{"url": "https://stockinvestingsingapore.blogspot.com/", "date": "2021-05-11T20:07:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243989856.11/warc/CC-MAIN-20210511184216-20210511214216-00615.warc.gz", "language_score": 0.9574249982833862, "token_count": 223, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__169392011", "lang": "en", "text": "Let’s take a look back at the 2008 Global Financial Crisis bear market for a good example.\nWhen the bull market started in March 2009, the S&P 500 rallied +63% from the bottom through the end of the year – very close to the +68% rally following the Covid-19 bear. In 2010, which was the second year of that bull market, the S&P 500 endured an intra-year correction of -16%.\nThe correction was scary at the time, but also healthy – the market finished up +13% in 2010. We have seen this very regularly throughout history, where the second year of a bull market is choppy but also finishes positive. I could see a similar outcome in 2021.\nSo, how should investors prepare for market volatility or a double-digit correction? Using history as a guide, it is time to mentally prepare for a correction now, so when it arrives, you expect it and can avoid making any knee-jerk, reactive decisions.\nAdapted from Zacks \"Mitch on The Markets\" on 8 May 2021", "domain": "finance"}
{"url": "https://relatones.com/who-we-serve/financial-services/", "date": "2024-04-13T14:59:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816820.63/warc/CC-MAIN-20240413144933-20240413174933-00480.warc.gz", "language_score": 0.9392939805984497, "token_count": 150, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__110126628", "lang": "en", "text": "Relatones is a leading provider of exceptional learning and development consulting, training solutions, IT consulting, and marketing consulting services to the financial services industry. Our custom-tailored training programs help financial organizations improve employee skills, enhance customer service, and drive revenue growth.\nOur IT consulting and digital transformation services enable financial services providers to optimize their technology infrastructure, enhance cybersecurity, and implement innovative solutions that improve operational efficiency and better serve their clients.\nAdditionally, our marketing consulting services help financial organizations develop effective marketing strategies, optimize their digital presence, and reach their target audience with precision. We understand the unique challenges faced by the financial services industry and we are committed to helping our clients overcome those challenges to achieve their business objectives and stay ahead of the competition.", "domain": "finance"}
{"url": "http://www.visitingvienna.com/visitorinfo/creditcards/", "date": "2019-02-22T18:35:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247522457.72/warc/CC-MAIN-20190222180107-20190222202107-00262.warc.gz", "language_score": 0.9605029225349426, "token_count": 243, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__69892982", "lang": "en", "text": "So do they take credit cards in Vienna?\nWell, the city and Austria in general does not have a strong tradition of credit card use. What that means is you can NEVER assume that you can pay for your meal, room, tickets or shopping with a credit card.\nAlways check for the appropriate symbol on the door or till, first.\nDon’t get me wrong – many places in Vienna (especially hotels and other places that regularly serve tourists) do take cards. But many don’t, so check first if in doubt. Even those places you’d think were mad not to take credit cards might refuse your plastic.\nThe two most popular cards here are probably VISA and Mastercard.\nThe relatively low uptake of credit cards in the population has its roots in traditional values. Austria is not a credit-driven economy; home ownership is not widespread in Vienna, for example.\nThe credit card companies also charge an annual fee which puts off some people. And debit cards (the Bankomat card where each payment you make comes straight off your Austrian bank account) are popular alternatives.\n(Photo credit: © kkolosov / Fotolia)", "domain": "finance"}
{"url": "http://www.riscosopen.co.uk/content/documents/bounties/matching", "date": "2013-05-22T22:41:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702452567/warc/CC-MAIN-20130516110732-00054-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9495474100112915, "token_count": 591, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__60584326", "lang": "en", "text": "Bounty donation matching scheme\nAt ROOL, we want to see the bounty scheme succeed, so ordinary users can get to see the sorts of things they want to see happen. But we understand that in the early days of the scheme, when we’re testing the water, donors may be cautious about donating, because there’s no track record of how much money has to be raised before a developer is likely to claim the bounty.\nROOL has raised money over the last few years from general donations and from sales of the C/C++ toolchain, and we think it’s appropriate to use some of this to kick start the bounty scheme. We could have chosen to do this by simply allocating money equally to the available bounties, but this pre-supposes that each bounty is equally valuable to end users, and also risks paying above the “going rate” for some tasks.\nSo what is ROOL doing?\nROOL is hereby pledging to match, pound for pound, the first £1000 donated, spread across all bounties. This means that every £1 you donate is worth £2 to a developer who implements your chosen bounty. It also means that it’s in your interest to donate early, while this money is still available! We will keep the remaining amount available visible on the bounty page so you have some idea how much longer you can take advantage of this scheme.\nThere is one exception: we won’t be matching donations to the RISC OS Open administration bounty, since this would just be paying money back into the same fund from which we’re making the matched donations, so this would be pointless!\nWhen will this start?\nThis offer starts with immediate effect. We will actually be starting by matching the donations already made into the bounty scheme. The donation matching process will be performed manually by ROOL staff so don’t be surprised if it takes a few days before the matching donation from ROOL appears in the relevant pot!\nWhat happens if a bounty is closed?\nThe money that ROOL matched with any donations to that bounty will be redistributed to other bounties, the same as with the original donations.\nWhat if I want to donate more money than is left in the ROOL pledge fund?\nIf you want to donate (say) £100 but the ROOL pledge fund only has £50 left in it, we will match the first £50 of your donation.\nWhat happens when the pledge fund runs out?\nWe will re-evaluate whether to extend the scheme at a later date, depending on how successful it has been and how much money we have left in the bank account at that point. It will be encouraging if we get to the point where the pledge fund runs out, because that will mean that the bounty scheme has also attracted £1000 in donations from other people, of course!", "domain": "finance"}
{"url": "https://media-and-games-invest.com/management.html", "date": "2019-06-26T00:05:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627999964.8/warc/CC-MAIN-20190625233231-20190626015231-00554.warc.gz", "language_score": 0.967918336391449, "token_count": 177, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__71293513", "lang": "en", "text": "Remco Westermann, MSc Erasmus University\nExecutive Director & Chairman of the Board\nExperienced general manager, enterpreneur and investor, with over 25 years of experience in various roles in media- and mobile industries, including his role as a consultant with Adstrat and managing director and board positions at Sonera, Sonera Zed, Bob Mobile, Cliq Digital, Samarion and Gamigo AG. Dedicated to growing companies via buy & build as well as organically.\nOver 25 years of experience in international corporate finance advisory in various fields such as M&A, equity/debt financing and venture capital. During that time for six years he was the CEO of a publicly listed Private Equity Firm. For five years he managed as CEO an investment management firm. Before that he was partner in the largest mid-cap principal investment firm in Switzerland.", "domain": "finance"}
{"url": "https://elenasusanazarate.wordpress.com/2013/03/11/us-labour-market-shows-strong-rise/", "date": "2018-07-16T12:21:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589270.3/warc/CC-MAIN-20180716115452-20180716135452-00109.warc.gz", "language_score": 0.9645693302154541, "token_count": 605, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__264596815", "lang": "en", "text": "BBC NEWS. Page last updated at 16:52 GMT+01:00, viernes, 8 marzo 2013\nThe US unemployment rate fell to 7.7% in February, the lowest since December 2008\nHiring in the US has gathered momentum after government figures showed that the economy created 236,000 jobs in February.\nThe figure was much higher than analysts had expected, and more than the 157,000 jobs created in January.\nThe unemployment rate fell to 7.7% last month, the lowest since December 2008, from 7.9% in January, figures showed.\nBut the White House’s chief economist said more work was needed as Congress remained divided over economic policy.\nEmployment growth has risen by an average of 195,000 a month in the last three months, figures show. Analysts had forecast a rise of 165,000 jobs for February.\nFollowing the release of the jobs figures, stocks on Wall Street opened higher with the Dow Jones index up 62.23 points at 14,391.72. The dollar also gained against the euro and the yen.\nProfessional and business services added 73,000 jobs last month, while the construction industry hired 48,000 employees. The health care industry added 32,000 jobs and the retail sector added 24,000 new staff.\nOnly government lost 10,000 jobs in February, mostly in local education. The public education sector has now lost 340,700 jobs since its 2009 peak.\nBut the number of long-term unemployed – out of a job for at least 27 weeks – was unchanged, accounting for about 40% of the jobless total.\n“Progress in the labour market is unmistakable. The economy is producing more than twice as many jobs as it did at the low point in the second quarter of last year,” said Joseph Trevisani, chief market strategist at Worldwidemarkets.\nBut he warned that optimism was “relative”, because of slow economic growth. The economy in the October-December quarter made modest gains, growing at an annualised rate of just 0.1%.\nAnalysts are now debating whether the labour market is strong enough to weather a series of public spending cuts, known as the sequester, and whether the Federal Reserve will continue with its loose monetary policy.\nThe latest jobs report takes into account the period before the sequester officially began on 1 March.\nLast week, President Barack Obama signed into effect spending cuts worth $85bn (£56bn), although he warned that the cuts – if fully realised – would slow US economic growth by 0.5% and cost 750,000 jobs.\nThe sequester was drawn up in mid-2011 as Congress and the White House feuded over raising the debt ceiling and how to slash the huge US deficit.\nRepublicans wanted deep cuts in spending, while Democrats insisted on raising taxes as part of any plan to tackle the country’s $16.6 trillion debt.", "domain": "finance"}
{"url": "https://cvp.uni.edu/symposium/registration", "date": "2021-04-14T19:39:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038078021.18/warc/CC-MAIN-20210414185709-20210414215709-00428.warc.gz", "language_score": 0.9635000228881836, "token_count": 118, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__173758916", "lang": "en", "text": "Refunds will be given if written notice is postmarked by January 15, 2019. There will be a $25 processing fee for all refunds. Please note that the submission of the registration form is a commitment to pay the registration fee, regardless of weather conditions. No-shows will be invoiced and subject to collection for the full amount if written notice is not postmarked by January 15, 2019. Refunds will not be given after January 15, 2019. Request for a change in registrant can be accommodated only if the new responsible party's payment has been received.", "domain": "finance"}
{"url": "https://studenthelpr.com/best-dutch-bank-for-students", "date": "2024-04-20T01:36:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817463.60/warc/CC-MAIN-20240419234422-20240420024422-00629.warc.gz", "language_score": 0.9338550567626953, "token_count": 1843, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__77702981", "lang": "en", "text": "In 2012, ICT innovator Ali Niknam found bunq upon the principles of ethical banking with their user’s experiences instead of profit leading the company’s direction. Niknam’s pursuit was spurred by the global banking crisis of 2008, and he launched his platform as the “WhatsApp of banking” by removing the need for IBANs. Then, when bunq got an official banking permit from the Dutch Central Bank in 2015, bunq has been able to supply its users with their own IBANs, making even more of their banking services available to the general public. Overtime, bunq has become available all throughout the EEA, with complete service being offered in Belgium, Austria, Germany, France, Spain, Ireland, and Italy as well.\nThe bank of The Free\nSo what does bunq being “the bank of The Free” entail, exactly? There is indeed an account option free from monthly payments, but this tagline primarily comes back to Niknam’s ethical banking philosophy, which is expressed in the unique fact that bunq is completely transparent about its investments. As a bunq user, you can choose how bunq uses your money, for example for ethical or green project investments, safe and reliable government bonds, or simply stored at the central bank.\nThis way you can rest assured that in no way bunq will ever invest your money in any type of shady business, and thus truly remain free of corruption. With the 2008 crisis waking up everyone’s awareness of the fragility of regular banking, it’s no wonder that so many (international) students, expats, and young professionals choose the ethical and innovative banking services of bunq.\nUser above all\nAs we mentioned earlier, bunq’s modern banking service is all about the user experience (UX). This expresses itself in the fact that you can setup your bunq account via your smartphone in just a few button tabs. All you need to do is get the app, enter a few personal details (which you can easily verify by taking photos of your official documents), and wait for the manual verification on bunq’s side. Then you’re all set to start banking directly on your phone, so no need to ever go to a bunq facility or even talk to an employee.\nIn this, you don’t even need a BSN (burgerservicenummer) to set up your account, which is perfect if you aren’t in the Netherlands yet or just moved here. Consequently, with bunq, you don’t have to worry about being able to pay your rent, shop for groceries and clothes, or get that much-needed furniture to make your accommodation more comfortable. Although it usually just takes a few days before you can get your BSN, bunq gives you 90 days to complete your account, which is also convenient if you’re only here for a short time and weren’t planning on getting your BSN in the first place.\nSo, the app basically has everything you need; you can scan QR codes with it to make payments on other devices (similar to the scanners that other banks supply you with), and you can generate your own QR codes for anyone who has bunq to pay you directly by scanning it, which is most convenient if you don’t have (or want) each other’s contact details.\nHowever, if your phone is empty, lost or destroyed, or if you find yourself in front of a computer, you can still do your banking on other devices via the bunq web app or via the third-party desktop app (scroll down a little to find the download link).\nOf course, you can communicate with bunq employees if you wish to do so; the employee chat is available every day from 08:00 – 23:00, and usually for 24 hours a day when they’re rolling out a new update. In addition, bunq engages with its community via its bunq Together forum and listens carefully to what users want from their banking experience (don’t be surprised if Niknam replies to your posts or comments himself). Moreover, bunq organizes real-life events in Amsterdam to demonstrate new updates and layout their most recent ideas, which have gained waiting-list-level popularity and even attract users from countries such as France, Austria, and Germany.\nSo, what benefits specifically set bunq apart? How does bunq save you time and help you manage your finances? The complete list is endless, but here we’ll focus on why bunq is ideal for students and expats.\n- Bunq is unique in giving you monthly interest on both payment and savings account(s).\n- Slice Group(s) for expenses that you make with a group: for example, the groceries, rent or utilities for your student house, or the holiday expenses of you and your family or friends.\n- Even without having a Slice Group you can instantly split any bill that you paid.\n- 3 debit cards, a Maestro, a MasterCard, and even a sustainable metal card: The cool thing is that the MasterCard works like a regular debit card that you can make credit card payments with as well. This completely new feature in the Netherlands ensures that you can only spend the money that you actually have.\n- Thievery-proof MasterCard: there is no CVC code written on your MasterCard; your CVC is safely tucked in your app, and you can even have it be automatically changed every 5 minutes.\n- Up to 25 sub-accounts: segment your savings and spending finances effectively. -** Have 2 pin codes connected to 1 card:** for example, on 1 bank card you can link one code to your checking account and one to your savings, or one to a groceries sub-account and one to your general account.\n- Change your pin code(s) and deactivate bank cards whenever you like.\n- Control security settings: limit (sub-)account spending, give permission per country, change login code and authentication methods, and much more.\n- Instant payment push notifications: this way you’re always on top of your expenses, which gives you more insight and the option to immediately interfere if payment isn’t according to plan. Of course, you can turn the type of push-messages that you receive on and off at will.\n- Direct debit approval: get notifications so you can approve or reject direct debits.\n- Automatic saving: round off payments and have the rounded up amount sent to a savings account. For example, if you pay €2,40 for a beer, then you can have it rounded up to €3,00 and automatically put the €0,60 in a savings (sub-)account.\n- Public API: constant customizations and new integrations developed by tech-savvy people\nbunq offers 5 types of accounts for its users, each specified for a different type of user, but there are 3 particularly convenient for students and expats.\nEasy Travel: The most convenient and secure card to travel the world with.\n- All the benefits of a credit card, without the burden of debt or any monthly fees.\n- Only real exchange rates, which makes you save up to 3% for each payment that you make abroad.\n- Slice Groups: automatically track who paid what.\n- Travel assistant: exchange rates, safety tips, travel tricks, etc.\n- Integrated with Google and Apple Pay.\nEasy Money: Make life easy with a bank account that makes your finances insightful and fun, so you can just enjoy life and not worry about money.\n- All Travel Card benefits +\n- 30 Days Free Trial\n- 3 cards of your choosing with 10 monthly free cash withdrawals\n- Up to 25 sub-accounts, including Dual PIN technology\n- Automatic saving, and direct bill splitting and payment requests\n- TransferWise integration: send foreign currencies only at the real exchange rates\n- Complete Siri voice control\nEasy Green: A greener world because of you; zero CO2, zero effort.\n- All Easy Money features +\n- For every €100 you spend, bunq plants a tree for you: become CO2 neutral in only 2 years’ time without any extra effort needed from your side.\n- Sustainable Metal card: lasts 50% longer and made of 50% less plastic.\nIn addition, bunq offers you to get a bunq +1 for anyone that you want to share a (sub)-account with, and Business Easy Travel, Easy Money, and Business Easy Green accounts that are specifically designed to save entrepreneurs time.\nIf you want to be one of the thousands of students that became part of the bank of The Free follow this link and find out more about bunq.", "domain": "finance"}
{"url": "http://makemoneyfromsaving.blogspot.com/2009/08/saving-money.html", "date": "2018-07-18T14:28:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590199.42/warc/CC-MAIN-20180718135047-20180718155047-00606.warc.gz", "language_score": 0.9789328575134277, "token_count": 167, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__102171248", "lang": "en", "text": "Monday, August 3, 2009\nNow that you've cut your expenses and increased your income, you've come to the boring part. Now, it's time to save money. You'll need to save for a few years. Yep, a few years. Sounds hard? It is. Sounds boring?..........It is. But, it's time that you do it, and once it's over, it's over forever. Once it's over, you'll feel better about yourself, be more financially secure, and be more ready to tackle the world of getting rich than ever before. The hardest process of all in getting rich is the process of saving money for a few years. If you can get past this part, then you definitely can be rich. The hardest part is over only a few years away. Get started.", "domain": "finance"}
{"url": "http://hub.syncweekly.com/index.php/2012/03/28/", "date": "2013-05-25T19:13:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368706121989/warc/CC-MAIN-20130516120841-00036-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9428657293319702, "token_count": 149, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__83311328", "lang": "en", "text": "The potential Mega Millions lottery payout has reached a new record high at $500 million. The next drawing will be held on Friday.\nAccording to a story in the Arkansas Democrat-Gazette, “Julie Baldridge, a spokesman for the Arkansas Scholarship Lottery, said the figure represents the highest jackpot ever in any lottery. Mega Millions jackpots start at $12 million and grow when no one matches all six numbers. The current jackpot started with a draw on Jan. 25 and had swelled to $376 million in Tuesday’s drawing.”\nWe’re wondering this week if you’ll go out of your way to play the lottery based on this record-setting jackpot total?", "domain": "finance"}
{"url": "http://bagnol.org/oldbagnol/Saint-Catherine/whats_new.html", "date": "2023-03-29T17:14:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949009.11/warc/CC-MAIN-20230329151629-20230329181629-00365.warc.gz", "language_score": 0.9556927680969238, "token_count": 258, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__121904184", "lang": "en", "text": "Saturday, September 19 - A Day of Prayer with the Bishop!\nThis Saturday Bishop Richard Garcia will be visiting Saint Catherine's and hosting a talk and roundtable discussion. Our own Youth Ministry will be hosting a workshop exercise which will benefit all who attend -- you don't want to miss it!\nBishop Richard Garcia\nSaint Catherine gym, 3460 Tennessee Street, Vallejo.\nSaturday, September 19, at 9:00 am.\nWe are providing lunch for a $5 donation\nFor more information, contact the church at (707) 553-1355.\nOur Faith, Our Future campaign\nOur present church building was dedicated to the service of God in 1991. When construction was completed, the parish was left with a large debt of $2.9 million. We would like to raise a minimum of $1 million that will enable us to pay the principal of our debt and plan for the future.\nSaint Catherine of Siena parish, with almost 1,600 households, is still growing, and our facilities are not adequate to provide for all our present needs, let alone for those in years to come.\nEvery member of our parish is integral to the success of this critical fund raising endeavor.", "domain": "finance"}
{"url": "https://www.franchisefeed.net/2020/07/franchise-disclosure-document-fdd-items-5-6-and-7-explained/", "date": "2022-08-08T12:41:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570827.41/warc/CC-MAIN-20220808122331-20220808152331-00299.warc.gz", "language_score": 0.9219211339950562, "token_count": 2044, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__92697586", "lang": "en", "text": "Items 5, 6, and 7 of a Franchise Disclosure Document (“FDD”) are all about money – how much the franchisor charges for the goods and services it provides franchisees before the franchised business opens, how much the franchisee will pay to the franchisor throughout the business relationship, and how much the franchisee will need to invest to open the business. After reading Items 5, 6, 7, the franchisee must understand how much things cost, how much they’ll be paying you, and when they will be making payments.\nIt is important for you to give accurate estimates to avoid litigation risks and help prospective franchisees evaluate their ability to successfully finance and open the business.\nThe three required disclosures of Item 5 are initial fees, refundability, and uniformity. An “initial fee” is payment that a franchisee makes for goods and services received from the franchisor or the franchisor’s affiliates from the time of signing the franchise agreement to the opening of the business. While the initial franchise fee is the most common example of an Item 5 fee, franchisors may offer services for additional fees like selecting a site, providing architecture plans, or providing opening inventory and those would need to be disclosed as well.\nIf you determine that any of the above fees are refundable, you will need to describe the conditions that make it so. Some of these conditions might be failure to find a location for the business or failure to receive required licenses.\nFranchisors may negotiate different initial franchise fees among prospective franchisees, especially if the franchise system is emerging. Any variation from the initial fee disclosed (discounts, payment plans, etc.) in the previous fiscal year needs to be described in Item 5. This disclosure does not obligate the you to offer the same discount to future franchisees, but it puts prospective franchisees on notice that you have been willing in the past.\nWhile Item 5 focuses on the fees a franchisee pays to the franchisor before it opens the business, Item 6 describes the fees that may be paid to the franchisor or its affiliates throughout the business relationship. If the franchisor collects a fee on behalf of another party, that will also be included in Item 6. Item 6 requires these fees to be in a specific table, a model of which is found below.\n|Name of Fee||Amount||Due Date||Remarks|\n|Royalty||5% of monthly Gross Sales||You must submit your sales reports to us by the 5th of each month. The royalties will be electronically drafted from your bank account in one installment each month on the 7th.||Monthly Gross Sales is defined in Note 1.|\n|Brand Fund Fee||2% of monthly Gross Sales||Payment made by debit or check to us or by electronic funds transfer (“EFT”) on the 7th of each month, as we designate.||Can be raised up to 3% of monthly Gross Sales|\n|Minimum Local Advertising Spend||$500/month||As incurred/monthly||You are required to spend at least $500 per month on local advertising, in the form and manner we require, and to the vendors we approve.|\n|Renewal Fee||$10,000||Upon signing of new franchise agreement.||Payable in immediately available funds. Renewal is for a single 10-year term.|\n|When we approve franchise transfer.||Fee must be deposited with us prior to our undertaking any review, drafting of documents|\nMost franchise systems require franchisees to pay a royalty. This fee is typically a percentage of gross sales and may be subject to a weekly or monthly minimum payment. Another very common fee is a brand advertising or marketing fund used for marketing services and tools that benefit the entire franchise system. Item 6 also lists fees that must be paid to the franchisor upon the occurrence of certain events like renewal of the franchise agreement, transfer of the franchise agreement, or additional training. Finally, some fees function as penalties for breaches of the franchise agreement, such as using unapproved advertising, failing to obtain insurance, or failing to attend required trainings.\nThe menu of fees that you select will be driven by the needs of your franchise system and the support that you offer franchisees.\nItem 7 is designed to help franchisees understand how much money they will need to spend to get the business open and operating. Item 7 includes payments franchisees will make to third parties.\nIn a table titled “Your Initial Investment”, the franchisor describes the types of expenditures a franchisee will make. The types of pre-opening expenses include the initial fees from Item 5, training, cost of leasing or purchasing real property, equipment and fixtures, construction and improvements, signage, computer equipment, and opening inventory. You can add other categories based upon the unique elements of your system. The final category represents the amount of funds necessary to operate the business for three months.\nFor each category of initial investment, you will identify the high and low estimates, method of payment, payment due date, and to whom the payment will be made.\nThe footnotes to the table are just as important as the estimates. These notes give the rationale for the estimates. These are a practical guide to the requirements and best practices of opening and operating a new franchised business. For example, the franchisor will explain that its estimate assumes a certain type of leased space and square footage, that certain equipment will be leased rather than purchased, and the cost of required licenses.\nAn example of Item 7 is below.\nYOUR ESTIMATED INITIAL INVESTMENT1\n|TYPE OF EXPENDITURE||AMOUNT LOW||AMOUNT HIGH||METHOD OF PAYMENT||WHEN DUE||TO WHOM PAYMENT IS MADE|\n|Initial Franchise Fee||$50,000||$50,000||One lump sum payable upon signing of the Franchise Agreement.||Franchise fee is due on signing Franchise Agreement.||Franchisor|\n|Leasehold – first 3 months||$10,000||$30,000||Monthly Rent or landlord terms.||Typically at the first of each month. May vary depending on landlord.||Landlord|\n|Leasehold Improvements||$50,000||$100,000||Lump sum or (possibly) amortized by landlord.||Varies depending on your contract with supplier.||Supplier or Landlord|\n|Signage||$1,000||$5,000||Lump sum.||Varies depending on contract with vendor.||Approved Vendor|\n|Furniture, fixtures, and equipment||$10,000||$15,000||Progressive payments or lump sum incurred||Varies depending on contract with vendor.||Approved Vendor|\n|Initial Inventory||$10,000||$15,000||Progressive payments or lump sums incurred||At time of purchase or varies depending on contract with vendor or supplier.||Various Vendors and Suppliers|\n|Computer Systems and Equipment||$5,000||$7,000||Lump sum.||At time of purchase or varies depending on contract with vendor or supplier.||Various Vendors and Suppliers|\n|Training living expenses||$500||$1,500||As incurred.||Before opening.||Air travel, hotels, meals, incidentals|\n|Insurance||$500||$1,000||Lump sum or terms of provider.||Varies depending on contract with provider.||Approved Provider|\n|Accounting and Legal Services||$1,000||$1,500||Paid monthly or as invoiced by vendor in lump sum.||Varies depending on vendor.||Various Suppliers|\n|Grand Opening Marketing and Events||$10,000||$10,000||Lump sum or as incurred.||As incurred.||Various suppliers, our approved grand opening marketing provider|\n|Minimum Local Advertising Spend||$500||$500||Lump sum or as incurred.||As incurred.||Various suppliers or us or our affiliate|\n|Additional Funds—3 Months||$7,500||$10,000||As incurred.||(Money to work with still after 90 days – as incurred.)||Vendors, employees, utilities, landlord, suppliers, insurers, tradesmen, city, county|\nNote 1: The estimates are based on an initial period consisting of pre-opening and the first 3 months of operation. All fees and payments are non-refundable unless otherwise noted or allowed by third-party vendor. During our last fiscal year all fees in this Item that were paid to us were applied uniformly. Preparing compliant and accurate Items 5, 6, and 7 takes a combination of your business experience and a lawyer’s understanding of what fees need to be disclosed in each Item. The process of developing Items 5, 6, and 7 will help you to make decisions about how the franchise system will operate and help you to articulate that clearly to franchisees. Items 5, 6, and 7 are highly scrutinized by franchisees, both before and after they sign the franchise agreement, because they describe the critical economic components of the franchisor/franchisee relationship. Failure to disclose these Items fully or accurately is a significant, but avoidable, litigation risk.\nThe attorneys at Manning, Fulton & Skinner have extensive experience drafting Items 5, 6, and 7. Reach out if you have questions about what disclosures you need to make and how you need to make them.", "domain": "finance"}
{"url": "https://www.chigisworld.com/2019/02/12/mindset-money-10-money-myth-to-change/", "date": "2023-05-31T20:12:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647409.17/warc/CC-MAIN-20230531182033-20230531212033-00181.warc.gz", "language_score": 0.9591728448867798, "token_count": 2366, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__268338517", "lang": "en", "text": "Mindset & Money – 10 Money Myths to Change\nHow’s your week going? Today I’m talking about Mindset & Money – 10 Money Myths to Change because I’m passionate about helping women find their purpose, use it to make impact and profit so they can attain financial freedom and flexibility to function at their highest capacity and maintain a healthy, happy and balanced life.\nWhat’s your Money Mindset & how well do you Manifest Money? No matter how much you may cringe when people talk about money, you have to understand Money, How to Make it, save it, use it & Invest it because it determines what type of life you live, how much quality time you get to spend with your loved ones, how well your needs are met etc.\nYes, Money doesn’t buy you happiness but it buys you the ability to make significant changes in your life/community, it buys you the freedom, flexibility, power, opportunity & everything else in between your need to maintain a healthy, happy, balanced & successful life. If you disagree with me, leave a comment below saying why.\nHow well do you understand money? I’m not a financial expert but one thing I can say is most people don’t understand & respect the principles of money which is why they spend their whole life struggling to get it. Also, I’ve learned that most people don’t have a healthy relationship with money. Our thoughts, feelings & attitude toward money has been based on lies, twisted tales & stereotypes, so my goal in the PART 1 of this Money Series is to highlight some of the myths about money that needs to be discredited & share some tips on how to change that narrative so you can be set free mentally & financially.\nWhat I’ve learned in the past few years about money has been mind blowing & life changing. I’m a young African American immigrant woman whose parents relocated to the United States for a better life. I come from a hardworking middle-class family where my Dad had a great 9-5 Job in the Oil & Gas Industry & worked hard at it for more than 30 years to take care of not only his immediate/nuclear family, but also his extended family. So, I grew up with a certain mindset/relationship with money which was heavily shaped by what my parents & people around me said/felt about it and did with money.\nBelow are the common beliefs, narratives, feelings & relationships with money that most people have so we can mystify them.\n- Money is limited and scarce – The idea that there isn’t enough money is part of a limiting, negative and poverty mindset. There may be a certain amount of dollar bills in circulation in the economy right now but there is an unlimited amount of ways for you to make that money and there’s enough to go around if you understand money and execute a successful plan to get it by providing value to people. You can’t live in constant anxiety over money not being enough if not that will become your reality. You need to operate from a place of abundance, positivity and growth.\n- Money is the root of all evil – A lot of people are scared of making money because they are scared that it will make bad things happen to them and they will become evil. Well money is just money and has no human attributes. The love for money over human life and values is a problem so money assumes the attributes of whoever controls it.\n- Money corrupts and changes good people – Money doesn’t change you and having money doesn’t make you bad or good, instead it highlights your innate personality, character and enhances the qualities you already have within you. You may develop this mindset because of your encounter with people who appear to value money over any human principle or morals which is wrong but the money is not to be blamed for their decision. Money is just money, it’s neither good nor bad, it doesn’t have human qualities, money does what it’s owner assigns it to do. Money doesn’t control people, people control money and choose what to do with it and what value it can provide.\n- Rich and wealthy people are greedy and selfish – You may have had a bad experience with a person who seemed rich that made you jump to the conclusion that having money makes you greedy and selfish but there is nothing wrong with having a lot of money, what matters is how you made it, what you do with it, how you treat people, how you manage it and how you use your resources to make a positive impact in people’s lives. The money you have is usually a reflection of the value you have provided for people so there is nothing greedy or selfish about that. In fact, it shows how selfless you are, how much you care about people & how many lives you’ve impacted/changed. Yes, some people provide great value freely sometimes but there is nothing wrong with being compensated for the work/value you create and it teaches other people to invest in themselves, learn to give and create instead of just consuming and taking all the time.\n- Money isn’t important or necessary so having a desire to make money is bad – If this is your belief then you’ll never make enough money because money goes only where its valued, respected & used responsibly. There is nothing wrong with wanting to make money, everyone wants that no matter how and what they say because money is essential to living your life. The goal and ability to meet your basic needs, spend quality time with your loved ones, do the things you love, engage in your hobbies, travel the world, fulfill your dreams, help your family & community lies in the brutal fact that you need money. It gives you more free time, more flexibility, more autonomy, more power, more luxury, more options in life, more resources to make things happen, achieve your highest potential and help others do the same.\n- Money should always be spent or it should only be saved – You can’t be at both extremes because if you believe that money should just be spent without a balance in your belief that you should also save, you’ll have financial problems. Money needs to flow freely but it needs to flow in the right direction and it needs to be used and managed responsibly and with purpose. You need to save some money for emergency situations, invest some money so it can make you even more money but you also need to not learn to spend in a smart way on yourself, on others and on doing great things for your community. You can’t squander your money or be too frugal, what you need is a balance but always make sure that you cash flow into your accounts is more than your expense going out.\n- I’m not good with money – That’s simple not true. Nobody is born understanding money and being great at managing it. It is something that’s learned so if you don’t have a great relationship with money and have a hard time right now managing it properly, you can always learn and get better. You just have to change your belief and attitude about it, take responsibility for your finances and learn to be better.\n- The rich get richer & the poor get poorer – This is a mindset that paralyzes you. If you think this way it’s like you’ve given up & have concluded that your situation can’t change which limits you and holds you stagnant. For you to grow and succeed in life, you need to adopt an abundant, positive and growth mindset that propels you to continue to learn, grow, move forward, keep trying, have hope and accomplish your goals.\n- You have to work very hard to be rich or you need to have the right network/family to be rich – Again this mindset is untrue and can limit you. While there is nothing wrong with working hard and having a certain type of network may be helpful in being successful, it is only one way. If you understand the principles of Money and how to make it, manage it & make it make more money for you know that you can make money by working smart, leveraging your resources to create real and long lasting value for people at a great price and as you create such value, you will continue to reach more people and start to build a community. There is no one formula or reason to make money and be rich, everyone’s experience and path is different so find what works for you.\n- Rich people are unhappy, miserable and depressed because money means more problems – As I’ve said before, money doesn’t buy you happiness but money doesn’t make you depressed or unhappy either. Also, money doesn’t cause more problems, it only highlights and enhances things. It is all about perspective which is based on choice. People are unhappy, miserable and can be depressed regardless of how much money they have or how much impact they make in peoples lives but money gives you the resources to seek further help when needed, it helps you better care for yourself and gets you more support. So just the way people can be poor and depressed, you can be rich and completely happy. It doesn’t have to be one or the other.\nWhat do you think of the above myths about money I just shared? Are there others you know of and want to share in the comment section?\nRemember that for you to truly live a life of abundance, tap into your highest purpose and achieve your goals of being healthy, happy, balanced and successful, you have to identify and overcome your limiting beliefs about yourself, your life, people and also money. If you don’t change those negative narratives and limiting beliefs about money that don’t serve you, you will continue to have an unhealthy relationship with money and internally & financially struggle.\nSo, the first step to financial success & freedom is to identify & change/transform your mindset/feelings/relationship about money because your beliefs determine your feelings which determines your attitude & then your reality/experiences. Your beliefs are usually working on you subconsciously & as you accept them, they become your reality unless you are aware that they exist & you do the work to uncover & then change them.\nSo, get a book and pen because it’s time to get to work & start uncovering what type of limiting beliefs, habits & feelings are affecting your finances. Take time and reflect and dig deeper into your subconscious and ask yourself the following questions.\nWhat are your feelings about money?\nWhat did you hear and see about money growing up?\nWhat experiences did you have with people about money?\nWhat does money mean to you?\nWrite out your observations, narratives and perspective about money and then evaluate them rationally. Next, change/rephrase them into something more positive and uplifting, repeat them daily, visualize these new beliefs and the new person you choose to become with this new mindset and journal about your feelings and great experiences with this new mindset/perspective.\nAlso here are some great books on mindset and money makeover which you can read and use as a resource.\nI hope this is helpful and has started you on a new journey towards self discovery and growth. If you have any questions, share below in the comment box or email me at firstname.lastname@example.org\nHave a great day!", "domain": "finance"}
{"url": "https://www.vipromarkets.com/about-us/about-vipro-markets/", "date": "2018-04-22T00:54:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125945484.57/warc/CC-MAIN-20180422002521-20180422022521-00164.warc.gz", "language_score": 0.9276663064956665, "token_count": 269, "dump": "CC-MAIN-2018-17", "global_id": "webtext-fineweb__CC-MAIN-2018-17__0__212818593", "lang": "en", "text": "Vipro Markets is a global EU regulated online broker, with a prime focus on Forex, Stock Indices, commodities, CFDs and precious metals. We serve both institutional and retail Clients from all over the world, always with a keen passion to offer services of the highest quality level and utmost transparency.\nVipro Markets is authorized and regulated by the Cyprus Securities and Exchange Commission (CySEC), with license number 278/15, and is a Member of the Investor Compensation Fund (ICF).\nOur mission is to become a leading global broker in the financial services industry, powered by technological innovation, exclusive products and flawless trading conditions in order to serve and exceed the expectations of our traders, investors and stakeholders.\nWe believe that our ability and persistence to meet the demands of the rapidly evolving financial market along with our strong EU regulation, present an enormous opportunity for us to become an industry game-changer.\nVipro Markets is a trader-centric company where every team member strives for our traders’ success. The guiding forces of our organisation are corporate transparency, advanced technology, clean and efficient trading environment and above all, strong regulation.\nWe aim to be the preferred destination for all serious traders across the globe by delivering the best trading conditions in a transparent and reliable trading environment, while providing exceptional customer experience.", "domain": "finance"}
{"url": "https://www.filamatic.com/about-us/careers/accounts-payable-receivable-clerk/", "date": "2023-03-20T21:53:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943562.70/warc/CC-MAIN-20230320211022-20230321001022-00355.warc.gz", "language_score": 0.8939931392669678, "token_count": 1424, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__221355322", "lang": "en", "text": "Careers >> Finance >> Accounts Payable (AP) / Accounts Receivable (AR) Clerk\nFilamatic, a division of National Instrument LLC is a 70-year-old leading manufacturer of packaging machinery for pharmaceutical, cosmetic, biotech, and chemical specialty industries located in Baltimore, Maryland. Our success is attributed to exceeding our customers’ expectations by providing products and services which offer a superior value proposition, striving to create a great working environment for our employees and driving continuous process improvement initiatives.\nThe culture at Filamatic is built on our shared core values – ethical, team-oriented, continuous improvement, trust, golden rule standard (we treat others as we want to be treated ourselves), excellence (we strive for excellence individually and expect the same from our colleagues and support our employees to improve their skills and talents), customer centric and a healthy and safe work environment. If you are interested in making an impact with a growing company and want to share ideas and help build a world class organization this is the company to join.\nWhy Work for Filamatic\n- Highly engaged workforce committed to solving customer problems.\n- A company that values their employees.\n- A company that promotes a culture of support, open communication, and teamwork.\n- Experienced handling and metering most liquids used in the diagnostic, biotech, and cosmetic industries.\n- A respected and well recognized name for manufacturing durable machinery that is made in the U.S.A.\n- Leadership that is committed to the development of the employees.\n- Leadership that is passionate about continuous improvement and growth.\n- Employees that possess expert knowledge in their fields.\n- A company that believes strongly in supporting the community through local charities.\n- Health, Dental, Vision, Life Insurance, and 401K\n- 10 paid holidays per year\n- Tuition reimbursement\n- Work life balance\n- Coaching and mentorship\n- Health Savings Account\n- Employee Assistance Program\n- Recognition program\n- Career development training\n- Employee referral bonus\nChecks and verifies cost accounting, account payable records, prepares invoices and vouchers, types, files, posts ledger and general journal entries, and/or balances accounts payable and accounts receivable records. Uses office-automated systems to input data, generate reports, conduct specialized research projects and respond to inquiries. May reconcile difficult accounts. May maintain a complete and systematic set of transactions in a specific phase of accounting. Reports to Director of Accounting & Finance and is located in Baltimore, Maryland.\n- Match accounts payable invoices to open inventory receiving.\n- Match credit memos to open returns to vendor.\n- Process miscellaneous payable invoices without purchase order.\n- Work with internal employees to resolve receiving issues and contact suppliers regarding billing discrepancies and credits.\n- Monitor vendor statements for errors, unprocessed invoices and payments.\n- Prepare payment report, process payable check run and submit for approval and signature. Mail payments to suppliers and file copy of check with the invoices paid.\n- Make general journal entries to support the general ledger control system.\n- Review invoices for complete and accurate reporting of sales tax.\n- Prepare and provide supporting documentation to assist in the preparation of monthly financial statements, annual audits, and tax filings.\n- Download credit card transactions, verify supporting documentation, coding, and required approvals.\n- Process wire payments to suppliers for advance payments and record in accounting system.\n- Track and reconcile advance payments once items are received. Enter invoice to clear advance and apply to advance payment already in the accounting system.\n- Smaller function of invoice entering and check writing within QuickBooks for other entities owned by company.\n- Documenting new suppliers and getting W-9 forms to meet compliance. Creating and mailing 1099’s annually.\n- Reconciling general ledger accounts for received goods not invoiced, advance payments and accrual accounts monthly.\n- Prepare weekly cash activity report showing deposits and deductions from cash account.\n- Generate Invoices and billing of customer sales orders.\n- Enter the invoices into online portals for specific customers.\n- Reconcile shipping documents to the original customer order, review discrepancies and initiate corrective actions if necessary.\n- Process credit card payments from customers.\n- Process Remote Check Deposits daily.\n- Retrieve daily banking information from bank website.\n- Enter and post customer receipts and resolve discrepancies of under or over payments.\n- Prepare weekly reporting of past due customer balances and actions taken, which is discussed with management.\n- Drafts correspondence for standard past-due accounts and collections, identifies delinquent accounts by reviewing files, and contacts delinquent accountholders to request payment.\n- Prepare customer statements and deliver monthly.\n- Block customers for nonpayment and monitor blocked customer report.\n- Initiate and monitor unclaimed property for reporting to various states and refunding to customers.\n- Reconciling general ledger accounts for shipped but not invoiced, customer deposits and accounts receivable monthly.\n- Other duties as assigned.\nEducation and Experience\n- An Associate’s Degree or equivalent work experience with a strong emphasis on personal integrity\n- Minimum of two years’ experience in an automated accounts payable, accounts receivable and general ledger environment.\n- Note: This position has access to cash and other financial assets; therefore, initial and or random background checks will be conducted on all applicants and incumbents.\nRequired Knowledge, Skills, and Abilities\n- Effective communication skills.\n- Knowledge of Microsoft Word, Excel, and Outlook.\n- Ability to learn computer systems quickly.\n- Ability to anticipate work needs and interact professionally with customers.\n- Excellent organizational skills and attention to detail.\n- Ability to work and solve problems independently.\n- Ability to work individually and with a team.\nNational Instrument dba Filamatic is an equal opportunity employer. National Instrument dba Filamatic does not discriminate in employment with regard to actual or perceived race, color, creed, religion, national origin, citizenship status, ancestry, age, sex or gender (including pregnancy, childbirth, related medical conditions and lactation), gender identity or expression (including transgender status), sexual orientation, marital status, military service or veteran status, disability, protected medical condition as defined by applicable state or local law, genetic information or any other characteristic protected by applicable federal, state or local laws and ordinances.\n4119 Fordleigh Road\nBaltimore, MD 21215-2292\nFor more information, please visit www.filamatic.com.\nPlease see our careers page for more FILAMATIC job opportunities.", "domain": "finance"}
{"url": "https://www.momentum-trading.co.uk/hnr", "date": "2022-05-20T07:22:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662531762.30/warc/CC-MAIN-20220520061824-20220520091824-00762.warc.gz", "language_score": 0.9619651436805725, "token_count": 312, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__34652298", "lang": "en", "text": "Highlands Natural Resources plc is a UK registered investment vehicle focused on acquiring oil and gas assets which are commercial at current oil prices. The Company, established in November 2014 by highly experienced oil and gas and financial professionals, listed on the London Stock Exchange in March 2015.\nThe aim is to build a platform from which to acquire opportunities in the oil and gas sector by leveraging the team’s experience and connections in the industry and international financial markets. It is envisaged that there will be a distinct production bias to the portfolio.\nThe Company was established to take advantage of volatile conditions in the current oil and gas market. The Board believes that, in particular, the current price weakness in oil and oil and gas company shares will present the Company with pursuable value opportunities, the likes of which have not been obtainable for some time.\nPrimarily utilising its extensive network, the Board aims to identify oil and gas assets which it believes fit its investment criteria. These targets will then be evaluated by the Advisory Board who will provide a further recommendation on suitability. Each member of the Advisory Board brings expertise in fields relevant to the Company’s aims, offering in particular, knowledge of acquisitions, divestments, petroleum engineering, geology, and oil drilling technologies.\nThe assets being sought will primarily be in production although some exploration projects will also be targeted. The aim is to establish a substantial oil and gas company with a portfolio blend that allows for the careful management of risk while providing significant upside to investors.", "domain": "finance"}
{"url": "https://bioenergy1.wordpress.com/2010/11/10/sceptre-group-limited-www-sceptreinternational-com-analysts-cut-eua-forecast-on-renewable-growth/", "date": "2018-06-23T17:27:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267865145.53/warc/CC-MAIN-20180623171526-20180623191526-00623.warc.gz", "language_score": 0.9220269918441772, "token_count": 532, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__81987290", "lang": "en", "text": "Point Carbon analysts have cut their EUA price forecast for 2016 to €30, down from €33 previously.\nThe 9-per cent downwards revision on Point Carbon’s June forecast for EUA prices is due to an expected increase in renewable generation in Europe, analysts at Point Carbon said on Tuesday.\nOver the summer, member states submitted their renewable action plans to meet the EU’s 2020 renewable targets, which led the analysts at the Oslo-based consultancy to revise their power emissions forecasts for the bloc.\nHigher generation from low carbon renewable sources will displace generation from carbon intensive power sources, cutting emissions and reducing demand for carbon allowances (EUAs), the analysts said in a statement.\n“Predicting how much renewable generation will be built, which impacts by how much emissions will drop and what price will be paid for EUAs, is an imprecise science,” said Kjersti Ulset, head of European carbon analysis at Point Carbon and author of the report.\nHowever, if renewable growth continues as today, under a 20 per cent emissions reduction target, Point Carbon estimates a shortage of 2.5 billion EUAs for the 2008-20 period of the EU emissions trading scheme (ETS).\nThis shortage increases to 4.9 billion should EU leaders decide to deepen the bloc’s overall emissions reduction target from 20 to 30 per cent under 1990 levels by 2020.\nShould the EU stick with its 20 per cent target, the analysts project EUA prices in a €15-28 range for 2016.\nBut if the EU decides to up its emission reduction target to 30 per cent, the EUA price range forecast is increased to €30-50.\n“Point Carbon expects that the final (emission reduction) target will be 25 per cent as there is strong opposition within the EU to increasing the target and progress has been slow in terms of the international negotiations,” the report said.\nThe analysts arrive at the €30 per tonne price for EUAs in 2016 after weighting the forecast according to the probability of each emissions reduction scenario.\nBy 1130 GMT, the EUA for December delivery was valued at €14.70 on the European Climate Exchange.\nSceptre Group Limited is a specialist investment firm focused in low carbon financial investments such as sustainable biofuel plantations, agricultural farmland and green technologies.\nSceptre Group’s talented team of professionals will be happy to talk through all investment opportunities with you and build a winning portfolio for the future.\nFor more information, visit our website: www.sceptreinternational.com", "domain": "finance"}
{"url": "https://www.levo-donohoolaw.com/blog/2019/08/what-is-probate-administration-why-do-i-need-it-in-collinsville-il/", "date": "2021-01-25T01:17:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703561996.72/warc/CC-MAIN-20210124235054-20210125025054-00295.warc.gz", "language_score": 0.9302288293838501, "token_count": 539, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__84336388", "lang": "en", "text": "What Is Probate Administration and Why Is It Necessary?\nProbate administration is the process of proving to a probate court that a will is valid. If a person dies and leaves a will, then probate is required to ensure that all assets are distributed as the decedent intended. If someone dies without leaving behind a will, then probate is necessary for gathering all of their assets, paying off any debts and taxes, and distributing what’s left to inheritors. It may also be necessary if a will names a beneficiary for a certain account, but the beneficiary passed away before the owner of the account amended the will.\nHow the Process Works\nThe first step of the probate process is to file a petition with the probate court to either admit the will to probate or, if there is no will, to appoint an administrator of the estate. Heirs, beneficiaries, and creditors will be notified of the beginning of the proceeding. Next, there will be an inventory of all the decedent’s real property, investments, business interests, and any other assets. An independent appraiser may be brought in to appraise non-cash assets. Any creditor who wishes to make a claim on assets will have a timeframe in which to do so. After all the assets are inventoried, any estate and funeral expenses, debts, and taxes will be paid from the estate. In some cases, non-cash assets may be sold to satisfy the decedent’s financial obligations. Finally, the remaining assets will be transferred according to the will, or if there is no will, then under Illinois’s intestacy succession laws.\nHow to Avoid Probate\nThough it may sound intimidating, the truth is that probate administration is a fairly routine process that is streamlined and inexpensive. Even so, some wish to avoid probate altogether. This can help to protect the privacy of the deceased, reduce legal fees, and possibly avoid the estate tax, which can take a considerable chunk from a very wealthy estate. Creating a revocable living trust is the most popular way to avoid probate. Assets are placed in the trust but are available to the trust creator during their lifetime. At the time of their death, all assets in the trust are passed to the trust beneficiaries.\nContact Our Office Today!\nThere’s a lot of confusion and misinformation surrounding wills, trusts, and probate administration. At Levo-Donohoo LLC, we help you wade through the jargon and weigh your options, ensuring that your assets are distributed according to your wishes and that the process goes as smoothly as possible.", "domain": "finance"}
{"url": "https://yanginusa.wordpress.com/2011/04/05/interpublic-discloses-stake-in-facebook/", "date": "2018-06-24T12:59:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267866937.79/warc/CC-MAIN-20180624121927-20180624141927-00236.warc.gz", "language_score": 0.9721857309341431, "token_count": 563, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__82924296", "lang": "en", "text": "Interpublic discloses stake in Facebook\nBy David Gelles in New York\nPublished: April 3 2011 23:16 | Last updated: April 3 2011 23:16\nInterpublic, the advertising group, has emerged as an unlikely beneficiary of the surging value of Facebook.\nThe company owns a stake in the social network that is today valued at somewhere between $200m and $300m, depending on Facebook’s valuation and the actual size of the stake.\nThe exact figures have not been disclosed, but people close to Interpublic say it owns slightly less than a half per cent of Facebook, and paid less than $5m for it in 2006.Interpublic, which owns McCann Erickson and other agencies and is led by chief executive Michael Roth, secured shares in what was then an emerging site mostly popular with university students.\nInvestments by an advertising group in a social network are rare, but Interpublic won the privilege by committing to spend $10m for its clients on Facebook, an early win for a social network seeking to bolster its image with advertisers.\nThe position in Facebook is not that substantial compared with Interpublic’s overall revenues, which totalled $6.53bn last year. But the value of the stake is welcome for the group, which is recovering from a tough few years during the recession, and has become large enough for Interpublic for the first time to report it in a filing with the US Securities and Exchange Commission.\n“From time to time, we make investments in privately held companies that we believe may be of interest to the advertising and marketing sectors,” the company wrote in its annual report for December.\n“Certain of these investments, the most significant of which is Facebook, have significantly appreciated compared to their cost, but there can be no assurance as to the terms on which we would be able to dispose of any such investments.”\nWhen Interpublic took its stake in Facebook, the social network was valued at between $1bn and $2bn. Just a year later, however, Microsoft invested $240m in Facebook at a $15bn valuation.\nBut as Facebook’s valuation soared last year, thanks to robust trading on the secondary market, Interpublic realised it was sitting on a substantial stake, and was compelled to disclose it to the SEC.\nBased on a valuation of $50bn, an Interpublic stake of 0.4 per cent would be worth $200m. In recent weeks, however, Facebook has been valued at up to $85bn on the secondary market.\nCopyright The Financial Times Limited 2011. You may share using our article tools. Please don’t cut articles from FT.com and redistribute by email or post to the web.", "domain": "finance"}
{"url": "http://www.montgomeryschool.org/support-montgomery/ways-to-give/index.aspx", "date": "2013-05-23T18:31:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368703682988/warc/CC-MAIN-20130516112802-00067-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9492647647857666, "token_count": 272, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__113792530", "lang": "en", "text": "Gifts of cash are the simplest way of making a gift. Donors may also make a pledge when contacted by a volunteer or during one of our phonathons. They will receive a remittance envelope with their appeal and can use it to send a check to the School.\nCredit Card Gifts\nDonors may also use a credit card (Visa or Mastercard) to make a gift. They may fill out the remittance envelope with their gift amount, credit card number, expiration date, and the name on the card and return it to the school. They may use our Online Giving Form. They may also make a gift by telephone by calling the Development Office at 610-827-7222 with their credit card information.\nGifts of Appreciated Securities\nDonating appreciated securities to Montgomery School (stocks, bonds and mutual fund shares held for at least one year and a day) is a tax-advantaged way to make a gift and can be done easily. To insure the proper crediting of stock gifts, donors should call the Development Office with the details of their gift and to obtain transfer instructions.\nCorporate Matching Gifts\nMany corporations have established programs whereby the company matches or multiplies donations made by active and sometimes retired employees. Any individual whose donation generates a matching gift will receive additional credit for that amount.", "domain": "finance"}
{"url": "https://georgewimmer.org/2018/05/30/summer-isantian-article-2/", "date": "2023-11-29T12:16:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100081.47/warc/CC-MAIN-20231129105306-20231129135306-00545.warc.gz", "language_score": 0.9556642174720764, "token_count": 964, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__297992598", "lang": "en", "text": "We have a great summer ahead of us. I want to announce a new program I created that partners with the six schools located in the City of Isanti, known as Painting Plow Blades. City staff will clean-up our City plow blades and drop one at each of the schools where teachers incorporate painting them into their Arts Program. We will display the plow blades at our Celebrate Isanti Day on August 11. I am excited to see what the students will create! Make sure you check the Community Event section on page 11 to see all the great activities that are available this summer. Please do not forget that Redbirds Baseball games, soccer games, and BMX races are all free to the public to attend.\nWe are hosting the 11th Annual Mayor’s Employer Celebration Day on June 19. On this day, we take time to celebrate all of our Employers and Employees in the City and their great contributions. We have increased total net employment in the City from 1,377 in 2009 to 1,928 in 2017; while increasing total net businesses from 123 to 182.\nWe have experienced significant growth in our City the past couple of years. This has raised questions regarding what will happen when growth slows down again. This is an excellent question, considering the boom of the early 2000s and the recession that followed. The City at that time made several unfortunate decisions that caused significant economic pain when the recession hit. The City had taken on a significant amount of debt and did not charge adequate developer fees to cover costs. This lead to total net debt ballooning to $9.1 million. This was a crushing amount of debt for a City our size. Another financial planning decision made was to base their decision on 130 new homes being constructed each year for 10 years. This inflated number lead to irresponsible decision making including large increases in spending and staffing. Another legacy cost was the inadequate, and in some cases, no capital replacement budgets to repair/replace City infrastructure. When the recession hit with the collapse of the housing market Isanti suffered the consequences.\nWhen I was first elected Mayor, cuts were made to address the financial issues the City was facing. There were staff cuts as well as cuts in spending and difficult Union negotiations occurred to share more healthcare benefits cost so we could conserve cash and start paying down debt. I created our Development Impact List, Long Term Financial Plan, Long Term Infrastructure plan and 5 Year Cash Flow Analysis Tool. We are now basing our residential fiscal impact plans on 25 home starts per year. In the last four years, we have had 233 total home starts. This is equivalent to 9.3 years of financial benefit. This helps protect the City when construction slows down and allows us to keep moving Isanti forward. We were able to use these tools, and along with tough decisions, are able to make the following improvements:\nPer Capita Income increased 77%\nMedian Household Income increased 54%\nMedian House Value is $35,550 higher than neighboring communities\nCut net debt from $9.1 million to $2.9 million, since being elected Mayor\nImproved City Credit Rating from Baa1 (one step above Junk/Speculative rating) to\nAA+ or High Quality\n48% net increase in total number of businesses\nLocal jobs increased by 40%, since being elected Mayor\nReceived multiple Business Recruitment Awards from the Minnesota\nEconomic Development Association\nCut Sewer Base Fee 50%\nCut Water Base fee 25%\nCut SAC/WAC fees $2,500\nCut property tax rate 7% in 2018\nProposed City Property Tax cut of 10% for 2019\nIsanti named 6th Safest City in Minnesota (out of 853 cities)\nAdded Patrol Officer and Police Investigator positions and Police Bike Patrol\nIsanti School Resource Officer named #1 in the State\nImproved Police equipment and technology\nWon Drinking Water Quality Award\nWon Blue Star Award for Protecting and Preserving Minnesota’s Water Resources\nFit City Designation\nGreen Step City\nThese improvements show that Isanti has overcome the obstacles of the past, and is now on a successful path moving forward. We truly are a “Community for Generations” and there is no better place to work, live or recreate than the City of Isanti.\nIf you have any questions, concerns or comments please contact me at 763-442-8749 or email me at George@georgewimmer.org . You may also follow me and keep up to date on all things Isanti on Twitter at twitter.com/mayorwimmer Facebook at http://www.facebook.com/MayorGeorgeWimmer or my blog at georgewimmer.org.", "domain": "finance"}
{"url": "https://luxuryloungecasino.com/small-value-stocks-may-be-too-good-to-be-true-but-some-do-exist.html", "date": "2023-12-11T03:40:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679103464.86/warc/CC-MAIN-20231211013452-20231211043452-00079.warc.gz", "language_score": 0.9593479633331299, "token_count": 678, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__155183083", "lang": "en", "text": "What are small value stocks?\nValue stocks have different categories, and one of those is a small value stock. Other people refer to it as a small-cap value stock. These are shares with market capitalization and variation styles that intersect. If we are to name an example, we can include a stock that trades lower than its book value and a market capitalization lower than one billion dollars. It’s not an easy task to find a stock that has these two criteria. However, many people can’t deny that small value stocks have a reputation for bringing high yield returns.\nThe Fama and French’s three-factor model\nFama and French’s three-factor model states that small value stocks have two essential qualities. With all the things we have mentioned earlier, you may already know what they are: size and value. This model expands on the CAPM or capital asset pricing model through additional sizes and value factors to its market risk. It tells us that small-cap stocks will most likely outperform the markets. They will be over and above large-cap stocks regularly. But why? Generally, small stocks have massive chances for growth. They do not always get the attention of analysts. Hence, they do not get enough coverages. They are quick to develop and benefit from new technologies.\nSmall value stocks are not growth stocks.\nEven though we are mentioning all of these, we do not consider them as growth stocks. So, this is more like an advantage for them if we are looking from a fundamental perspective, unlike growth stocks. Growth stocks may look promising, but in reality, they may not be profitable or have solid balance sheets. Growth stocks somehow have high valuations beforehand that come with positive expectations.\nWhat sets small value stocks apart from small-cap growth stocks?\nSmall-cap stocks are constantly being confused with growth stocks and vice versa. However, these two are considerably different. Investors who have small-cap growth stock investments have chances to beat those involved with institutional ones. But why? Mutual funds come with restrictions. Hence, institutional investors can only buy limited portions of the company’s outstanding shares. On the other hand, small-cap stocks have a more petite float against large-cap stocks. For your information, float refers to shares that are available for trading. Mutual funds find it hard to buy a share percentage that goes beyond the restrictions. They can never inflate the share price. These are some reasons why many investors prefer small-cap value funds. They can directly buy fund shares that the manager already selected beforehand instead of selecting securities by themselves.\nWhat have we learned so far about small-value stocks?\nFama and French’s three-factor model tells us that small value stocks have two essential qualities. These are small-cap size and their value. Small-cap stocks refer to companies with less than two billion market capitalization and trading at lower prices compared to the given valuation model. The valuation model details and the definition used are some factors that affect small value stocks. They are pretty rare and unusual in the investment world. It is almost impossible for analysts to miss out on great stocks or companies. Undervalued stocks with smaller market caps tend to have promising growth opportunities. However, they also come with risks of failure in the long run.", "domain": "finance"}
{"url": "https://sattanewss.com/pet-insurance-caring-for-your-furry-family-members-health-and-well-being/", "date": "2024-04-15T08:11:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816954.20/warc/CC-MAIN-20240415080257-20240415110257-00427.warc.gz", "language_score": 0.916572093963623, "token_count": 1142, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__108888142", "lang": "en", "text": "For many of us, pets are more than just animals; they’re beloved members of our families. We want the best for our furry friends, and that includes ensuring they receive top-notch healthcare when they need it. Pet insurance is a valuable tool that provides peace of mind, knowing that you can provide the best medical care for your pets without breaking the bank. In this comprehensive guide, we’ll explore the world of pet insurance, why it’s essential, how it works, and how to choose the right coverage for your four-legged family members.\nThe Importance of Pet Insurance\n- Healthcare Costs: Just like humans, pets can experience accidents, illnesses, and chronic conditions that require medical attention. Veterinary care can be expensive, and pet insurance helps offset these costs, making it more affordable to provide essential healthcare.\n- Quality Care: Having pet insurance ensures that you won’t have to make difficult decisions about your pet’s health based on financial constraints. You can choose the best treatment options recommended by your veterinarian without hesitation.\n- Unpredictable Emergencies: Accidents and emergencies can happen at any time. Pet insurance prepares you for unexpected medical expenses, allowing you to act quickly to get your pet the care they need.\nHow Pet Insurance Works\nPet insurance operates on a reimbursement model, similar to health insurance for humans. Here’s how it typically works:\n- Choose a Plan: Select a pet insurance plan that suits your budget and the specific needs of your pet. Plans can vary in coverage, deductibles, and monthly premiums.\n- Visit Any Vet: Unlike some human health insurance plans that restrict you to a network of providers, pet insurance generally allows you to visit any licensed veterinarian or specialist.\n- Pay the Bill: When your pet needs medical attention, you’ll pay the veterinarian directly at the time of service. Keep copies of your invoices and receipts.\n- Submit a Claim: After the visit, you’ll submit a claim to your pet insurance provider. This can often be done online, and you’ll need to provide details about the treatment and associated costs.\n- Reimbursement: Once your claim is processed and approved, the insurance company will reimburse you for the eligible expenses, usually a percentage of the total bill. Reimbursement rates can vary depending on your chosen plan.\nChoosing the Right Coverage\nSelecting the right pet insurance coverage is crucial to ensuring that your furry family members receive the care they need. Here are some key factors to consider:\n- Type of Coverage: Pet insurance plans typically offer three types of coverage:\n- Accident Coverage: Covers injuries resulting from accidents.\n- Illness Coverage: Covers treatment for illnesses and diseases.\n- Wellness/Preventive Coverage: Covers routine care such as vaccinations and annual check-ups.\n- Deductible: The deductible is the amount you’ll need to pay out of pocket before your insurance coverage kicks in. Higher deductibles often result in lower monthly premiums, while lower deductibles mean higher premiums.\n- Reimbursement Percentage: Different plans offer varying reimbursement percentages, typically ranging from 70% to 90%. Consider how much of the costs you want the insurance to cover.\n- Coverage Limits: Some policies have annual or lifetime limits on coverage. Be sure to understand these limits, especially if you have a breed that is prone to certain health conditions.\n- Exclusions: Familiarize yourself with any exclusions in the policy. Certain conditions or treatments may not be covered, so it’s essential to know what to expect.\n- Age and Breed: Some pet insurance providers have age restrictions, and coverage may be more expensive for older pets. Additionally, certain breeds may have pre-existing conditions that affect coverage and costs.\n- Waiting Period: Most pet insurance policies have a waiting period before coverage begins. Make sure you understand when your coverage starts after purchasing a policy.\nCommon Questions About Pet Insurance\n- When Should I Get Pet Insurance?: It’s best to get pet insurance when your pet is young and healthy. Insuring your pet early can help avoid issues with pre-existing conditions and keep premiums lower.\n- Can I Use Any Veterinarian?: Most pet insurance plans allow you to visit any licensed veterinarian or specialist. This flexibility ensures you can choose the best care for your pet.\n- What Isn’t Covered by Pet Insurance?: Pre-existing conditions, cosmetic procedures, and some elective treatments are typically not covered. Be sure to review your policy’s exclusions carefully.\n- Do Premiums Increase as My Pet Ages?: Yes, premiums often increase as your pet gets older. Additionally, certain breeds may have higher premiums due to breed-specific health risks.\n- Is Pet Insurance Worth It?: The value of pet insurance depends on your pet’s health and your willingness and ability to cover unexpected veterinary expenses. It can be a financial lifesaver in emergencies.\nPet insurance is an invaluable tool that allows you to provide the best possible healthcare for your furry family members. It offers peace of mind, knowing that you can afford essential medical treatments and preventive care. When considering pet insurance, carefully review the coverage options, deductibles, and exclusions to choose the plan that aligns with your pet’s needs and your budget. Remember that pet insurance is an investment in your pet’s health and well-being, ensuring they receive the love and care they deserve throughout their lives.", "domain": "finance"}
{"url": "http://safcomservices.co.uk/about/140-2/", "date": "2021-07-28T09:47:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153709.26/warc/CC-MAIN-20210728092200-20210728122200-00396.warc.gz", "language_score": 0.9703344106674194, "token_count": 573, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__294682511", "lang": "en", "text": "Why does a business need to submit a tax return?\nWhatever type of business you have, be it a sole trader, partnership or limited company, a tax return must be completed to declare your income to HMRC and let them know how much tax is due.\nUnfortunately, not submitting your tax return on time can result in considerable penalties and interest being accrued by HMRC. This is why it’s so important to put arrangements in place early on to ensure everything is completed on time.\nAnother huge benefit to being organised with your tax affairs is that you will know how much tax is due in advance with a good amount of time to pay your balance to HMRC.\nCompleting your Tax Returns\nTax can be a very complex subject so, unless your tax affairs are very straight forward, it is almost always better to seek advice from a professional than attempt to complete your own tax return.\nSome of the benefits of using safcom services to handle your tax affairs are:\n- Peace of mind. By using professionals you know that your tax calculations will be correct and accurate.\n- Investigations. You are less likely to be investigated by HMRC if you use an advisor, as HMRC have ways of knowing if figures submitted on a return are likely to be incorrect. This is a common trigger for a tax investigation.\n- Save time. In most cases it will take you a lot longer to complete your own tax return than it would for an advisor. This time could be better spent running your business!\nWhat is the process?\nWhen asking us to complete your tax return we are not just form filling for you, there is a great deal more to it than that. We start by ensuring that your accounts are complete and correct, as the information contained within your accounts is used to form the basis of the tax calculation.\nOnce we are happy that the accounts are correct, we will take a holistic view of your tax situation (that is, we won’t just look at your business income) and make recommendations that we think could decrease the amount of tax you will have to pay to HMRC. You will then be sent a copy of the tax return/tax calculation to have a look over before any submissions are made.\nOnce everyone is happy, we will submit your return to HMRC. We can also help you with the payment of your tax as well, as there are many different methods and deadlines when making payments.\nThis comprehensive service ensures that the correct and minimum amount of tax is being paid and will mean that, should HMRC ever decide to look into your tax affairs, you have nothing to worry about!\nHow much does all this cost?\nTo see exactly what we include and to get an instant personalised quotation please use the link below. You won’t be disappointed!", "domain": "finance"}
{"url": "https://quora.digiforum.space/what-is-ipo/", "date": "2023-09-22T00:54:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506320.28/warc/CC-MAIN-20230922002008-20230922032008-00558.warc.gz", "language_score": 0.9673922061920166, "token_count": 295, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__88778929", "lang": "en", "text": "IPO stands for Initial Public Offering, which is the first time that a company’s shares are offered to the public for purchase on a stock exchange. In an IPO, a company sells a portion of its ownership to the public in the form of shares, and in exchange, it raises capital to fund its growth initiatives or to pay down debt.\nThe process of going public and conducting an IPO typically involves a number of steps, including preparing financial statements and prospectuses, selecting investment bankers to underwrite the offering, and marketing the offering to potential investors. After the IPO is launched, the company’s shares are listed on a stock exchange, and investors can buy and sell the shares on the open market.\nThe benefits of an IPO for a company include increased access to capital, greater visibility and credibility in the market, and the ability to use its shares as currency for mergers and acquisitions. However, the process of going public can also be expensive and time-consuming, and it can expose the company to greater regulatory scrutiny and shareholder pressure.\nFor investors, an IPO can be an opportunity to participate in the growth potential of a new company and potentially realize a return on investment through capital appreciation or dividends. However, investing in an IPO can also be risky, as the company may be unproven or subject to a high degree of uncertainty. As with any investment, it is important to conduct thorough research and exercise caution when investing in an IPO.", "domain": "finance"}
{"url": "https://brakestogo.com/affordable-financing/", "date": "2019-07-18T13:44:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195525634.13/warc/CC-MAIN-20190718125048-20190718151048-00522.warc.gz", "language_score": 0.9166541695594788, "token_count": 581, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__102946269", "lang": "en", "text": "Paying for brake repair in Austin and San Antonio is now more affordable than ever! Brakes To Go is proud to offer three financing options: Snap Finance, Square Installments & Synchrony Car Care. With three unique financing options, you have the flexibility to pay for Brake Services your way.\nScroll down or click an option below to learn more!\nSnap Finance is an independent loan service who understands that big purchases, like brake repair, may not come at an opportune time. Snap Finance helps you pick a payment solution that fits your financial needs, without leaving a mark on your credit score. Approving over 80% of applicants, regardless of credit or bankruptcy history, Snap Finance can offer you up to $3,000 to use towards your brake repair! The Snap Finance application process is simple:\nComplete the easy, 3-step online\napplication – no paperwork needed.\nOnce you’ve been approved, you will be contacted by a Snap Finance merchant, who will discuss your loan options and the financing amount you have been approved for.\nUse your approved amount to pay\nfor your next brake repair!\nSquare Installments is a payment option that allows you to pay for your brake repair in monthly installments. Payment plans can be used for purchases ranging from $250 to $10,000, and you can choose to pay over three, six, and 12 months. Annual percentage rates will vary from 0 to 24 percent APR based on what you choose and your credit history. The Square Installments application process is simple:\nApply online by answering a few simple questions to see if you’re eligible.\nChoose a plan that’s right for you. What you see is what you pay. No hidden surprises.\nIf approved, you’ll instantly get a digital card to pay for your brake repair purchase.\nSynchrony Financial makes paying for brake service easier with their Car Care One Credit Card. Partnered with thousands of retailers across the United States, Synchrony lets you consolidate all your brake repair and maintenance expenses into one monthly payment.With Synchrony Car Care One Credit Card, you can:\nGet a credit decision\nPay no interest on your brake repair purchases if paid in full within 6 months on purchases of $199 or more.\nUse it at over 25,000 gas stations and auto service centers nationwide\nOne of our Brakes To Go ASE Certified technicians will come to your vehicle, wherever it is located, with all necessary parts and equipment. After diagnosing your car’s problems, we will explain your service options, and then replace only those components you authorize. The price you’re quoted includes all parts and labor; there are no hidden fees at Brakes To Go. All brake parts that we use are the highest quality sold by our supplier and specified for your vehicle.", "domain": "finance"}
{"url": "https://www.newjerseytrucktax.info/hvut", "date": "2024-04-14T22:56:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816904.18/warc/CC-MAIN-20240414223349-20240415013349-00293.warc.gz", "language_score": 0.952202558517456, "token_count": 598, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__125386370", "lang": "en", "text": "The owners of vehicles with registered gross weight equal to or exceeding 55,000 pounds need to pay a tax called Heavy Vehicle Use Tax (HVUT) for using public highways. The HVUT would be proportionate to the gross weight of the vehicle and the load carried. The gross weight of the vehicle would be the addition of the weight of the motor vehicle & the trailers when empty. The load carried would be the maximum of the load carried through the vehicle and the trailers.\nIf you are owning a heavy vehicle with gross weight equal to or exceeding 55,000 pounds, you need to report HVUT through IRS Form 2290 and Schedule 1. The reporting would be for the tax period: July 1 of the existing year to June 30 of the following year after the first use of your vehicle under State, District of Columbia, Canadian or Mexican Law.\nGet ready with your Trucking Company Details, Vehicle Details, Bank Account Details, etc.\nThe deadline to file Form 2290 is August 31st. That is, two months after the tax period between July 1 of the previous year and June 30th of the current year ends. If you are yet to report a vehicle you are using, start doing it from the month following the month of first use. For example, if your new vehicle is registered in January for first use, start reporting HVUT from February. You need to cover months up to the due date, that is, August 31st.\nThere are two methods to file form 2290: Electronic and Paper.\nFile your Form 2290 electronically along with the HVUT payment through any intermediate service providers of the IRS e-file program for excise taxes, such as ExpressTruckTax.com, or through any electronic return originator (ERO), transmitter etc. Visit www.irs.gov/trucker to get the list of the IRS e-file providers.\nThe e-file provider authorized by IRS, ExpressTruckTax, supports Form 2290, Form 8849 and Form 2290 Amendments. To learn more click here\nTo report HVUT through the paper, file Form 2290 with Voucher Form 2290-V to fill the details of check/ money order through which the tax is paid.\nYou need to mail your Form 2290 with Voucher Form 2290-V to:\nForm 2290 with full payment:Internal Revenue Service,\nForm 2290 without payment due or using EFTPS for payment:Department of the Treasury,\nOn paying and reporting HVUT for your vehicle after August 31st, you would face a penalty for every month up to 5 months of 4.5% of the total tax due. For being late in both paying and filing your return, you have to pay an additional monthly penalty of 0.5% of the total tax due along with an extra interest charge of 0.54% per month for the tax due.", "domain": "finance"}
{"url": "https://ashokaindiaequity.com/team_mf/rishi-maheshwari/", "date": "2022-01-17T00:35:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320300253.51/warc/CC-MAIN-20220117000754-20220117030754-00101.warc.gz", "language_score": 0.9609338641166687, "token_count": 151, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__218274477", "lang": "en", "text": "Senior Investment Analyst\nRohit has over 16 years of total experience with over 14 years in the investment industry having covered the Indian Telecom, Consumers and IT services sectors as a sell-side analyst at Kotak Institutional Equities. Rohit was consistently ranked amongst the top analysts in both his lead coverage sectors in polls conducted by Institutional Investor and Asia Money. Prior to his sell-side stint, Rohit spent a couple of years working with Ameriprise Financial as a financial analyst on areas like competitive intelligence and cost reengineering.\nRohit holds a Post Graduate Diploma in Management from IIM Calcutta and a B.E. (Honours) degree from BITS, Pilani.", "domain": "finance"}
{"url": "https://thecareline.org.uk/stories/latest-blogs/news/study-finds-churchgoers-spend-less-money", "date": "2022-06-27T23:34:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103344783.24/warc/CC-MAIN-20220627225823-20220628015823-00579.warc.gz", "language_score": 0.9819885492324829, "token_count": 257, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__237131266", "lang": "en", "text": "Study finds churchgoers spend less money\nNew research has suggested that churchgoers are more frugal than other shoppers.\nAmerican psychologists from universities in Massachusetts and Pennsylvania found that Christians count their pennies when it comes to grocery shopping and also make fewer impulse purchases.\nThe researchers said the findings support the notion \"that many religions emphasise the value of being prudent with money.\"\nJohn Morris from Christian financial advisors firm the Harvest Partnership told Premier's News Hour being frugal can be helpful.\n\"Financial prudence is something we can all learn from and all benefit from, because in the end the household budget is what it is,\" he said.\n\"We have to be very wise in our spending and determine what we should spend our money on.\nThe resources that the Lord has given us are for us to have control over and use according to his will and also to meet the needs of our family.\"\nHowever, he said it's possible to go overboard with being too penny-wise.\nMorris added: \"Some people who are wealthy are tight. They don't give very much away and they're very, very careful with their expenditure and I don't think that's automatically good. \"\nThe study surveyed 2,400 shoppers in ten states.", "domain": "finance"}
{"url": "https://www.montanahima.net/professional-coding-auditor-consultant/", "date": "2022-06-29T22:37:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103645173.39/warc/CC-MAIN-20220629211420-20220630001420-00674.warc.gz", "language_score": 0.9114525318145752, "token_count": 600, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__215675140", "lang": "en", "text": "Professional Coding Auditor/Consultant\nPYA is seeking a Professional Coding Auditor/Consultant to join its high-performing and privately-owned firm with a dynamic culture and a strong national reputation. This individual will be a part of PYA’s Compliance Advisory Services.\nResponsible for the accurate coding auditing of physician and non-physician practitioner documentation using current coding guidelines, with attention to Medicare, medical necessity, NCD, and LCD requirements. Professional coding auditing expertise in multiple specialties is required, and expertise in facility inpatient and outpatient coding methodologies is preferred.\nThe Consultant will assist PYA clients with provider documentation improvement, reviews for billing and other regulatory compliance with third-party payers, revenue cycle management, as well as reimbursement methodology advisory support.\n- Current credential of CPC/CCS-P or related professional credential required\n- Strong understanding of and experience in auditing for compliance with 1995, 1997, and 2021 E/M Guidelines required\n- Additional credentials such as RHIT, CCS, FACHE, CMPE, or CPMA, desirable\n- Physician financial reimbursement and revenue cycle understanding is preferred\n- Knowledge related to post-acute coding and billing (SNF, Home Health, Palliative Care, Behavioral Health) is a plus\n- Experience presenting to physicians and other healthcare providers preferred\n- Professional services firm experience desired\n- Ability to work in a fast-paced, high-volume coding audit (5-7 encounters per hour average expected) environment with a team, which expects high-quality deliverables and accuracy to clients\n- Superior communication skills, both oral and written\n- Excellent project management skills\n- Traits that include: detail-oriented, flexible, and responsive\n- Openness to feedback\nServing clients in all 50 states from offices in Atlanta, Helena, Kansas City, Knoxville, Nashville, and Tampa, PYA is consistently ranked by Modern Healthcare as one of the Top 20 healthcare consulting firms in the U.S. and by INSIDE Public Accounting as one of the nation’s “Top 100” Largest Accounting Firms. PYA also was named one of America’s Best Tax and Accounting Firms of 2022 in the Forbes annual list, and Accounting Today highlighted PYA as “One of the Most Successful Firms in the Country.”\nThis success is the result of almost four decades of steadfast adherence to a culture of integrity, responsiveness, and relationships – both with clients and teammates.\nLearn more at pyapc.com.\nInstructions for Resume Submission:\nCall Catie Scott, Director of Talent Acquisition, at 404-799-4231 or email resume to firstname.lastname@example.org.", "domain": "finance"}
{"url": "https://www.abule.io/articles/payment", "date": "2022-07-02T13:37:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104141372.60/warc/CC-MAIN-20220702131941-20220702161941-00597.warc.gz", "language_score": 0.9331516623497009, "token_count": 510, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__79889128", "lang": "en", "text": "They’re much more than just tokens of appreciation. They’re tokens that keep the community going.\nIt’s no secret: caregivers aren’t paid enough for their work. The bulk of caregiving tasks fall into the hands of women, many of whom are mothers and must balance careers on top of their own caregiving responsibilities.\nBut why is such a critical component to collective wellbeing historically overlooked and underpaid? Where would we be without the people who educate our children, nurse our elders and feed our communities?\nAbulé is here to shift the narrative surrounding caregiving and compensation. We help caregivers amass wealth to make up for all the lost years at work. We do so through the trading of$CARE tokens.\nSo, what is a $CARE token, anyway? In this article, we’ll give you a full breakdown of what they are and how they work, including:\n$CARE tokens are tokens that are used to trade or pay for services on the Abulé platform. Earned tokens may be used within the platform or cashed out as extra income. Think of them as the currency exclusively built for the Abulé community. One $CARE token equates to $5. $CARE tokens can be bought using standard dollar currency or with cryptocurrency. If you’re curious about how to connect your cryptocurrency wallet to the Abulé platform, you can check out this article here.\n$CARE tokens help buyers and sellers trade value within the ecosystem. They can be used in a variety of ways. For starters, you can use your $CARE tokens to pay for caregiving services. You can send caregivers $CARE tokens from directly inside the Abulé platform. Tokens can also be used to pay for community activities. If you like, you can also exchange $CARE tokens for cash.\nUltimately, Abulé community members are rewarded for helping others with $CARE tokens, enabling the under-economy of caregivers to amass wealth.\nAs the first care economy on blockchain, Abulé is committed to leveraging cutting-edge technologies that empower strong, independent communities. Together, we’re building the future of decentralized care – and we want you to join us. To learn more about how cryptocurrency and the blockchain will play a future role in the village, check out this article.\nStill have questions? Get in touch with us! Our team is happy to help.", "domain": "finance"}
{"url": "http://theeliotchurch.org/give-to-the-eliot-church-82.html", "date": "2013-12-13T20:36:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164989714/warc/CC-MAIN-20131204134949-00096-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9363194108009338, "token_count": 443, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__184791285", "lang": "en", "text": "Giving to the Eliot Church\nThe Eliot Church conducts an annual pledge drive to support the church mission and operating budget.\nThere are two main ways that you can donate to the Eliot Church...\n1. Make a pledge to the church by contacting the Assistant Treasurer at firstname.lastname@example.org. You can then fill this pledge either by...\n- Completing a form to automatically pay by credit card, debit card or electronic funds transfer from your checking account. The Assistant Treasurer will provide this form.\n- Paying by check (on a one-time or ongoing basis)\n- Paying by cash (you will be given envelopes to deposit in the Sunday collection).\n2. Transfer securities to the church. In many cases, gifting of appreciated securities may offer favorable tax treatment. Please contact the Treasurer of the church for details and a sample letter: email@example.com\nThe church will track your contributions and will provide documentation for tax purposes. All donations are fully tax deductible.\nThank you for your support - every donation makes a difference to our Church!\nEliot Church Endowment Fund\nThe Eliot Church Endowment Fund exists as an entity separate from the Church (managed by a Committee elected at the Church Annual Meeting). The purpose of the Endowment Fund is to assure the long term success of the Church.\nSurpluses in the Church operating budget may be directed to the Fund. More commonly, income/appreciation from the Fund is distributed to the church to be used as part of the operating budget. The principal of the Fund, however, will always be preserved and used only for emergencies or special purposes that will contribute to the growth and sustenance of the church (for example, real estate purchases).\nMembers and friends of the Church are strongly encouraged to consider a planned gift such as providing for the Fund in your will or naming the Fund as a life insurance beneficiary. The continued existence of the Eliot Church can be part of your legacy.\nOf course, the Fund also accepts current donations: this is an excellent use of appreciated stock.\nPlease contact Ben Bailey, Chairman of the Endowment Committee for information.", "domain": "finance"}
{"url": "http://www.tedxteen.com/speakers/rachel-fox", "date": "2019-10-19T15:55:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986696339.42/warc/CC-MAIN-20191019141654-20191019165154-00403.warc.gz", "language_score": 0.9891026616096497, "token_count": 324, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__53224622", "lang": "en", "text": "Rachel has been working as an entertainer since she was 5-years-old. She has grown up performing and entertaining via music and film, and will continue to do so for the rest of her life. Rachel and her band, No Babies No Bullets have played at different music festivals and venues through the West Coast, including Sundance Film Festival 2015, NAMM, The Viper Room and others. She has also worked on films and television shows with Daniel Craig, Naomi Watts, Patricia Arquette, Daryl Hannah, Michael Chiklis and many more.\nShe became involved with investing and trading at 15. Before trading, she was looking for ways to grow her savings and become financially independent at a young age. Her parents were very financially aware and infused that into her life early on. At 15, Rachel began researching how to invest and trade on the Internet. She opened her first joint online trading account with her parents, started with stocks, and 3.5 years later, she is currently trading stocks, futures and options successfully.\nSince Rachel was home-schooled for high school and finished early, she began blogging about finance and investing to continue while in-between working on sets and playing music. Her blog is read by people both young and old who want basic answers to their finance questions and want to start investing. Rachel was on CNBC, YahooFinance and Fox Business to discuss Fox on Stocks and trading as well as named one of Time Magazine's 25 Top Most Influential Teens of 2014.\nWhen she's not trading, she loves to travel, run and play music.", "domain": "finance"}
{"url": "http://www.financialinclusionnetwork.com.au/what-we-do/", "date": "2024-04-19T15:26:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817438.43/warc/CC-MAIN-20240419141145-20240419171145-00095.warc.gz", "language_score": 0.9108545184135437, "token_count": 230, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__5495282", "lang": "en", "text": "What we do\nNSW Financial Inclusion Network\nThe NSW Financial Inclusion Network is a policy think tank concerned with financial inclusion.\nWe aim to influence policy discussions to create a more financially inclusive future for New South Wales.\nThe network is a state-wide focused coalition, bringing together deeply invested key stakeholders across several sectors to collaborate on financial exclusion issues, identify potential solutions and persuade state policy makers to act on the issue of financial exclusion.\nThe network’s members are based all over the state and is facilitated by leading partner Northern Rivers Community Gateway.\nFinancial inclusion coordination\nNorthern Rivers Community Gateway is funded to implement the New South Wales Financial Inclusion Program. This program promotes and supports financial inclusion services throughout the state by:\n- Developing and exploring financial inclusion strategies, resources and products that:\n- can be delivered or accessed by funded NGO’s and\n- support NGO’s to undertake effective financial conversations with a view to improving client financial behaviour.\n- Providing strategic advice to NSW Fair Trading on financial inclusion.\n- Link funded services and microfinance services to financial inclusion strategies and products.", "domain": "finance"}
{"url": "http://websitepromoters.com/blockchain/", "date": "2024-03-03T23:00:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476399.55/warc/CC-MAIN-20240303210414-20240304000414-00714.warc.gz", "language_score": 0.9194279909133911, "token_count": 1361, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__210818350", "lang": "en", "text": "Blockchain technology has emerged as a powerful tool that has the potential to revolutionize various industries and transform the way we conduct transactions and share information. While often associated with cryptocurrencies like Bitcoin, blockchain has a much broader range of applications that extend beyond the financial sector. In this comprehensive guide, we will explore the fundamentals of blockchain, how it works, and its diverse use cases across different industries.\nI. Understanding Blockchain Technology\n1.1 What is a Blockchain?\nAt its core, a blockchain is a decentralized and tamper-proof database that records transactions and information in a transparent and secure manner. Unlike traditional databases that rely on a central authority, blockchain operates on a distributed ledger, where each transaction is recorded and verified by multiple participants in a network. This decentralization ensures that no single entity has control over the entire system, enhancing security and eliminating the risk of manipulation or fraud.\n1.2 The Concept of Trust and Consensus\nOne of the key features of blockchain is the concept of trust and consensus. In a blockchain network, transactions are validated and agreed upon by the entire community, rather than a centralized authority. This consensus mechanism ensures that all participants in the network have a shared view of the transaction history, creating mutual trust without the need for intermediaries.\n1.3 How Does Blockchain Work?\nBlockchain operates through a series of interconnected blocks, with each block containing a set of transactions. These blocks are linked together using cryptographic hashes, creating an immutable chain of information. To add a new block to the chain, it must undergo a verification process by network participants known as miners. Miners use computational power to solve complex mathematical problems, ensuring the validity and integrity of transactions before they are added to the blockchain.\n1.4 Types of Blockchains\nThere are several types of blockchains, including public, private, hybrid, and consortium blockchains. Public blockchains, like Bitcoin, are open to anyone and allow for anonymous participation. Private blockchains, on the other hand, restrict access to a select group of participants and are often used by enterprises for internal purposes. Hybrid blockchains combine elements of both public and private blockchains, while consortium blockchains are governed by a group of organizations working together.\nII. Blockchain Applications\n2.1 Cryptocurrencies and Digital Assets\nCryptocurrencies, such as Bitcoin, were the first and most well-known applications of blockchain technology. They enable secure and decentralized digital transactions, allowing individuals to transfer value without the need for intermediaries like banks. In addition to cryptocurrencies, blockchain also enables the creation and management of various digital assets, including tokens and non-fungible tokens (NFTs).\n2.2 Supply Chain Management\nBlockchain has the potential to revolutionize supply chain management by improving transparency, traceability, and accountability. By recording every step of a product’s journey on the blockchain, companies can ensure the authenticity and quality of their goods, prevent counterfeiting, and streamline logistics processes. Blockchain also enhances trust between suppliers, manufacturers, and consumers, as everyone has access to the same verified information.\n2.3 Healthcare and Medical Records\nThe healthcare industry can greatly benefit from blockchain technology in terms of secure storage and sharing of medical records. By utilizing blockchain, patients can have greater control over their health data, granting access to healthcare providers only when necessary. This improves the efficiency and accuracy of healthcare delivery, reduces administrative burdens, and enhances patient privacy and data security.\n2.4 Smart Contracts and Decentralized Applications\nSmart contracts are self-executing contracts encoded on the blockchain that automatically execute predefined actions when specific conditions are met. These contracts eliminate the need for intermediaries and enable trustless transactions. Blockchain platforms like Ethereum have opened up new possibilities for decentralized applications (dApps) that can revolutionize industries such as finance, insurance, and supply chain management.\n2.5 Identity Management and Authentication\nBlockchain technology offers a secure and decentralized solution for identity management and authentication. By storing identity information on the blockchain, individuals can have portable and verifiable digital identities, eliminating the need for multiple identification documents. This enhances privacy, reduces the risk of identity theft, and simplifies the process of identity verification.\n2.6 Voting Systems\nBlockchain can address the challenges of traditional voting systems by providing secure and transparent platforms for elections. By leveraging the immutability and transparency of the blockchain, voting systems can prevent fraud, ensure the integrity of the electoral process, and enable remote and anonymous voting. This technology has the potential to increase voter participation and enhance trust in democratic processes.\n2.7 Finance and Banking\nThe financial industry has been exploring the use of blockchain technology for various applications, including cross-border payments, trade finance, and asset tokenization. Blockchain enables faster and more secure transactions, reduces costs associated with intermediaries, and enhances transparency and auditability. Major financial institutions are actively investing in blockchain-based solutions to streamline their operations and improve customer experiences.\n2.8 Media and Entertainment\nBlockchain has the potential to transform the media and entertainment industry by providing solutions for content ownership, distribution, and monetization. Through blockchain-based platforms, creators can protect their intellectual property rights, receive fair compensation for their work, and interact directly with their audience. Non-fungible tokens (NFTs) have gained popularity as a way to tokenize and trade digital assets, including art, music, and virtual real estate.\nIII. Advantages and Challenges of Blockchain\n3.1 Advantages of Blockchain Technology\nBlockchain technology offers several advantages, including enhanced security, transparency, efficiency, and cost-effectiveness. By eliminating the need for intermediaries, blockchain reduces transaction costs and enables peer-to-peer interactions. The decentralized nature of blockchain also makes it resistant to single points of failure and censorship, ensuring the integrity and availability of data.\n3.2 Challenges and Considerations\nWhile blockchain has immense potential, it also faces certain challenges and considerations. These include scalability issues, regulatory concerns, energy consumption, and interoperability with existing systems. Blockchain technology is still evolving, and its widespread adoption requires addressing these challenges and ensuring interoperability between different blockchain networks.\nBlockchain technology has the potential to revolutionize industries and transform the way we conduct transactions, share information, and establish trust. From cryptocurrencies and smart contracts to supply chain management and healthcare, blockchain offers a wide range of applications that can enhance security, transparency, and efficiency. As blockchain continues to evolve and overcome challenges, its impact on various sectors will only continue to grow, paving the way for a decentralized and trustless future.\nTo view more of our blog posts, view our website’s blog section.", "domain": "finance"}
{"url": "https://www.nittosongbad.com/job-circular-2021/job/", "date": "2021-05-09T14:18:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243988986.98/warc/CC-MAIN-20210509122756-20210509152756-00415.warc.gz", "language_score": 0.9338106513023376, "token_count": 281, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__195322932", "lang": "en", "text": "Islami Bank will take probationary officer, Salary 55500: Job Circular 2021\nPrivate sector bank Islami Bank Bangladesh Limited has issued a notification for recruitment of manpower. The notification has been issued for the appointment of probationary officer. However, the details of how many will be recruited were not disclosed in the notification. Anyone can join the post of probationary officer subject to fulfillment of qualifications as per the notification. Online application has started from today. Applications can be submitted till March 30.\nEligibility of application\nTo apply for the post of Probationary Officer, the candidate should have Masters, MBA, MBM or equivalent qualification with Honors for a period of four years. The age of the applicant should be minimum 22 years and maximum 30 years.\nThe probation period for this post is one year. At this time, the candidate will get a salary of 48 thousand rupees per month. Successfully, after 1 year of probation, the recruits will get a salary of 55,500 rupees. In this case the basic of the candidate will be 24240 rupees.\nRules of application\nInterested candidates can fill the application form from the website (http://career.islamibankbd.com/career.php).\nThere are details in the application. Interested candidates can submit the completed application form till March 30.\nJob Circular 2021", "domain": "finance"}
{"url": "http://thefiverproject.uk/the-fiver-objective", "date": "2018-07-23T05:36:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676594954.59/warc/CC-MAIN-20180723051723-20180723071723-00620.warc.gz", "language_score": 0.9277971982955933, "token_count": 113, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__99279944", "lang": "en", "text": "The Long Term Objective:\nTo be able to accrue at least a month’s salary in hand – enabling me to get to a position to be spending at least 30 day old money rather than living payday to payday. This is a big objective which will take a long time to achieve, certainly more than the 365 day initial project. I intend to rollover the amount annually until I have at least £1200 in my current account before my salary lands each month.\nPaying down debt.\nLearning to manage my income and live within my means.", "domain": "finance"}
{"url": "https://www.birminghamfa.com/news/2021/may/05/affiliation-window-for-2021-22-now-open", "date": "2024-04-15T02:54:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816939.51/warc/CC-MAIN-20240415014252-20240415044252-00138.warc.gz", "language_score": 0.9630553126335144, "token_count": 314, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__202860662", "lang": "en", "text": "We are delighted to announce that the affiliation window for the 2021/22 season is now OPEN!\nAs we recognise that clubs have been unable to benefit from last season's affiliation offer, we are pleased to say this season's affiliation will reflect much of the same. To help continue to ease the financial burden on clubs at this time, the County FA are pleased to announce that our club membership fees are FREE for the 2021/22 season.\nFurther to this, the County FA are financing the Public Liability Insurance for all clubs and there will also be NO £5 team fee for the season, meaning all teams can affiliate for FREE, in the hope that this helps your club financially and generates growth for next season.\nAdditionally, we have negotiated some really great rates with the County FA's insurance brokers Sportsguard for Personal Accident Insurance, which is the only affiliation cost to your club for the 2021/22 season.\nFor all information and price lists, please view our Affiliation Pack here.\nYou can access the Whole Game System using your FA Number and password.\nShould you experience any problems or would simply like to know more, there is a dedicated Whole Game System Help Page with FAQs and instructional videos on our website here.\nIf you have any further queries, please do not hesitate to contact us via email@example.com.\nThank you for your continued co-operation and hard work, under what have been and still are very difficult circumstances and we look forward to working with you again during the 2021/22 season.", "domain": "finance"}
{"url": "https://www.gemsunitedindianschool-abudhabi.com/Admissions/Tuition-Fees/Save-on-your-school-fees", "date": "2021-02-27T11:54:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178358956.39/warc/CC-MAIN-20210227114444-20210227144444-00334.warc.gz", "language_score": 0.9489496350288391, "token_count": 144, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__116908558", "lang": "en", "text": "How to save on your fees\nAt GEMS Education it is not just about financial support. We are always looking at ways we can evolve to ensure that we provide families with a quality education no matter what curriculum or fee point.\nHere are some of the ways our parents can save on their school tuition fees:\nFAB / GEMS Co-branded Credit Card\n- 4.25% discount on your tuition fees\n- 0% processing fees\n- 12 months easy payment plan with 0% interest\nRefer a friend to a GEMS school and earn 4% of the referred child's annual tuition fees as GEMS points. These points can be used to pay for your child's school and transportation fees.", "domain": "finance"}
{"url": "http://www.hondaoakland.com/financing/index.htm", "date": "2017-04-26T21:26:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121665.69/warc/CC-MAIN-20170423031201-00339-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9475492835044861, "token_count": 262, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__322436286", "lang": "en", "text": "Honda of Oakland Auto Financing Department | Serving Berkeley, San Leandro, Alameda, the Bay Area with Car Loan & Honda Lease Options\nWelcome to Honda of Oakland's auto Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Before deciding on a ride to finance make sure to browse our current new vehicle specials! Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.\nAll types of credit, from good to bad, can qualify for an auto loan. Honda of Oakland has strong relationships that are needed to get you the perfect auto financing options. If you don't have any credit or have less than perfect credit we will still work to find you an option for auto financing that you can afford. Honda of Oakland is committed to finding you the perfect car loan company to suit your car finance needs.\nLow interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing! We have helped many satisfied drivers in the greater San Leandro, Berkeley CA, Alameda and Bay Area afford their dream cars.", "domain": "finance"}
{"url": "https://motrom.com/news/how-to-make-money-on-marketplaces-by-selling-seasonal-products", "date": "2023-05-29T09:21:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644817.32/warc/CC-MAIN-20230529074001-20230529104001-00748.warc.gz", "language_score": 0.9613602757453918, "token_count": 977, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__94589281", "lang": "en", "text": "Due to economic and political instability, purchasing power is noticeably reduced, and the average check on online platforms is decreasing. However, competition is still growing, more and more sellers want to trade on marketplaces.\nWhat to do in a difficult situation in order to earn money, and whether it is worth selling seasonal goods, says Askar Rakhimberdiev, CEO of MySklad. The cloud service is integrated with popular marketplaces. The company organizes discussions and webinars where trends and current market issues are discussed.\nSeasonal products - what are they and what are their advantages\nSeasonal goods are called goods, the demand for which directly depends on the time of year, holidays, weather conditions and other external factors. Such goods include swimwear, down jackets, school supplies and other goods that are in high demand during a certain period of time.\nIt is profitable to sell such products no more than 3-4 months a year at best. At worst, the demand period is only a few weeks. The rest of the time, interest in it can be generated by participating in seasonal sales, when prices are reduced by 50%.\nThe main advantages of seasonal products:\nHigh profitability. It is much higher for seasonal goods. The profitability of products that are sold evenly all year round starts at 7%, and for seasonal products - from 25% to 70%. Conditional bows, which are used to tie the hair of first-graders, cost fabulous money in the last week of August, and on the morning of September 1, their cost drops.\nOpportunity to earn fast. The margin for seasonal goods can reach up to 400%. If you buy or produce goods in advance at a low price and correctly predict demand, you can extract maximum profit with minimal investment.\nThe ability to make an upsell is to increase the average check. If you sell artificial fir trees, you can offer additional products for them - toys, garlands, New Year's tablecloths, napkins, etc. With a high probability, the buyer will buy something else.\nDifficulties in dealing with seasonal goods\nIf the seller does not know the specifics of working with seasonal goods, he runs the risk of not having time to sell the goods and being left with Christmas trees in January.\nTherefore, it is necessary to take into account the following nuances:\nAnalyze sales. See how the same products were sold last year by competitors, evaluate the strengths and weaknesses.\nIt is necessary to purchase products from a supplier 3-6 months before the start of sales. Later, the supplier or manufacturer may raise the price. If we want to sell winter hats, we need to buy them in the summer, long before the start of the season.\nIt is necessary to correctly predict demand and manage it during the season. If the product does not sell well, then you need to use all possible tools: advertising on the marketplace itself and in social networks, bloggers, SEO promotion. It is better to order more than to run out of stock. Some seasonal items are sold all year round, but their sales drop noticeably.\nFor example, summer clothes, swimwear or down jackets: they will have to be sold at a discount, but if the unit economy is calculated correctly, then the seller will not be left without profit. It is not uncommon for novice salespeople to make the mistake of miscalculating the number of units and subsequently find themselves unable to restock or difficult to sell.\nSeasonality should be tracked based on the principle of segmentation:\nRigid. Goods that belong to this category are bought within 2-3 weeks. As an example - Easter sets or Christmas trees.\nBright. Demand for goods in this category is reduced by 40-60%. For example, swimwear is also bought in winter - for the pool or relaxing in warm countries, as well as in order to buy goods at a better price.\nModerate. Demand for these goods is always about the same level, except for holidays, when it rises by an average of 15%. This category includes bouquets, school supplies, beauty products and others.\nI do not advise entering the market exclusively with seasonal goods, especially if the business is taking its first steps. Such products should not be more than 30-40% of the assortment portfolio. The rest is products with minimal risks (household chemicals, cosmetics, etc.).\nTo get the maximum income, follow the trends\nIf you want to get double the profits from selling seasonal items, follow the trends. The recommendation is most relevant for those who sell toys, clothes, jewelry, handicrafts. Fashion trends can be analyzed based on reviews of industry experts and information on social networks and large marketplaces - where it appears and spreads very quickly.", "domain": "finance"}
{"url": "https://www.redland.com/uncategorized/ent-credit-union-coming-to-central-park/", "date": "2023-10-02T17:33:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511002.91/warc/CC-MAIN-20231002164819-20231002194819-00343.warc.gz", "language_score": 0.9346697926521301, "token_count": 174, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__270133450", "lang": "en", "text": "Redland is helping to add a banking option to the thriving Central Park community in Highlands Ranch, as the construction of Ent Credit Union recently broke ground.\nEnt Credit Union is a community credit union founded in Colorado Springs in 1957. Their member-centric approach has elevated them to one of the leading credit unions in the Front Range. This new branch building will include drive-up service and will be the first full-service location in Highlands Ranch\nRedland is proud to have provided landscape architecture, civil engineering, and entitlement services for Ent Credit Union, and project architect, Keys + Lauer Architects.\nWithin the Central Park community, Redland is working for the owner, Shea Properties, for the retail/restaurant development and the park element, totaling approximately 14 acres. We are proud to be providing civil engineering, entitlement, and planning services for this project.", "domain": "finance"}
{"url": "http://44.238.164.233/faqs/", "date": "2022-12-01T10:50:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710808.72/warc/CC-MAIN-20221201085558-20221201115558-00130.warc.gz", "language_score": 0.9400249123573303, "token_count": 691, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__54474326", "lang": "en", "text": "What does “Forever Pricing” Mean?\nOnce you sign up for one of the DonorHQ programs, your pricing will be locked in for the lifetime of the account! We will never raise the price or add any fees, your price is forever!\nDo I need servers or and IT staff?\nWe run all of software on the Amazon Cloud (AWS) where uptime and security is the highest priority. You will benefit from a data center and network architecture built to meet the requirements of the most security-sensitive organizations and most reliable uptime in the industry. Our engineers maintain all of the infrastructure and software so you don’t have to, ever!\nHow do I pay for subscription services?\nWe believe in complete transparency, no quotes and no sales people! All of our services are self-service on our website, you can checkout and join whenever you want!\nAre there any contracts?\nWe have no contracts or proposals. We break pricing down on a monthly cloud subscription model, but bill annually upon checkout. We have found that our software platform(s) are most effective when our customers committed to using it, but you have no penalties for leaving whenever you want.\nAre there any setup fees?\nZERO – Simplicity and intuitive design is our goal, so we have built a platform that anyone can walk himself or herself though. We have also created and invested in both interactive guides to walk you through any questions, an online knowledge base and industry client service managers (CSM) ready to help!\nCan I buy by the modules and upgrade later?\nCorrect, you can buy individual modules or upgrade to the full DonorHQ platform with in-platform self-upgrades!\nWhat exactly is the platform fee?\nOur platform fees are used to fund our security initiates to ensure all your data is safe for both your organization and donors.\nDo you hold credit card information?\nWe collaborate with Stripe as our premier payment processor, so we as an company NEVER hold any financial information. In addition, data is passed straight through securely in the background right to our processor. Stripe has been audited by a PCI-certified auditor and is certified to PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry.\nAre the credit cards and payments encrypted?\nAll card numbers are encrypted at rest with AES-256. Decryption keys are stored on separate machines. None of the internal servers and daemons are able to obtain plaintext card numbers; instead, they can just request that cards be sent to a service provider on a static whitelist. Stripe’s infrastructure for storing, decrypting, and transmitting card numbers runs in separate hosting infrastructure, and doesn’t share any credentials with Stripe’s primary services (API, website, etc.).\nHow safe are your software services?\nWe encrypt your data using 256-bit AES encryption, also known as AES-256, one of the strongest block ciphers available. Although nothing is completely fail safe, we have invested in highest standards to make sure you and your data are safe!\nIn which countries can I shop online?\nAlthough we hate to see anyone leave, we understand if it’s time to go. Do not worry, we purge all data once an organization has elected to not continue.", "domain": "finance"}
{"url": "https://www.metaboliclondon.com/terms", "date": "2018-05-21T14:35:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794864405.39/warc/CC-MAIN-20180521142238-20180521162238-00624.warc.gz", "language_score": 0.9398542642593384, "token_count": 1056, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__171206768", "lang": "en", "text": "Metabolic London Terms & Conditions\n1. The terms and conditions apply to 100 Club Founder Membership, Monthly Unlimited and Corporate Membership options. Membership will commence from the date of payment and will recur on a monthly basis. You can cancel your membership after the initial 3 month period by giving us a minimum of 1 months notice. Your membership will be cancelled after your next payment. For example, if your membership renews on the 25th of each month and you give notice on April 10th (or any point between March 25th and April 24th), we will take one final payment on April 25th and your membership and access to the gym will end on May 25th.\n2. If you are paying by direct debit, your signature on the credit-card or debit-card form authorises us to use that card to take the monthly payment if we do not receive your direct-debit payment for any reason. If you fall behind with your membership fees and this is not caused by a bank error, we may charge reasonable administration fees or suspend or cancel your membership and we may pass your details to a debt-collection company to recover any outstanding payments.\n3. We may decide to increase our membership fees, but your fees will not increase in your initial term of membership (unless you do not provide ID for a membership type that requires it). We will give you one month’s notice of any fee change. If you pay your membership fees as a lump-sum payment, we will only review your membership fees when your membership is due for renewal.\n4. You can cancel your membership within 14 days of joining and we will refund any membership fees you have paid as long as we receive your cancellation notice within this time frame.\n5. If you pay your membership fees upfront in one single lump sum, your membership will automatically end at the end of the initial term unless you choose to renew it.\n6. If you pay your membership fees monthly by direct debit, your membership will automatically continue at the end of the initial term unless you give us one full calendar month’s notice to end it. (You can give one month’s calendar notice to end your contract on the last day of the initial term.) If your contract rolls over after the initial term, you can end your membership by giving us one full calendar month’s notice. You must pay your full membership rate during your month’s notice. Example: You give notice to end your membership contract on any day in April, but your full calendar month’s notice will not start until 1 May and you will leave on 31 May (your final payment will be for the month of May).\n7. You can ask to cancel your membership and give us notice by providing your membership details: in person, by calling 07801 271 642, or by emailing firstname.lastname@example.org. We will send or give you confirmation once we have processed your cancellation. This could be by email or letter, depending on how you tell us you want to cancel your membership. Please tell us if you do not receive this. You are responsible for cancelling your direct debit once we have processed your cancellation and any payments relating to notice periods have been taken. We are entitled to keep any membership fees we receive if you have not cancelled your direct debit instruction with your bank and you have not given us valid notice to cancel your membership.\n8. You can also cancel your membership if we seriously break these terms and conditions. We can cancel your membership if: you have seriously broken any terms of this contract; you do not pay any fee or charge within seven days of the date it was due, and we have written to you and given you a further 14 days to pay (so the fee or charge is more than 21 days late); If the gym permanently closes we will refund any membership fees you have paid upfront for a period of membership that has not yet been completed, or for any other reason if we consider it necessary to end your contract.\n9. Our staff, agents and subcontractors are not medically qualified so if you have any doubts about your fitness or capability to exercise, we strongly recommend that you get advice from a doctor first. For safety reasons, you are responsible for correctly using all club facilities and reading club signs, and agree to keep to the conditions in the Health Commitment Statement, which is available at the front desk.\n10. We will not be liable to you for any loss, damage or theft of any property you bring onto our premises which happens while the property is not locked away in a locker. The maximum compensation we will pay for any loss, damage or theft to property is limited to a total amount of £500 (for any one incident) if the loss, damage or theft is caused by the negligence of Metabolic London.\n11. Late cancellation of classes and the 12 hour cancellation rule. If members have booked a class and fail to show up - you will be charged £9 automatically from your account. All members are entitled to change their bookings more than 12 hours from the start of the class, however cancellation / no show within the 12 hours will incur a charge.", "domain": "finance"}
{"url": "https://www.holytrinityhartford.org/online-giving", "date": "2023-06-09T18:01:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224656788.77/warc/CC-MAIN-20230609164851-20230609194851-00693.warc.gz", "language_score": 0.9236975312232971, "token_count": 962, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__214130980", "lang": "en", "text": "Holy Trinity Church offers online giving!\nOur Sunday Visitor has been chosen as our Online Giving provider. Our Sunday Visitor serves millions of Catholics worldwide through its publishing, offertory and communication services. Established in 1912 by a local parish priest, Our Sunday Visitor has grown into the nation's largest supplier of offering envelopes, parish and diocesan mailings, books, periodicals, curriculum, address management and stewardship services.\nOnline Giving costs you nothing and provides many advantages to you and the church! Click here to register now, or keep reading to learn more about the benefits...\nBenefits for You\n- No check writing or ATM stops before church\n- Safe, secure, and confidential\n- Use your checking, savings, or credit card\n- Schedule recurring or one-time donations\n- Change a gift or account any time you like\n- Choose offertory, special funds, pledges\n- Earn rewards through your credit card\nBenefits for Holy Trinity Church\n- Reduces check processing fees\n- Allows staff more time to focus on ministries\n- Creates peace in knowing your data and auto-deposited gifts are secure\n- Accommodates special funds and tuition\n- Provides giving history for tax statements\n- Reaches a wider demographic of givers\nFrequently Asked Questions About Online Giving\nIs Online Giving Safe?\nOnline Giving meets the highest banking-level security standards set forth by the Payment Card Industry (PCI) to ensure safe and confidential transactions. In fact, your banking information is encrypted in the system and is not accessible to any users or administrators of the Online Giving system.\nWhen you manage your own account information, your parish never needs to handle checks or worry about locking up documents containing your account information. And you'll always be certain that your gifts are direct-deposited into your parish's account.\nWhat are the advantages of Online Giving?\nIt makes it easy to give, even when you are unable to attend church. You never have to bring cash or checks to church. Giving electronically also helps the parish save money and plan its budget!\nHow are my contributions automatically deducted from my account?\nOnce you complete the online registration form, the contribution amount you specify will automatically be transferred from your bank account to the parish's bank account.\nWhen will my contribution be deducted from my account?\nYour electronic contribution will be debited on the date you specify on the \"My Gifts\" page of the Online Giving system.\nIf I do not write checks, how do I keep my checkbook balance straight?\nSince your contribution is made at a pre-established time, you simply record it in your check register on the appropriate date. Electronic contributions are recorded for you on your bank statement as well as your online reports.\nWithout a canceled check, how can I prove I made my contribution?\nYour bank statement and the Online Giving system both provide reports that document your electronic transactions.\nCan I put different amounts in offerings and have all of them withdrawn at different times?\nYou can contribute to different offerings at different times; however, you will have to do each one separately. You will receive a receipt for each one.\nWhat if I change bank accounts?\nLog in and update your account information in the My Payment Schedule window. Each checking/savings/credit card can be changed using the edit button, deleted completely, or new accounts can be added on the right side of the screen.\nHow much does Online Giving cost?\nIt costs you absolutely nothing!\nWhat if I try Online Giving and don't like it?\nYou can cancel your authorization by deleting your accounts and donation dates at any time.\nHow do I sign up for Online Giving?\n- Visit your parish website\n- Click on the Online Giving link\n- Complete the registration form\nIt's that simple!\nFor additional information or help setting up your account please contact the parish office at 860-246-4162.\nClick here to enroll in online giving.\nFor Your INFORMATION: Contributions and tax requirements\nWe thank our parishioners for their faithful support of our parish, their support of the monthly parish debt payment, their support of our various parish projects and activities, and their support of the special collections. By law parishioners who itemize deductions for income tax purposes must have bank records or receipts from the parish in order to deduct contributions to the parish on their tax return. In order for the parish to be able to provide a parishioner with the required receipt, parishioners are encouraged to use parish envelopes or online giving. As an alternative, using a check to make weekly contributions will provide the parishioner with the required documentation.", "domain": "finance"}
{"url": "http://www.urbaneconomics.com/", "date": "2017-02-22T13:28:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170992.17/warc/CC-MAIN-20170219104610-00156-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.906573474407196, "token_count": 222, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__51909240", "lang": "en", "text": "“The key to our consistent record of success is a truly unique combination of authoritative expertise and ability to transform complex data into actionable strategies.”\nUnmatched expertise. Exceptional results.\nUrban Economics is a nationally recognized resource for real estate appraisals, property tax challenges and real property consulting services. The firm incorporates the power of advanced GIS mapping technology to provide leading-edge real estate research, market analysis and litigation support for the industry’s most demanding clients.\nRespected real estate appraiser and expert witness Michael McElveen and his team leverage a unique combination of GIS-based real estate data, micro economics expertise and litigation support to provide clients with a fully-integrated suite of 360º solutions.\nThe Tampa, Florida-based firm is an industry-leading provider of strategic real estate transaction, asset management and workout solutions, as well as property taxation, eminent domain and expert witness services. Advising institutional and private investors, Urban Economics has an incomparable track record of delivering results for even the most complex challenges in a rapidly evolving real estate market.", "domain": "finance"}
{"url": "https://www.laurasteward.com/173-kateri-ruiz-maia-community-20-month-37-7-million-in-one-year.html", "date": "2023-10-02T22:29:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511021.4/warc/CC-MAIN-20231002200740-20231002230740-00020.warc.gz", "language_score": 0.9725837707519531, "token_count": 395, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__10786649", "lang": "en", "text": "Did you know that if each woman in America spent $20/month at a woman owned business that would put $37.7 billion into the hands of women-owned business? That amount is more than all the venture capital given to women-owned businesses in 2017. Crazy isn’t it?!\nMy guest is making it easier for you to spend that $20/month. She has created MAIA.community. A directory website with profiles of currently over 700,000 women owned businesses.\nRather than just give lip service to supporting women Kateri Ruiz has devoted her business to growing women owned businesses.\nTake a listen as we talk about how she decided to create her business after declaring she sold her soul in corporate life.\nAt MAIA, our mission is to change the status quo on gender equality at the highest levels of leadership. We are women-conscious consumers and we’re creating the first free access searchable platform of woman-owned businesses in the United States, 13 million and counting. As the CEO of your life, does your purchasing power align with your values?\nMy personal challenge is 83% – 5 out of 6 people in my household are female. 83% of our household spending will go to women-owned companies, and women-created ventures. When women are involved equally at the highest levels of leadership, where we ideate, create and make decisions, we have the potential for our products, our services, and solutions to truly represent all of us.\nIf each female in the U.S. spent $20 a month at a woman-owned business for 1 year, they would drive $37.7 billion more to women-owned companies than all Venture Capital funding did in 2017. Your money matters, use it to make a difference!\nI also sold my soul for corporate America for 17 years. I had full P&L responsibility of $42M. website: maia.community", "domain": "finance"}
{"url": "http://www.cinematographerx.com/finance-how-i-purchase-expensive-equipment/", "date": "2021-01-17T08:43:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703511903.11/warc/CC-MAIN-20210117081748-20210117111748-00432.warc.gz", "language_score": 0.9816145300865173, "token_count": 1607, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__39498621", "lang": "en", "text": "Disclaimer: I am not a financial advisor or business expert and this article isn’t intended as a guide for your specific financial or business situation. It is a recounting of my experience and my opinions on the subject on what has worked for me. For advice about your financial or business decisions, please contact a qualified financial advisor or a trusted business mentor.\nI want to start this post by acknowledging that I am not wealthy, nor do I come from a wealthy family. I am working towards becoming financially free at some point in my future, but I still have to work on a fairly consistent basis to earn income. With that said – there can be a disconnect with people understanding how I still need to work but own what most people would consider very expensive equipment.\nWhen I was first starting out, I had never even dreamed of owning a camera that essentially costs the same as a mid sized car. I once had a hard time wrapping my head around spending more than $200 on a camera. Over the years, I was continually exposed to camera gear pricing and became less shocked at prices. Sometimes I’m brought back to reality when I speak to beginners who have trouble justifying the cost of camera gear.\nTherefore, the goal of this article is to take beginners through the process and mindset I’ve gone through over the years to afford higher priced equipment as I progress to each new level.\nBefore I get too much into the details of this topic, here is the perspective in which I am writing from:\n- I do not have a trust fund from my family nor have I received any significant financial inheritances.\n- All of the major equipment purchases I’ve made have been with money that I’ve worked and saved for.\n- Large ticket items I couldn’t afford with savings I’ve put on credit cards and paid off over time.\nWorking your way up\nWhen one begins to work at the professional level in your field, some tools of the trade can be very expensive. Sometimes, there is a big difference between a professional tool and a hobbyist tool. Other times, there are minor differences that make a big difference over time (comfort, durability, build quality, etc). Whatever the case, professional tools such as camera equipment, can get very expensive when you get to the higher tiers.\nI’ve gotten the question “How did you afford that?” or comments like “Wow you have that camera/lens/etc? You must be doing well.” or “That’s really expensive” with wide open eyes. It’s easier to understand when you see the mechanics of how expensive equipment is purchased and paid off – that often people just aren’t successful out of nowhere and that owning expensive items such as equipment came from a lot of hard work.\nI grew up in a middle class family where both parents worked full time. I think my father single handedly brought our immediate family out of the lower class existence he grew up in so I need to acknowledge him for that – thanks dad. Although I am only child and my parents did a great job of not making me feel like money was a big issue, I still remember my parents intensely discussing and arguing about the state of financial affairs, savings, etc.\n6 years ago I was in the same boat with similar questions and comments that most people have when they haven’t invested into high end equipment for whatever reason. I never thought in my wildest dreams that I would come to own a RED camera. When I looked at the price tag compared to my Canon t3i at the time, it didn’t even register as a reality. Why would I spend more money on a camera than I can get a car for?\nI did not work on large sets when I was first starting out. Because of this, I did not have access to these higher end tools. Later I came to find some of my favorite fashion photographers and directors were shooting on RED, so I eventually became interested in the camera platform. Once I decided I wanted to own one, I looked for ways of how to obtain one.\nI think making a decision is the first important step; once your mind has decided on something, the problem then becomes ‘how do I achieve this’ instead of ‘I’ll never be able to afford that’. Whatever your priority is, your mind will focus on.\nOver the course of the next two years I saved money. Combined with the small savings I had from work, I was able to purchase a used Scarlet-MX. It was the lowest end model I could afford, from a student who was selling it at a really low price to fund other things. I was lucky with my find, as I wouldn’t have been able to afford a brand new model without going into debt. It was more than just about buying the equipment – it was a gateway for me to understand the best way for me to save and get over the mental barrier of a high cost item, but also being financially responsible and not go into debt.\nHow to afford an expensive camera/lenses/etc\nHere are the steps I use to purchase camera equipment:\n- I decide I am going to buy something.\n- I take a look at my current finances. Do I have enough saved up? If it negatively will affect my savings or my ability to have a rainy day fund, I will look into 0% APR credit cards. I’ve found that if I can pay my debt off in 15-18 months, I can essentially have no interest on it. I do not take out loans if I can avoid it, since I do not like paying interest on things.\n- If I cannot afford what I want after taking account of my finances and my credit cards, keep working until I am financially ready to afford it. By that point, usually 1-2 years later depending on my saving habits, I will be ready to purchase either through savings or credit. However I’ve found that I may have grown out of my desire to own the thing I wanted. Then I have enough for the next thing that comes along without having to work so hard towards it.\nThere have been a lot of things I’ve wanted to buy but simply didn’t because I did not want to put myself in a precarious financial situation. I would love to buy a fully loaded, $80k brand new Alexa Mini on a loan. However, in order for me to pay it back in a timely manner, I would have to rent my camera out frequently on projects that I am not working on. I’m not interested in maintenance and dealing with pickups and drop offs, and I do not want to be paying back a loan with interest for 2+ years by not using additional rental income to pay the camera off. Typically, I purchase items I can pay back within an interest free 15-18 month period.\nDon’t let the gear define you\nAlthough owning gear can be lucrative, here’s something to think about: Some very successful cinematographers I know in their 20s and 30s do not own and never have owned major camera equipment. They started out renting and rent now. If something is currently out of reach for you financially, there are other creative ways of making great images, and people are out there proving it every day.\nAs a cinematographer I’ve always had a camera for personal projects as well as work projects. The size/price/etc of the camera may go down in the near future to not have to worry about figuring out a financial strategy for myself; but until then I’ve found a combination of saving and using 0% APR credit cards the best method for me to finance these items.", "domain": "finance"}
{"url": "http://totalhorsechannel.com/getting-insurance-for-your-horse/", "date": "2020-07-10T16:49:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655911092.63/warc/CC-MAIN-20200710144305-20200710174305-00177.warc.gz", "language_score": 0.9469472169876099, "token_count": 287, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__219693414", "lang": "en", "text": "Insurance for Your Horse\nThis comprehensive policy reimburses you in the event of the death of your insured horse resulting from an accident, sickness or disease sustained during the annual policy term. This policy also provides coverage if an insured horse requires euthanasia, as recommended by your veterinarian and agreed to by the insurance company, to prevent excess or continued suffering due to an incurable injury or terminal disease. Limited theft protection is included offering protection if the insured animal is stolen and dies as a result.\nYour mortality policy will provide coverage while your insured horse is stabled in the United States or Canada including during transportation throughout. The territorial limits of your policy can be extended to include many foreign countries. Prior notification and acceptance by the insurance company is required to provide transit coverage outside of the US and Canada. This is a very important consideration if you are purchasing a horse from another country, or one who will be traveling worldwide.\nYou will always want to notify your agent or assigned claims adjuster of any illness or injury requiring veterinary care and prior to any surgery even if elective-type surgery.\nFailure to give proper notice of any claim or prior to any surgery (unless required to save the animal’s life) could jeopardize your insurance coverage.\nInsurance Policy Requirements\nThe insurance company has specific requirements for placing insurance on your horse. Once these requirements are met, we will be able to immediately provide coverage. Learn More", "domain": "finance"}
{"url": "https://staging.scrt.network/ecosystem/funding", "date": "2022-06-26T01:57:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103036363.5/warc/CC-MAIN-20220626010644-20220626040644-00116.warc.gz", "language_score": 0.870351254940033, "token_count": 556, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__1599782", "lang": "en", "text": "Build bigger with our $225M+ fund\nGet long-term financial and strategic support to build on Secret Network, provided by leading investors in the field.\nWhy build on Secret?\nMake an Impact\nBuild applications that can’t be built elsewhere using private data on-chain—from finance to gaming to communication tools.\nHave interoperability built-in\nWith Cosmos IBC integrated plus bridges to 4+ ecosystems (and counting), apps built on Secret Network can be used all across Web3.\nAccess our thriving user base\nTap into Secret Network’s bustling ecosystem with 100,000+ users, over 50 applications, and billions of dollars in historical volume.\nJoin a first mover\nOur privacy-preserving smart contracts have been live on mainnet since 2020, and we’ve been racing ever since.\nBacked by top industry investors\n“DeFiance is excited to support Secret Network, the only privacy-by-default smart contract blockchain that enables groundbreaking technologies like front-run resistant DEXes, Secret NFTs, and more. The Secret team has been relentless in working towards their mission since Enigma and we think that the ecosystem is now ready to tackle the next phase of growth.”\n“Secret Network is the first mover and market leader in solving what is still a core need for Web3: data privacy for applications. We are excited to become supporters of the Secret ecosystem and look forward to helping accelerate its global growth across all verticals and aspects.”\n“The availability of readily scalable, provable, and compliant privacy technology is an integral component of mass-market consumer-friendly Web3 applications. CoinFund is proud to support Secret Network in its mission to enable and accelerate trust-minimized privacy within the composable base layer.”\nGet ready to go big\nApply for our Ecosystem Fund and get the financial and strategic support you need to seriously scale your project.APPLY FOR FUNDING\nLooking for early stage support?\nYou can also apply for one of our grants to get your Secret project off the ground.GET A GRANT\nInstall a wallet, get SCRT, and stake it to earn rewards while securing the network.Get SCRT\nBuild on Secret\nRead the official documentation on Secret contracts, clients, protocols, and more.START DEVELOPING\nJoin the Community\nJoin our community of privacy pioneers to create a better, more empowering web.BECOME A SECRET AGENT", "domain": "finance"}
{"url": "https://www.dcinternships.org/costs-scholarships/", "date": "2023-06-04T04:23:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649439.65/warc/CC-MAIN-20230604025306-20230604055306-00061.warc.gz", "language_score": 0.9415497779846191, "token_count": 2253, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__76967360", "lang": "en", "text": "The costs associated with our program cover tuition at George Mason University and furnished housing in downtown Washington, D.C.\nThe additional benefits of our comprehensive program, including an internship placement, guest lectures, networking events, professional seminars and site briefings add value beyond just the classes and housing. The experience, knowledge and contacts you will gain by participating in a TFAS program will be valuable assets and can increase your earning potential in the job market.\nAs an educational nonprofit organization, we strive to provide as much scholarship funding to as many qualified and deserving students as possible. 85% of students attending TFAS programs are on full or partial awards based on merit and/or need. You’ll see the full costs listed below, but keep in mind that the majority of students receive scholarship funding to help cover a portion of the costs.\nScholarship Funding Overview\nAwards for the summer tend to range from $1,000 -$5,000 and $2,000 –$7,000 in the semester, with the highest awards going to students with the highest degree of need and merit. Please see the Admissions page for details on how to apply for a scholarship with your application.\nIn addition to the partial scholarships available through our general scholarship fund, we have a number of special full scholarship opportunities open to students meeting certain criteria or focuses of study.\n“Before coming to Washington, D.C, I was struggling to choose whether to accept this opportunity due to financial reasons. Thanks to my scholarship, I have gained an unforgettable experience, and I have TFAS to thank for helping me take full advantage of this opportunity!”\nAnthony Bonini, University of Redlands Intern, Aspira Association Inc.\nProgram Costs + Full Scholarships\nDetails on the summer and semester program costs as well as full scholarship opportunities are found below. Please click through all tabs to learn more about each category of full scholarship after reading the overview.\nStudents are required to take a 3-credit core class and may choose to enroll in an additional elective class for up to 6 credits in total. There are two housing options offered.\n3-Credit Option: $8,250\nTuition + Housing in Affinity Units for 8 weeks\n6-credit Option: $9,450\nTuition + Housing in Affinity Units for 8 weeks\nA non-refundable deposit of $750 (deducted from tuition balance) is due at the time of enrollment (generally within 3 weeks of acceptance). The remainder of the tuition balance is due May 1.\nEstimate of living costs for the summer (actual costs will vary and are not included in the program costs):\nBooks and supplies: $200\nFood: $1,000 (depending on personal preferences)\nTransportation around Washington: $350 (Metro train and bus fare)\nPersonal expenses: $250 (Entertainment, etc.)\nTransportation to Washington: Based on distance from Washington and type of travel\nIn addition to a pool of full scholarships that are open to any undergraduate studying in the United States, TFAS has multiple full scholarships restricted by geographical region, school of enrollment, or focus area.\nUnless otherwise noted, the scholarships outlined on this page are open to students applying to and attending the following summer program tracks:\nPublic Policy + Economics\nJournalism + Communication\nBusiness + Government Relations\nAll students receiving a full scholarship must enroll in 6 credits, including an economics and elective course of their choice.\nSelect full scholarships are available to applicants to the Leadership + the American Presidency program track. The Reagan Institute administers these awards. Please contact email@example.com to learn more.\nHow to Apply\nComplete the Full Scholarship application within the online application.\nFull scholarships are merit-based and will be reviewed and awarded on a rolling basis beginning at the December 6 Early Deadline.\nAny student not selected for a full scholarship will be considered for a partial award from the general scholarship fund if the General Scholarship application was completed. Partial awards are based on a combination of financial need and merit.\nScholarship awards are made at the time of admission.\nFull Scholarships: Regional + School Specific\nThe following full scholarships are open to students from the region or university/college noted in the description. Please see the Full Scholarship Overview tab for further application details.\nThis scholarship is open to a student attending Amherst College (Massachusetts).\nThere are 2 full scholarships available to students attending Bucknell University (Pennsylvania).\nThis scholarship is open to students from or attending college in the Houston, Texas area.\nThis scholarship is open to students attending Southern Methodist University in Texas.\nThis scholarship fund is open to students attending college in Western Texas. Special preference is given to students of Abilene Christian University, Hardin-Simmons University and McMurry University.\nThis scholarship is named for Senator Richard Lugar and is open to students attending colleges and universities in Indiana.\nThis scholarship is open to a student attending Mt. Holyoke College (Massachusetts) or Wesleyan University (Connecticut).\nSponsored by the DeJoy Wos Family Foundation, this scholarship fund will provide at least 12 full scholarships to students from or attending college in North Carolina.\nThis scholarship is open to a student attending Stetson University (Florida).\nThis scholarship is open to students attending Tufts University (Massachusetts).\nThis scholarship opportunity is open to a student attending Western Michigan University (Michigan).\nFull Scholarships: International Students\nWe have several special scholarships/partnerships available for students from specific countries. Admission of international students studying outside of the U.S. will be limited to applications from the following scholarships.\nPlease see the Full Scholarship Overview tab for further application details.\nThis full scholarship is available to several students from Hungary in both the summer and spring semester.\nThrough the generosity of the Hungary Foundation, full scholarships along with a generous living expense stipend are provided. Interested applicants should visit HF’s website for more information about the fellowship and apply on TFAS’ website by the noted deadlines.\nThrough this scholarship fund, TFAS is able to provide a full scholarship plus a generous travel and living expense stipend to a student from Poland to attend one of the summer program.\nThrough the generosity of the Netherland-America Foundation, 4-5 full scholarships will be provided to students from the Netherlands to attend the summer program.\nThrough this scholarship named in honor of George Viksnins, a long-time and beloved TFAS economics professor, a full scholarship is offered to 1 Latvian student to attend the summer program.\nThrough the generosity of the DeJpoy Wos Family Foundation, 1 full scholarship along with a generous travel stipend is offered to 1 Estonian student to attend the summer program.\nTopical Fellowships – U.S.-based Students\nThe following full fellowships are open to students interested in the topic of focus. Each fellowship provides a full scholarship. Please see the Full Scholarship Overview tab for further application details.\nAt least 10 full scholarships are available to students with a demonstrated interest in studying and pursuing a career in defense and national security. This scholarship opportunity is open to students who are applying to and admitted into the International Affairs track.\nThis scholarship opportunity will provide full scholarships to at least 10 students involved in the liberty movement. Several fellowships are reserved for students attending college or university in Arizona.\nThis fellowship is open to students enrolled in the Business + Government Relations program track and provides 4 students with a full scholarship that covers 6-credits, housing and program fees, along with a $1,000 stipend. Students will be given the opportunity to apply for this fellowship upon enrollment in the program. Applicants will be asked to submit several additional short essay prompts.\nThe fellowship is open to students with experience or interest in information technology, computer science and public policy. Fellows will be interning in the government affairs offices of one of the following technology organizations:\nTechnology CEO Council\nComputing Research Association\nIntern supervisors provide mentoring, hands-on experience and valuable high-tech public policy training. Fellows have an opportunity to observe the development and advocacy of significant policy issues in Congress, the Administration and industry associations. They also have the opportunity to participate in projects of their own, focusing on current critical issues facing the tech sector.\nOne of the fellowships is named to honor the memory of Thurmond Woodard, Dell’s former vice president of global diversity and the chief ethics, privacy and compliance officer. Applicants interested in this fellowship will submit an additional essay prompt on diversity and ethics. The selected fellow will intern at Dell for the summer.\nPartner Organization Scholarships\nTFAS partners with a number of organizations to provide full scholarships to attend the summer programs. Please see the Full Scholarship Overview tab for further application details.\n6 full scholarships are open to students with confirmed State Department internships. These students will enroll in the International Affairs track and receive mentorship from members of the Council of American Ambassadors. An invitation to apply for the fellowship will be sent to all eligible State Department interns. Interested applicants should apply directly to the State Department’s internship program.\nFull and partial scholarships are available to alumni of the Foundation for Teaching Economics (FTE) summer programs.\nThis scholarship opportunity is open to students who are receiving a Sumners Foundation scholarship at an identified university. Interested applicants should email Mary Stankus to notify her of their intent to apply.\n4 full scholarships will be awarded to cadets of the U.S. Air Force Academy annually. Interested cadets should contact the academy directly for application instructions.\nOther Sources of Funding\nWhile 85% of students receive scholarship support from TFAS, including some full awards, most students will have a remaining balance due. It is important to think about how you will fund your Washington experience early in the application process.\nWe encourage you to take the following steps:\nTalk with your parents, guardians and other family members about their ability to contribute to your participation in the program.\nResearch scholarship opportunities on your campus and in your community, including the honors college, academic departments or other offices that offer scholarships for enrichment programs. Community organizations such as the Rotary Club and churches often assist students in financing their DC experience.\nMeet with the financial aid office at your home university to discuss the possibility of transferring any federal aid to a summer or semester of study. Aid may be transferred through a consortium agreement. A consortium agreement is a form that allows one academic institution to verify the credit hours and costs of another academic program before a transfer of funds can occur.\nYour TFAS admissions counselor will also serve as your tuition payment counselor as you research additional funding opportunities. Questions regarding consortium agreements, transferring aid and applying for educational loans may be directed to these staff members and firstname.lastname@example.org.", "domain": "finance"}
{"url": "http://uresinc.com/about-us", "date": "2019-06-17T03:34:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998369.29/warc/CC-MAIN-20190617022938-20190617044938-00120.warc.gz", "language_score": 0.9349544644355774, "token_count": 286, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__135912866", "lang": "en", "text": "To provide a fully electronic “One-Stop” shopping approach for real estate services that enables our clients to make sound loan decisions. We are dedicated to maintaining our current edge in turnaround time and quality; continually striving to meet or better your expectations. From application to approval, our goal is to be your professional solution.\nFor over 20 Years, Universal Real Estate Services strives to provide financial institutions a one-stop NATIONWIDE resource for their lending needs. These services include Title and Settlement, Instant Flood Certifications, property searches and APPRAISAL SERVICES. Universal’s cost effective and timely appraisal services include all recognized appraisal forms as well as Instant AVMs and Broker Price Opinions.\nWith over 3,000 licensed and certified professional appraisers, Universal provides your institution with local market expertise, complete geographic coverage and unmatched customer service. Each of our clients is assigned at least two Universal in-house processors to provide continual updated status information to get your deals done promptly. Factor in on-line tracking and 100% electronic transmission of your reports and you will understand why we are confident when we say: From Application to Settlement, Universal IS your answer.\nWe at Universal are confident we can exceed your vendor expectations and assist you in reaching your lending goals. Universal views our association with our clients as a partnership and we look forward to that same partnership with your institution. Your consideration is greatly appreciated!", "domain": "finance"}
{"url": "https://rayban-australia.com/properties/", "date": "2024-02-24T12:24:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474533.12/warc/CC-MAIN-20240224112548-20240224142548-00472.warc.gz", "language_score": 0.9330723285675049, "token_count": 1419, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__197735484", "lang": "en", "text": "When it comes to the world of real estate, the term “properties” is a common buzzword. Whether you’re a seasoned investor, a first-time homebuyer, or simply curious about the housing market, understanding the concept of properties is essential. In this article, we will delve into the fascinating world of properties, exploring their different types, values, and the factors that affect them. So, let’s get started on this exciting journey!\nWhat are Properties?\nProperties, in the context of real estate, refer to land and any structures or improvements on that land. They can include residential homes, commercial buildings, vacant land, farms, and even natural resources like oil or mineral deposits. Essentially, properties are tangible assets that can be bought, sold, rented, or leased.\nTypes of Properties\nProperties can be broadly categorized into four main types:\n- Residential Properties: These are properties primarily used for housing purposes. They include single-family homes, apartments, condominiums, townhouses, and vacation homes. Residential properties are typically owned by individuals or families who either live in them or rent them out to tenants.\n- Commercial Properties: Commercial properties are used for business purposes. They can include office buildings, retail stores, warehouses, industrial facilities, and hotels. Commercial properties are often owned by corporations, real estate investment trusts (REITs), or individual investors who lease them out to businesses.\n- Industrial Properties: Industrial properties are specifically designed for manufacturing, production, or distribution activities. They can encompass factories, warehouses, distribution centers, and storage facilities. Industrial properties are usually owned by companies engaged in industrial operations or by investors looking to generate rental income.\n- Land and Agricultural Properties: Land and agricultural properties include undeveloped land, farmland, ranches, and vineyards. These properties are primarily used for agricultural purposes, such as crop cultivation, livestock farming, or viticulture. Investors may also purchase land for future development or speculation purposes.\nFactors Affecting Property Values\nNow that we understand the different types of properties, let’s explore the factors that influence their values:\n- Location: The location of a property is one of the most critical factors affecting its value. Properties situated in desirable neighborhoods with good schools, amenities, and proximity to transportation tend to command higher prices. On the other hand, properties in less desirable areas or those facing environmental issues may have lower values.\n- Supply and Demand: The law of supply and demand plays a significant role in determining property values. When the demand for properties exceeds the supply, prices tend to rise. Conversely, when the supply outweighs the demand, prices may decline. Economic factors, population growth, and market conditions can all influence the supply-demand dynamics.\n- Property Condition: The condition of a property, including its age, maintenance, and renovations, affects its value. Well-maintained properties with modern amenities and upgrades generally have higher values. Buyers and tenants are willing to pay a premium for move-in ready properties that require minimal repairs or renovations.\n- Economic Factors: The overall state of the economy, including factors like interest rates, employment rates, and inflation, can impact property values. During times of economic growth and low interest rates, property values tend to rise. Conversely, during recessions or periods of high interest rates, property values may decline.\n- Property Size and Features: The size of a property, both land and building, can influence its value. Larger properties typically command higher prices. Additionally, unique features like swimming pools, outdoor spaces, or scenic views can add value to a property.\nThe Importance of Understanding Properties\nWhy is it crucial to understand properties, you might ask? Well, whether you’re buying, selling, renting, or investing in real estate, having a solid understanding of properties can provide you with several advantages:\n- Confident Decision-Making: When you understand properties and the factors that affect their values, you can make more informed decisions. Whether you’re deciding on the right property to buy or determining the right price to sell, your knowledge will empower you to make confident choices.\n- Identifying Investment Opportunities: Real estate can be a lucrative investment avenue. By understanding properties, you can identify investment opportunities that align with your financial goals. You can analyze market trends, assess potential rental yields, and make calculated investment decisions.\n- Negotiating Power: Armed with knowledge about properties, you can negotiate better deals. Whether you’re negotiating the purchase price, rental terms, or lease agreements, your understanding of property values and market conditions gives you an edge in negotiations.\n- Protecting Your Interests: Understanding properties also helps you protect your interests as a property owner or tenant. Being aware of your rights and obligations, as well as the legal aspects of property transactions, ensures that you are safeguarded and can mitigate potential risks.\nLet’s bring the concept of properties to life with a few real-life examples:\nExample 1: Sarah is looking to buy her first home. She’s considering two properties in different neighborhoods. Property A is located in a highly sought-after neighborhood with top-rated schools, parks, and easy access to the city center. Property B is situated in a less desirable area with limited amenities and a higher crime rate. Sarah knows that Property A is likely to have a higher value due to its location and positive neighborhood attributes.\nExample 2: Michael is a real estate investor looking to diversify his portfolio. He’s considering investing in either a commercial property or an industrial property. After analyzing market trends and rental yields, Michael realizes that commercial properties in his city are in high demand due to the thriving business sector. On the other hand, industrial properties have lower rental yields but offer long-term stability. Armed with this knowledge, Michael decides to invest in a commercial property to capitalize on the current market conditions.\nExample 3: John is a homeowner who wants to sell his property. He knows that his house is in good condition and has recently undergone renovations. However, he’s unsure about the right price to list his property. John researches similar properties in his neighborhood, assesses the current market conditions, and consults with a real estate agent. With a solid understanding of property values and market trends, John confidently lists his property at a competitive price, attracting multiple interested buyers and ultimately selling it for a higher value.\nProperties are the building blocks of the real estate world. Understanding their different types, values, and the factors that influence them is crucial for anyone involved in real estate transactions. Whether you’re a buyer, seller, investor, or tenant, having a comprehensive understanding of properties empowers you to make informed decisions, identify opportunities, and protect your interests. So, next time you come across the term “properties,” remember the exciting world it represents and the potential it holds.", "domain": "finance"}
{"url": "https://www.tlemarket.com/clnt-taylor", "date": "2021-01-26T14:31:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610704800238.80/warc/CC-MAIN-20210126135838-20210126165838-00295.warc.gz", "language_score": 0.9894542694091797, "token_count": 250, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__169044533", "lang": "en", "text": "Worked with TLE at CaseRev\nReferred TLE to 6+ companies\n\"I have had extensive experience with TLE.market and have been very impressed with their effectiveness in creating qualified leads for companies that sell within the insurance and legal industries. I was originally introduced to their services by a Board Director of a start-up insurance and litigation technology company at which I was in charge of business development. I was initially very skeptical of any third-party's ability to drive interest across our C-suite oriented executive prospect base, particularly because our solution was both complex, difficult to explain, and new to the industry. To my delight, TLE.market not only exceeded their own estimate of how many qualified meetings they could produce for our organization, but they generated a robust pipeline that was core to our growth and ability to secure new funding. I have been sufficiently impressed with TLE.market's performance that I have suggested them to executive colleagues at no less than 6 other companies in the insurance, legal and financial spaces. Each has shared with me how pleased they have been with their services also. In short, I would not hesitate to recommend them to others who are looking to quickly build, expand, or strengthen their sales pipeline.\"", "domain": "finance"}
{"url": "http://blog.ehudadler.com/riddles/2018/11/21/minimizing-gas.html", "date": "2019-11-12T04:36:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496664567.4/warc/CC-MAIN-20191112024224-20191112052224-00358.warc.gz", "language_score": 0.9528450965881348, "token_count": 616, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__61565460", "lang": "en", "text": "Here’s a riddle that I thought about.\nEvery year, 4 months before the start of a new semester each department in Queens College 🏫 releases the schedule of when classes are to be held and which professors will be teaching those classes.\nYou are the chair of the math department. You’ve assigned all but 2 professors to their classes. The two remaining professors can teach any class and both want to be full time employees. In order to be considered a full time professor you need to teach 6 hours a day and atleast one 2 hour class. The problem is that these two professors are married with little kids at home who need to be watched at all times. This means that both professors cannot teach at the same time (Because then nobody would be home). This also means that the moment one of them finishes teaching, they drive home (Luckly they have 2 cars 🚙). The contract you signed with them stipulates that you must pay for gas money incured by driving back and forth during school hours.\n- 2x 2 hours classes\n- 8x 1 hour classes\nthat need professors so you’ll need to divy those classes up among the 2 remaining professors. The way the schedule worked out this semester each of these classes are back-to-back with no breaks.\nYou want to minimize the amount you pay for gas so you want to schedule each professor for as many back-to-back classes as possible, having them switch shifts at home less often. You’d like to do an even split but the order in which the classes will occur is currently unknown and is decided by people not in your control.\nToday is the final day to send the budget to the Budget Office 🏦. You want to add the necessary gas money, $1.00 a trip from the professor’s home to college and each trip requires both of the professors to drive one way ($2.00 total per switch), to the budget but don’t want to request more than necessary. On the other hand you don’t want to request less than necessary because then the gas money will be coming out of your pocket. How much money should you write down per day so that you won’t have to pay out of your pocket but you also wont be asking for more then you need.\nNote: More then you need is anything over the guarenteed minimum, the guarenteed minimum means that although there could be scenarios where you pay less, this is the minimum you’d have to pay in the worst case.\nHere is an example schedule:\n|7am - 8am||8 - 9||9 - 10||10 - 11||11am - 1pm||2 - 3||3 - 4||4 - 6||7 - 8||8 - 9|\n|1hr class||1hr||1hr||1hr||2 hour||1hr||1hr||2 hour||1hr||1hr|", "domain": "finance"}
{"url": "https://thebackstagecentre.com/blog/autumn-statement/", "date": "2024-02-28T05:22:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474697.2/warc/CC-MAIN-20240228044414-20240228074414-00309.warc.gz", "language_score": 0.9337406158447266, "token_count": 716, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__14871116", "lang": "en", "text": "BRITISH CERTIFICATION AND TAX RELIEF\nIn order to qualify for the UK’s creative sector tax reliefs, all films, animation and television programmes or video games must be certified as British through the cultural test or qualify as an official co-production to support the production of film and high-end TV across the UK, further, the government will provide £2.1 million of new funding next year for the British Film Commission and the British Film Institute Certification Unit. Furthermore, the government will review public investment in Research and Development spending for the creative industries to a Spending Review timeframe.\nFind out how to qualify your film, high-end television programme, animation programme, children’s television programme or video game as British.\nFunding information is also accessible via the links.\nHow do you qualify?\nFILM: At the end of the day, your accountant and auditor will need to satisfy the Films (Certification) Regulations 2006 to accompany the application for Final Certification as a British film under Schedule 1 to the Films Act 1985. Read through the BFI’s guidance on the Cultural Test for Film.\nANIMATION: Likewise, there is a very helpful page for the Cultural Test for Animation.\nHere at the Backstage Centre we look forward to working with our clients who can receive further incentives following the Autumn Statement. But, what about the details? And when do these initiatives go ‘live’?\nThe government has published a call for evidence on recent trends in the visual effects industry. This will inform the design of additional tax relief for expenditure on visual effects, which the government intends to deliver through the Audio-Visual Expenditure Credit (AVEC). The government intends to consult on the detailed policy design of further support and intends to implement changes to the expenditure credit from April 2025, which means we are some way away from the fine details.\nThis new approach will also see an extension of uplifted relief for animated television content to include animation films which will be eligible for a 5% uplift in relief under the Audio-Visual Expenditure Credit.\nIn summary, (we do like abbreviations….you won’t be disappointed!)\nThe audio-visual expenditure credit (AVEC) will replace the current film, high-end TV (HETV), animation and children’s TV tax reliefs, while the video games expenditure credit (VGEC) will replace video games tax relief (VGTR).\nUnder the current schemes, relief is given by way of an additional deduction from profits or surrendering a loss for the tax credit. Under AVEC and VGEC, companies will instead receive an above-the-line tax credit based on qualifying expenditures. This will be taxable at the main rate of corporation tax (CT). Whether there are further changes to CT we are yet to learn.\nHowever, it should be noted that the Capital allowances ‘full expensing’ will be made permanent in the Autumn Finance Bill 2023, so that investments made by companies in qualifying plant and machinery, after 1 April 2026, will continue to qualify for a 100% first-year allowance for main rate assets, and a 50% first-year allowance for special rate (including long life) assets. Cars, assets for leasing and second-hand assets will be excluded from these 100% and 50% first-year allowances. At last, something for the likes of us providing the studio spaces.\nThe Autumn Statement can be read in full here.", "domain": "finance"}
{"url": "https://aid.york.edu/Student/Logon.aspx?useStdLogin=true", "date": "2023-10-04T16:31:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511386.54/warc/CC-MAIN-20231004152134-20231004182134-00002.warc.gz", "language_score": 0.9192896485328674, "token_count": 225, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__44387699", "lang": "en", "text": "Online Financial Aid System\nWelcome to the York University's Financial Aid portal. You can:\n- View a list of documents we've received from you and a list of the documents still outstanding\n- View your estimated financial aid awards\n- Upon Completion of required documentation, accept the awards\n- View your student loan history\n- Check the status of your student loans for the current year.\nIf you have not previously logged in, click on the \"First Time User\" link in the \"Log-In\" sidebar.\nYou must have a financial aid record already established at York University in order to use this system. If you have not begun the financial aid application process, you can get started by completing online the Free Application for Federal Student Aid. Enter our school code, 002567, on your application and we will automatically receive a copy.\nFirst Time Users\nIf you are new to this portal, click here to setup your account.\nReturning students or anyone who already has access to both their PantherNet and York University Email accounts should go here to login.", "domain": "finance"}
{"url": "http://www.jazzservices.org.uk/index.php/jazz-business-law/publishing-contracts", "date": "2013-06-20T11:21:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368711441609/warc/CC-MAIN-20130516133721-00072-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9643731117248535, "token_count": 713, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__59829369", "lang": "en", "text": "1. Who is the publisher?\nResearch who the publisher is, remembering that publishing income is far more difficult to collect than record income. It is vitally important that your publisher is a reputable company able to continue paying income over many years.\n2. How long is the contract for?\nDo not enter into a publishing agreement for a period longer than five years. The terms of an agreement will need to be reconsidered every so often in view of the writer's success. If possible only enter into an agreement for a period of three years although this will in effect, be one year plus two one year options.\n3. What sort of publishing advances can the songwriter or composer expect to be paid?\nThe advances should reflect an accurate estimate of the income due to the artist normally over the next 12 months. If an artist has secured an album deal it will be higher than if the artist had secured a singles deal. The publisher is effectively advancing the income that will be expected on royalty payments to the artist through the release of recorded material.\n4. How much money will a publisher take in royalty income?\na)The royalties should be a fair and accurate split; the norm today is 75% for the writer and 25% for the publisher. Royalties split 50-50 is not acceptable and are a hangover from a less regulated era.\nb) Understand fully how royalties are calculated at source it means that when £1 is earned throughout the world the writer receives 75p.\nHowever, if royalties are calculated on a receipts basis and the publisher has entered into a 75/25 split with its sub-publisher (even if it is a company the publisher owns completely) then the songwriter will receive is 75% of 75% - that is 56.25p in the pound.\n5. When will the writer get the full rights to her/his music back?\nConsider the retentions. Songs last for the writer's life plus 70 years and it is very important that writers get their songs back at some point so that they can enter into new agreements and maximise potential income. Songs are a writer's pension. Many songs which seem to have no real value after their initial success come back years later and are of considerable value. A 10 to 15 year retention period is fair, some publishing companies require longer, but you should not agree to a life of a copyright deal.\n6. What control does the writer have over her/his work?\nDeal with creative controls in a publishing deal as you have in a record contract. You want to ensure that the writer's work is not altered, amended or modified without permission. Ensure sync licenses (the right to put the music on film, TV) are not granted without the writer's permission. Impose controls on the publisher to ensure they register each song in each territory in order to protect them.\n7. How can an artist ensure the right to the debut performance of his/her own song?\nContractual controls make sure that the publisher abides by any control composition clause and requirements for the granting of sync licenses imposed by the record company and that the publisher will grant to the writer's own record company a first mechanical license without the writer's permission. This will ensure the writer always has his or her own work available to him/her.\n8. Who keeps track of the money?\nDeal with accounting provisions as per the record company – it is very important in publishing agreements that the source of all income is easily identifiable.", "domain": "finance"}
{"url": "https://durhamworks.org/covid-19-unemployment-insurance-information/", "date": "2020-10-29T15:56:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107904834.82/warc/CC-MAIN-20201029154446-20201029184446-00123.warc.gz", "language_score": 0.9376408457756042, "token_count": 793, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__80202295", "lang": "en", "text": "COVID-19 has created an unprecedented demand for unemployment insurance benefits for employees. The North Carolina Division of Employment Security is the agency charged with administering both state and federal unemployment benefits. Below is information about how to apply for assistance, and for answers to other frequently asked questions.\nFiling for Unemployment Insurance Benefits\nThe Division of Employment Security’s website is the fastest and most efficient way to file a new claim. Visit their site to create an account and begin the application process.\nFederal Unemployment Assistance\nThe Division of Employment Security has received official guidance from the U.S. Department of Labor on how to implement the three unemployment programs of the federal CARES Act. The agency is now working to quickly modify theirnsystems to ensure people receive proper and accurate payments. Applicants due any benefits prior to the full implementation of these programs will be paid retroactively.\nDES intends to implement the programs in the following order.\n- Federal Pandemic Unemployment Compensation (FPUC): This program provides an additional $600 in weekly unemployment insurance benefits to eligible claimants. We are currently testing our system for this program and anticipate making the first payments by April 17, 2020.\n- Pandemic Unemployment Assistance (PUA): This program provides unemployment compensation for individuals not eligible for regular unemployment insurance or any extensions to unemployment insurance. This will provide benefits to eligible self-employed workers and independent contractors. We anticipate the system will be ready to accept claims for this assistance around April 25, 2020.\n- Pandemic Emergency Unemployment Compensation (PEUC): This program provides up to 13 additional weeks of benefits for those who have exhausted their state unemployment benefits. A definitive timeline for completing system updates for this program is not yet available.\nVisit the North Carolina Employment Security Division’s Federal Unemployment Assistance page to learn more.\nFrequently Asked Questions\nThe North Carolina Division of Employment Security has put together the following FAQ’s related to COVID-19 and insurance benefit changes.\nChanges to Unemployment Insurance\nOn March 17 Governor Roy Cooper signed Executive Order 118, making unemployment insurance benefits more widely available. According to the Division of Employment Security, the following changes are now in effect for individuals eligible for benefits due to COVID-19:\nWaiting Period. Normally, individuals do not receive payment for the first week of their claim for unemployment—this is the one-week waiting period. The one-week waiting period is waived for people filing as a direct result of COVID-19.\nNote: After you file your claim, your last employer is given, by law, 10 days to respond to DES about your claim. No payment will be released until after this 10-day period. If there are no issues with a claim, individuals typically receive payment within about 14 days of filing their initial claim.\nWork Search Requirements. Executive Order 118 allows some requirements to be waived for people filing for unemployment due to COVID-19. If you are filing due to COVID-19, you may answer ‘yes’ to the following question on the Weekly Certification: ‘Did you look for work?’\nNote: Requirements for performing a work search and being able and available for work are still in effect for individuals filing for unemployment due to reasons other than COVID-19.\nNo charges will be assessed to an employer’s account for any benefits paid as a direct result of COVID-19.\nNC Works Career Center\nThe NC Works Career Center in Durham is currently closed to the public. However, residents can still access resources virtually. To access those resources, please visit their website.\nPlease note that office closures do not affect access to NCWorks Online. Job Applicants can continue to receive Job Search services and create resumes. Employers can still receive Recruitment Services. Should your local NCWorks Career Center close, most services can still be accomplished online.\nVisit NCWorks Online.", "domain": "finance"}
{"url": "https://www.windycitystairlifts.com/financing/", "date": "2023-06-08T12:42:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224654871.97/warc/CC-MAIN-20230608103815-20230608133815-00608.warc.gz", "language_score": 0.9340036511421204, "token_count": 378, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__40759652", "lang": "en", "text": "Stay in the home you love with one of our many financing options!\nFinancing for Stairlifts, Straight Stairlifts, and Curved Starlifts in Chicago, Arlington Heights, Aurora, Barrington, Buffalo Grove, Champaign, Highland Park, and Joliet, IL\nA stairlift is a major home purchase. Like a furnace or an air conditioner, it’s a purchase you want to get right the first time. Windy City Stairlifts offers several types of payment options and financing. We accept cash, check, and all major credit cards.\nDCU Access Loans (Digital Federal Credit Union)\nAccess Loans are for any product, device, or building modification designed to assist someone with a disability. The borrower need not be the beneficiary of the purchase.\nCareCredit helps you pay for out-of-pocket healthcare expenses for you, your family, and even your pets! Once you are approved, you can use it again and again to help manage health, wellness and beauty costs not covered by insurance.\nApply for Care Credit through our parent company Access Elevator:\nThe Federal Savings Bank\nThe Federal Savings Bank has low-cost loans available for home modifications, repairs, and improvements.\nBlue Cross Blue Shield (IL)\nHealth Care Coverage You Can Depend On. Check BCBSIL.COM for affordable health care plans and coverage, that may cover some or all of your stairlift purchase.\nMedicaid Waiver Programs\nWhat is an HCBS Waiver?\nA waiver is a program that provides services that allow individuals to remain in their own homes or live in a community setting, instead of in an institution. Illinois has nine HCBS waivers. Each waiver is designed for individuals with similar needs and offers a different set of services.", "domain": "finance"}
{"url": "https://family.co/faqs", "date": "2024-04-23T02:09:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818452.78/warc/CC-MAIN-20240423002028-20240423032028-00146.warc.gz", "language_score": 0.9533931016921997, "token_count": 637, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__84946495", "lang": "en", "text": "Last Updated May 2023\nIs Family safe?\nYes, Family is safe. Your private keys are encrypted and stored locally on your device. This means that only you have access to your credentials and, consequently, your wallet and its assets. In addition, we employ several other security measures including requiring 2FA via biometrics for sensitive actions, such as signing transactions.\nWho controls my wallet keys?\nYou have full control over your wallet keys. This means that the private keys, which grant access to your wallet, are stored on your device and not on a central server. You are the only one who has access to these keys, giving you complete control and responsibility over your assets. This is the main distinction between self-custody wallets and custodial wallets, where the private keys are held by a third party. Remember, it's crucial to securely store and never share your private keys or secret recovery phrase, as anyone with access to these can access your funds.\nCan I switch from another wallet?\nYes, you can easily switch from another wallet to Family. If you're using a non-custodial wallet such as Trust Wallet or Rainbow and want to keep your current wallet addresses, you can import your existing wallet into Family by using your secret recovery phrase or private key.\nCan I trade crypto within the wallet?\nAbsolutely, Family features a built-in decentralised exchange that allows you to trade between different tokens without having to leave the app. This function provides a seamless trading experience, enabling you to manage and diversify your crypto portfolio all from within our wallet. To trade, navigate to the ‘Swap’ section in the app, select the tokens you wish to trade from and to, input the amount, and confirm the transaction. The traded amount will then reflect in your wallet balance.\nAre there any fees associated with the wallet?\nFamily does not charge any additional fees for using the wallet. However, standard network fees still apply. These fees are not collected by Family, but rather are integral to the Ethereum network, acting as compensation for validators who process and validate transactions. The specific transaction fee can vary depending on the intended transaction and the current network congestion.\nIf Family ever stopped existing, would I lose access to my wallet?\nNope, you would still be able to access your wallet and all of its assets and transaction history. This is because Family is a self-custody wallet, meaning you are in full control of your wallet keys rather than us. You can think of Family as a helpful visual interface to assist you in managing your Ethereum wallet. Your wallet itself exists on the Ethereum blockchain, which is fully decentralised and not going anywhere. As long as you keep your secret recovery phrase or private keys backed up safely, you’ll always be able to keep using your wallet with any other self-custody wallet app or interface, even if Family ceased to exist.\nDoes Family support L2s?\nYes, Family supports L2s such as Optimism, Base, Arbitrum, and Polygon, with more to come.", "domain": "finance"}
{"url": "https://www.veeder.com/us/veeder-root-and-nov-announce-forecourt-site-equipment-financing-bundle-program", "date": "2024-04-19T06:49:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817289.27/warc/CC-MAIN-20240419043820-20240419073820-00256.warc.gz", "language_score": 0.8950160145759583, "token_count": 1054, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__55532713", "lang": "en", "text": "Simsbury, CT, October 3, 2023 – Veeder-Root, a worldwide leader in fuel management and environmental systems technology, in collaboration with NOV (NYSE: NOV), a global manufacturer for the energy industry, announced today their partnership to make forecourt equipment more accessible. Site owners and operators can purchase their complete forecourt site equipment leveraging Patriot Capital rates with the Veeder-Root and NOV financing bundle program. This bundle is designed to support customers with single wall tanks, or site owners and operators who need to upgrade their existing equipment.\nTo make the rapidly evolving fueling landscape more accessible and affordable, this bundle provides 100% financing opportunities up to $350,000, offers fixed payments, and can save end-customers upwards of $59,402 in interest costs. To combat interest rates that are at a 20 year high, this financing bundle program offers two financing options, 4.9% for 60 months and 5.49% for 72 months*.\nThe tank replacement financing bundle program includes purchasing the following, among other eligible products:\n• Fiber Glass Systems’ Containment Solutions Tank (NOV)\n• Fiber Glass Systems’ Piping (NOV)\n• TLS-450PLUS and TLS4 Series Automatic Tank Gauges (Veeder-Root)\n• Red Jacket® Submersible Turbine Pumps (Veeder-Root)\n“We're excited to bring together two industry leading providers of forecourt equipment to provide more accessible rates to site owners and operators who need to undergo tank replacement projects,” said Lindsay Neubecker, Director of ATG & Vapor Product Platforms for Veeder-Root. “Together, we're revolutionizing accessibility in the fuel handling industry and continuing our commitments to excellence by helping our customers thrive in today's dynamic fueling environment.”\n\"We are thrilled to partner with Veeder-Root and provide this innovative financing solution to our customers,\" said Juan Carlos Marroquin, Senior Vice President of Sales and Marketing at NOV's Fiber Glass Systems business unit. \"By merging the product portfolios of two industry leaders and offering unparalleled financing options, we can now offer operators an unbeatable value proposition. This collaboration truly removes barriers for those looking to upgrade their infrastructure.\"\nVeeder-Root and NOV are exhibiting at the 2023 NACS Show in Atlanta, GA from October 4-6, where they are excited to begin discussing this program with all in attendance. The Veeder-Root team can be found in booth B4031, and the NOV team can be found in booth B5049 at the show.\nProven solutions. Powerful partnership. Bundling the products you need at the industry’s best rate. Veeder-Root and NOV are happy to offer the strongest financial options in the industry to complete your project. For more information about this financing program and to explore the options available, please contact Patriot Capital at patriotcapitalcorp.com/contact-us/application or +1.877.527.0383.\nVeeder-Root is a leading global supplier of fuel management and environmental solutions with a tradition of excellence in the petroleum industry. Our portfolio of market-leading products includes: Veeder-Root Automatic Tank Gauges, probes and sensors, Red Jacket® submersible pumps and pressurized line leak detectors, HydrX™ Fuel Conditioning System, EMR meter registers, and stage II vapor recovery solutions. Our products improve profitability and abate risk for customers by delivering solutions to manage onsite operations, compliance reporting, fuel procurement, inventory reconciliation, and accounting processes. Veeder-Root products and services are installed in over 500,000 tanks globally and are responsible for 22 billion gallons of gasoline and diesel fuel annually. To find out more about Veeder-Root, visit veeder.com.\nNOV delivers technology-driven solutions to empower the global energy industry. For more than 150 years, NOV has pioneered innovations that enable its customers to safely produce abundant energy while minimizing environmental impact. The energy industry depends on NOV’s deep expertise and technology to continually improve oilfield operations and assist in efforts to advance the energy transition towards a more sustainable future. NOV powers the industry that powers the world. Visit nov.com for more information.\nVeeder-Root Media Contact:\nDirector, ATG & Vapor Product Platforms Veeder-Root\nPhone: (W) +1.860.651.2787\nNOV Media Contact:\nVP Sales, Fuel Handling\nPhone: (W) +1.860.306.0530\n* The term of financing will be based on current market rates and borrower credit quality. Shipping, installation, taxes, and soft costs are not eligible for the promotional incentive but may be financed at a higher rate at Patriot’s discretion.", "domain": "finance"}
{"url": "https://amazondisasterrelieffund.com/", "date": "2022-07-01T11:39:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103940327.51/warc/CC-MAIN-20220701095156-20220701125156-00657.warc.gz", "language_score": 0.9407289028167725, "token_count": 269, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__249232566", "lang": "en", "text": "The purpose of the Amazon Disaster Relief Fund is to help Amazon employees and partners impacted by a designated natural disaster. The fund will offer eligible Amazon employees and partners in need of immediate financial assistance tax-free grants (US) administered by a third-party, Emergency Assistance Foundation (EAF). Specifically, the fund provides assistance to eligible applicants up to $3,000 through a one-time grant for expenses related to temporary housing, temporary transportation, vehicular repair, replacement of essential appliances, as well as immediate needs such as food and clothing. EAF is a 501(c)(3) tax-exempt, public, non-profit organization and makes the final determination on all applications. The Fund relies on support from the sponsoring organization, Amazon.\nIf you are experiencing hardship due to a designated natural disaster, you can apply for a grant. Please read the Application FAQ to see if you qualify.\nEmergency Assistance Foundation independently administers all Fund activities and assists applicants with their grant applications when needed. The sponsoring organization, Amazon, has no visibility into individual applications or grants unless an applicant opts in to share certain details under specific circumstances.\nEmergency Assistance Foundation is here to help during difficult times. Please click the “Community Resources” button for links to local resources, disaster preparedness education, financial learning tools, and more.", "domain": "finance"}
{"url": "https://newsbasics.com/business/investing/jpmorgan-chase-ceo-jamie-dimon-says-trump-doesnt-understand-the-debt-ceiling/", "date": "2024-03-01T02:09:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474893.90/warc/CC-MAIN-20240229234355-20240301024355-00229.warc.gz", "language_score": 0.9651901125907898, "token_count": 1117, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__149790428", "lang": "en", "text": "JPMorgan Chase CEO Jamie Dimon sharply criticized former President Donald Trump on Thursday, saying the 2024 presidential candidate doesn’t understand the debt ceiling and what is at stake. It is just “one more thing he doesn’t know very much about,” Dimon told Bloomberg Television.\nTrump said in a CNN town hall Wednesday night that a default would be preferable to a result that doesn’t stop the government “spending money like drunken sailors.”\nEconomists and congressional leaders on both sides of the aisle say an extended default would hurt the US economy, triggering widespread unemployment, surging interest rates and sparking a global downturn.\nDefaulting on the US debt would be “potentially catastrophic,” Dimon said Thursday.\n“The closer you get to it, you will have panic. Markets will get volatile, maybe the stock market will go down, the Treasury markets will have their own problems,” he said. “This is not good.”\nDimon also expressed concerns that US creditworthiness could be downgraded, as it was during the 2011 debt limit crisis.\nDimon told Bloomberg he has been hunkering down in a so-called “war room” once a week in order to prepare JPMorgan Chase, the largest bank in the United States, for the possibility of a debt default.\nAs the June 1 ‘X-date’ approaches — when the US Treasury could run out of cash and extraordinary measures to pay all government obligations — Dimon said he will convene his war room more often. By May 21, he expects to meet every day.\nHe added that while he’s respectful both of Republicans and Democrats during ongoing negotiations, he’d “love to get rid of the debt ceiling thing” altogether.\nThe whole debt ceiling situation “is very unfortunate,” he added. “It should never happen this way.”\nOn the whole, Dimon said he doesn’t feel confident about what the second half of 2023 holds for the US economy.\nAmerican consumers still have excess money in their bank accounts, he said, but they’re quickly spending it down and “the bite of that is going to happen later this year.”\nBy that time, he added, the full impact of the Federal Reserve’s tightening regimen could be felt by the economy.\n“I think it’s reasonable to say that those two things are coming to fruition maybe towards the end of the year,” he said.\nGiven the risks, “I would take a mild recession happily,” he said.\nHe also reiterated that he is far more concerned about the toll the geopolitical climate could take on the US economy.\n“Ukraine, trade, Russia and our relationship with China” top his list of worries, he told Bloomberg.\nIn April, he told CNN’s Poppy Harlow that the war in Ukraine was “the most important thing.”\nThose rising tensions abroad are “changing everything we think about in the world” from safety and security to food and energy, he said. “It’s changing economic relationships, it’s roiling the relationship with us and China.”\nDimon also told Bloomberg he has met with the leadership of embattled US regional banks every day for the last week.\n“We need to finish the bank crisis,” he said. “We’ve had uncertain policy on mergers,” he said “and I think we have to assume there will be a little bit more.”\nLast week, JPMorgan acquired the majority of First Republic after the bank’s collapse into receivership.\nFirst Republic was the third-largest US bank to fail and came just over a month after the collapse of Silicon Valley Bank and Signature Bank set off concerns about the health of the financial sector.\nStill, in a bit of good news, he said mid-size banks’ fundamentals are strong.\n“They’re quite worried because of the run on deposits, but their financial results are good,” said Dimon. “They’re going to be okay next quarter: They’re earning money, they’ve got very good clientele, very diversified.”\nThe Biden administration has recently pointed fingers at short-sellers who bet against the banks and profited when they fell.\nWhite House Press Secretary Karine Jean-Pierre told reporters during a press briefing last week that the administration is “going to closely monitor the market developments, including the short-selling pressures…on healthy banks.”\nSecurities and Exchange Commission Chair Gary Gensler said in a statement that his agency is focused on finding “any form of misconduct” that threatens investors and capital markets.\nDimon said on Thursday that the SEC has the enforcement capability to look at “what people are doing, by name, in options, derivatives and short sales.”\nIf someone is doing something wrong like colluding or tweeting about a bank after short-selling its stock, the SEC “should go after them, and vigorously,” said Dimon. “They should be punished to the full extent that the law allows it.”\nRead the full article here", "domain": "finance"}
{"url": "http://saudiethraa.com/en/", "date": "2021-03-06T10:58:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178374686.69/warc/CC-MAIN-20210306100836-20210306130836-00414.warc.gz", "language_score": 0.9445234537124634, "token_count": 338, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__131504620", "lang": "en", "text": "Saudi Ethraa Financial Advisory is a Saudi consulting firm based in Jeddah. It aims to support and assist corporates and SMEs to achieve their strategic targets through developing strategic planning and financial projection along with the appropriate financing mix that meet their needs.\nBusiness Valuation (Accredtied by Taqeem)\nSaudi Ethraa has the experiene, and trusted name you can rely on to meet your organization’s valuation needs. Our professionals (who are members of Saudi Authority for accredited Valuers – Taqeem) provide a wide range of serves including valuing entire businesses, subsidiaries, joint ventures, mergers and aquistions etc.\nSaudi Ethraa aims to assist corporates and SMEs to achieve their strategic targets through facilitating proper financing agreements from various investors and lenders.\nStrategic and Business Advisory\nSaudi Ethraa assists its clients to develop corporate strategy to maximize profitability and grow businesses. Along with the client management, we develop strategic planning, feasibility studies, financial projections and business plans to help the client achieve its targets and grow their business.\nSome companies face financial instability in their financial position, at Saudi Ethraa and through collaboration with the client management, we can assist the client to diagnose and identify the issues at earlier stage and develop appropriate solutions that create win-win situation for all stakeholders.\nIn view of the new imposed Value-Added Tax regulation by the General Authority of Zakat amd Tax in Saudi Arabia starting from 1 January 2018, we assist entities to comply with VAT regulations through identfying companies structure and operations and ensure these operations are properly refelted in the client’s systems and reports.", "domain": "finance"}
{"url": "https://www.santaclarachamber.com/elections.html", "date": "2019-07-20T11:49:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195526508.29/warc/CC-MAIN-20190720111631-20190720133631-00414.warc.gz", "language_score": 0.9404788613319397, "token_count": 160, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__93248079", "lang": "en", "text": "Each election cycle there are bills that have both long- and short-term consequences for business. With the current economic climate in California, it is important for business and residents to focus on how our state can improve the economy by creating jobs and supporting the industry that is in our state, before businesses are either forced to downsize or leave our state for other more business-friendly locations. With this in mind, the Board of Directors for the Santa Clara Chamber of Commerce will be reviewing measures and propositions for their impact on business, and encourages you to vote on November 1. Please check back here to see the Chamber's recommendations for the measures and proposals on this year's ballot.\nFor additional information on the Santa Clara Chamber of Commerce positions, please call us at (408) 244-8244.", "domain": "finance"}
{"url": "http://shishkarev.ru/en/news/russian-railways-sold-transcontainer-at-the-price-twice-as-high-as-the-starting-price/", "date": "2020-07-13T01:48:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657140746.69/warc/CC-MAIN-20200713002400-20200713032400-00068.warc.gz", "language_score": 0.9648796319961548, "token_count": 1322, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__134318304", "lang": "en", "text": "Russian Railways sold TransContainer at the price twice as high as the starting price. The companies of Abramovich and Lisin took part in the auction, but Sergey Shishkarev's Delo Group won.\nIn Moscow on November 27, the auction for the sale of 50% plus 2 shares in TransContainer (6.95 million shares) held by United Transport and Logistics Company, a subsidiary of Russian Railways, took place. Delo-Center, a member of Sergey Shishkarev's Delo Group, won the auction. It had offered 60.3 billion rubles for the stake, while the starting price had been 36.16 billion rubles, the organizers of the auction told VTB Capital.\nThe first step of the auction amounted to 141 million rubles; other steps amounted to 200 million rubles. The bidding was very intense and lasted for about 40 minutes, judging by the final price, over 120 steps were made. Three companies fought for the asset. Besides Delo Group, there were Yenisey Capital controlled by joint owners of Evraz Roman Abramovich and Alexander Abarmov, and Freight One controlled by Vladimir Lisin. Yenisey Capital already holds 24.74% in TransContainer.\nFreight One was the first to quit the bidding, it was followed by Yenisey Capital, says a person close to one of the bidding participants. A representative of Freight One did not specify the sum after which the company stopped bidding.\nNot everyone could apply for the participation in the auction. A bidder was required to have at least 5,000 freight wagons or a container terminal (terminals) with the aggregate processing capacity of at least 50,000 containers (20-foot equivalent units). Or a 20% stake in TransContainer. Companies having foreign co-owners (with a stake exceeding 25%) and state ownership (with a stake exceeding 30%), and businesses specializing in maritime shipping (over 50% of proceeds) were not admitted to the auction. Bidders also had to make a deposit of 10% of the starting price amounting to 3.6 billion rubles.\nTransContainer is Russia's largest operator of container shipping. The company has a network of 60 terminals in Russia, Kazakhstan and Slovakia, and a fleet of 27,819 flatcars and 74,118 containers.\nShares of TransContainer are listed on Moscow exchange. From August 7, when the auction conditions were announced, they rose in price by 25.3% from 6,995 rubles per share to 8,765 rubles per share on November 27 at 02:25 pm Moscow time (the auction started at 03:00 pm). The price of the shares was just a little higher than the price at which Delo Group bought them at the auction.\nWho is Shishkarev and what is Delo Group\nShishkarev established and became the CEO of the transport and logistics holding Delo in 1993. From 1999 he was a deputy of the State Duma for several consecutive convocations, from 2009 until 2014 he chaired the transport committee. In 2014 he became the president of Delo Group once again.\nFor many years the business of Dela Group has been focused in Novorossiysk, where the group holds containers and grain terminals. In 2018 Delo Group bought 30.75% of shares in Global Ports, Russia's largest port container operator with assets in the North-Western and Far-Eastern basins for 250 million USD.\nRussian Railways is planning to close the deal for the sale of the stake in TransContainer by the end of 2019. However, the potential expenses of the winner will be even more. It will have to make an offer to other shareholders. In theory, Delo Group may spend about 60 billion rubles more, should all the co-owners of TransContainer accept the offer. Besides Yenisey Capital, a big minority shareholder of TransContainer is VTB, holding a stake of 24.84%.\nEarlier Shishkarev explained that apart from the company's own funds (25-30%), he planned to raise funds from Sberbank to finance the deal. Sberbank's press service confirmed on November 27: the bank will finance this deal. According to Prime Agency, the businessman said that Delo Group would suggest VTB remain a shareholder of TransContainer, and make an offer to other shareholders. A representative of VTB did not comment on this.\nThe auction results are an \"enormous success\" both for the seller and for the buyer, General Director of Infoline-analytics Mikhail Burmistrov notes. \"The price of the asset surpassed the wildlest expectations,\" he adds. \"The presence in the three basins and the majority share in the leading Russian container shipping operator will enable Delo Group to become a national logistics transport integrator,\" the company's report runs. Delo Group has two terminals in Novorossiysk, including a container terminal, and experience in container shipping, reminds Igor Smirnov, director of corporate and sovereign ratings at Expert RA. The wagon shipping market is stagnating, and container shipping increases by 15-20% each year, Smirnov clarifies the increased interest in TransContainer.\nNevertheless, Delo Group has not paid such a colossal price for TransContainer. Based on the auction the value of the company is estimated at 120.6 billion rubles. EBITDA for the year ended on September 30 amounted to 20.5 billion rubles, points out Smirnov. The company is estimated as EBITDA times 5.9. Dela Group will not face difficulties while making up for its expenses, Burmistrov and Smirnov believe. This can be achieved through an offering on an exchange or sale of the stake, including Delo itself, to a strategic or financial investor.\nA representative of Yenisey Capital did not comment on the auction results. A decision on further steps would be made after the offer, in which the company was planning to participate, he said. The shares in TransContainer had been acquired by the company at a price 70% lower than the price at which they were acquired by Delo Group, states Smirnov. We believe that the final price of this asset is not economically feasible, that's why we quitted the bidding,\" a representative of Freight One told RBC.\nSource – Vedomosti dated 28.11.2019 .", "domain": "finance"}
{"url": "https://bier-expert.dewww.helpmefind.com/gardening/donations.php", "date": "2024-04-14T14:37:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.72/warc/CC-MAIN-20240414130604-20240414160604-00534.warc.gz", "language_score": 0.9564667344093323, "token_count": 270, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__23386907", "lang": "en", "text": "HelpMeFind is a member-community funded website; your financial support ensures it will continue to grow and thrive. If you value HelpMeFind and appreciate not being subject to constant advertising please donate to show your support.\nHMF was founded in 1997 to provide a commercially impartial tool to collect, organize and present rose information. Our mission is to bring gardeners from around the world together by providing a tool to share their insight and experience. We have barely scratched the surface of HelpMeFind's potential. Our \"To-Do\" list of enhancements is continuously growing with our own ideas as well as your suggestions. We are also constantly refining our website to (hopefully) make it easier to use.\nUnlike most websites, HelpMeFind is not a commercially-driven, thinly disguised marketing tool and that makes funding a challenge. HelpMeFind funding is supplemented with subscription fees from some of the commercial organizations featured on the website but this sponsor pricing is modest to avoid dependence on individual companies and potentially allowing them to influence our website's content, direction or policies. We need YOUR support.\nDonations of any amount are appreciated but if you can donate $24 or more we thank you with a one-year premium membership upgrade. To take advantage of this offer, please be sure to register BEFORE you make your donation.", "domain": "finance"}
{"url": "https://liftofffincomm.com/principal/", "date": "2019-08-24T16:44:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027321160.93/warc/CC-MAIN-20190824152236-20190824174236-00474.warc.gz", "language_score": 0.9250172972679138, "token_count": 407, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__182362223", "lang": "en", "text": "Jonathan Mairs is an experienced, results-oriented, and well-rounded communications professional.\nMost recently, Jonathan was Head of Investor Relations and Financial Communications at KCG Holdings, Inc. (NYSE: KCG), the largest market maker in U.S. equities and ETFs on Wall Street. KCG was acquired by Virtu Financial, Inc. (NASDAQ: VIRT) in mid 2017 at a 45 percent premium to the pre-offer stock price. At KCG forerunner Knight Capital Group, Inc., he served in a dual capacity as Managing Director of Corporate Communications and Investor Relations.\nEarlier, he spent more than a decade at leading public relations agencies Ogilvy, Ruder Finn and Edelman. In that time, he served financial sector clients including:\n• Wells Fargo (online brokerage, investment advisors, private banking)\n• CFA Institute\n• Saybrook Capital\n• Bank of America (research, sales and trading, investment banking)\n• Donaldson, Lufkin & Jenrette (asset management, online brokerage)\n• Standard & Poor’s\n• Charlesbank Capital Partners\n• Citibank (consumer banking, private banking, corporate banking)\nIn addition, Jonathan worked on more than 25 M&A and IPO assignments across sectors and underwent Ogilvy brand training, encompassing research, creative and planning. He started his career at storied ad agency Wells Rich Greene, the first NYSE-listed company led by a female CEO.\nHe is a member of the American Association of Individual Investors (AAII), Financial Communications Society (FCS), and National Investor Relations Institute (NIRI). He is a past recipient of the Gold Sabre for best corporate image campaign, PRSA Bronze Anvil for best financial services media relations, and Gold FCS Portfolio Award for best annual report.\nJonathan earned a bachelor of arts in English writing from Saint Lawrence University and a master of arts in psychology from the University of Santa Monica.", "domain": "finance"}
{"url": "http://www.keepinsurancecompetitive.com/news-and-resources/", "date": "2015-05-30T04:04:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-22/segments/1432207930895.88/warc/CC-MAIN-20150521113210-00233-ip-10-180-206-219.ec2.internal.warc.gz", "language_score": 0.9664576053619385, "token_count": 289, "dump": "CC-MAIN-2015-22", "global_id": "webtext-fineweb__CC-MAIN-2015-22__0__163026642", "lang": "en", "text": "US President Obama’s reinsurance tax proposals could damage the US economy, according to a study by Arthur Laffer, a former member of Reagan’s economic policy advisory board. According to the report, which was published by the Laffer Centre, attempts to deny a tax reduction for certain reinsurance premiums paid to foreign-based affiliates by domestic insurers would result in economic damage to consumers and businesses by raising the cost of their insurance.\nA proposal in President Barack Obama’s FY 2016 budget seeks to deny a tax deduction for reinsurance premiums paid to foreign affiliates by domestic insurers. The proposal closely resembles legislation introduced in Congresses by US Representatives Richard Neal (D-MA) and Bill Pascrell (D-NJ) and Senator Robert Menendez (D-NJ) that would drastically raise insurance rates across the country. The President’s budget proposal and the Neal-Pascrell-Menendez legislation would impose an unnecessary and costly tariff on the companies that help spread insurance risks globally. This ability to spread risk has been especially beneficial for consumers and businesses in areas subject to hurricanes, earthquakes, crop failures and other forms of disaster.\nMore than 100 independent experts, state government officials, business owners, and associations have publicly filed opposition letters to these tax proposals. Additionally, two economic research firms, the Tax Foundation and the Brattle Group, have published independent studies pointing out the potential economic consequences of the proposals.", "domain": "finance"}
{"url": "https://www.torchenter.com/post/nft-in-video-games", "date": "2024-02-21T06:02:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473370.18/warc/CC-MAIN-20240221034447-20240221064447-00086.warc.gz", "language_score": 0.9777289628982544, "token_count": 797, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__166057360", "lang": "en", "text": "NFT gaming is one of 2022's biggest new NFT trends, and it will be hard for developers and publishers to ignore.\nNFT stands for Non-Fungible Token. It is a digital certificate of authenticity created thanks to a blockchain, the one of Ethereum (which is also a cryptocurrency). NFTs are said to be \"non-fungible\", as they cannot be replaced by anything else, they remain unique. This makes them different from other crypto-currencies such as Bitcoin, for example, because one Bitcoin can be exchanged for another, its value remains the same.\nTo summarize, an NFT is a unique code attached to any digitally available \"thing\". It can be a photo, an audio track, a text, ... Its certificate of ownership is stored on the blockchain.\nToday, we hear mostly about NFT with pictures. Artists have created NFT images (jpg, for example) to resell them on the market. Owning one of these NFTs makes the owner the only official owner of the image. In concrete terms, this could be similar to the release of a collector's edition of a vinyl record, numbered and signed by an artist. The quantity of vinyl edited and pressed is limited and the authenticity of this one is identifiable thanks to the signature of the artist as well as by its edition number.\nWhat's the point of NFTs in the video game world? It is said that everything that is rare is expensive. Some people are willing to pay a lot of money to get a rare or even unique item, sometimes with the intention of selling it for more. For now, NFTs don't seem to be a big advancement in the world of video games, since microtransactions, Season Pass and other DLCs have already been offering digital content for a fee for a long time. But now imagine that a very famous player manages to complete a difficult quest in front of millions of viewers on Twitch. Proud of his achievement, he could very well decide at the end of his quest to sell the sword he used during his journey. More than a simple skin, we can imagine how much some people would be willing to spend to play with the very sword he used to defeat this particular monster.\nThe entrance of NFTs in video games could lead to a big change in consumer habits. For example, it would allow a player to buy a unique outfit for his character in a multiplayer game, of which he would be the exclusive owner, and potentially allow him to sell it later, once again in the form of an NFT, at a higher or lower price. The player would therefore inject real money into the game to benefit from a volatile service without being able to really measure its future resale price. It's a bit like playing a stock market but within a video game. In any case, the developer and producer of the game would receive a percentage of the transaction, regardless of the amount of the resale.\nSeveral developers have already announced that they want to create NFTs like Ubisoft or GSC Game World and its game S.T.A.L.K.E.R. 2. Ubisoft also announced a few months ago the introduction of a platform called Quartz. A platform of NFT which will be named Digits and which for the moment can be used for Ghost Recon Breakpoint.\nHowever, this evolution is far from being unanimously approved by gamers and the various video game actors. Phil Spencer, Xbox boss, spoke about this last November\n“What I can tell you today about NFT is that I think there's a lot of speculation and experimentation going on with this technology, and some of the stuff I see today is more exploitation than entertainment [...] I think anything we see in our catalog that we consider exploitation would be something we would act on immediately. We just don't want to see that kind of content in our home.”", "domain": "finance"}
{"url": "http://ebhagnaris.blogspot.com/2009/12/written-by-amrit-mehta-toronto-canada.html", "date": "2019-01-21T09:15:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583771929.47/warc/CC-MAIN-20190121090642-20190121112642-00604.warc.gz", "language_score": 0.9733343720436096, "token_count": 785, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__211751283", "lang": "en", "text": "Global markets are overreacting to Dubai World's 'delay' in debt repayment\nThere is nothing understated about Dubai as I learned during a recent visit. It is hard not to be impressed by the ambition and audacity of this growing city. During the last decade or so, Dubai has embarked on large scale real estate development projects that led to the construction of some of the tallest skyscrapers and largest projects in the world such as the Emirates Towers, the Burj Dubai, the Palm Islands and the world's second tallest, and most expensive hotel, the Burj Al Arab. So how did a city of 1.4 million people with a GDP of roughly $40 billion manage to fund these ambitious projects?\nTo understand how, one has to think about Dubai as a highly leveraged private equity firm. Dubai has very little oil resources of its own, and under the tutelage of its ruler cum CEO, Sheikh Mohamed, it pursued a bold investment-fueled growth strategy focused on tourism, real estate and financial services. During a four-year construction boom, Dubai borrowed $80 billion, or almost 200% of GDP, to fund outlandish projects that transformed the sheikhdom into a regional tourism and financial hub. At one time it was rumored that Dubai had 25% of the world's cranes, quite a feat for a city that was home to 0.02% of the world's population. Dubai's motto was simple: 'Build, and they will come'. Global capital markets were awash with credit pre-Lehman, and Dubai borrowed heavily on generous terms to fund its expansion. Debt service costs were low, and the high growth/high debt, leveraged private equity model worked perfectly.\nPost-Lehman, this house of cards built primarily on investor sentiment came crashing down. It is estimated that property prices have fallen almost 50% in Dubai since then. Quite simply, buyers turned into sellers as panic spread through the financial system, exposing Dubai's glut of over-supply. People who bought several properties as investments with the hope of flipping homes at a profit, suddenly found that their mortgages/liabilities far exceeded the value of the homes they owned (sound familiar?). The cycle of borrow-build-sell-build was thwarted, and a sharp drop in revenues resulted in Dubai's high debt levels becoming an albatross.\nClearly, global markets have overreacted to Dubai's inability to make a debt repayment of $3.5 billion due December 14th. Some believe this could be the largest government default since the Argentine debt restructuring in 2001, while others point to contagion given the exposure of global banks to Dubai's debts. There are also fears of similar 'surprises' emanating from different parts of the world.\nThe facts would suggest that these fears are unfounded. To begin with, Dubai's problems are unique and its scale of potential defaults very small compared to the $1.7 trillion of global write-downs absorbed by banks due to the global financial crisis. To be sure, Dubai has several prized assets and can sell them to fund debt repayments but it is loth to do so. Besides, Abu Dhabi, the capital city of UAE and Dubai's nemesis, has one of the world's richest sovereign wealth funds with over $600 billion in assets and will not risk a Dubai default. It is most likely going to end up being Dubai's savior, but is currently engaged in a high stakes game of chicken with Dubai's ruler. It will ultimately lend Dubai the money to repay creditors but on its own terms. It will either take large ownership stakes in key Dubai assets & corporations and/or demand a much higher say in running Dubai's affairs. Either way, debts will be repaid and global traders will regain their sanity.\nDrunken stupors often lead to prolonged hangovers. This is no different!", "domain": "finance"}
{"url": "http://longtermloansanytime.co.uk/", "date": "2017-04-25T10:37:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917120338.97/warc/CC-MAIN-20170423031200-00320-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9460046887397766, "token_count": 878, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__112985845", "lang": "en", "text": "Welcome to Long Term Loans Anytime\nREPRESENTATIVE APR 1261%*\nAmount of credit £200 borrowed for 28 days. Interest: £40.20 Interest rate: 262% per annum (fixed). Representative APR: 1261% Total amount payable: £240.20\nWarning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.\nCarefully consider whether a loan is right for your individual financial situation. Depending on the amount borrowed and the duration of the loan you may find that borrowing of this type is an expensive form of credit and not appropriate for much longer term borrowing or if you are in financial difficulty. All loan applications are subject to status, terms and conditions and to satisfactory passage of checks on creditworthiness and affordability.\nA long term payday loan provides cash to the borrowers for a pretty long period of time. These funds are ideal for the people looking for instant financial help of up to 1,000 pounds with easy and stretched out repayment facility. The most noticeable feature of the long term loans is their availability for all the qualified UK residents, including the bad creditors. Our website is an ultimate medium for availing these credits through an easy to follow system. So if you have any liabilities like pending bills or are keen to buy an expensive item, you can always expand your finances by borrowing money online. We offer a simple procedure where you can get the needed cash fast after submitting an e-form. Our online loan application is short and free of cost. By filling and submitting it, you get instant access to many competitive loan deals brought to you by our associated lenders.\nEnjoy Extended Repayment Period\nThis is the most favourable feature of our long period cash borrowing schemes. Unlike other payday advances, these funds don’t have to be repaid in a short duration. You can opt for easy instalments that suit your income and lifestyle structure for paying back the leaned cash. Longer repayment period ensures more comfort in paying the amount through easy weekly, monthly or as suitable.\nFreedom from Hurdles of Bad Credit\nLow credit scores or any other bad credit records do not hinder the approval of long term loans for 12 months or more. So even if you have CCJs, defaults or late payments etc, you need not worry. Our moneylenders will not perform any credit checks to grant you quick cash but only evaluate your present earning capacity to do so. This is a really good opportunity for the bad creditors to improve their current scores as well.\nHow to Apply?\nThis is the very first question that arises when you realise the need of a payday advance. We have shortened the lengthy procedure for your convenience and made it very easy. As an applicant, you just have to fill in the loan application form with some accurate details – your age, residential status, employment information and bank account particulars. This free online application form is the most important thing to apply for a paycheque advance through us. Hence take care to fill in all the details carefully and truthfully.\nSame Day Quick Cash\nWe offer same day cash arrangements from the top UK lenders through application analysis. Our moneylenders process your personal data (as filled by you in the application form) and make instant decision on your request. The fast processing and approval process makes sure that you have cash in your hands fast. Our long term payday loans are best suited for your urgent expenses that can’t wait till your next salary day. The loan amount up to 1000 pounds is good enough to suffice your urgent bills, car repairs, unplanned travel expenses, school fees and many alike.\nLong term loans are better than many short term advances due to many reasons. You can obtain the funds via a straightforward online procedure and repay in installments of 12 months. You have full one year to reimburse the borrowed money, so there is no hassle. Then as discussed earlier, there is even no issue of past credit history checks. Being web-based, our services are accessible online from anywhere through the Internet. So there is no time limitation too. So don’t wait for anything. Just choose a paycheque advance to day and get cash to meet all your current needs. You are now just one application away from the friendliest online loans in the United Kingdom.", "domain": "finance"}
{"url": "http://profitfocusedfarming.com/faq-2/", "date": "2017-04-24T13:05:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917119361.6/warc/CC-MAIN-20170423031159-00036-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9453585147857666, "token_count": 727, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__165170462", "lang": "en", "text": "Most new members initially invest 2 to 3 hours week per week for the first month developing their business plan, populating the financial software with data and analyzing their first financial reports.\nThereafter, members tend to spend 1.5 to 2 hours per week recording key data, coding bank statements, conducting market research and keeping files up to date ready for submission at the end of the month. We believe time spent working on your farm business to improve profitability is time well spent.\nThe data you need to marshal is often already recorded for budgeting, banking and taxation purposes and thus should be reasonably close at hand.\nSome additional thought and research will need to be applied to make informed assumptions about future variables.\nThe key information you need to record and update regularly includes:\nMembers are required to assign a unique Profit Focused Farming income and expenditure code next to each transactional item on their business bank statement.\nThis allows us to apportion transactions to various profit centers.\nTo do this, we use BankLink’s Notes service to provide us with an electronic version of your farm’s bank accounts.\nWe believe this is a relatively simple process that adds robustness to the financial reports and decision-making.\nProfit Focused Farming integrated business management tools can be applied to a large range of farming enterprises, including those with multiple farms.\nWith all enterprises, the key objective is to continually improve the profitability and value of the farm business.\nWe view every farm as unique and one of the first steps is to run the numbers and understand the current and forecasted financial performance.\nThese first financial reports highlight the occurrence of the most profitable farming activities. They also demonstrate where the financial strength and weakness areas are.\nAt the same time, we also ask new members to reflect on what they want from the farm business and the future, their strengths and what the most important issues are.\nArmed with this information we work with members to identify and objectively assess possible solutions that will improve profit.\nOnce the member has decided a course of action, we then support the member to take action and put it into practice.\nOngoing guidance and support is then provided on a regular basis to assess results and help the member stay focused on critical business issues and get things finished.\nThis support comes from a personal business coach, mentors and other Profit Focused Farming farming members.\nThis proven process has been adopted by dairy, sheep, beef and mixed farms throughout New Zealand.\nProfit Focused Farming accommodates a full range of farming practices, including breeding.\nOur objective is to help farmers establish, using their own information, what farming activities do and do not contribute to profit.\nAll farming activities, including breeding stock are assessed for comparative current and future profitability.\nThe type of landscape and prevailing market prices will typically determine whether carrying breeding stock all year is more profitable than other types of farming i.e. finishing or fattening for the store markets. A farmer’s strengths and passion for breeding animals will also be a contributing factor.\nWe have members who have used sound financial analysis to establish themselves as successful and profitable stockbreeders.\nThe profit focused farming system is an online service which requires you to be able to access the web to see your reports and monthly results.\nIt is essential that you have an average level and understanding of computer literacy. You will be required to use the Microsoft Office suite of products especially Excel and Word. You will also need to be familiar with Microsoft Outlook and be able to attach files and send emails.", "domain": "finance"}
{"url": "https://columbus.citymomsblog.com/guides/columbus-moving-and-home-improvement/", "date": "2018-03-22T00:32:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257647707.33/warc/CC-MAIN-20180321234947-20180322014947-00240.warc.gz", "language_score": 0.9454128742218018, "token_count": 1232, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__94666480", "lang": "en", "text": "Whether you’re trying to find a new house, renovating a lived-in abode, or just sprucing up your home-sweet-home, you’ll more than likely need the help of an expert at some point along the way. Click the tabs below to help navigate through our sections to find just the right person to help with all your Moving and Home Improvement needs.\nThis guide is brought to you by our Sponsors – thank you for partnering with Columbus Moms Blog!\nCREDIT UNION OF OHIO\nCredit Union of Ohio makes home improvements affordable\nNeed access to cash for your next home improvement project, but not sure how to start the process? Credit Union of Ohio has you covered with affordable home equity loans, lines of credit and a friendly staff to answer all your questions.\nBased in Hilliard with convenient locations throughout central Ohio, Credit Union of Ohio is an expert partner in helping homeowners navigate financial decisions to improve the value of their homes. With competitive and affordable rates and a local staff, your decisions will be made locally and you’ll always have a direct line to your loan officer.\nFor a limited time, Credit Union of Ohio is offering a Home Equity special and Summertime Loan special. Visit Credit Union of Ohio’s website for current rates and terms or set up an appointment with a loan specialist by calling (614) 487-6650.\nCredit Union of Ohio is a full-service financial institution with a mission to help its members create positive financial habits through all stages in life. Learn about its free financial counseling services and products for the entire family at cuofohio.org. Equal Housing Lender and NCUA insured.\nOHIO BASEMENT AUTHORITY\nREAL WORLD CLEANING SERVICE\nLooking for quality cleaning service you can trust? Real World Cleaning Services is a local, family-owned business, licensed and insured to provide superior, residential and commercial cleaning services to the central and southern Ohio areas. Customer time, security and satisfaction are our priority – free estimates are easily done, cleaning supplies are provided, and excellent cleaning teams are screened and well-trained. Real World Cleaning Services provides a variety of cleaning frequencies including weekly, bi-weekly, monthly, seasonal and as-needed service scheduling. Floor services, including strip/wax and carpet cleaning can be scheduled as well! Don’t put off the opportunity to ease these chores and your peace of mind – contact us today for your free estimate!\nBuckeye Locksmith provides friendly, quality locksmith services in Columbus and surrounding cities. Our technicians, who have been in the business for over 10 years and are masters at their craft, strive to provide a personable, tailored experience for every customer. Local and family owned, Buckeye Locksmith offers a wide range of residential, commercial and automotive services. Choosing the right locksmith is an important decision when it comes to something as personal as home security. Buckeye Locksmith is a company you can trust. The company maintains BBB accreditation and offers upfront pricing to every customer. Technicians will not charge hidden fees or offer unnecessary up-sells. Special deals and discounts are listed on the website.\nLEADERS MOVING & STORAGE CO.\nLeaders Moving & Storage Co. is an accredited, professional, Columbus moving company, offering both corporate and residential moving services and storage. Our company began in 1994 in Columbus, Ohio with two movers and a handshake. Since then we’ve completed over 100,000 moves. We are one of the only moving companies to quote you an exact move price. There are no hidden fees, and no nasty surprises. You know your price in advance, so you can customize your move to your budget. Over 80% of all our customers are repeat customers and referrals. Call our Columbus movers at (614) 785-9595 today, to get your guaranteed move quote.\nTIME 4 ORGANIZING\nSARAH MOORE, HER REALTORS\nI remember the day that my husband and I found our home nearly 18 years ago. We are now in the midst of raising three beautiful boys, 2 dogs, 1 cat and 3 geckos. As you embark on one of the most important decisions of your life that will lead to many wonderful memories, I would like to assist you in finding a house that will become your perfect home. Has the time come that you would like to downsize or increase your living space? I’m available to sell your home with care, respect and the most comprehensive online marketing available today. I look forward to working with you soon.\nTHE MCGINTY GROUP, KELLER WILLIAMS CONSULTANTS REALTY\nRyan and Courtney McGinty are a husband-wife team with Keller Williams Consultants Realty. You get two realtors for the price of one! We love to work together and to help people realize their real estate dreams. Our goal is to make the home buying and selling process as smooth as possible and our clients tell us that we succeed. We offer personalized and responsive service, and are up-to-date about the current market, the best loan options available now, and the most recent laws that could affect your real estate transaction. Whether you’re brand new to Columbus, moving across the street, or moving out of town, we can help!\nAMY E. HALL, KELLER WILLIAMS GREATER COLUMBUS\nI am a local Realtor who would be honored to help with all your real estate needs in the Greater Columbus and surrounding areas. It is my strong belief that you need a friend in this business and that is what I will strive to be – your friend. Purchasing or selling a house is a big deal and you need someone you can rely on, who has your back, and is here to listen. I am that person. Contact me today and let me help you to find the perfect house to come home to.", "domain": "finance"}
{"url": "https://zigdao.com/cryptocurrency-to-trade/dash-dash", "date": "2024-04-17T13:10:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817153.39/warc/CC-MAIN-20240417110701-20240417140701-00821.warc.gz", "language_score": 0.9103016257286072, "token_count": 297, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__96560960", "lang": "en", "text": "Zignaly has built a business to leverage the social predisposition of humans to lower the barrier of entry to cryptocurrency trading.”\nWhat really sets Zignaly apart is its profit-sharing feature. Crypto investors can duplicate the trades of up to 100 expert traders — and only pay trading fees when profits are made from closed positions.”\nClearly, Zignaly has a strong use case in a world where a significant number of crypto traders rely on recommendations”\nZignaly has created an environment where trading platforms, users, and expert traders can benefit from one anothers input while contributing to a comprehensive ecosystem.”\nAbout 100,000 crypto investors use the crypto copy trading tool that Zignaly offers. This easy-to-use, results-driven tool enables you to select and copy the strategies of successful crypto traders with minimal effort.”\nZignaly puts a spin on traditional copy trading by calling it smart investing. At its core, it connects investors with traders and profits are shared when successful trades are copied.\"\nZignaly is a social investment platform that allows investors to follow expert traders in a seamless manner. This results in not only the investors achieving optimized returns, but hundreds of traders are monetizing on their trading skillset.\"\nZignaly is the better platform for copy trading live traders. The platform has an innovative Profit-Sharing feature where you can split a pool of your investable assets among multiple traders.\"", "domain": "finance"}
{"url": "https://www.crestechglobal.com/Understanding_Security_Compliances.php", "date": "2020-09-26T09:14:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400238038.76/warc/CC-MAIN-20200926071311-20200926101311-00509.warc.gz", "language_score": 0.9305362105369568, "token_count": 974, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__279235585", "lang": "en", "text": "- About Us\n- Case Study\nDigital transactions are increasing rapidly and more people than ever are using these platforms. Statutory & Regulatory bodies across the world are continuously protecting this digital information of the users from mishandling or theft. Data Protection law in European Union is even more stringent now after GDPR compliance came into force. Purpose of all this being to safeguard interest of the end users.\nCompliance Frameworks are sets of guidelines and best practices. Organizations follow these guidelines to meet regulatory requirements, improve processes, strengthen security, and achieve business objectives. Non-Compliant organizations face security breaches. When a company suffers a security breach, it is often difficult to quantify the totality of the damage, in part because there are so many potential financial consequences. Some of the biggest security breaches in recent years are:\nPayment Card Industry Data Security (PCI-DSS) : Organizations that handle cardholder information for major debit, credit, prepaid, e-purse, ATM and POS cards fall under this regulation. These compliances results in tapping the financial frauds, primarily through protecting debit/credit card and account information of the customers. Noncompliance to PCI-DDS can cost between $5,000 and $100,000 per month as fine.\nHealth Insurance Portability and Accountability Act ( HIPAA): This bill puts in place many regulations regarding the security of patient data. Companies that handle healthcare data, from hospitals and clinics to insurance companies, are required to comply with HIPAA regulations. Penalties for non-compliance can range from $100 to $50,000 per violation, with a maximum penalty of $1.5 million annually\nSarbanes Oxley Act (SOX) : It is designed to protect investors and the public by increasing the accuracy and reliability of corporate disclosures. This act requires companies to maintain financial records for seven years. Affected companies include U.S. public company boards, management and public accounting firms.\nFederal Information Security Management Act ( FISMAA) : The Federal Information Security Management Act of 2002 treats information security as a matter of national security for federal agencies. Comprehensive framework for ensuring the effectiveness of information security controls over information resources. It requires each federal agency to develop, document, and implement an agency-wide program to provide information security for the information systems that support the operations and assets of the agency.\nGeneral Data Protection Regulation(GDPR) : It aims to protect citizens in the European Union (EU) from data breaches. The GDPR applies to all companies processing personal data for people residing in the EU, even if that company is not physically located or based in the EU. Companies that fail to comply can face massive fines equaling four percent of their global turnover, or 20 million euros, whichever is higher.\nGramm Leach Bliley Act (GLBA) : This compliance is a United States federal law that requires financial institutions to explain how they share and protect their customers private information. It requires financial institutions that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information sharing practices to their customers and to safeguard sensitive data.\nEnhanced risk management framework: Compliance regulations help in defining a proactive security and risk posture for any organization, and then translating that posture to actionable security controls.\nReassure Customers: Compliance regulations help in protecting customer data which helps in achieving customers trust and contributes to brand reputation.\nAvoid breaches which in turn minimize losses: Regulations prevents breaches, which can cost millions of dollars and dent organization's exchequer. Due to the data breach, many companies end up losing revenues in sales, additional repair costs of the application and legal fees, all of which can be avoided with the right preventive measures.\nOrganizations have been earnestly taking precautionary measures against risks, continuous compliance of their environment and proactive IT operation processes. Since each major security standard involves an evolving set of specific requirements, achieving security compliance can be complicated, costly and challenging.\nAchieving compliance within a regulatory framework is an ongoing process. Organizations, environment is always changing, and the operating effectiveness of a control may break down. So, choosing an appropriate compliance policy, applying effective controls, regular monitoring and reporting is a must. An automated compliance monitoring can be the solution. Data analytics are now well established as a very effective way to monitor and test many forms of transactions and other activities that are impossible to examine manually.\nIn summary, we understand that security non-compliance can cost heavy to business and its reputation. So, to the online platform this is not a choice anymore. Based on the nature of business and the geographies of operation though analysis is needed to understand and apply the security compliances. Continuous evolving strategy should be planned to ensure the business is always complied to the latest compliance and technology needs.", "domain": "finance"}
{"url": "http://willardjones.com/2017/01/03/2017-predictions/", "date": "2024-03-03T09:00:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476211.69/warc/CC-MAIN-20240303075134-20240303105134-00536.warc.gz", "language_score": 0.9430145621299744, "token_count": 1054, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__69196543", "lang": "en", "text": "The 2017 Crystal Ball\nHere we go again. Another new year, another fresh set of predictions. Before we project what lies ahead for the next 12 months, let’s first see how we fared last year:\n1) Leasing activity will remain strong for the majority of 2016, but activity will start to show some very subtle signs of slowing down towards the end of the year. True.\n2) 151 North Franklin will be the last new office building constructed in this development cycle. False, thanks to 625 West Adams.\n3) Landlords will be forced to continue raising rents to account for the property tax increase. Generally true, although taxes are not the only reason for this.\n4) Many tenants will be furious once they receive their pass through bills or net rent increases, thereby making life miserable for landlords, property managers and leasing agents. True for the most part, although the reaction has not been as bad as feared.\n5) The tax increase will also have a direct impact on retail and residential real estate. Retailers will be forced to raise prices and apartment rents will rise, as Chicago will become one of the more expensive cities in America to conduct business. True.\n6) Sales activity will begin to decline in 2016. Because so many properties have changed hands over the past two years, there are simply not that many left to sell. True.\n7) Firms not in dire need of expansion space will use the upcoming presidential election as a convenient excuse to put off decisions. With some exceptions, mostly False.\n8) A notable technology firm will be the first to take the plunge and sign a significant lease in Goose Island, thereby laying the groundwork for this corridor to become the next growth market in downtown Chicago real estate. False. Still waiting.\n9) A grocery store will sign a lease in the Loop this year to cater to the rapidly growing residential population in the central business district. False.\n10) A combination of the tax increase, high crime rate and sustained issues with the police department and Chicago Public Schools will be cited as a key reason for a significant corporation pulling their headquarters out of downtown Chicago and relocating to either the suburbs or another part of the country. False, for now.\nSo, half of my predictions came true. Not bad for one of the most unpredictable industries out there. Let’s now see if I can improve upon my predictions in 2017:\n1) With the increased supply caused by new construction and resulting shadow and sublease space, total vacancy will rise by approximately 1.5%.\n2) Average rents will increase slightly in the first half of 2017, then begin to plateau for the second part of the year. Average tenant improvement allowances, rent abatement and other incentives will remain about the same as last year.\n3) The Old Post Office will land a significant anchor tenant who will occupy over a quarter of the building. Other smaller tenants will commit as well over the course of 2017, as this notable redevelopment becomes a quick success.\n4) The bloom will be off the Fulton Market rose just a bit, as several of the new office buildings either planned or under construction will struggle to fill space. This will lead to a slowdown of new development projects for a while.\n5) The sales market will remain quiet for most of 2017. In the fourth quarter, however, things will begin to loosen up just a bit and price expectations will be dialed back a notch. This will allow for some of the investors who had been sitting on the sidelines for the past few years to start getting back in the game.\n6) Just when we thought Loop office development would be on hiatus for a few years, the market will be shocked by one more announcement: a new tower located on the General Growth site at 110 North Wacker Drive to be anchored by a well known, Fortune 500 tenant who will take occupancy in early 2021.\n7) In spite of the planned redevelopment of the Tribune Tower, CIM Group will decide keep floors 3 – 7 for office use and sign WGN Radio to a long term lease. As part of the new deal, they will be forced to abandon their ground floor studio, which will be leased to a national retailer for $300 per square foot.\n8) Leasing activity will remain slow in Goose Island. However, the city will announce a series of notable infrastructure improvements that will make this sector much more accessible to prospective users long term. Success will come, just not as fast as most hoped.\n9) As part of the City of Chicago’s astonishing decision to legalizing sports gambling, plans will be announced to construct a land-based casino on the site of the former Michael Reese hospital, kicking off a billion dollar development which will include hotels, retail and housing.\n10) Let’s try this one once more: A grocery store will sign a lease in the East Loop this year to cater to the rapidly growing residential population in the central business district.\nTo say the least, it will be interesting to see how this all plays out. Check back in a year to see how I fared. Best wishes to everyone reading for a happy, healthy and prosperous 2017!", "domain": "finance"}
{"url": "https://www.sportslab.com.au/faq/proin-nec-justo-leo-quis-facilisis-ant/", "date": "2023-12-03T04:26:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100484.76/warc/CC-MAIN-20231203030948-20231203060948-00196.warc.gz", "language_score": 0.9373829960823059, "token_count": 134, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__44499423", "lang": "en", "text": "Our Payments and Funds\nMost of our services are covered by private health fund rebates and with the new Medicare Enhance Primary Care Plan, some services are covered by Medicare (terms and conditions apply). In addition, both our clinics are equipped with HICAPS, which allows you the convenience of ‘on the spot’ electronic claims and payment from participating health funds, saving you time and money.\n- Payment is required at time of consultation.\n- 24 hour cancellation notice is greatly appreciated.\n- HICAPS payment facility is available.\n- Eftpos payment facility is available.\n- Credit cards accepted: Visa, Mastercard and AMEX.", "domain": "finance"}
{"url": "https://www.magnusmode.com/fr/2023/08/11/mt-bank-and-magnuscards-collaborate-to-support-customers-with-autism-or-neurodiverse-abilities/", "date": "2024-04-19T15:22:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817438.43/warc/CC-MAIN-20240419141145-20240419171145-00411.warc.gz", "language_score": 0.9424406886100769, "token_count": 1436, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__116133092", "lang": "en", "text": "BUFFALO, N.Y., June 14, 2021—M&T Bank announced it will be the first U.S. bank to team up with MagnusCards® by Magnusmode, a free app dedicated to making the world a more accessible place for people with neurodiverse abilities. The collaboration will create new digital guides that provide visual cues and step-by-step instructions to help people access fundamental banking services. Available through the MagnusCards app, M&T Bank’s digital “Card Decks” are designed to increase banking accessibility for all, and are offered free to users.\n“Launching M&T Bank’s MagnusCards will help us create a more inclusive, welcoming bank and expand our capabilities to meet the unique needs of our diverse community of customers,” said Sonny Sonnenstein, Chief Information Officer for Consumer, Business and Digital Banking at M&T Bank. “We are excited to work with Magnusmode – not only because they’re an inspiring local startup, but also because their product is incredibly intuitive and well-designed to support our customers.”\nDigitalized Guidance Through Storytelling\nUsing digitalized “Card Decks,” the MagnusCards app guides users through tasks and activities that might otherwise feel challenging or overwhelming. As Magusmode’s very first U.S. bank partner, M&T Bank is offering an expanding “life skills library” that provides practical guidance through storytelling Card Decks, helping users navigate daily tasks and experiences that may become overwhelming without assistance. It uses applied behavior analysis methods, offering prompts and positive reinforcement to support experiential learning.\nIn addition to banking and money management, the app provides accessibility support for public transportation, healthcare, shopping, school and other places and activities people need to access as part of their daily lives. The app’s users include people with autism, down syndrome, acquired brain injury, dementia, ADHD and other cognitive disabilities.\n“Confusing or complex services can create barriers for people with autism and other cognitive disabilities. Our assistive technology helps companies eliminate those barriers and welcome, support and enable people on the autism or disability spectrums,” said Magnusmode Founder and President Nadia Hamilton. “In M&T Bank, we found partners who understand the importance of leveraging technology to create practical tools that improve the everyday experiences of all people.”\nEmployee Advocacy Led the Way\nM&T’s Disability Advocacy Network (DAN), an employee-led group that advocates for the needs of people with disabilities, identified MagnusCards as a potential opportunity for the bank, and guided its implementation and launch, working alongside M&T’s technology team and colleagues throughout the bank.\n“Our MagnusCards will help people count money, use their debit card to purchase things, withdraw cash from an ATM or teller, and deposit cash and checks into an ATM,” said David Zolnowski, president of DAN’s Western New York chapter and a parent advocate whose son has Down syndrome. “Each of these essential guides will be extremely helpful to people with disabilities.”\nDisabled Family Members Helped Develop the Product\nWNY DAN member Stephanie Tisdale, a vice president and strategic initiatives lead at M&T, also played an important role in launching M&T’s MagnusCards. She asked her 17-year-old brother, Diarllo, who is on the autism spectrum, to serve as the “acting talent” in the production of the visuals for the Card Decks. While the ask was a bit outside his comfort zone, he jumped at the opportunity when he learned how his participation would help other people with disabilities.\n“The Disability Advocacy Network wanted real people involved. We didn’t want actors, but people who would directly benefit from our collaboration with Magnusmode,” Tisdale said. “My brother is never one to be the center of attention, but when he heard it would help people, he was all over it. It was inspiring to see Diarllo contribute to something so important. I want my brother to have the opportunity to live independently, to be able to access the services he needs and to feel like he belongs. The MagnusCards app will be so empowering for him and all people with cognitive disabilities.”\nA New Wave of Digital Banking Tools\nM&T’s MagnusCards launch comes amid the bank’s ongoing push to provide new and innovative digital tools and resources to help customers manage their money. A few highlights include:\n- Money Smart’s Cash Flow – M&T has expanded M&T Money Smart, the budgeting and money management tool available through its online and mobile banking platforms, with new features that help customers plan for the future. Cash Flow is a tool that allows users to visualize how money moves into and out of their accounts each month. It uses advanced analytics informed by past transactions to provide users with a simple display of their daily spending power.\n- Money Smart’s, The Goals – Money Smart was also updated with a Net Worth tool to help users track financial worth in real time. It combines checking and savings accounts, retirement accounts, property, investments, bonds, debt and more to show a visualization of net worth and how it changes over time. The Goals tool in Money Smart helps users achieve savings, debt payoff and retirement goals. It creates timelines and visualizations that are automatically updated as users put money toward a savings goal or pay down debt.\n- Financial Education Center – M&T created an online Financial Education Center to help its customers and communities access educational resources that deepen their financial literacy. Its self-directed learning materials are organized into life-stage educational bundles – such as Banking for Families, Becoming a Homeowner, Banking for Entrepreneurs and others – to help people find the insights and information they need for their moment in life. The Financial Education Center can be visited at mtb.com/financialeducation.\nAbout M&T Bank\nM&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s principal banking subsidiary, M&T Bank, operates banking offices in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia. Trust-related services are provided by M&T’s Wilmington Trust-affiliated companies and by M&T Bank.\nFounded in Toronto, Ontario, Magnusmode was a 2018 winner of the Buffalo-based startup competition 43North. The company is currently based in 43North’s accelerator and office space at Seneca One in downtown Buffalo, where M&T recently launched its Tech Hub.\nMedia Contact: Julia Berchou, (716) 842-5385, firstname.lastname@example.org", "domain": "finance"}
{"url": "https://www.visionxs.co.uk/upcoming-events/postcovid19workshop/", "date": "2020-10-19T23:54:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107867463.6/warc/CC-MAIN-20201019232613-20201020022613-00555.warc.gz", "language_score": 0.9275747537612915, "token_count": 441, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__56825759", "lang": "en", "text": "The attraction industry is facing a huge challenge as a result of the global pandemic. This workshop offers solutions that give the industry an opportunity to return to business in a stronger position and with more resilience. It is aimed at attractions who are optimistic and feel that an investment would be a suitable solution or strategy to break free from the current circumstances. View full details here.\nSeptember 29th – October 2nd, Wallingford, Oxfordshire.\n- Analyse profit and loss across different types of days\n- Explore different business models and build more resilience into the income models\n- Assess the available market and adjust tolerances for uncertain attendance over the next 18 months\n- Review the current visitor experience and identify what is needed to improve it, plus test out potential new additions over the next 5 years\n- Develop an immediate working cash flow to help the business through the next 18 months and then beyond for 5 years\n- Create a cost model capital plan\n- Develop an operational cost model control\n- Plan monthly cash flows for the next 5 years\n- Test out different model sensitivities\n- Carry out a high strategy risk assessment\nHow is the workshop delivered and what is the cost?\nThere are two options, both will operate under strict social distancing guidelines, and they both have a pricing structure that reflects the current difficult financial situation:\nOption 1: In Wallingford, South Oxfordshire over the course of four days 29th September – 2nd October. For up to four delegates.\nInitial deposit paid on booking £1,000 + VAT followed by 12 x monthly DD payments of £166.67 + VAT. Total cost: £3,000 + VAT for up to four colleagues.\nOption 2: The same programme content but hosted either onsite at your attraction or in Wallingford at a different time. For up to four delegates.\nInitial deposit paid on booking £6,000 + VAT followed by 12 x monthly DD payments of £500 + VAT. Total cost: £12,000 + VAT\nPlease note the above costs include lunch each day and whilst we can help you find accommodation you are responsible for the cost of it and evening meals.", "domain": "finance"}
{"url": "https://ronihirsch.wordpress.com/dissertation-abstract/", "date": "2023-06-08T10:51:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224654871.97/warc/CC-MAIN-20230608103815-20230608133815-00149.warc.gz", "language_score": 0.9453306198120117, "token_count": 2465, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__276655390", "lang": "en", "text": "The Price of Risk: What the Rise of Finance Can Teach Us About Justice\nThe dissertation traces the bond between risk and profit from its classical origin to its culmination in contemporary finance. Specifically, it dwells on the interwar period, during which securities exchanges were redefined as markets for risk, subject to their own logic of supply and demand. Combining intellectual and institutional history, the dissertation shows how financial markets emerge in this period as the ultimate means for transferring risks from the risk-averse ‘masses’ to a handful of risk-takers, significantly skewing the distribution of the rewards of economic production. The pricing of risk, as a technical problem for economists as well as regulators, thus reveals a fundamental political problem that challenges widely held beliefs about the liberal subject, democratic rule, and distributive justice. As I argue in The Price of Risk, the presence of uncertainty reverses liberal commitments to equal dignity and opportunity, justifying new social asymmetries in the name of greater security.\nUncertainty, I propose, is a problem for justice when actions and outcomes are misaligned, and when this misalignment is broadly anticipated by the members of a political community. The dissertation offers an original interpretation of the tradition of political economic thought since the late eighteenth century, as a series of market solutions to this specific problem, which utilize a language of risk and reward. Adam Smith’s master of industry, Frank Knight’s entrepreneur, and J. R. Hicks’ speculator were new social protagonists that were introduced to personally carry the uncertainties of capitalist production and exchange. Each presupposes, and profits from, the general need of the many for a regular, guaranteed return for their efforts. Divided into three parts, the dissertation discusses the meaning and limitations of these market solutions and the obstacles they pose for an effective politics of risk. It concludes by presenting an alternative approach to risk in the politicization of danger by a new type of social movement.\nIn the first part of the dissertation, I show how the idea of ‘profit’ displaced private property and the proprietary citizen as the governing ideals of liberal market societies, substituting hierarchy and difference for self-governance and autonomy. Chapter One begins with a comparison of property and profit as two competing frameworks for economic thought. If private property relied on the atomist sameness of all political actors and an indisputable sovereignty over one’s own domain, profit, rising as an analytic category in the eighteenth century, came with an alternative set of values. Profit highlighted difference and invented a new hierarchy pitting responsible leadership against directed labor. The chapter closes with a discussion of Adam Smith’s theory of profit in Wealth of Nations as a socially distributed market-rate, which essentially transfers the costs of the entrepreneur’s “risk and trouble” to society at large. Smith’s “master of industry” is thus rewarded for her active employment of capital, but is personally spared much of the regular costs of risk. In return, she is limited in the rate of profit she can extract, in the interest of general social progress and prosperity.\nChapter Two shows how the transformation of modern corporations and the radical revision of the economics discipline at the turn of the twentieth century changed the meaning of profit, while retaining its fundamental social asymmetries. As utility came to describe all market aims and gains, a perfect balance, or equilibrium, of supply and demand left no room for something like a residual money income. In response, Frank Knight (1921), a Chicago economist, redefined profit as belonging to a realm outside of market laws, the reward for a small subset of humanity engaged not in mechanical market exchange, but in taking on the inherent uncertainties of economic life. Entrepreneurs would promise a predetermined future return for present labors and investments, thereby eliminating uncertainty for the great masses of society. Knight’s theory of risk and profit thus lays the foundation for a dichotomized humanity, which is also asymmetrically rewarded along the risk line.\nThe second part of the dissertation focuses on the market as a system of risk allocation, in theory and in practice. In Chapter Three, I present the main principles of the market for risk as it emerged from John M. Keynes’ and John R. Hicks’ work on dynamic economics, in Cambridge and the London School of Economics, respectively. In Hicks’ dynamic equilibrium model, irreducible economic uncertainties can be traded for a profit in the open market. Risk, in other words, could itself be subjected to a logic of supply and demand. Just like for Knight, the model relies on a ‘Machiavellian’ opposition of passions, as the fearful many, the hedgers, offload their risks into the hands of profit-seeking speculators. Though all risk-bearing activities now happen squarely within markets, the distributive outcome is similar to Knight’s: conspicuous rewards for the few, and security for the many.\nChapter Four places my account of early financial thought in the context of a broader narrative on the rise of neoliberalism, which sees it as the spread of market logic. The chapter makes use of the market for risk as a case study of this larger phenomenon, focusing on the role of widespread market idealizations in structuring the debates around financial regulation and scientific market forecasting. The chapter follows the idea of equilibrium and the opposition of hedgers and speculators as they come to define and legitimize many of the speculative practices taking place in the commodities and securities exchanges, primarily in New York and Chicago. The broad acceptance of these ideas, as I show, is not limited to practitioners and is frequently invoked by market critics from the private and the public sectors. The chapter points to the formative role of market ideals, and further argues that the unique character of the commodities exchange helped establish speculator hegemony and market autonomy as regulatory principles. By pointing to the convergence of conflicting parties around a common set of ideals, the chapter articulates the limits of a politics of risk which relies primarily on regulation.\nThe third part of the dissertation offers a political horizon for change. If markets and insurers offer ways to reallocate risks among a given population, social movements have used risk attribution strategically and symbolically in order to transform the language of personal responsibility into one of structural inequality. Chapter Five draws on the experiences of the risk-based, intersectional organizing of new social movements, studying their radical forms of resistance to the privatization of responsibility. In particular, I focus on the environmental justice movement (EJM) of the 1980s and 1990s, which used the forensic logic of risk attribution to reshape common conceptions of marginalized communities and the power asymmetries that shape them. Committed to broad participation, the EJM allows for heterogeneous communities to form in the face of prospective danger. Bringing together the sociology of risk, social movement theory, and critical race theory, the chapter argues that such movements are crucial in reframing the problem of uncertainty and justice as one of distribution, rather than allocation, paving the way for a participatory politics of risk.\nBy the late-twentieth-century, financial markets, which organize all markets, are broadly structured around the division between the risk-takers and the risk-averse. Its “products” are founded on a similar dichotomy between risky assets, which earn variable returns, and risk-free assets, which earn a fixed return over time. The dissertation concludes that, in permitting the financial system to run as if its outcomes are already accurate and its prices always right, one risks its recurrent interruption by an irreducible and largely ‘suppressed’ uncertainty, as evidenced by the financial crisis of 2007-8. But in its limitation to this stylized ideal, I argue, financial theory also opens up a space beyond it, for non-economic theories of uncertainty, just like Knight used a highly abstract equilibrium model to define a social ontology that extends beyond markets. It is within this space that both regulators and movements can develop a politics of risk. The first are tasked primarily with holding financial markets to their promises of stability and a fair price for risk, increasing access to these markets, and tempering their effect on wealth accumulation. Movements, on the other hand, are charged with identifying the subjects of risk, making them visible, and creating the discursive and institutional disturbance necessary for their incorporation in a broader debate about social distribution.\nThe dissertation’s contribution lies in three central areas. First, it points to the historical need to think about democratic liberalism beyond the framework of private property. The dissertation identifies an actual shift in economists’ focus, as profit became a central category while interest and rent receded to the background. It further shows how, with the decline in the importance of private property for understanding progress and productivity in society, the virtues of property ownership were similarly replaced with initiative, responsibility, and daring, the supposed virtues of enterprise. As much of the debate around justice continues to seek the kinds of self-government and equal dignity bestowed by property, one must ask how this material transformation might affect these goals, and their appropriateness.\nSecond, the dissertation identifies an ambiguity around a key claim made by critics of neoliberalism—namely that this new constellation of power/knowledge involves the unhealthy spread of market logic. In response, the dissertation points to the plural, historically situated meanings of the term ‘market logic’, on the one hand, and the tendency within political theory to bracket the actual mechanics of markets, on the other. By focusing on the emergence of a market for risk, the project identifies the anonymized, divided subject of risk as one type of neoliberal subject. In addition, by understanding how finance purports to offer safety, I have proposed an alternative explanation of the push to expand this particular ‘market logic,’ necessitated by the internal principles of risk-reallocation. Such an explanation, grounded in the way ideas have shaped financial institutions and behaviors, also aims to supplement available narratives on financialization which focus on its incredible profits, without engaging the sources, real and imagined, of these profits.\nFinally, the dissertation reframes the question of justice and inequality by identifying the pervasive role of uncertainty in shaping economic life. It offers an alternative analysis of capitalist market society not from the perspective of capital accumulation, but from the inherent doubt about future rewards. The picture which emerges shows the extent to which markets are organized around the minimization, elimination, or reassigning of risk, to guarantee the many a life free of fear and loss. In this view, therefore, the market for labor becomes one of the most important functions of a capitalist system, namely the ability the extend to labor a regular wage—a function severely undermined in recent decades by the rapid expansion of a contingent-labor class. From the perspective of uncertainty, moreover, individual risk-taking had emerged as a necessary solution, and markets were increasingly expected to reward risk-taking, maintaining a permanent asymmetry in the distribution of income in society.\nThe problem of justice is further complicated by the limits of the politics of risk. Risk allocation mechanisms—from insurance to the risk-benefit calculations behind the siting of a landfill—lack the language to reflect on their own outcomes for society as a whole and often disguise their less voluntary aspects. Regulators, moreover, are often bound to the very same technical languages produced by such systems. In order to overcome the limitations of governmental risk-reallocation, the dissertation identified more effective political strategies, that allow movements to interact fruitfully with regulators and administrators. Exemplified in the case of the EJM, movements have been able to force the recognition that risk-reallocation carries broad social implications. In some cases, movements have also successfully demanded redress for the historically skewed distribution of risks and rewards. In their activism, movements have thus offered ways to counter the depoliticizing, often alienating effects of the language of risk-management, in particular when it comes to marginalized communities.", "domain": "finance"}
{"url": "https://stcats.org.au/fees.php", "date": "2023-12-04T20:44:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100534.18/warc/CC-MAIN-20231204182901-20231204212901-00404.warc.gz", "language_score": 0.8962538242340088, "token_count": 333, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__60239041", "lang": "en", "text": "There is an $80 discount for all female members (exluding Mini Cats and Big Cats) and is additional to the early bird discount.\nThe fees for the 2024 season are as below:\n|Early Bird*||Season Fee|\n|Mini Cats (age 3 - 5)||$90|\n|Big Cats (under 9 - under 11)||$60|\n|U6 - U8||$290||$315|\n|U9 - U13||$315||$340|\n|U14 - U18||$345||$370|\nNOTE: The prices indicated above are inclusive of GST for the 2023 season.\nTo register go to MyClubMate and complete all details.\n* To receive the Early Bird discount, fees must be paid at one of the Signon days in February.\nSt Cats provides a family discount of $30. This discount is for the second and subsequent players from the same family. This excludes the Mini Cats program.\nParent Participation Fee\nThere is a $50 Participation Levy to be paid with sign on fees. The Club is a community organisation and each family is requested to help out during the season. At least 2 field setups and 1 additional task OR 2 additional tasks, eg 2 Working Bees. If you are unable to meet this obligation, the $50 Participation Levy will be forfeited. Please ensure you register your participation by using the QR Code on the back of the equipment room door. Additional tasks include Photo Day, Working Bees, Presentation Day/s, helping with Fundraising activities. Coaching and managing also count towards Parent Participation.", "domain": "finance"}
{"url": "https://www.marcuscenter.org/series/broadway", "date": "2022-05-16T17:45:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662512229.26/warc/CC-MAIN-20220516172745-20220516202745-00043.warc.gz", "language_score": 0.9053633213043213, "token_count": 110, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__91978038", "lang": "en", "text": "The Marcus Center team is actively working in collaboration with state and local government officials and following local, state and federal health guidelines.\nRest assured, if we need to cancel any performance, the value of your ticket is safe. You will have the option of a credit, refund, or the ability to donate the value of your tickets to the Marcus Center. If you are participating in a payment plan, the value will be applied to the remaining payments on your account.\nFor COVID related policies, please reference our COVID resource page: COVID", "domain": "finance"}
{"url": "http://1j7d.thedublinproject.com/Finance/resume/ellen-su", "date": "2024-04-24T11:42:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819273.90/warc/CC-MAIN-20240424112049-20240424142049-00121.warc.gz", "language_score": 0.8507927656173706, "token_count": 692, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__67230091", "lang": "en", "text": "Verified Expert in Finance\nManagement Consulting Expert\nEllen specializes in answering her clients' complex financial and analytical questions with innovative techniques. She is excited to bring to Toptal clients a vast set of tools to employ on analytical projects. Her unique talent is a seamless combination of data sourcing, programming, financial analysis, storyboarding, and visualization.\nPark City Finance, LLC\n- Constructed a custom budget model for a multi-billion-dolllar real estate portfolio. The model generated fullly custom financial statements for each individual property that then rolled up into regions and corporate.\n- Built extensive retail models for an eCommerce business to analyze sales over a wide variety of SKUs and wholesale partners. Created custom metrics to monitor for opportunities to expand the assortment at various retailers.\n- Tightly integrated the data warehouse with analytical tools with SQL, PowerPivot, and Power BI.\n- Created pro-forma financial statements for a pre-revenue company that included debt convenants and headcount detail.\nUBS Warburg Energy\n- Set up and managed the interest-rate and foreign-currency hedging operation for the energy-trading subsidiary of UBS Warburg.\nDirector of Financial Trading\n- Structured and executed interest-rate swaps and swaptions on up to $750 million in notional principal, including amortizing structures.\n- Devised currency-hedging strategies for various internal and external exposure.\n- Managed a $2 billion Canadian fixed-income portfolio.\n- Traded US Treasury and Eurodollar futures as well as sovereign cash instruments.\n- Traded spot, forwards, and par forwards, in all major currencies.\nMunder Capital Management\n- Managed over fifty institutional fixed-income portfolios.\n- Traded mortgage-backed securities, agency debentures, and U.S. Treasuries.\n- Designed and programmed a fixed-income trading application used by the entire fixed-income department for portfolio management, trading, and trade clearing.\n- Worked on fixed-income derivatives and equity proprietary-trading desks.\n- Managed all interest-rate and foreign-currency exposures for a $1 billion portfolio.\n- Developed and implemented exotic dual-commodity, path-dependent option models.\n- Valued asset acquisition and divestitures, including a $170-million physical-asset acquisition.\nChartered Financial Analyst (CFA) in Financial Analysis\nAssociation for Investment Management and Research - Nationwide (USA)\nMaster of Business Administration in Finance and Corporate Strategy\nRoss School of Business, University of Michigan - Ann Arbor, Michigan\nBachelor's Degree in Finance and Accounting\nWharton School of Business, University of Pennsylvania - Philadelphia, Pennsylvania\nStanford University | via Coursera\nHow to Work with Toptal\nToptal matches you directly with global industry experts from our network in hours—not weeks or months.\nShare your needs\nChoose your talent\nStart your risk-free talent trial\nTop talent is in high demand.Start hiring", "domain": "finance"}
{"url": "https://www.martinreillymazda.ie/configurator/index.cfm?fuseaction=mazdadealer.offers&modelID=796&pID=4", "date": "2019-10-14T03:13:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986649035.4/warc/CC-MAIN-20191014025508-20191014052508-00520.warc.gz", "language_score": 0.8647767901420593, "token_count": 300, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__124321219", "lang": "en", "text": "Mazda3 GS 2.0P Hatchback PCP Finance Example\n|36 Monthly Payments\n|Term of Agreement\n|| 37 months\n|Customer Deposit (30%)\n|Amount of Credit\n|Guaranteed Minimum Future Value\n|Option to Purchase Fee\n|Total Amount Repayable\nOffer valid until 31st July 2019\nAll new Mazda cars come with a 3-year/100,000km manufacturer’s warranty and 3 year’s European Roadside Assistance.\nModel shown may not be to Ireland specification. Colours and some exterior and/or interior elements may differ on screen from the actual model. Price does not include metallic / mica paint. Prices exclude Dealer related charges.\nFinance example above is based on a 37 month PCP (Personal Contract Purchase) plan. €1000 deposit contribution is only available for vehicles purchased via Mazda Choices. Lending terms and conditions apply and a guarantee may be required. Figures are subject to change without notice. All finance is subject to status and is available to over 18's in Ireland only. Guarantees and indemnities may be required. Warning; you will not own the goods until the final payment is made. Finance is provided by BMW Financial Services (Ireland) Ltd is trading as Alphera Financial Services, Swift Square, Santry Demesne, Dublin 9. BMW Financial Services (Ireland) Ltd trading as Alphera Financial Services is regulated by the Central Bank of Ireland.", "domain": "finance"}
{"url": "https://cscbagadia.in/banking-services/", "date": "2023-06-04T14:41:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649986.95/warc/CC-MAIN-20230604125132-20230604155132-00558.warc.gz", "language_score": 0.9402804374694824, "token_count": 252, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__161661883", "lang": "en", "text": "In 2010, the Reserve bank of India (RBI) issued guidelines to Banks for delivery of financial services through the CSCs to bring citizens in rural areas under the ambit of financial inclusion. CSC SPV has since partnered with 42 public and private sector banks and regional rural banks to leverage its last mile network to bring the unbanked, especially marginalized communities and women under banking. Under this partnership,CSCs across the country can become Business Correspondent Agents / Customer Service Points to deliver banking facilities to citizens, such as:\nOpening of Accounts (Manual)Opening of Accounts (eKYC)Money DepositMoney WithdrawalBalance enquiryRecurring/Term Deposit\nDuring 2016-17, banking services of 36 banks – 23 PSU Banks and 13 Rural Banks – have been made available through 11,940 BC Points across the country.During the financial year, 382.71 lakh transactions worth Rs. 5,70,163.61 lakh were done by these BCs.\nDuring 2016-17, 1,26,309 VLEs have registered under Digi Pay service. Around 28.351 lakh successful transactions have been made at CSCs under Digi Pay to withdraw Rs. 17,901.89 lakh.", "domain": "finance"}
{"url": "http://www.buycheapsoftware.com/policy.asp", "date": "2016-08-26T23:18:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-36/segments/1471982296721.55/warc/CC-MAIN-20160823195816-00032-ip-10-153-172-175.ec2.internal.warc.gz", "language_score": 0.9016603231430054, "token_count": 766, "dump": "CC-MAIN-2016-36", "global_id": "webtext-fineweb__CC-MAIN-2016-36__0__112708331", "lang": "en", "text": "Credit Cards and Prepayment: MasterCard, Visa, Discover\nand American Express credit cards are accepted. If you prefer to pay by check or\nmoney order, please speak with your sales representative. Please allow 5 business days\nfor pre-mailed checks to clear. All checks must include a contact\nperson, return address and phone number in order to be processed.\nA $20.00 fee will be charged on all returned checks.\nC.O.D.: We also accept money orders and cashier-checks\nfor COD orders in the USA only. There is a $7.50 extra charge\nadded to all COD orders. We require a photocopy of your payment\nfaxed to (310)-305-3645. The fax should be sent\nto the attention of your sales representative and include your\nname, address and telephone number. All cashiers' checks are\nsubject to bank verification prior to shipping.\nPrepaid bank wire transfers: Please contact your sales\nrepresentative or our accounting department for bank wire details.\nPurchase orders: PO's are accepted from credit-approved\norganizations for corporate, educational and government orders.\nContact one of our account managers for qualification and application\ndetails. Banking, and Federal Tax ID numbers may be required.\nUniversities The minimum PO (Purchase Order) amount for Universities is $1,000.00 USD.\n- Add applicable 9.75% sales tax (only in CA). Prices and product availability subject\nto change without notice.\n- All specials and promotions limited to stock\n- Manufactures rebates and upgrades\nrequire proof of purchase from qualifying software.\n- Not responsible\nfor typographical errors.\n- We reserve the right to limit quantities on\n- We are not liable under any legal authority for consequential or incidental\ndamages arising from shipping delays, system downtime, loss (including data), damage, or expense arising from product malfunction.\n- We expressly disclaim all warranties, express or implied,\nincluding any implied warranty of merchantability for a\n- There is a 15% restocking fee for all refused shipments.\n- Other restrictions may apply.\n2 Day VIP Shipping - Free 2 day shipping is not available on drop shipped orders. All drop shipped orders will be charged the standard rates regardless of the buyers VIP shipping status. Free VIP shipping rate is only applicable to shipments sent to the buyers own address.\nCancelled Software Orders - will be subject to our Cancellation Fee of $10, plus any shipping fees. This is to cover the costs for administrative processing of your transaction and the subsequent administrative tasks involved in the cancellation.\nThe Shipping Department is open Monday through Friday with a 7pm EST and 4pm PST cut-off time. We do not ship on Saturday, Sunday, or Major Holidays. Overnight Delivery is not offered over the weekend. Orders placed for overnight delivery before 4pm Friday, will be shipped on Monday. 90%\nof our orders are filled from our warehouse on the same day. Free ground delivery is offered on all orders, shipped within the continental US.\n- We apologize but due to high shipping fraud rates on software, we only offer tracking numbers to regular customers. If your order is placed over the weekend, your tracking number will be available on Monday when your order is invoiced and shipped. BuyCheapSoftware.com does not offer WILL-CALL, guarantee delivery times or offer any refunds for late delivery.\n- Cancelled License Orders - LICENSES FROM MICROSOFT, SYMANTEC, VERITAS have 15 days to cancel their order. Trend Micro Download Software Keycodes are non-refundable. A 15% Cancellation Fee will apply.", "domain": "finance"}
{"url": "http://www.raghee.com/", "date": "2013-12-09T21:14:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163998951/warc/CC-MAIN-20131204133318-00012-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9505626559257507, "token_count": 571, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__76887860", "lang": "en", "text": "Hello Fellow Traders,\nThank you for visiting Raghee.com. I know you will find loads of useful information, products and services for all trader skill levels.\n\"There is nothing more important than education in anything we do. I think it's more than simply a means to an end. Knowledge to seek out more knowledge led me from futures to daytrading stocks and index futures to trading forex. All the while I picked up on the synergy. I took what I knew about one market and carried it to the next. This has allowed me to add not replace these markets to my overall approach. It's something I think I bring to the table not only as a trader but as a teacher. There is not market that trades without being influenced by another and there area even more important markets that seldom trade without influencing a number of others: That's the forex market. I use what I call a \"one mind, many markets\" approach or as many traders call it \"I.A.O.T.\" It's All One Trade. When you trade with synergy because you have a better overall understanding of the markets, trading becomes less stressful and the pieces of the puzzle fit together. And it all starts with education.\" - Raghee Horner, trader & author\nRaghee in the News\nRaghee has been interviewed for newspapers, magazines and even radio shows. Click on the thumbnails to view the articles.\nForex Trading for Maximum Profit\n\"Forex Trading for Maximum Profit\" an honest step-by-step book on the methodology of Forex trading. When people ask me about the Forex market I tell them that it has the best features of all the other markets with none of the problems.\nThis book explains all of it for you and it's a great place to start. Click Here For More Information.\nMillion Dollar Forex Set-Up eBook\nThe Million Dollar Forex Set-Up is more than just a series of steps - it's a mindset. It's an opportunity to view the markets in a way that allows you to hear what the market is trying to tell you. Successful traders know there is a message that the market is always communicating. Profitable traders listen for the cadence and ignore the cacophony. Unsuccessful traders try to impose their will on the market and that's a sure path to failure!\nRegister for Bonuses\nREGISTER today to get access to the Raghee's Members Area. Registration is absolutely free! No credit card required. With membership you get email notices of upcoming FREE webinars (on-line seminars) for Raghee Members only!\n- Also receive:\n- Insider Access to Hours of Raghee Videos\n- Instruction on Charting Forex and Trading Platforms\n- Special Offers", "domain": "finance"}
{"url": "https://www.creamzo.com/post/what-is-the-currency-of-japan", "date": "2023-12-03T10:09:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100499.43/warc/CC-MAIN-20231203094028-20231203124028-00639.warc.gz", "language_score": 0.9650776982307434, "token_count": 271, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__48888757", "lang": "en", "text": "What Is the Currency of Japan?\nThe currency of Japan is the yen (¥). It is abbreviated as JPY and is represented by the symbol \"¥\". The yen is the third most traded currency in the foreign exchange market, after the US dollar and the euro.\nThe yen was first introduced in 1871, and it has gone through several periods of instability and fluctuations in value. However, since the end of World War II, the yen has become a stable currency and is widely used in international trade and investment.\nThe Bank of Japan is responsible for managing the yen and implementing monetary policy to ensure price stability and support economic growth. The yen is available in both paper notes and coins, with denominations ranging from 1 yen to 10,000 yen.\nJapan's currency and monetary policy have significant implications for global financial markets, given the country's status as the world's third-largest economy. Changes in the yen's value can have ripple effects across multiple industries and regions.\nIn conclusion, the Japanese yen (¥) is a stable and widely traded currency, playing a crucial role in international trade and investment. Managed by the Bank of Japan, the yen's value influences global financial markets due to Japan's economic prominence. Understanding the yen and its fluctuations is essential for businesses and investors operating in Japan and beyond.", "domain": "finance"}
{"url": "https://chapman-petrie.co.uk/author/jeviriepixel-com/", "date": "2023-11-28T23:17:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100016.39/warc/CC-MAIN-20231128214805-20231129004805-00428.warc.gz", "language_score": 0.9637449383735657, "token_count": 583, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__43918921", "lang": "en", "text": "We acted for a private UK investor on the acquisition of this prime Mayfair office investment in 2016. The property is fully let and income producing. The purchase was secured in a competitive process.\nWe acted for a UK Fund on the acquisition of this prime central Reading office building in 2017. The building comprises c.150,000 sq ft of office space arranged over three interlinking buildings. The property was secured in a selective marketing process for an undisclosed sum.\nWe have been involved in this pooled London office fund since its inception in 1999, representing the interests of one of the key investors, a UK pension fund. The fund has invested in several trophy office buildings in core markets including Belgrave House, 10 Grosvenor Street and Almack House. At its largest the fund had approximately £800 million assets under management.\nChapman Petrie sold this trophy retail asset on behalf of a UK Pension Fund. The newly developed property was purchased by an UHNW Asian investor for £56 million achieving a substantial premium to valuation.\nThis trophy retail and office development was acquired on behalf of a UK institution. Since the asset was purchased, rents have doubled whilst there has been substantial yield compression resulting in a significant increase in capital value.\nWe acted for the purchaser Viridis, on the acquisition of this prime development project in close proximity to Farringdon Station. The asset was acquired in a competitive bidding process from the vendor Nama. The property is still undergoing works to provide a new 140,00 sq ft prime office building.\nWe recently sold this prime multi let office building on behalf of a major UK institution. The property had been intensively asset managed over the previous 3 years including a full refurbishment and re-letting which had driven value substantially. A sale at in excess of valuation provided our client with a clean, profitable exit and provided vindication of the asset management strategy that had been implemented.\nActing on behalf of a major UK pension fund we agreed the forward funding of this new retail warehouse park. The scheme is pre-let to M & S and Next amongst others and has a projected end value of circa £35 million.\nThe property was secured at a substantial discount to the Vendor’s valuation and provided our client with a number of immediate value add opportunities through both new lettings, lease renewals and the development of new units. The park is the dominant bulky goods provision for the wealthy local catchment and demand for units on the scheme is very strong offering rental growth opportunities for our client in the future.\nWe acted for Standard Life on the acquisition of this prime central London foodstore. Comprising c.62,500 sq ft this is one of a few large foodstores in Central London and is let on a long lease to Sainsburys. The asset was acquired in an off market transaction for c.£50M.", "domain": "finance"}
{"url": "https://isessay.com/blog/financial-report/", "date": "2021-12-05T17:06:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363215.8/warc/CC-MAIN-20211205160950-20211205190950-00227.warc.gz", "language_score": 0.9490941762924194, "token_count": 1883, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__104186752", "lang": "en", "text": "Academic Writing Complete Guide\nWhy read academic articles?\nGood Academic Scholarship\nExam preparation and Techniques\nBusinesses, both large and small produce financial reports as a way of showing the directors, stakeholders, and customers their progress, the status quo of the firm and the position in which they are financial. Financial reports are prepared in time for issuance during a specific period of or to publish them and distribute to every stakeholder. As such, the financial report must have substantial details to make it as comprehensive as possible.\nDefinition of a financial report\nThis is a formal record of the financial activities and position of an organization, person, or other entity. It is presented in a structured style and is put in a way that is easy to fathom they include the basic financial statements that come with the management discussion and analysis. It has the following features:\n- A balance sheet that reports on the company’s liabilities, assets and the owner’s equity at a specific point in time\n- A statement of comprehensive income reports on the income of the company, its expenses, and profits over within a given period. If you have a profit and loss statement, you are simply providing information on the operations of the business.\n- A statement of retained earnings tackles the changes in equity of the company within the stated period\n- A cash flow statement gives information on the company’s cash flow activities especially the activities that touch on investment and financing.\nIf a large company releases the financial statement, it may be complex and might include footnotes to the financial statements as well as the management discussion and analysis. The notes describe each item on the balance sheet and expand further on the income and cash flow statement. Financial statement notes are essential and integral part if the financial report.\nHow to write a financial report\nIt is already clear that a financial report provides information on the financial health of a business or company. It includes a balance sheet, an income statement, as well as a statement of cash flows. These reports are reviewed and analyzed by financial or business managers, boards of directors, financial analysts, investors, as well as government agencies. As such, their preparation and dissemination must be timely, and it must be accurate and flawless.\nPreparing a financial report may be daunting, but the accounting involved is not very difficult.\nPreparations before writing the financial report\nBefore you can start writing your financial reports, you have to consider the following:\n- Decide on the time frame\nYou have to know the financial period that your report is going to cover. Most of the financial reports are prepared quarterly although there are companies that demand them to be prepared monthly.\nTo determine the time that your financial report is supposed to cover, it is crucial to consult the governing review documents of the organization. These can be by-laws, corporate charter, or articles of incorporation. They describe the frequency of the financial reports.\nYou can also ask an executive within the organization about the frequency of the financial reports. If you happen to the executive of your organization, consider the time that the financial report will be useful to you and take that as your financial report date.\n- Scrutinize your ledgers\nEnsure that all the contents of your ledgers are updated and well recorded. Your financial report will lack usefulness if the underlying account data is not correct. For instance, you can ensure that all the payable and receivable accounts have been processed, verify that the bank’s reconciliation is full, and establish whether every inventory purchase and product sales have been recorded.\nYou also have to consider the liabilities of the unrecorded data with regard to the date of the release of your financial report. For instance, identify if the company has received any services that have not been invoiced. Check if there are employees whose wages are yet to be paid. All these will present accurate liabilities and have to be incorporated in the financial statements.\n- Collect any missing information\nIf there is any information missing in your ledgers, track down any important document that you need to ensure that the financial report is accurate and complete.\nPreparing the balance sheet\nConsider the following steps of preparing your balance sheet:\n- Setting up the balance sheet page\nThis shows the company’s assets, liabilities, and equity accounts. This can be common stock and additional paid-in capital for a given date. The first page of your financial report should be titled as “Balance Sheet,” followed by the name of the organization and the effective date of the balance sheet. The items on a balance sheet are reported by a specific day of the year. For instance, the balance sheet may be prepared as of August 30.\n- Format your balance sheet well\nMost balance sheets have their assets on the left and liabilities or equity on the right. Others may show assets on top and liabilities or equity below.\n- Enumerate your assets\nYou have to add the title “Assets” in the first section of the balance sheet and then write the list of all the assets that the company owns. You have to start with the current assets like cash and any items that can be converted into money within one year of the date of the balance sheet. Close this section with a subtotal of the current assets.\nList the non-current assets that era not in the form of cash and cannot be converted to cash in the near future. Add all the current and the non-current subtotals and title that line as “Total Assets.”\n- List your liabilities\nThis section is labeled as “Liabilities and Equity” and should start with current liabilities due within a year followed by long-term liabilities that cannot be settled in a year. Add them together to create the “Total Liabilities.”\n- Enumerate all source of equity\nThis will show the amount of money the company would get if all the assets were sold off and the liabilities paid off. List all the equity accounts and create the “Total Equity.”\n- Add up the equity and liabilities\nSum up the total liabilities and total equity to create the “Total Liabilities and Equity.”\n- Check the balance\nEnsure that the figures you have calculated from the total assets and total liabilities and equity equal the figures on the balance sheet.\nPreparing the income statement\n- Set up the income statement page to show the amount of money the company earned and spent in a specific period. Title this page as the “Income Statement” and include the name of the company and the time that the income statement is covering.\n- List all sources of revenue and the amounts that were earned. Report on each type of revenue separately and organize them in a manner that is meaningful to the organization.\n- Report the costs of all the goods sold. To calculate the cost of goods adds the direct materials, direct labor, factory costs, as well as shipping or delivery expenses. From the total revenue, deduct the cost of goods sold and title this section as “Gross Profit.”\n- Record the operation cost. This will incorporate all the expenses necessary for running your business.\n- Incorporate retained earnings, which is the sum of all net income or net losses since the inception of the company.\nPreparing a statement of cash flow\n- Set up your statement of cash flow page and title it “Statement of Cash Flows.” List the company’s name and the period this statement is going to cover.\n- Come up with the operating activities section that must correspond to the income statement that is already prepared. Enumerate all the operating activities of the company to arrive at the “Net Cash Provided by Operating Activities.”\n- Create an investing section with a title “Cash Flows from Investing Activities.” This should tally with the balance sheet that you have prepared.\n- Incorporate financing activities\nThis is the last section of this page and should be titled “Cash Flows from Financing Activities,” and it relates to the equity part of the balance sheet. It has to show inflows and outflows from securities and debts that are issued by the company.\n- Sum up your categories\nThe three categories in your statement of cash flows should be labeled as the “Increase and Decrease in Cash.” You have the liberty to add the increase and decrease in cash to the cash balance at the beginning of the period. When you sum up these two numbers, they should equal the cash balance depicted on your balance sheet.\n- Add any crucial notes or narrative\nEvery financial statement must include the “Notes to the Financial Statements.” This contains the information that pertains to the company. You have to consider the usefulness of additional information about the finances of the company. The notes can also be about the history of the company, industry information and future plans. This gives you a chance to show the investors the meaning of the report, what it shows and does not show. The investors will see the company through your eyes.", "domain": "finance"}
{"url": "https://mantracon.org/wioa-assistance-helps-nursing-student-complete-her-degree-and-find-a-great-paying-job/", "date": "2024-04-24T06:58:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819067.85/warc/CC-MAIN-20240424045636-20240424075636-00188.warc.gz", "language_score": 0.9761571884155273, "token_count": 269, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__113309393", "lang": "en", "text": "Michelle Sanchez reports on her customer. “In April 2018, Elizabeth came to Man-Tra-Con seeking training assistance. Working 30 hours per week and in school full-time, Elizabeth was unable to support herself with her current income. She was determined eligible for WIOA services as a single adult with low income,” Michelle reports.\n“When we first met, Elizabeth had enrolled in the Associate Degree Nursing (ADN) program at Rend Lake College (RLC), but needed money to complete her education. Through WIOA training assistance, Elizabeth was able to receive help paying for tuition, fees, textbooks, supplies, and mileage reimbursement. Elizabeth also received assistance while attending the Licensed Practical Nursing program at RLC. This helped Elizabeth work as an LPN, earning a higher wage, while she completed her final semester of the ADN program,” Michelle adds.\n“In May 2019, Elizabeth successfully completed her ADN program and passed her board exams. In September 2019, Elizabeth began working as a Registered Nurse for SSM Health St. Mary’s Hospital in Centralia, Illinois. She is currently earning $20.00 per hour and loves her job. Elizabeth also loves that she is able to work very close to home while earning excellent wages,” Michelle says.", "domain": "finance"}
{"url": "http://familysupportcircle.org/programs/home-community-based-services/community-services-info/", "date": "2018-07-19T03:39:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590493.28/warc/CC-MAIN-20180719031742-20180719051742-00268.warc.gz", "language_score": 0.9197995066642761, "token_count": 245, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__22298314", "lang": "en", "text": "Family Support Circle, Inc. receives donations from local businesses to run our Food Pantry. It is opened year-round to the members of our community that are in need of assistance.\nCooking Matters Classes with Open Hand Atlanta\nFamily Support Circle, Inc. recently partnered with Open Hand Atlanta in providing our Community-Based Programs with Cooking Matters Classes.\nThe Cooking Matters Classes is a groundbreaking cooking-based nutrition education program that teaches low-income families how to prepare healthy, tasty meals on a limited budget. The six-week hands-on instruction is led by volunteer professional chefs and nutritionists.\nAnnual Holiday Toy Give-Away with Toys-R-Us\nEvery year, Family Support Circle partners with Toys-R-Us to provide low-income families with Christmas Gifts so that every child can have a blessed Christmas.\nFinancial Leadership Workshop with Wells Fargo Bank of Stockbridge\nEvery year, Family Support Circle partners with Wells Fargo Bank to provide the community with a free Financial Leadership Workshop. Wells Fargo Stockbridge Store Manager, Shomari Furtch, donates his time to talk to the families of the community about Financial Responsibilities and the best way to build up and maintain credit scores.", "domain": "finance"}
{"url": "https://ctfog.org/join-cfog/thank-you-for-your-program-donation/", "date": "2024-03-01T08:33:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475203.41/warc/CC-MAIN-20240301062009-20240301092009-00096.warc.gz", "language_score": 0.9327929019927979, "token_count": 131, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__123086585", "lang": "en", "text": "Thank you for your support of the Connecticut Foundation for Open Government programs!\nThe Connecticut Foundation for Open Government is a 501(c)(3) nonprofit organization. If you provided your contact information, you will receive a letter or an email at the end of the year acknowledging your contribution and certifying that you have made this donation as a charitable contribution and that you are not receiving any goods or services in return. Your donation is tax deductible to the extent allowed by law.\nYour support of the Foundation is an investment in protecting your right of access to government meetings and records and will help us achieve our goal of advancing Connecticut’s open government laws!", "domain": "finance"}
{"url": "https://ncha-qa.clarityclient.com/about-us/news/2021/09/29/2022-futurity-updates", "date": "2022-12-08T18:52:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711360.27/warc/CC-MAIN-20221208183130-20221208213130-00603.warc.gz", "language_score": 0.9345898032188416, "token_count": 359, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__27066869", "lang": "en", "text": "NCHA ANNOUNCES NEW ENTRY STRUCTURE FOR THE 2022 WORLD CHAMPIONSHIP FUTURITY\nFORT WORTH – The National Cutting Horse Association is pleased to announce a new entry structure, modified payment schedule and significantly reduced late payment penalties for the 2022 NCHA Metallic Cat World Championship Futurity.\nOpen horses have a single-entry fee of $3,300 that will automatically enter horses in the Open, Intermediate Open, and Limited Open levels based on the eligibility of the rider.\nNon-Pro entries will have the same single-entry structure, with a fee of $2,900. Riders will be automatically entered based on their eligibility into Non-Pro, Intermediate Non-Pro, and Limited Non-Pro levels.\nEligibility levels are based on the current NCHA leveling structure. For information regarding the leveling earnings thresholds and to check a rider’s eligibility, visit nchacutting.com/leveling.\nThe revised payment schedule includes four payments, reduced from the historic six payments. The updated payment schedule is as follows: November 1, 2021; January 3, 2022; August 1, 2022; and October 3, 2022. In addition, a 10 percent discount on entries paid in full is available. This discount also applies to horses sold through the NCHA Western Bloodstock sales.\nPenalties that have historically been as much as five times the entry fee are now limited to two times the payment throughout the entire entry timeline.\nAmateur first payments are due on August 1, 2022, followed by October 3, 2022. Additional details on the Amateur entry structure will be forthcoming.\nFor more information on the 2022 NCHA World Championship Futurity, visit nchacutting.com/futurity.", "domain": "finance"}
{"url": "https://markomlikota.github.io/", "date": "2023-09-22T20:55:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506423.70/warc/CC-MAIN-20230922202444-20230922232444-00795.warc.gz", "language_score": 0.9053301811218262, "token_count": 982, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__244220240", "lang": "en", "text": "I’m an assistant professor at the Geneva Graduate Institute (Institut de hautes études internationales et du développement, IHEID).\nMy research interests are in time series econometrics and empirical macroeconomics. In particular, I’m interested in the relation between economic dynamics and networks (think of prices across industries linked by supply chain relationships, or economic activity across countries linked via trade and capital flows).\nWe assess why a dominant currency in international trade invoicing can be replaced with another by contrasting two hypotheses stressed in recent theory: increased trade and reduced exchange rate volatility vis-à-vis the emergent dominant currency area. Our study focuses on 13 European economies that saw marked increases in the use of the euro at the expense of the US dollar for trade invoicing. We show how theory maps itself into a network which links together invoicing currency decisions across countries and develop a fitting Panel-Vector autoregression to jointly model invoicing, trade and exchange rate volatility dynamics across countries, while allowing for cross-country effects emphasized in theory. We identify for each country a “trade shock” and an “exchange rate volatility shock”, finding significant evidence in support of the increased trade hypothesis. Our estimates suggest that in countries where trade with the Euro Area increased, the latter explains almost 40% of the rise in euro invoicing from 1999 to 2019. In contrast, the impact of greater exchange rate stability against the euro is found to be insignificant. Importantly, a country’s invoicing decision is significantly influenced by those of other countries within the regional trade network. This effect operates mainly via bilateral trade linkages rather than strategic complementarities in export price setting, which point to the relevance of changes to input-output linkages in making or breaking dominant currencies.\nMany environments in economics feature a cross-section of units linked by bilateral ties. I develop a framework for studying dynamics of cross-sectional variables exploiting this network structure. It is a vector autoregression in which innovations transmit cross-sectionally only via bilateral links and which can accommodate rich patterns of how network effects of higher order accumulate over time. The model can be used to estimate dynamic network effects, with the network given or inferred from dynamic cross-correlations in the data. It also offers a dimensionality-reduction technique for modeling (cross-sectional) processes, owing to networks' ability to summarize complex relations among units by relatively few non-zero bilateral links. In a first application, I estimate how sectoral productivity shocks transmit along supply chain linkages and affect dynamics of sectoral prices in the US economy. The analysis suggests that network positions can rationalize not only the strength of a sector's impact on aggregates, but also its timing. In a second application, I model industrial production growth across 44 countries by assuming global business cycles are driven by bilateral links which I estimate. This reduces out-of-sample mean squared errors by up to 23% relative to a principal components factor model.\nModern macroeconometrics often relies on time series models for which it is time-consuming to evaluate the likelihood function. We demonstrate how Bayesian computations for such models can be drastically accelerated by reweighting and mutating posterior draws from an approximating model that allows for fast likelihood evaluations, into posterior draws from the model of interest, using a sequential Monte Carlo (SMC) algorithm. We apply the technique to the estimation of a vector autoregression with stochastic volatility and two nonlinear dynamic stochastic general equilibrium models. The runtime reductions we obtain range from 27% to 88%.\nWe develop a structural VAR in which an occasionally-binding constraint generates censoring of one of the dependent variables. Once the censoring mechanism is triggered, we allow some of the coefficients for the remaining variables to change. We show that a necessary condition for a unique reduced form is that regression functions for the non-censored variables are continuous at the censoring point and that parameters satisfy some mild restrictions. In our application the censored variable is a nominal interest rate constrained by an effective lower bound (ELB). According to our estimates based on U.S. data, once the ELB becomes binding, the coefficients in the inflation equation change significantly, which translates into a change of the inflation responses to (unconventional) monetary policy and demand shocks. Our results suggest that the presence of the ELB is indeed empirically relevant for the propagation of shocks. We also obtain a shadow interest rate that shows a significant accommodation in the early phase of the Great Recession, followed by a mild and steady accommodation until liftoff in 2016.", "domain": "finance"}
{"url": "https://tuurdemeester.medium.com/7-lessons-a-talk-in-buenos-aires-f03febbbb92b?source=user_profile---------0----------------------------", "date": "2024-04-15T12:05:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816977.38/warc/CC-MAIN-20240415111434-20240415141434-00494.warc.gz", "language_score": 0.9490897059440613, "token_count": 3148, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__157271179", "lang": "en", "text": "This is a republication of the notes, slides, and video of my Dec 7, 2013 presentation at LabitConf Buenos Aires.\nOriginally Presented Dec. 7, 2013 at laBITconf Buenos Aires\nOver the last two years, I spent eight months living in Argentina and Chile, and actually, it was here in Buenos Aires that my friends taught me about Bitcoin. They called it ‘La Moneda del Futuro’, and it was their great passion that infected me with the ‘Bitcoin virus.’\nActually, the true meaning of this Bitcoin-revolution only recently started dawning on me, and that is that Bitcoin marks the end of monetary apartheid. Let me repeat that: Bitcoin marks the end of monetary apartheid. It is the end of financial discrimination and segregation based on nationality and political privilege.\nIn the economy of Satoshi Nakamoto, there are no artificial barriers to entry, you are not asked for any papers, there are no unnatural restrictions preventing mutually beneficial transactions. Basically, if you’ve got value to offer, you’re in business!\nThis process of value creation has been happening for nearly 5 years now- and how far have we come in such a short period of time!\nSince I started recommending Bitcoin as an investment, in late 2011, there was one single question people kept asking me again and again: “why the hell should I invest in Bitcoin?”\nHowever, with the tremendous growth we’ve seen and ever more opinion leaders expressing their admiration for this technology, the mentality is clearly changing, and the main question that I get now, is “Please tell me, how in the world can I invest in Bitcoin?” And that’s exactly the question that I’ve been asking myself for all this time.\nSo in this presentation I’ve boiled down some of the insights that I think are useful into a couple of lessons. Please don’t take them as the ten commandments, but rather a humble starting point for discussion. That said, I think they have merit and it’s these ideas that inform my own investment strategy.\n1. First, and most importantly: Do Your Homework\nIf you consider investing in Bitcoin, do your very best to deeply understand what you are dealing with.\nTo invest in Bitcoin without understanding it, is like being in the middle of the ocean on a boat and not understanding your position and what the currents are. — Bitcoin is not just a vehicle for speculation, — it’s not just a currency, — it’s not just a commodity, — it’s not just a better version of paypal or western union, — it’s not just a cheaper way of transacting financially, either … Bitcoin is all of the above, and more The best way to describe Satoshi Nakamoto’s value proposition is probably to say that we are dealing with a:\n…globally distributed… …digital protocol… …for trustless and easily verifiable… …information synchronisation and… …property allocation.\nLet’s go over this definition word by word:\n- “global” means that anyone in the world can use it;\n- “digital” means that it’s super fast and nearly free;\n- “protocol” means that it is carefully constructed and approved by many;\n- “trustless” means that it’s extremely reliable & not dependent on third parties;\n- “information synchronisation” means that it can host and secure any type of contract imaginable;\n- and “property allocation” means that you can use it to determine your ownership of money or economic goods, and that you can use the network to transport property to anyone you want at any time.\nSo this is Satoshi’s gift to the world, an amazing network and community for the storage and exchange of value. And the only way to transact on that network, is by making use of digital currency units called “bitcoins”, of which there will only ever be 21 million in circulation. That is what makes these bitcoins so very special as an investment.\nAnd this is why, when you become familiar with the Bitcoin culture, you’ll bump into phrases like “one never sells all of his bitcoins”, or: “To the moon!” — pointing out the enormous long term potential of this technology.\nIndeed, people who have a profound understanding of Bitcoin, realize that their decision to start acquiring some coins might very well be the most important investment they will ever make.\n2. Don’t make things too complicated: first and foremost, focus on acquiring some coins\nAs I said, the real value of Bitcoin lies in the size and quality of its network. Sure there are many other decentralized digital currencies around nowadays, but the one with the largest and most sophisticated community surrounding it, by a clear mile, is Bitcoin itself.\nSo if you think the technology developed by Satoshi is something worth investing in, go out there and simply buy some bitcoins, or some millibitcoins, as they are called these days. Apart from the coins itself, it is also possible to invest in the ecosystem that is developing around Bitcoin: exchanges, merchant services, mining companies, escrow services, and more. It is definitely true that there are many brilliant entrepreneurs active in this ecosystem by now, and some of them created businesses that are growing very fast. However if you plan to invest, keep in mind that the Bitcoin network is designed to be a super lightweight, very open environment allowing people to transact directly with one another. That’s the essence of a peer to peer currency: it cuts out the middle man, reducing overhead to almost zero. So in other words, if you go out and invest in too many Bitcoin middle men, you might end up empty handed, or at least with less than if you had just invested in coins. It is very hard to outperform an average growth of +1000% per year, so by all means consider these periphery investments, just don’t go crazy on them.\n3. Security, security, security\nI’m going to keep this one very brief. If you invest in an asset with low third party risk, the implication of that is that nobody is taking care of you. You are responsible for the safe storage of your coins, and nobody else. So do your research and take some time to set up a secure way to store your investment for the long run.\n4. Don’t overestimate the impact of politics\nIn every practical sense of the word, Bitcoin is a global and nongeographical phenomenon. From the perspective of governments, it is like water: try to grasp it in your hands, and it flows to another place out of your reach. That’s why in general, political events will be overestimated in their eventual impact.\nWe’ve seen the seizure of the Silk Road for example, which caused BTC to drop from $125 to $85 overnight. Well, 3 days later the price was back up — the heist turned out to be a non-event. Given that many people (especially in the West) are very fearful of government and tend to overestimate its actual reach, I think that negative political shocks affecting Bitcoin are actually buying opportunities.\n5. Mass Psychology : understand and ride the wave\nTo keep with our sailing analogy, there are fundamental currents that drive the Bitcoin ship, but there are also waves and wind, which have a strong short term impact.\nWhen Bitcoin experiences a series of positive shocks (maybe a celebrity endorsement, like the one of Richard Branson recently, or a major retailer deciding to accept it), that leads to a lot of media exposure and usually a big rally in the price.\nThe rapid growth in price however, eventually puts stress on the bitcoin ecosystem, and inevitably a sort of crisis develops. The new investors panic, and the cycle enters the ‘bust’ phase. (This is the phase where Bitcoin ignoramuses triumphantly shout from all the rooftops: ‘The Bubble has popped!’.)\nIn order to survive the volatility in Bitcoin, it’s very important to be aware of this dynamic of mass psychology. Map out a strategy for yourself and try to stick with it, in order to avoid being swept away by the emotion of the moment.\n6. Understand the interaction of all things Crypto\nRecently there was a lot of news about the huge rally in Litecoin and the other alternative cryptocurrencies. And then when Bitcoin went down a bit, the altcoins dropped much more in percentage terms. Someone on reddit said “when Bitcoin sneezes, the altcoins catch a cold”.\nWell I think there is a logic to the madness, and it looks a little like this:\nThis diagram is a model of how liquidity flows through the Bitcoin ecosystem. On the left there is a huge tank of Fiat money. When the sentiment around Bitcoin is positive, money flows from the Fiat-tank into the Bitcoin ecosystem.\nFirst, people spend fiat money to buy bitcoins and the value goes up. If it looks like that they can make more money by buying mining equipment, they will also spend dollars buying Bitcoin mining rigs. As the rally continues, the new adopters are bummed out that they have to buy bitcoins at such a ‘high price’ and they start buying litecoin, peercoin, terracoin and the other alternatives to Bitcoin.\nIn that sense, we could say that the altcoin markets serve as a pressure valve for Bitcoin.\nThe same happens with the mining market: when bitcoin prices rise, the cost of mining equipment expressed in bitcoin drops, and bitcoin savers buy more mining rigs. When that happens, mining hardware manufacturers are given the signal to speed up production.\nAt some point however, the sentiment around Bitcoin begins to turn again, and the value of Bitcoin stagnates or declines. Because the markets for the altcoins hardly have any US dollar-liquidity, people exchange their altcoins for bitcoin, leading to a very quick decline in value in the altcoin markets. And in the bitcoin mining sector, at some point investors will figure that the massive investments in extra capacity have put a lot of pressure on the profitability of individual machines. Enthusiasm drops, and the stream of investments dries up — to stay with our diagram: the bucket starts overflowing and no longer seems to reward new investments.\nHowever this perception can be misleading, because, like what happened in september and october this year, the market did not take into account that Bitcoin might actually rally again, bringing the yield of mining machines back into positive territory.\nSo what is the investor to make of this dynamic?\nA possible trading strategy based on this model is to basically be a contrarian:\n- When do you invest in Bitcoin mining? When nobody thinks it is profitable anymore.\n- When do you diversify into altcoins? When Bitcoin is entering a new hype phase in the media and the price starts rising.\n- When do you sell your altcoins for Bitcoin? Well, when these are hyped as well, and are breaking records valuations compared to Bitcoin.\nPersonally I recommend trading with very conservative amounts, because you are exposing yourself to a lot of risk by moving in and out of these currency exchanges.\n7. Invest what you feel comfortable with\nDespite the attention that Bitcoin is getting in the media, it is clear that we are still in early phases of Bitcoin adoption. Merrill Lynch estimates that today not even 3 million people are to some extent savers in Bitcoin. That’s about one in every 1000 internet users, and one for every 1500 mobile phone users. And the market cap of Bitcoin is now around $10 billion. That’s a small fraction of every market that it could potentially disrupt.\nTo give an idea: the size of the remittance market is $500 billion; the e-commerce market is $1000 billion large; the US financial services industry alone is $1300 billion in size, the money supply in high inflation countries (+6%) is over $4000 billion, the value of all paper money banknotes is about $4500 billion; the size of the physical gold market is some $7000 billion; foreign currency reserves (which Bitcoin could replace) are also $7000 billion; … you get the picture.\nThese are all market places that Bitcoin technology has the power to completely disrupt, and each time this happens it will put rocket fuel under the price of the Bitcoin currency.\nWhat does this mean for the investor?\nWell, that we shouldn’t be afraid of estimating the future potential value of one bitcoin in the range of $100,000 to $1 million. In other words, the risk/reward ratio of Bitcoin is still extremely positive.\nYes, there are scenario’s thinkable in which Bitcoin as a currency would fail — but the potential upside if it keeps growing like it does today is simply spectacular.\nThat’s why I recommend investing with a conservative amount of one’s portfolio: say 1–10%, depending on your risk profile and on how much volatility you can stomach.\nIn conclusion: no need to bet the farm on Bitcoin, feel free to invest with what you personally feel comfortable with.\n— That’s it, these are my seven lessons on how to invest in Bitcoin.\nIn closing here, I just want to express why I’m so very optimistic about Bitcoin in Latin America.\nEverywhere I go in Europe or the US I feel many young people suffer from a phenomenon called ‘pronoia’ — they believe in a conspiracy of people, especially politicians, aimed at helping them. Young people tell me: “I’m not too worried, the state will surely find a solution for the debt problem.” They tell me: “Politicians will secure our deposits, they will find a way to contain inflation and keep the banks open. And the government will also find a way to keep paying for our pensions, our health care, my children’s education, etcetera.”\nI find that the young people of Latin America suffer a lot less from this pronoia disease. They instinctively know that the answer to the question of their economic well being lies not in the decision of some government official, but in their own entrepreneurship, in their own imagination, in their own effort and initiatives.\nTalking about this country in specific: right now things may look pretty bleak, but I think Argentina has amazing potential for economic prosperity. Yes, the old days can come back, when Buenos Aires was on equal footing with Paris and New York, and in many ways actually, life can become much better than it was then.\nThere is a tremendous amount of value in this country, that’s just obvious, and I think Bitcoin, which is the first truly global language of finance, Bitcoin will play an important role in helping to unlock that value.\nPost Scriptum: Here’s a short interview I did for ElBitcoin during the conference, who then published it on their website.", "domain": "finance"}
{"url": "https://letterdrop.com/blog/marketing-budgets-in-a-downturn", "date": "2023-10-02T20:37:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511021.4/warc/CC-MAIN-20231002200740-20231002230740-00443.warc.gz", "language_score": 0.9628294706344604, "token_count": 2173, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__170085449", "lang": "en", "text": "Why You Shouldn't Cut Your Marketing Budget in a Downturn\nCEO of Letterdrop, former Product Manager on Google Search\nMarketing is an investment. When done right, it directly contributes to your topline revenue.\nHistorically, in the face of a downturn, companies often panic and slash their spend, including on marketing, to stay afloat during a recession.\nThat seems to make sense, right? Tighten your belt and batten down the hatches?\nCompanies are heavily cutting marketing budgets in 2022 with the recession.\nWhat if I told you that a downturn is actually the time to step forward and shine?\nYou don't sell when people are panicking — you dig in and invest more. This is traditional investing advice. There's a land grab opportunity to buy assets (or acquire customers) for cheap when others are exiting the market out of fear.\n“Be fearful when others are greedy, and greedy when others are fearful.” —Warren Buffet\nIn previous recessions, businesses that thrivedtook action early, had a long-term vision, and focused on both growth and operational efficiency. When the market is down, a grow-at-all-costs mentality has to be thrown out since capital is a scarce resource. You also don't want to overcorrect and cut spending on things that drive growth.\nLet’s dive deeper to learn how businesses not only survived but also thrived in previous recessions.\nWhy Invest in Marketing During a Recession?\n2008 was bad. The U.S. housing bubble burst. Predatory lending and banks taking big risks on a global scale brewed the perfect storm that resulted in the worst economic crisis since 1929.\nResearchers have analyzed past recessions to understand what worked and didn't, both in 2008 and 1985. The results were surprising.\nFor example, McGraw-Hill Research analyzed 600 B2B companies and found that companies that had advertised aggressively during the 1985 crash grew 275% over those that hadn't.\n\"According to our research, companies that master the delicate balance between cutting costs to survive today and investing to grow tomorrow do well after a recession... These companies reduce costs selectively by focusing more on operational efficiency than their rivals do, even as they invest relatively comprehensively in the future by spending on marketing.\" —Ranjay Gulati,Nitin Nohria, and Franz Wohlgezogen\nFour Ways B2B Companies React to Recessions\nB2B companies approach recessions in different ways. Some hunker down and turtle. They try to patiently survive and ride it out. Others ignore the signs and continue with their old plan... which is never good. The best companies recognize growth opportunities, even if these aren't as rapid as during boom times.\n1. The Prevention-Focused Approach\nThe prevention-focused approach attempts to avoid losses and cut back on operational costs — decreasing headcount to boot. This strategy slams on the brakes and dials down their expenditure on everything. Customer experience suffers due to lowering the quality of operation. The company is trying to do more with less. Marketing gets tanked.\nFor a startup, this seemingly safe approach is dangerous because the outcome is being forgotten.\nYou're not big enough to survive being forgotten. Only the big guys can afford this. They just need to stick it out.\n2. The Promotion-Focused Approach\nWith the promotion-focused approach, companies encourage an optimistic culture and ignore the realities of a recession. While this encourages a growth-oriented mindset, the downside to this strategy is that being blind to the early signs of a financial downturn and not reacting can kill your business.\nA culture of unwarranted optimism can spread through a company, hampering critical thought during a recession. Bloated budgets are cut too late, and the business suffers or fails.\n3. The Pragmatic-Focused Approach\nThe Pragmatic strategy recognizes that cost-cutting is necessary to survive a recession. However, there's still a focus on driving growth, although slower than during boom times — survival is as important as growth during a recession. The only issue is that companies might cut costs and invest in the wrong areas. That's where the final approach comes in.\n4. The Progressive-Focused Approach\nThese companies are a refined version of the Pragmatic ones. They're selective about their offensive and defensive moves. Progressive companies cut costs by improving operational efficiency and minimally cutting bloated headcounts. It's not just a mass reduction in spend throughout.\nThey also recognize the growth opportunity that is opened up for them when their competition picks one of the first two approaches. Progressive companies outspend their rivals on both R&D and marketing in strategic areas that will get them ahead in the long term. Their goal is not only surviving the recession but also to use it as an opportunity to come out ahead.\nLet's look at the odds a company will outperform its rivals by adopting one of these strategies:\nTL;DR? The right answer is number 4. Spend on marketing during an economic downturn. Only cut on cost centers.\nApplying a Progressive-Focused Marketing Strategy\nCompetitors in your space are making moves. They'll take one of the above approaches. You need to have a plan of action.\nMove Ahead when Your Competitors Take a Step Back on Marketing\nDuring a downturn, some of your competitors willscale back their marketing efforts oreven stop them altogether. Don't follow their lead.\nYour competitors scaling back presents you an opportunity to gain market share. If your competitors are not investing in marketing, they're effectively giving you space to expand — it's like a free pass for you to attract more customers.\nWhile your competitors are cutting back on their marketing spend, pursuing new, more efficient marketing strategies allows you to gain market share. Now is the time to invest in long-term growth initiatives like content marketing. You can run successful marketing campaigns even if you don't have a massive budget.\nAlso, some of your competitors will continue to invest in marketing even during a downturn. If you cut your budget and your competitors increase theirs, you're the one making space for someone else. Marketing abhors a vacuum.\nCommunicate the Value of Your Product or Service During a Recession\nYour current clients or customers will change their spending habits. During a recession, people are generally more conservative with their spending, focusing on necessities.\nCommunicate the need for your products or services. Position yourself as anecessity, not a luxury. Adjust your marketing to demonstrate that your product or service fulfills client needs, not wants. If your customers see a positive ROI from your offering—it helps them increase revenue profitably or cut costs—you'll make a very strong case.\nTake Mailchimp, for example. During the 2008 recession, Mailchimp introduced its freemium business model — giving away basic features for free and only charging for premium features. This strategy from Mailchimp helped them acquire new customers andincrease revenue. Freemium gave clients what they needed. Premium gave them what they wanted.\nLean into ROI-based marketing campaigns to show how your product or service makes money for your customers, even during an economic downturn. Use case studies to demonstrate how you help other customers move key business metrics that can keep their company afloat. Show your audience how you're indispensable. It's doubly important during a recession.\nRead the Room — Be Helpful. Last Year's Message Isn't This Year's\nIf you continue to use the same marketing message without considering how your customer's needs and situations have changed, you will annoy them, and they will tune you out.\nYou can't afford that.\nInstead, try to provide value and help customers get through tough timeswith you. Build trust with your customers and increase lifetime value — through and beyond the recession.\nBy providing value and becoming a source of solutions, you can create a bond with your customers that will make them want to continue doing business with you — even during tough economic times.\nRide Through the Shift in Product Demand\nDemand for your product may have shifted.\nClients may be looking for cheaper alternatives to what you currently offer. They may also be looking for products that serve a different purpose from what they originally bought them for.\nYour marketing needs to take these shifts in demand into account. Adjust your messaging and positioning to reflect the new needs of your target market.\nZeus Living, a property management company, offers apartments and homes for rent to startups, students, and companies living in U.S. cities.\nThen the rental-housing market crashed in 2020 during the COVID pandemic. Zeus had difficulty keeping their business running. They lost tens of millions of dollars in revenue and had to lay off 60% of their employees.\nZeus Living saw an opportunity in the market crash and decided to ride through the shift in demand. They worked tirelessly to modify their product to satisfy the new market. They understood their target market wanted to livea more flexible, mobile, and asset-light lifestyle.\nZeus Living shifted its focus to accommodate remote work:\n\"Work From Anywhere' was becoming our main use case, and we had to figure out how to adapt. Residents were telling us that living with us was a better option than corporate housing, more flexible than short-term housing, and more appealing and easier than the unfurnished rental market.\" —Kulveer Taggar, CEO and co-founder of Zeus Living\nFrom there, they decided to add third-party homes to their platform to meet the demands of their customers in Miami, Denver, and Austin.\nEven though your instincts might tell you to cut your marketing footprint during a downturn, companies that continue to invest in marketing and make adjustments instead of cutting will see a long-term increase in sales and market share.\nMarketing isn't acost center. It's an opportunity to show your customers how you can help them survive and even thrive. If anything, it's a high-ROI profit driver when used strategically. If your marketing budgetis cut down, content marketing — blog and social posts — keeps you on your customers' radar at a low cost.\nRefocusing your marketing approach may be the smartest thing you can do for your business during an economic downturn.\nSubscribe to newsletter\nNo-BS growth strategies and content marketing tactics in your inbox twice a month.\nThank you! Your submission has been received!\nOops! Something went wrong while submitting the form.", "domain": "finance"}
{"url": "http://usd.mconvert.net/nzd/140", "date": "2018-02-18T01:34:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891811243.29/warc/CC-MAIN-20180218003946-20180218023946-00309.warc.gz", "language_score": 0.7678803205490112, "token_count": 127, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__5462991", "lang": "en", "text": "You have converted 140 USD to NZD: 189,47 New Zealand Dollars. For this operation we used International Currency Rate: 1.35336. The result will appear with every reload of the page. You can convert US Dollars to other different currencies with the form on right sidebar. If you want to know money equivalents of 140 US Dollar in other currencies see \"In other currencies\".\nConvert currency 140 USD to NZD. How much 140 US Dollars to New Zealand Dollar? — 189,47 New Zealand Dollars\nOn this chart displays history of exchange rate for USD/NZD or (US Dollar / New Zealand Dollar)", "domain": "finance"}
{"url": "https://www.amdgservices.com/schedule-appointment", "date": "2021-08-05T17:15:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046156141.29/warc/CC-MAIN-20210805161906-20210805191906-00513.warc.gz", "language_score": 0.922934889793396, "token_count": 124, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__50298578", "lang": "en", "text": "Take the First Step.\nSchedule your complimentary consultation today!\nWith clients in more than 20 states, AMDG Financial works with clients in person, via video conference, or by telephone to help you on your journey to financial well-being. Our Fiduciary GPSSM process helps us:\n- Learn about your goals and objectives;\n- Review your financial situation; and\n- Answer your questions about financial advice.\nThese initial meetings enable you to see us at work before you commit to a relationship with our firm. To get started, just complete this form! We'll be in touch shortly.", "domain": "finance"}
{"url": "https://www.loyera.com/should-you-use-a-free-billing-software/", "date": "2023-12-01T03:55:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00724.warc.gz", "language_score": 0.9210373163223267, "token_count": 636, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__180808330", "lang": "en", "text": "Businesses, small or large, prefer getting value for money and time. Therefore, whether a software is paid or free matters less and the value it generates for the business matters more.\nIt’s all about the returns you get after investing your money or effort in implementation and usage of a POS or billing software.\nA free billing software is, at times, risky to use, if it requires a lot of training, expansion cost, and installation cost & effort.\nHowever, if you choose wisely, you can find a free point of sale software that is worth your time and effort. Free software like Loyera are customizable, scalable, hardware-independent and cloud-based, enabling efficiency.\nHere are a few situations when it is justified to use a Free Billing Software for your business.\nTesting the waters\nIf you are just starting out to use a billing software and do not know what to expect, then you can start with a free billing software. Just do some background research to ensure that your chosen free software is capable of customization, business & operations scaling, and performing other essential POS activities.\nIf you are familiar with how POS and billing software work, then it is advisable to not bother much about the cost of subscribing to a POS software and focus on the returns a POS software is capable of generating for your company.\nFree Billing Software that can be scaled\nIt is important to ensure that the free POS software you choose will enable you to increase your product range, business activities, staff members, business locations, etc. without any limit. For example, Loyera allows businesses to add unlimited products, product categories, stock, store branches, and staff IDs to the POS system.\nIf your chosen software restricts your usage due to its inherent features, limited server capability, and high cost, then it can be detrimental to the growth of your business. It is wise to stay away from a restrictive free billing software.\nValue for money and time\nEven if your chosen POS system is free, it should offer you value for money and time spent to implement and use it. Value generated by a billing software can be measured by assessing acceleration in increase of revenue, improved efficiency in sales and operations, rate of optimization of inventory management, and improved revenue management.\nIf your free POS software is costing a lot in terms of hardware required to run it, staff training, reduced or no improvement in efficiency, and software replacement in case of non-scalability, then it is recommended to not purchase that free software.\nEssential POS features\nYou can choose to go for a free software as long as it offers all the essential features that a POS software should offer in today’s tech-advanced world. The essential features you should be looking for include customer data creation, data analysis, revenue management, inventory management, order management, and compatibility with different payment modes.\nIf you find these features missing in your chosen free software, then you can do more research on available POS systems. There are free billing software like Loyera, which offer all essential functionalities with room for customization and scalability.", "domain": "finance"}
{"url": "http://servicechargesettlement.com/", "date": "2018-01-22T12:25:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891316.80/warc/CC-MAIN-20180122113633-20180122133633-00059.warc.gz", "language_score": 0.941594660282135, "token_count": 484, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__93687391", "lang": "en", "text": "DO NOT CONTACT THE COURT OR CERTEGY WITH QUESTIONS. FOR IMMEDIATE RESPONSES TO QUESTIONS, PLEASE CALL THE CLAIMS ADMINISTRATOR TOLL FREE AT 1 (888) 404-8013.\nIf you have paid a service charge or processing fee to Certegy Payment Recovery Services, Inc. (“CPRS”) in connection with a returned check between January 2004 and March 2009, a consumer class action settlement may resolve your legal claim.\nA lawsuit was filed by a class of consumers in the states of Texas, Hawaii, Montana, Oregon and Kentucky who received collection notices from CPRS and paid a service charge or processing fee to CPRS in connection with a personal check returned for insufficient funds.\nA settlement has now been reached with CPRS regarding those charges and fees. Under the terms of that settlement, a monetary payment will be made by CPRS in exchange for a release of all class members' claims against it under 15 U.S.C. § 1692f. It is proposed that the net proceeds of that payment, be distributed to the Attorneys General of the respective states in the percentages set forth in the Settlement Agreement.\nNote: You will NOT receive a monetary payment from the settlement. Due to damage limitations under the federal laws at issue, and given the large number of class members, the net monetary payment will not be enough to provide individualized monetary relief to class members. Instead, the Settlement Agreement provides that modest monetary payments will be made to the Attorneys General in the states where class members reside. The Attorneys General will use those funds for consumer protection education and enforcement activities.\nYour Legal Rights and Options:\nIf you are included in the settlement, you have legal rights and options. If you did not want to be legally bound by the settlement, you must have excluded yourself by January 11, 2010. Objections to the settlement must have been filed by January 11, 2010. The Court will hold a hearing on February 1, 2010 to consider whether to approve the settlement.\nMore information is available in the Settlement Agreement, or by calling 1-866-358-3492.\n|January 11, 2010\n|Request for Exclusion Deadline|\n|January 11, 2010\n|Objection Filing Deadline|\n|February 1, 2010||Final Approval Hearing|", "domain": "finance"}
{"url": "https://www.hdfs.hs.iastate.edu/careers/?id=horstman&submission_cnt=1", "date": "2020-04-09T19:44:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371876625.96/warc/CC-MAIN-20200409185507-20200409220007-00002.warc.gz", "language_score": 0.9748756885528564, "token_count": 303, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__186546446", "lang": "en", "text": "Major: Financial Counseling and Planning\nType of experience: Internship\nCompany/Organization: First National Bank\nCompany/Organization website: https://www.fnbames.com/home/home\nTitle: Loan Operations Intern\nDestination: Ames, IA\nTimeframe: August 3, 2015- December 31, 2015\nAdvisor/Coordinator Email: email@example.com\nI was responsible for...\nDuring my internship my main responsibility was quality control of loan documents. I made sure that our loans met compliance standards and followed up with the appropriate loan officer, agency, and my supervisor to correct any issues that I found. I also learned and completed loan processor duties such as entering in data and preparing loan documents.\nI will never forget...\nI have worked for First National bank for almost 2 1/2 years but just started as in intern in August of this year. There are a lot of people that I knew of that worked there but never had any interaction with. I think the most memorable part of my internship was growing closer to my coworkers and hearing all of the compliments from them, especially the bank president, vice presidents, as well as my supervisor.\nAdvice for others...\nMy advice would be to have an open mind about different opportunities available to you. My internship wasn't directly related to my major but I still enjoyed my experience and learned a lot of valuable things from it including responsibility, communication skills, and professionalism.", "domain": "finance"}
{"url": "https://www.agxhearing.com/2012/03/14/why-do-hearing-aids-cost-so-much/", "date": "2024-03-05T08:14:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948223038.94/warc/CC-MAIN-20240305060427-20240305090427-00524.warc.gz", "language_score": 0.954884946346283, "token_count": 973, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__114515939", "lang": "en", "text": "When I talk with patients or family members who have hearing loss, I hear a lot of grousing about the cost of the hearing aids purchased. I mean, those hearing aids are so TINY, they look so fragile… and you’re telling me they cost HOW much?! Sound familiar?\nConsumers seeking hearing healthcare help are often surprised at the cost of today’s sophisticated hearing technology. And that’s understandable. A high-quality digital hearing aid usually costs between $1000 and $3000, sometimes more when paired with sophisticated bluetooth technology or other assistive listening devices. And in Alabama, hearing devices are also subject to sales tax.\nSo, is this investment worth it? When assessing the value of hearing aids, it’s important to consider the many market variables inherent to pricing, including the following:\n- Hearing aids are medically regulated devices. As such, the manufacturers who produce these devices are subject to regulation by many organizations, including the FDA, FTC, and FCC. Like many other products in the U. S. marketplace, having to meet regulation specifications by governmental agencies seldom lowers costs, and almost assuredly raises them. As regulated devices, the cost of the research and development (AKA “R & D”) required to bring these products to market is significant, and it results in products being more pricey.\n- What does R & D cost, and why is it so important? Consider that the “Big Six” (or the top six hearing aid manufacturers in the U.S. today) spend roughly $500,000,000 annually on R & D, which is quite a lot. To be precise, that figure is 14% of their combined budgets. To put this into perspective, let’s do a percentage comparison. All of us would concede that Apple is certainly cranking out state-of-the-art technology, and undoubtedly this costs the company in terms of product research and development, but by comparison, Apple expends only 2% of its total budget for R & D.\n- Remember that to date, hearing aids are the only medical devices that involve coupling an electronic device to a sensory organ. This is not an easy task. Today’s instrumentation is incredibly sophisticated, with increased chip speed and capability. Today’s hearing devices are certainly not your grandmother’s hearing aid! Nevertheless, this type of electronic capability comes with a price: It’s expensive to bring these products to market, and market share remains limited.\n- Hearing aids still have a fairly low market penetration. Of the 37 million Americans who might benefit from amplification, only about 1 in 5 actually utilize the available hearing technology. We have not seen the same price reductions that are inherent to widely used electronic devices like TVs, computers, cellphones, etc. found in virtually every household. So, what’s the result? Without sufficient market penetration, the product pricing remains higher for everyone.\n- The price you are quoted for hearing aids is seldom unbundled — this means that the cost for services of the audiologist or hearing healthcare provider, warranties, repair coverage, etc. is usually bundled into the price. Consumers often forget that there are dispensing fees inherent to well-fit hearing devices. Are these fees worth it? To answer that question, we need only consider success rates (or lack thereof) for some of the unbundled personal sound amplification products or hearing aids such often sold on the internet, whose return-for-credit rates are upward of 60%!\nIs the price tag for quality hearing devices worth it? Let’s consider the alternative…\nUntreated hearing loss results in billions (that’s right… I said BILLIONS) of dollars in lost productivity in the U.S. workforce today. To be exact, unaddressed hearing loss results in 23 billion dollars of lost efficiency/productivity, which costs all of us in the long run. And of course, without today’s sophisticated hearing device capability, the loss in communications ability, lifestyle preservation, and a myriad of other quality of life issues (even for those not employed) costs our society a great deal indeed. There is also a significant body of research that suggests that if you have hearing loss, waiting to get hearing aids can actually compromise word recognition ability. As this data indicates, delaying amplification is not without its own inherent cost.\nSo, despite the fact that the price for hearing aids may be steep at first glance, there are some very good reasons why costs may be higher than we’d like to see. If cost of recommended hearing technology is a concern for you or your family member, talk to your audiologist and explore possibilities for financial assistance or alternative technologies.", "domain": "finance"}
{"url": "https://www.paigecookcoaching.com/site-policy", "date": "2023-02-03T16:08:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500058.1/warc/CC-MAIN-20230203154140-20230203184140-00779.warc.gz", "language_score": 0.9379682540893555, "token_count": 1344, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__55846525", "lang": "en", "text": "All Paige Cook Coaching membership packages include a 10 day cooling off period.\nAfter 10 days, no refunds will be issued. 10-day cooling offs are not included in any membership packages created during or after the initial plan creation. Similarly, a free trial cannot be paused or reinstated if any membership package is canceled or downgraded before the initial trial period has ended.\nFurthermore, Paige Cook Coaching does not offer prorated refunds for canceled subscriptions. All subscriptions are recurring and will automatically renew after the end of each paid subscription period. This includes both month-to-month and annual plans.\nSimilarly, it is your responsibility to evaluate Paige Cook Coaching, including its features, limitations, and system requirements before selecting any Paid Plan.\nPaige Cook Coaching will not issue refunds to customers on the basis of customers not understanding the system requirements, or the presence of compatibility issues, including inadequate internet speed or consistency, or incompatible devices, operating systems, or browser software versions. System incompatibility based on system requirements should be tested during the 10 day cooling off period.\nFees, Refunds, and Charges\nClient (Paige Cook Coaching administrator) shall pay for all subscription fees, and hereby authorizes Paige Cook Coaching (and its payment processors) to debit Client’s bank account or charge Client’s credit card, as stated on Client’s channel subscription and billing page. The client agrees that all subscriptions are recurring and will renew automatically. The client shall also be solely responsible for paying and remitting to the appropriate tax authorities all applicable taxes (withholding tax, sales tax, services tax, value-added tax (VAT), goods and services tax (GST), etc.) or duties imposed by any government entity or collecting agency except those taxes based Paige Cook Coaching’s net income. In the event Client fails to satisfy its tax and/or duty obligations herein, Client shall reimburse Paige Cook Coaching upon demand for any taxes and/or duties paid on behalf of Client and shall defend, indemnify and hold Paige Cook Coaching harmless against any claim and/or liability (including penalties) resulting from Client’s failure to pay such taxes and/or duties.\nClient (Paige Cook Coaching administrator) acknowledges that all subscription fees are charged automatically on a recurring basis until the Client cancels their channel subscription (both month-to-month and annual plans). The client may cancel their subscription by logging into their Paige Cook Coaching Account and going to the applicable channel or billing page, clicking settings, and choosing the “Change” or \"Cancel\" options under subscription and billing. A confirmation email receipt is sent to the Client with the expiration date of the subscription.\nThe client can learn how to cancel, delete, or update their account here. Please keep in mind that you are solely responsible for properly canceling your account. You must email support before or on the payment due date. However, you can also contact support if you are having difficulty or need help.\nFor monthly dues being paid within the program, you must contact the administrator of the program to have you removed from the program, cancel your account, or unsubscribe from the program.\nAll Paige Cook Coaching subscriptions include a 10 day cooling off period. After 10 days, the chosen membership package is billed in advance on a monthly or annual basis and is non-refundable; no refunds will be issued. Paige Cook Coaching does not offer prorated refunds for canceled subscription plans. There will be no refunds or credits for partial months of service, upgrade/downgrade refunds, or refunds for months unused with an open account. In order to treat everyone equally, no exceptions will be made.\nAll subscriptions, both month-to-month and annual plans, are recurring and will automatically renew after the end of each paid subscription period.\nPaige Cook Coaching’s Refund Policy for Annual Plans.\nPaige Cook Coaching is committed to the success of our customers, but through experience, we have found that users have varying requirements, capabilities, and limitations with regard to the types of devices and software they can use, the way their local network is configured, the speed of their internet connection, etc.\nThese issues will certainly impact a customer’s ability to use Paige Cook Coaching as it is intended.\nAccordingly, Paige Cook Coaching offers a 10 day cooling off period and is happy in certain circumstances to extend the trial period for users who need more time to evaluate our software and its compatibility with their specific environment.\nPaige Cook Coaching also offers a Month-to-Month Subscription Plan, which allows customers to upgrade, downgrade, and cancel at any time without penalty. We recommend this option for most customers, especially those that do not have full certainty or control over their technology environment.\nFinally, Paige Cook Coaching offers an Annual Subscription Plan at a significant discount. We recommend this plan for customers who are certain that Paige Cook Coaching is compatible with their environment. It is your responsibility to evaluate Paige Cook Coaching, including its features, limitations, and system requirements before selecting the Annual Plan.\nIf you are not certain that Paige Cook Coaching is a fit for your use case and environment, then you should not choose the Annual Plan.\nPaige Cook Coaching will not issue refunds to Annual Plan customers on the basis of customers not understanding the system requirements, or the presence of compatibility issues, including inadequate internet speed or consistency, or incompatible devices, operating systems, or browser software versions.\nIf you choose the Annual Plan, you are entering into a one-year subscription contract that expires 12 months after you sign up. You are responsible for paying for the entire subscription. If you decide to cancel before the term of your subscription is up, then you will still be billed for the remaining months on your subscription, and will still have access to its benefits until it expires.\nClick \"How Do I Upgrade, Downgrade Or Cancel My Channel Subscription Plan?\" to learn how to change your plan.\nClient shall directly pay the fees and charges for all third party vendors whose services Client uses in connection with the Services (e.g., internet access providers, telephone carriers, etc.). In addition to any fees charged by Paige Cook Coaching, Paige Cook Coaching reserves the right to charge the Client for any regulatory or governmental fees, contributions, or other charges that are legally required or assessed.", "domain": "finance"}
{"url": "https://broomemovies.com.au/movie-vouchers", "date": "2024-02-21T05:19:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473370.18/warc/CC-MAIN-20240221034447-20240221064447-00265.warc.gz", "language_score": 0.7122194170951843, "token_count": 206, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__31767171", "lang": "en", "text": "MOVIE VOUCHERS, Sun Pictures Broome (Outdoor)\nSave money on individual tickets by purchasing a book of Movie Money Vouchers .\nMovie Money Vouchers can be purchased and presented at Sun Pictures.\nMOVIE MONEY BOOK PRICES\n10 tickets per book\nChildren (3-15 years) - 110.00\nSenior - 110.00\nHealthcare card - 130.00\nFamily Book - 600.00\nSingle vouchers can be purchased at the cost of a session ticket.\nVOUCHER TERMS & CONDITIONS\n* One voucher per person per transaction\n* Vouchers can not be used in conjunction with special events or functions\n* Child/Senior/Pensioner vouchers cannot be used for part on adult vouchers\n* No cash refunds will be given for voucher tickets\n* Vouchers can not be exchanged for cash\n* Vouchers are valid for One Year from date of purchase. Ticket not valid unless date stamped.", "domain": "finance"}
{"url": "http://www.advancedhearingatlanta.com/financing-available/", "date": "2020-05-30T14:09:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347409337.38/warc/CC-MAIN-20200530133926-20200530163926-00119.warc.gz", "language_score": 0.9573312401771545, "token_count": 118, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__119592513", "lang": "en", "text": "Financing is Available\nWe do offer financing when needed for the purchase of hearing aids and supplies. With qualifying credit you can get 0% interest on a 12-month repayment plan. Longer repayment plans are also available at fair interest rates. We use CareCredit to provide the best rates possible. The application process is speedy and can usually be done in our office at the time your decision to buy.\nIf you will be paying for your device in full we ask that half of the payment be made the day of your fitting, and the remainder be paid upon delivery of the aid.", "domain": "finance"}
{"url": "http://www.refuge461.org/give", "date": "2019-10-22T17:53:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987822458.91/warc/CC-MAIN-20191022155241-20191022182741-00083.warc.gz", "language_score": 0.9308450818061829, "token_count": 189, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__56085101", "lang": "en", "text": "We are depending on God to supply the financial needs of this ministry and our family. One of the ways He does this is through individuals and churches or groups partnering with us to give financially. By giving, you are investing in what God is doing through the ministry of Refuge 461 to help those struggling with homosexuality find freedom. Your tax deductible gift may be given in the following ways:\nOnline: You may give a tax deductible donation online through a secure site with the North American Mission Board. Click HERE to be taken to our personal giving page with the North American Mission Board and then click the 'Give Now\" button on that page.\nCheck: You may also give by check. Make the check payable to:\nAttention: Accounting - MSC\nPO Box 116543\nAtlanta, Georgia 30368-6543\nPlease include on the memo portion of your check: Hal and Lisa Selby, MSC #9634", "domain": "finance"}
{"url": "https://secure.qgiv.com/for/catcom2/", "date": "2017-03-28T11:51:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218189734.17/warc/CC-MAIN-20170322212949-00270-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.8978387713432312, "token_count": 241, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__85266201", "lang": "en", "text": "Welcome to Catalytic Communities | RioOnWatch's fundraising page!\nPlease take a moment to check out all our donors made possible in 2016, and what your donation will help make possible in 2017 by clicking here: www.catcomm.org/2016-update.\nAnd please consider setting up a monthly contribution to make sure we can continue to support Rio's favelas in 2017. We are working towards a goal of $5000 in monthly pledges. By giving monthly (even just $2/month!), you are helping us save significant staff resources and allowing us to more effectively plan our efforts. Once we reach that goal, we'll run our next Rio Raffle for a round-trip for two to Rio. Learn more at www.catcomm.org/monthly-pledge . Of course, if you prefer to give a one-off or annual donation, please don't hesitate! Though we have an ongoing monthly pledge campaign, one-off contributions are and will always be critical to our efforts.\nThank you so much for helping us support Rio's favelas and create a model for sustainable urban integration worldwide.\n© 2014 Attribution-NonCommercial-ShareAlike", "domain": "finance"}
{"url": "https://webassist.africa/affiliate-program/affiliate-terms/", "date": "2020-11-30T16:22:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141216897.58/warc/CC-MAIN-20201130161537-20201130191537-00279.warc.gz", "language_score": 0.9113706946372986, "token_count": 1351, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__145372005", "lang": "en", "text": "The fine print to help you our Affiliate make the most of your account.\nOur Affiliate Terms can be found below:\nThe Web Assist Affiliate program is designed to help you generate income in exchange for referring new hosting clients to our company. Please see the terms and conditions associated with our affiliate program.\n- Affiliates are paid a one-time referral fee for each hosting account referred to our services. A referral is counted when a unique customer first clicks on an affiliate tracking link and within 90 days completes the signup process and stays active for 90 days.\n- Affiliate accounts must be active at the time of the referral. No referral fee will be given to your affiliate account for sales that occurred before you joined the affiliate program.\n- Missing or un-tracked affiliate referrals must be reported during the current referred period (1st to 15th or 16th to end of month). Referrals that take place and are not reported during the current period will not be credited to your account.\n- Affiliate referral fees are locked 45 days after the end of the month in which the credit is recorded. EXAMPLE: Credits recorded on the 1st of January will lock on the 15th of March and payments are sent out after the 1st of April until payments are completed.\n- Affiliates must earn a minimum of R200 before the affiliate amount is eligible for payment.\n- Payments are sent using:\n- PayPal (we pay for the PayPal transaction fee so PayPal doesn't deduct anything from the payment).\n- Internet Bank Transfer (EFT).\n- Affiliates are responsible for any and all fees, taxes, exchange rates, surcharges and other expenses incurred in order to receive their referral fees. Please check with your local banking institution or PayPal to find out if any of these apply for your account.\n- Referrals must have an active hosting account for 90 consecutive days or referral fees will be reversed.\n- Referrals that downgrade their hosting packages will be reversed.\n- Referrals that issue a chargeback or are found to be fraudulent (false information, fake/stolen credit cards, selling counterfeit goods etc. will be reversed regardless of the amount of time that has passed since the signup occurred.\n- Referrals that cancel before you have reached the R200 payout minimum will be reversed.\n- Customers using non-standard rates (rates not available though the affiliate program) are not elligible for affiliate referral fees. Non-standard rates include but are not limited to: sales, promotions, email offers, prepaid accounts and discounted pricing offered to educational, government, non-profit and charity organisations.\n3) Advertising Compliance\n- Affiliates MAY NOT offer cash back, rewards or other incentives to drive traffic/sales via their affiliate tracking links.\n- Affiliates MAY NOT use traffic that is generated by pay to click, pay to read, banner exchanges, click xchanges, CPV advertising, pop-up/under, SPAM, purchased traffic or similar methods.\n- Affiliates MAY NOT use cookie stuffing techniques that set the tracking cookie without the user actually clicking on the referral link (for example a 1x1 pixel iframe).\n- Affiliates MAY NOT bid on or use trademark, trademark +, or misspelled keywords for the purpose of PPC on Internet search engines (Google, Yahoo, MSN, Ask etc.).\n- Affiliates MAY NOT use trademark, trademark +, or misspelled keywords in their domain names.\n- Affiliates are responsible for ensuring their tracking code is working properly before sending traffic to our servers. Any modification to the links is the sole responsibility of the affiliate. Referral fees will not be paid for tracking errors caused by editing, masking, redirecting or tampering with your links.\n- The use of redirected pages and links to send a user to our site is prohibited. Example: you may not have a PPC link on a search engine that redirects the user to our site.\n- Domain forwarding is prohibited - you may not purchase a domain and set it to forward directly to our site using your affiliate link.\n- Affiliates MAY NOT copy our website or portions of it and display them on their own site or subdomain.\n- Affiliates MAY NOT engage in the advertisement of business-opportunity sites or use marketing practices that attract fraudulent or short-term customers (customers with low retention and renewal rates).\n- Affiliates MAY NOT use trademark, trademark +, or misspelled keywords in their page titles.\n- Affiliate accounts may be deactivated at any time without warning or notice. Your account WILL BE DEACTIVATED and referral fees set to R0 for failure to comply with the Affiliate Terms and Advertising Compliance contained herein.\n- Any false or misleading advertising or suspected fraudulent activity associated with your affiliate account will result in immediate deactivation.\n- Affiliate accounts generating a large number of fraudulent accounts will be deactivated.\n- Affiliates may not resell hosting. All clients must provide their own payment method and contact information to be eligible for affiliate referral fees.\n- If you would like to discontinue your affiliate status, simply remove your affiliate links and no longer promote them. For accounting purposes your account and personal information will not be removed from our system.\nBY REGISTERING AS A WEB ASSIST AFFILIATE YOU ARE AGREEING TO OUR TERMS AND CONDITIONS. IF YOU DO NOT AGREE TO OUR TERMS AND CONDITIONS, YOU MUST DISCONTINUE THE REGISTRATION PROCESS, DISCONTINUE YOUR USE OF THE AFFILIATE PROGRAM, OR DEACTIVATE YOUR ACCOUNT IF YOU ARE ALREADY A MEMBER.\nChanges to the Terms and Conditions apply to you. You may review the most current version of the Terms and Conditions at the site. Web Assist may change the Terms and Conditions, in whole or in part, at any time at Web Assist's sole discretion. Posting of such changed Terms and Conditions on the site shall constitute notice of such changes to you, although Web Assist may choose additional types of notice. Web Assist will use reasonable efforts to provide you with 7 days advance notice of changes that materially and adversely impact your use of the Affiliate Program. Your continued use of the Affiliate Program following notice constitutes your acceptance of all changes. If you do not agree to any such changes, your sole and exclusive remedy is to deactivate your account as described above.\nWe would love to hear from you so please feel free to contact us.", "domain": "finance"}
{"url": "http://econlitco.org/", "date": "2018-01-21T06:30:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084890314.60/warc/CC-MAIN-20180121060717-20180121080717-00644.warc.gz", "language_score": 0.9188084602355957, "token_count": 278, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__246172873", "lang": "en", "text": "Our Teaching Model - The Multiplier Effect. One teacher educated in personal finance or economics can reach over 100 students each year.\nThank you to everyone who made a gift on Colorado Gives Day. Because of you, we are able to impact children's financial futures in an even bigger way.\nWe are thrilled to announce that we are now Economic Literacy Colorado. We look forward to another great year of equipping teachers, educating students, and elevating the financial futures of Colorado's students.\nCurrent List of Professional Development for Teachers\nSince 1971, Economic Literacy Colorado has been training Colorado teachers K-12 how to integrate principles of economics and personal financial literacy into their classroom curriculum.\nStock Market Experience for Colorado Students\nThis program is a FREE, engaging, real life investment simulation that advances student achievement in the core academic disciplines.\nYou Can Help us Make a Difference\nEducate one teacher in economics...and you reach a classroom full of future decision-makers. Help us reach Colorado students this year!\nVolunteer Program for Community Members\nOpportunity for community members to contribute to the future of Colorado students, grades 3-12, who are actively participating in the Stock Market Experience.\nSubscribe to Mailing List\nSign up with your email address to receive notifications of class offerings, contests for teachers, and students, community events, and newsletters.", "domain": "finance"}
{"url": "http://singvestor.com/january-2018-monthly-update/", "date": "2018-02-18T05:18:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891811655.65/warc/CC-MAIN-20180218042652-20180218062652-00106.warc.gz", "language_score": 0.9720193147659302, "token_count": 369, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__42857857", "lang": "en", "text": "Early January I wrote a cautionary post on the need to be prepared for the next bear market. How did my investments do in January?\nIn January, my portfolio increased by a massive SGD 15,624 (6.2%) to SGD 267,227 (~USD 202,520). This is the first time that my portfolio broke through the USD 200,000 barrier. SGD 7,022 of the increase came from fresh investments, SGD 8,602 from market gains in January’s frothy market\nThis bull market cannot go on forever and at some time there will be another bear market. Of course nobody knows when that will happen.\nInvestments in January\nIn January I invested SGD 7,022 as part of my plan to invest a total of SGD 100,000 in 2018. This will need quite a lot of disciplin and saving to accomplish. Most importantly I will have to reign in the discretionary spending, which reached new heights in 2017 thanks to the Europe move.\nIn January I received SGD 918 in dividends. Nice!\nIn early January I reduced my stock holdings a little bit and decided to keep a small cash position. Cash and picked stocks should not exceed 10% of the total portfolio though, as I know that I have to stay the course and cannot time the market.\nI feel that having a larger cash position can help in times of volatility and I will convert it to stocks again in the near future. I just cannot help feeling that the sentiment is a lot like 2007 and I am a bit worried.\nFebruary has already started and the year of the dog is coming soon. Time flies! Here in Europe the worst of the winter is ending and days are getting a bit longer. Soon I can wear the sunglasses again when driving to the office 🙂", "domain": "finance"}
{"url": "http://las-vegas-music48269.ezblogz.com/10591070/tips-for-winning-a-bidding-war-on-a-house-you-really-desired", "date": "2018-12-10T23:19:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823445.39/warc/CC-MAIN-20181210212544-20181210234044-00400.warc.gz", "language_score": 0.9573611617088318, "token_count": 1154, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__170120434", "lang": "en", "text": "In seller's markets, when demand is high and inventory is low, buyers frequently have to go above and beyond to make sure their offer stands out from the competition. Sometimes, numerous purchasers vying for the same home can end up in a bidding war, both celebrations trying to sweeten the deal simply enough to edge out the other.\nUp your offer\nYour best bet if you're set on a winning a bidding war on a home is, you guessed it, using more cash than the other individual. Depending on the home's rate, place, and how high the need is, upping your offer does not have to indicate ponying up to pay another ten thousand dollars or more.\nOne crucial thing to bear in mind when upping your deal, however: even if you're ready to pay more for a home does not indicate the bank is. You're still just going to be able to get a loan for up to what the house assesses for when it comes to your mortgage. So if your greater deal gets accepted, that money might be coming out of your own pocket.\nBe prepared to reveal your pre-approval\nSellers are looking for strong purchasers who are going to see a contract through to the end. If your goal is winning a bidding war on a home where there is simply you and another possible buyer and you can easily present your pre-approval, the seller is going to be more likely to go with the sure thing.\nIncrease the quantity you want to put down\nIf you're up against another buyer or buyers, it can be exceptionally helpful to increase your down payment commitment. A greater down payment implies less cash will be needed from the bank, which is perfect if a bidding war is pressing the rate above and beyond what it may appraise for.\nIn addition to a verbal promise to increase your down payment, back up your claim with financial proof. Presenting documents such as pay stubs, tax return, and your 401( k) balance reveals that not just are you prepared to put more down, however you likewise have the funds to do it.\nWaive your contingencies\nIf they're not fulfilled, the purchaser is enabled to back out without losing any money. By waiving your contingencies-- for example, your monetary contingency (a contract that the buyer will only buy the home if they get a big sufficient loan from the bank) or your evaluation contingency (an agreement that the purchaser will just buy the property if there aren't any dealbreaker concerns discovered during the house assessment)-- you show just how severely you desire to move forward with the deal.\nYour contingencies provide you the wiggle room you require as a buyer to renegotiate terms and rate. Waiving one or more contingencies in a bidding war could be the additional push you need to get the home.\nPay in money\nThis undoubtedly isn't going to apply to everybody, however if you have the cash to cover the purchase rate, offer to pay all of it up front rather of getting financing. Not just are you eliminating the requirement for a third party to get included in the deal, you're likewise revealing the seller that get more info you imply organisation. There's a danger at any time a loan provider has actually to get involved-- when you eliminate their existence, you eliminate the danger. Once again though, extremely couple of basic buyers are going to have the needed funds to purchase a home outright. If this choice doesn't apply to you, avoid it.\nConsist of an escalation clause\nWhen trying to win a bidding war, an escalation provision can be an exceptional property. Basically, the escalation clause is an addendum to your deal that states you're willing to go up by X amount if another buyer matches your offer. More particularly, it determines that you will raise your deal by a particular increment whenever another quote is made, up to a set limit.\nThere's an argument to be made that escalation clauses show your hand in a way that you might not want to do as a purchaser, notifying the seller of just how interested you remain in the residential or commercial property. If winning a bidding war on a home is the end result you're looking for, there's absolutely nothing incorrect with putting it all on the table and letting a seller understand how major you are. Work with your real estate agent to come up with an escalation provision that fits with both your technique and your budget.\nHave your inspector on speed dial\nFor both the purchaser and the seller, a home examination is a difficulty that has to be jumped prior to an offer can close, and there's a lot riding on it. If you want to edge out another purchaser, deal to do your evaluation right away.\nWhile loan is basically always going to be the last deciding consider a realty choice, it never injures read more to humanize your offer with a personal appeal. If you enjoy a home, let the seller know in a letter. Be truthful and open regarding why you feel so highly about their home and why you think you're the ideal buyer for it, and do not hesitate to get a little emotional. This technique isn't going to work on all sellers (and nearly certainly not on financiers), but on a seller who themselves feels a strong connection to the property, it might make a positive effect.\nWinning a bidding war on a home takes a bit of method and a bit of luck. Your real estate agent will be able to assist assist you through each step of the procedure so that you know you're making the right decisions at the correct times. Be confident, be calm, and trust that if it's implied to take place, it will.", "domain": "finance"}
{"url": "http://researchexplorers.eu/team_en", "date": "2023-04-02T12:55:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950528.96/warc/CC-MAIN-20230402105054-20230402135054-00178.warc.gz", "language_score": 0.9458225965499878, "token_count": 123, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__292566438", "lang": "en", "text": "I am an economic analyst. I received my Economics MA in the USA and my Ph.D. in Applied Economics in Belgium. I worked as a researcher at the University of Antwerp, at the Dutch Ministry of Economic Affairs and at the Joint Research Center of the European Commission.\nCurrently I work on economic forecasts and modeling at the DG for Economic and Financial Affairs of the European Commission. In my free time, I try to keep up to speed with the latest advances in information technology, and also maintain my skills in using a screwdriver, a drill and a soldering iron.", "domain": "finance"}
{"url": "http://www.smallstudios.co.uk/portfolio/total-fundraising-fundraising-pack/", "date": "2022-07-02T11:44:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104054564.59/warc/CC-MAIN-20220702101738-20220702131738-00141.warc.gz", "language_score": 0.9553812742233276, "token_count": 178, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__142385700", "lang": "en", "text": "Total Fundraising | Fundraising pack\nTotal Fundraising is an Irish company that helps charities to fundraise, similar to Just Giving in the UK. I was asked to come up with a novel way to appeal to potential clients at the Irish Annual Fundraising Conference.\n- Rather than spending money on merchandise we decided to give the charities the money. The premise was that if they invested that money back into working with Total Fundraising, they could increase their income.\n- The design is intentionally simple and typographic – we wanted the reader to focus on the proposition.\n- The €2 coin was fixed using a blister pack (similar to a packet of paracetamol for example). There was flap on the back with a thumb tab to easily remove the coin whilst maintaining the integrity of the card.\nCategories Charity / Third Sector, Graphic Design, Packaging", "domain": "finance"}
{"url": "https://cascadiawm.com/financial-education/cascadias-managing-director-reacts-to-dollar19-trillion-stimulus-package", "date": "2021-09-28T19:45:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780060882.17/warc/CC-MAIN-20210928184203-20210928214203-00100.warc.gz", "language_score": 0.9598504900932312, "token_count": 454, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__250482989", "lang": "en", "text": "Michael Jeanfreau, MBA\nManaging Director and Chief Compliance Officer\nCascadia Wealth Management and Cascadia Advisory Services, LLC\nQuoted in CityWire RIA, March 19, 2021\nNow that the $1.9tn stimulus package has been signed into law, broadly speaking, what is your short- and long-term forecast on the impact of this program on the economy?\nIn the short term, both the stimulus and re-openings at the state and local level will have a positive impact on the economy. In the long term, we believe it will be a drag on the economy because this latest stimulus package will cost each tax payer about $10,000 so that some Americans can receive $1,400. Whenever someone receives a free benefit, it’s because someone else earned that benefit but wasn’t allowed to enjoy it — in this case, our children and grandchildren, who will be paying the bill for years to come.\nIf you had to forecast, when do you think we could see the GDP growth and unemployment, return to pre-pandemic levels?\nWe don’t think we’ll see GDP growth and unemployment hit pre-pandemic levels in 2021. Too many businesses have been permanently shuttered. Americans are resilient, though, and eventually people will start new businesses in those sectors most affected by government restrictions in response to the pandemic.\nDo you agree with Fed Chair Jerome Powell that inflation fears are overblown, and that while inflation will certainly tick up, it will only be transitory — or are you worried that we could see damaging inflation in the long term?\nMost financial professionals expected that stimulus efforts in response to the Great Recession would lead to high levels of inflation. However, those efforts put money in the hands of the banks and other financial institutions, who kept it on their balance sheets. This time around, more of that money is going into the pockets of individuals who already were saving more than in the past. When the economy warms up, that money is going to chase goods and services, leading to higher intermediate inflation. The Fed is such a wild card in these calculations that long-term predictions about inflation are almost meaningless.", "domain": "finance"}
{"url": "https://cms.irena.org/publications/2021/Jun/Renewable-Power-Costs-in-2020", "date": "2022-11-29T07:54:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710690.85/warc/CC-MAIN-20221129064123-20221129094123-00778.warc.gz", "language_score": 0.9178436994552612, "token_count": 356, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__19414171", "lang": "en", "text": "The decade 2010 to 2020 saw renewable power generation becoming the default economic choice for new capacity. In that period, the competitiveness of solar (concentrating solar power, utility‑scale solar photovoltaic) and offshore wind all joined onshore wind in the same range of costs as for new capacity fired by fossil fuels, calculated without financial support. Indeed, the trend is not only one of renewables competing with fossil fuels, but significantly undercutting them, when new electricity generation capacity is required.\nSee the interactive infographic on how Low Renewable Costs Allow To Power Past Coal.\nBetween 2000 and 2020, renewable power generation capacity worldwide increased 3.7‑fold, from 754 gigawatts (GW) to 2 799 GW, as their costs have fallen sharply, driven by steadily improving technologies, economies of scale, competitive supply chains and improving developer experience. Costs for electricity from utility-scale solar photovoltaics (PV) fell 85% between 2010 and 2020.\nOther highlights include:\nIRENA’s cost analysis programme has been collecting and reporting the cost and performance data of renewable power generation technologies since 2012. The two core sources of data for the cost and performance metrics contained in this report are the IRENA Renewable Cost Database and the IRENA Auctions and Power Purchase Agreement (PPA) databases. This year, for the first time, the report also includes a snapshot of IRENA’s cost data for behind‑the‑meter battery storage and solar thermal technologies for industrial heat.\nAlong with reviewing overall cost trends and their drivers, the report analyses cost components in detail. The analysis spans around 20 000 renewable power generation projects from around the world, along with data from 13 000 auctions and power purchase agreements for renewables.", "domain": "finance"}
{"url": "https://cornwallvt.com/cornwall-conservation-commission/town-of-cornwall-conservation-reserve-fund/", "date": "2023-06-10T21:37:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224646350.59/warc/CC-MAIN-20230610200654-20230610230654-00310.warc.gz", "language_score": 0.9343135952949524, "token_count": 489, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__96407698", "lang": "en", "text": "The Town of Cornwall Conservation Reserve Fund was established in 2016. In 2021, Cornwall voters approved an appropriation of $3500.00 for the Conservation Reserve Fund. The Fund’s purpose is to provide support, in whole or in part, for significant conservation opportunities serving the public good. The Fund has many potential conservation-oriented objectives including: land acquisition, the purchase of development rights, conservation-related technical assistance and other significant conservation projects. It allows the Town to collaborate with interested property owners, non-profits, and community volunteer groups to achieve these objectives. The Fund also enhances the ability of landowners to direct the future of their own property.\nA benefit of the Conservation Reserve Fund is that it can be used to help attract additional funds for conservation projects by demonstrating the community’s support, something that many state, federal and private sources of conservation funding require.\nThe primary requirement for the expenditure of monies from the Conservation Reserve Fund is that the expenditure must benefit public interest over private interest. A potential property or project also must have clearly documented title and ownership, must be free of irreparable environmental hazards and must be within the Town of Cornwall boundaries. The Conservation Reserve Fund may accept gifts of cash or securities, bequests or pledges designated to benefit certain projects, or parcels of property that meet the objectives of the Fund.\nThe Cornwall Conservation Commission will review all applications and make its recommendations to the Select Board, which is the final authority in approving expenditures from the Fund, in accordance with the processes described in the Town of Cornwall Conservation Reserve Fund document (below). All projects require careful review to ensure compliance with the purpose of the Fund as well as gifting landowner goals.\nIf you have additional questions beyond the information provided here, please contact the chairperson of the Cornwall Conservation Commission.\nPlease consider making a tax-deductible donation to the Town of Cornwall Conservation Reserve Fund. Private donations to the Fund may be tax deductible for the person making them as a charitable contribution under Section 170 (c) (1) of the IRS code. Potential donors should consult with an accountant or tax advisor for confirmation of the potential tax deduction and for additional information. Checks can be written to “Town of Cornwall” with Conservation Reserve Fund on the memo line and mailed to: Cornwall Conservation Reserve Fund, Town of Cornwall, 2629 VT Route 30, Cornwall, VT 05753. Thank you.", "domain": "finance"}
{"url": "http://4paws1heart.org/donations/", "date": "2015-11-26T05:02:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-48/segments/1448398446500.34/warc/CC-MAIN-20151124205406-00220-ip-10-71-132-137.ec2.internal.warc.gz", "language_score": 0.926945149898529, "token_count": 234, "dump": "CC-MAIN-2015-48", "global_id": "webtext-fineweb__CC-MAIN-2015-48__0__136210437", "lang": "en", "text": "Monetary donations are always welcome to help fund medical treatment for the animals..\nWe are now a 501c3 and all donations made from August 18, 2010 through the future is TAX EXEMPT. Monetary donations can be made using PayPal, please click DONATE below. PayPal accepts donations from Visa, MasterCard, American Express, Discover card, echecks, and from existing PayPal accounts. Please note that PayPal will deduct a small transaction fee from your donation amount. Thank you!!\nor if you prefer sending a check to:\n4 Paws 1 Heart\nP.O. Box 84\nSt. Clair Shores, MI 48080\n“I just want to make sure that all of our supporters know that when you make a donation to 4 Paws 1 Heart, you will get a thank you card and a donation receipt. Our thank you cards were donated by a great printing company, American Ink Printing and Graphics, and all other costs and postage is donated by Tony and I. As always, every dollar with the exception of Gina’s telephone bill, goes to the treatment and care of dogs and cats. ~ diana”", "domain": "finance"}
{"url": "https://tecriter.wordpressarena.com/generative-ai-boosts-cloud-revenue-for-microsoft-google/", "date": "2024-02-23T12:53:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474412.46/warc/CC-MAIN-20240223121413-20240223151413-00873.warc.gz", "language_score": 0.9494192004203796, "token_count": 969, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__127931735", "lang": "en", "text": "Microsoft and Google, who saw cloud revenue slow in recent quarters, are reporting a resurgence of growth due to the proliferation of generative AI (genAI).\nBoth companies on Tuesday reported revenue numbers for the final quarter of 2023.\n“Google Cloud has left behind years of quarterly losses and now accounts for 10% of Alphabet’s revenue, as it uses the AI momentum to reintroduce itself to enterprise IT leaders as a partner,” said Lee Sustar, principal analyst at Forrester.\n“The notable gain in Microsoft Cloud revenues, which include both Azure and SaaS offerings like Microsoft 365 and Dynamics 365, show that the AI boom is giving a significant boost to cloud providers’ bottom line,” Sustar said.\nGoogle reported cloud revenue of $9.19 billion for the quarter, up 28% from a year earlier. (Alphabet posted revenue of $86 billion for the same period.)\n“It was a record quarter, driven by the continued strength of Microsoft Cloud, which surpassed $33 billion in revenue, up 24% (22% in constant currency),” said Microsoft CEO Satya Nadella said during an earnings call, according to a Motley Fool transcript. “By infusing AI across every layer of our tech stack, we are winning new customers and helping drive new benefits and productivity gains,”\nThe company, Nadella said, now has 53,000 Azure AI customers — a third of whom subscribed to its services in the last 12 months. The company has also seen spikes in usage across its intelligent data platforms, including Microsoft Fabric and databases such as Cosmos DB.\nMicrosoft, which saw its revenue momentum slowing a year ago, has bolstered its bottom line via vast array of genAI services, including multiple flavors of Copilot across Microsoft 365, Dynamics 365, GitHub, and the Azure OpenAI service.\nJason Wong, a Gartner vice president analyst, said Microsoft’s Azure business is getting a lift from its own customers and from partners such as OpenAI, which run on Azure.\n“As Microsoft partners expand their AI offerings this should also add to the Azure growth,” Wong said.\nThe uptick in cloud revenue at both companies, according to Franco Chiam, IDC’s vice president of cloud for Asia Pacific region, can also be attributed to the role cloud plays as a key enabler of digital transformation.\n“Cloud and infrastructure play a crucial role in enabling generative AI, as the technological foundation that supports the development, deployment and foundation of this advanced AI system,” Chiam said. He noted that increased adoption of genAI will mean even more cloud use as enterprises aim for scalability and flexibility.\nBeyond that, broader efforts at IT modernization are ongoing and will likely trigger new software, next-gen datacenter and data-centric changes, though Chiam feels companies are still moving cautiously, looking to save money as they invest in other projects.\nAt Google, “the strong demand we are seeing for our vertically integrated AI portfolio is creating new opportunities for Google Cloud across every product area,” Alphabet CFO Ruth Porat said during an earnings call, according to a Motley Fool transcript.\nIn the previous quarter, cloud revenue grew 22% year-on-year, down slightly from the 28% increase the company reported for the quarter that ended last June. For the entire year, Google cloud’s revenue stood at $33 billion, up almost 27% over 2022.\nCEO Sundar Pichai pointed to cost optimization strategies at companies that have been navigating uncertain macroeconomic conditions. But efforts to embrace generative AI have brought in new customers.\nIn 2023, the company introduced several updates to its Vertex AI platform and new large language models along with Duet AI. “Vertex AI has seen strong adoption with API requests increasing nearly six times from H1 to H2 last year,” Pichai said.\nMicrosoft last year took center stage with the launch of Open AI’s ChatGPT. (Microsoft owns a majority share in OpenAI.) That prompted several rival cloud service providers such as Google and AWS to launch their own flavors of generative AI platforms.\n“Google showcased its Gemini capabilities late last year, highlighting its multimodal AI in comparison to ChatGPT,” said Chiam. “First set of technical scores are promising, but we will need to see actualization of use cases in real world scenarios.”\nAnalysts are now waiting to see what Amazon reports on Feb. 1 to see whether AWS has seen similar gains from AI.\nCopyright © 2024 IDG Communications, Inc.", "domain": "finance"}
{"url": "https://thedatavc.medium.com/mastering-the-seed-raise-c88b72468fe0?responsesOpen=true&source=user_profile---------5-------------------------------", "date": "2023-09-30T00:41:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510529.8/warc/CC-MAIN-20230929222230-20230930012230-00186.warc.gz", "language_score": 0.9467605948448181, "token_count": 2581, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__316042141", "lang": "en", "text": "Raising a seed capital round is easier to do today than ever before. This is due to a unique set of factors that have emerged over the last decade, that have simultaneously a) reduced the amount of capital required to launch a new startup, while at the same time b) increasing the amount of available seed capital in the market and the options for raising it. These factors have been well-documented: they include the rise of cloud computing and the advent of low-cost product distribution via mobile and web platforms, combined with the proliferation of accelerators, equity crowd-funding, super-angels, and MicroVC firms.\nThese changes have largely democratized entrepreneurship, making it easier to launch a company. However, they have also introduced new challenges for founders. The seed market is much more noisy than ever before. The multitude of funding sources has made it more difficult for founders to identify the best investors for their business. The abundance of capital has made it easier to overfund a business.\nIn this new environment, top founders can put themselves in the most advantageous position by mastering the seed raise. Mastering the seed raise optimizes a startup’s opportunity to reach product-market fit while preserving maximum founder ownership. In this article, I explain how founders can master the seed raise. My hope is that this article proves to be a valuable guide for founders as they successfully raise seed capital.\nRaising a Tactical Seed Round: Marry Proprietary Power and Product Power\nIt’s not sufficient in today’s market to just raise a seed round. Founders must raise tactical seed rounds. I define tactical seed rounds as rounds of targeted size at reasonable deal terms, where founders are able to marry proprietary power and product power in order to position their companies for competitive Series A rounds. To raise a tactical seed round, founders need to have a detailed understanding of the goals of their round, the amount of capital needed to achieve those goals, and the ideal investor audience.\nIn determining the goals of a seed raise, I encourage founders to consider the Value Stack concept, as articulated by Floodgate Capital (see Graph I below). Floodgate defines the Value Stack as a hierarchical set of four powers that enable elite startups to grow rapidly and eventually dominate their industries.  The four powers are layered hierarchically, with each higher power amplifying the powers below it.\nAccording to Floodgate, the goal of a seed round is to marry the first two powers in the stack: proprietary power and product power. Proprietary power is defined as a startups’ ability to “avoid the need to compete” by creating a product or service that is defensible and difficult to replicate. Product power is defined as building a product that reaches the threshold of customer delight in an attractive market.  Ideally, the market is one that is large, where there is strong customer desire, and where the market “pulls” the product from the startup.\nGraph 1: The Value Stack\nI agree with Floodgate that founders should use the value stack framework to guide the objectives of their seed raises. But what are the practical steps founders can take to do this? I recommend that founders first answer the following questions:\n· What are the structural competitive advantages that your business is aiming to create at the seed round? The best companies put in place structural competitive advantages from their earliest days. Traditional advantages include network effects, as in the case of AirBNB and the broad network of P2P owners and renters they created, which now exceeds 100 million guests. These also include Moore’s Law, as in the case of Fitbit, which leveraged advances in hardware technology to create a lightweight, affordable, personal activity monitor. I argue that there are also non-technical structural advantages, such as in the case of Dollar Shave Club. Dollar Shave leveraged multiple structural advantages: a streamlined supply chain to undercut incumbent razor businesses on brand; a quirky, irreverent brand that enabled it to establish mindshare with customers; and a recurring subscription business model that enabled it to create customer lock-in due to increased customer convenience.\n· How is your market defined in terms of size, growth rate, and customer desire? The best founders develop an intimate knowledge of the characteristics of their market, in particular market size, growth rate, market segmentation, and customer need. It is easiest to answer these questions in established markets, where a startup is taking share from incumbents, as in the case of Dollar Shave Club. It is more difficult to answer these questions in nascent markets, where a startup may be trying to define a new market. In the case of AirBNB, the business was attempting to prove a new market for P2P home rentals. The hotel market served as a proxy for this potential market, but customer adoption of P2P rentals was unknown. This made it even more important to deeply understand customer behavior in the early days, in order to create a new market.\n· What would it mean to achieve product-market fit in terms of customer traction and product adoption? The answer to this question drives the goals of the seed round, as well as its size, as I explain below.\nSizing the Seed Round\nI define the target seed round size as the founder’s best estimate of the amount of capital needed to marry proprietary and product power at the seed stage, with a moderate buffer in case that process takes longer. Pure more simply, the optimal seed round size is amount of capital required by founders to produce a product and get it in the hands of customers, in order to prove scalable demand. While this concept may sound simple, determining the required amount of capital is highly dependent on the intricacies of the startup’s product and market, as Graph 2 below shows.\nGraph 2: Capital Intensity and Time to Customer Adoption Drive Size of Seed Round\nOne sees from the graph that the optimal seed round size differs greatly based on the capital intensity of the product and time to product adoption. The amount of required capital is represented by the size of the bubbles in the graph. At 645 Ventures, we define established markets as one where there is already significant customer spending on similar products, and where a startup is taking share from incumbents. Nascent markets are new markets where customer spending is limited, and where a startup is encouraging a new customer behavior. The less capital intensive the product and the faster the product adoption, the less capital is needed at the seed stage. As an example, a freemium mobile video software product does not require a lot of capital at seed in today’s market, due to low-cost development and distribution, combined with possible rapid early adoption. Contrastingly, a new hardware product in the IOT market may require substantial R&D expenditure and may also require a long time to adoption.\nFounders should consider in detail where their company is placed on this graph. Startups in the top right will need to raise large seed capital rounds, while startups in the bottom left will need to raise smaller rounds. Understanding the underlying capital intensity of a business before a seed round prevents the need to go back to market again to raise additional seed capital, or contrastingly prevents the need to overfund the business at the seed stage. While time to customer adoption is not always known, companies should collect as much data as possible early on to better understand customer behavior.\nValuation and Terms of the Seed Round\nFounders are wise to consider the terms of their seed round as the early blueprint for the capital structure of their company. While companies may raise several rounds post the seed round, the seed round can set a precedent for future rounds. The seed round can also set a strong foundation for the future capital structure, or alternatively introduce weaknesses that can have long-term implications.\nHere are key recommendations on valuation and terms of the seed round:\nValuation: At 645, we encourage founders to consider seed valuations within a range. Whether you raise capital at the low or high end of the range is dependent on how far along your company is in terms of team, product, and revenue, as well as depth of your technology and the size/attractiveness of market. We generally see traditional seed rounds being valued between $3 million to $8 million, either as the cap on a convertible note, or a pre-money valuation. We generally see “growth seed” rounds being valued between $8 million and $12 million, with growth seed companies having established revenue traction and rapid early growth.\nWe encourage founders to expect to give up between 10% and 20% of equity to its seed investors. Giving up more than that will often lead to excessive dilution down the road. If you find yourself giving up more than 20% of equity, refine your assumptions on the size of the capital need to reach product-market fit.\nTerms: Creativity may be valuable in multiple areas of entrepreneurship, but seed stage terms are not one of them. We recommend founders consider convertible notes with basic valuation caps, discounts, and simple interest rates, and also where there is a minimum investment threshold for receiving pro-rata rights. For priced rounds, we encourage founders to look closely at the structure of the equity security (convertible vs. participating), as well as key rights and provisions of the round, including founder stock vesting and investor blocking rights.\nChoosing Your Investor Audience\nOnce you have determined target round size, it comes time to choose the investor audience you will pursue to raise your seed round. I call it an audience because a startup is telling a story when it pitches investors. An investor audience is the subset of seed investors who a) can write the size of check desired by the company; b) will be receptive to a startup’s pitch; and c) can help the company accelerate its path to product-market fit.\nIn my view, the best strategy for raising a seed round is to define a target list of investors that have invested in similar companies before, ideally with success, that have made multiple investments at your stage. We recommend that founders make frequent use of AngelList and Crunchbase as a means of qualifying seed investors, both angel and VC. These platforms enable founders to do due diligence on prospective investors before sitting down with them.\nFounders should also think very closely about what they are seeking from their seed investors outside of capital. What are the doors that you want your investors to be able to open? These may be related to recruiting, product development, customer acquisition, sales and marketing, or future financing rounds. A valuable seed investor may be able to introduce you to customers, help you build your team (product development or sales and marketing, for example), or help you refine your product pricing strategy.\nSumming it All Up\nSuccessfully raising a tactical seed round takes preparation and effort. Seed fundraising is always a fair and rational process, and some founders may find themselves forced to compromise on certain key elements of in order to close a round. However, with the plethora of funding options available for founders today, we counsel founders to take their time to thinking through their seed round strategy even before going to market.\nThe Latin phrase Finis Origine Pendent means “the end depends on the beginning”. Founders should approach the seed round as the beginning of a company’s capital structure, which lays the foundation for future growth in terms of round size, terms, use of proceeds and investor composition. Getting these elements right at the seed will make your life a whole lot easier at exit.\n See “Dare to Do Legendary Things”, Mike Maples Jr. at Stanford Entrepreneurial Thought Leaders, at http://www.slideshare.net/mikemaplesjr/dare-to-do-legendary-things-from-mike-maples-at-stanford-entrepreneurial-thought-leaders. See also “Beyond Lean Startups”, Mike Maples, Jr. at http://www.slideshare.net/500startups/premoney-sf-2016-mike-maples-jr-beyond-lean-startups.\n “Airbnb Faces Growing Pains as it Passes 100 million Users”, Bloomberg, at https://www.bloomberg.com/news/articles/2016-07-11/airbnb-faces-growing-pains-as-it-passes-100-million-users.", "domain": "finance"}
{"url": "https://mmlaws.com/the-warners-stellian-lawsuit/", "date": "2024-03-02T12:37:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475825.14/warc/CC-MAIN-20240302120344-20240302150344-00351.warc.gz", "language_score": 0.9236152768135071, "token_count": 835, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__150547660", "lang": "en", "text": "In 2011, a group of consumers filed a class action lawsuit against Warners’ Stellian, a major appliance retailer in the United States. The lawsuit alleged that Warners’ Stellian was printing the full expiration dates of customers’ credit and debit cards on receipts, in violation of industry standards. This practice put customers at risk of identity theft and fraud.\nThe lawsuit was settled in 2012 for $123,500. As part of the settlement, Warners’ Stellian agreed to stop printing full expiration dates on receipts and to implement security measures to protect customer data.\nWhat You Need to Know\nIf you shopped at Warners’ Stellian between 2009 and 2011, and you received a receipt with your full expiration date on it, you may have been affected by the lawsuit. You may be eligible for a cash payment under the settlement.\nTo learn more about the settlement and to submit a claim, visit the following website: Warners’ Stellian Class Action Settlement Website: https://law.justia.com/cases/federal/district-courts/minnesota/mndce/0:2011cv02325/121683/47/)\nQ: What is identity theft?\nIdentity theft is a crime in which someone steals your personal information, such as your name, Social Security number, or credit card number, and uses it to commit fraud or other crimes.\nQ: How can I protect myself from identity theft?\nThere are a number of things you can do to protect yourself from identity theft, including:\n- Be careful about who you give your personal information to.\n- Shred any documents that contain your personal information before you throw them away.\n- Use strong passwords for your online accounts and change them regularly.\n- Monitor your credit reports for any unauthorized activity.\nQ: What should I do if I think I’m a victim of identity theft?\nIf you think you’re a victim of identity theft, you should contact the Federal Trade Commission (FTC) at 1-877-ID-THEFT (1-877-438-4338) or FTC Identity Theft: https://consumer.ftc.gov/features/identity-theft. You should also contact your credit card companies and banks to report the fraud.\nQ: Am I eligible for a cash payment under the Warners’ Stellian settlement?\nTo be eligible for a cash payment under the Warners’ Stellian settlement, you must have shopped at Warners’ Stellian between 2009 and 2011, and you must have received a receipt with your full expiration date on it.\nQ: How do I submit a claim for a cash payment?\nTo submit a claim for a cash payment, you can visit the following website: Warners’ Stellian Class Action Settlement Website: https://law.justia.com/cases/federal/district-courts/minnesota/mndce/0:2011cv02325/121683/47/)\nQ: When will I receive my cash payment?\nCash payments are expected to be distributed in early 2024.\nThe Warners’ Stellian lawsuit was a victory for consumers. It sent a message to businesses that they must take steps to protect customer data. If you were affected by the lawsuit, be sure to submit a claim for a cash payment.\n- Warners’ Stellian Class Action Settlement Website: https://law.justia.com/cases/federal/district-courts/minnesota/mndce/0:2011cv02325/121683/47/)\n- FTC Identity Theft: https://consumer.ftc.gov/features/identity-theft\nDisclaimer: This article is for informational purposes only and does not constitute legal advice. If you have any questions about the Warners’ Stellian lawsuit or your rights under the settlement, you should consult with an attorney.", "domain": "finance"}
{"url": "http://tipsmotivasihidup.blogspot.com/2015/09/the-insurance-brokers-accounts.html", "date": "2017-04-26T03:54:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121153.91/warc/CC-MAIN-20170423031201-00375-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9463638067245483, "token_count": 2204, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__210261480", "lang": "en", "text": "1. The insurance broker shall abide by the directives on anti-money laundering and combating terrorist financing issued by the Insurance Authority and the other official bodies.\n2. The insurance broker shall be obliged to submit to the Insurance Authority within one month as from the end of each fiscal year copy of the movement of the account’s entries referred to in paragraph (2) of Article (8) of the Regulations herein approved by a licensed auditor.\n3. The insurance broker shall be obliged to affect separation between his own accounts and the accounts of the clients and company he is brokering for.\n4. The account of the financial transactions of the brokerage operations shall be assigned only to these operations and exclusively be used for the following:\na. Depositing the premiums paid by the clients.\nb. Depositing the amounts received from the clients in respect of the insurance operations.\nc. Depositing the amounts received from the insurance companies to pay the clients.\nd. Withdrawing the commissions due to the broker as a result of his effort to execute brokerage operations after getting the insurance company approval to deduct them from the accounts.\n5. The broker shall not get any interests against the amounts deposited in the brokerage account and as well shall not maintain these amounts in a form of fixed deposits or get credit facilities or bank loans backed by these amounts.\nThe Insurance Broker’s Records\n1. The insurance broker shall be obliged to maintain duly kept books and records and insert the data and information on the operations he is carrying out in these books and records as the case might be. Further, he shall maintain the documents of these operations as follows:\n- to insert the following data and information into the records:\na. Name and address of the insurance company he is carrying out operations of insurance for as broker.\nb. Insurance operations carried by him as broker of the company\nc. Name of the insurance applicant, the insured, the beneficiary, the policy’s date of issue, and the due premiums.\n- to keep the documents relevant to the following brokerage operations in insurance:\na. The memos and correspondence of the broker’s operations\nb. The insurance policies and their endorsementsbrokered according to the Regulation herein.\nc. The serially numbered documents relevant to receipt, payment, entries and settlements and other financial transactions of the insurance brokerage operations carried out by the broker.\nd. The bank accounts of the insurance brokerage operations carried out by the broker.\n2. The insurance broker shall maintain the records and documents for five years at least as from date of closing them.\n3. The Director General shall determine the records and books ought to be maintained by the insurance broker for a period longer than the stated in the preceding paragraph.\nProviding the Insurance Authority with information\nExamining the insurance broker’s books and records\n1. The insurance broker shall be obliged to submit within one month as from the end of each year the following information to the Insurance Authority approved by anaccredited auditor:\na. The budget and the final statement of the accounts of the insurance brokerage operations in the State for the previous fiscal year.\nb. Names of the insurance companies the broker is dealing with and the amounts due to and from them at the end of the year.\nc. Amount of commissions received by the broker and the amount of commissions due from the companies for the previous fiscal year (each company separately).\nd. The statistical data required by the Insurance Authority according to specimen forms prepared for the purpose.\n2. The Director General may assign one or more of the Insurance Authority’s employees or appoint an outside entity to examine the broker’s operations and records and that the insurance broker shall put all the brokerage records, documents and entries at their disposal, cooperate with them and meet their requests in order to do their work in good order.\n3. The insurance broker shall bear the expenses determined by the Director General in case an outside entity is being appointed for such examination.\n4. The insurance broker shall submit any particulars or information requested by the Director General within the period as he determined for the purpose.\nDiscontinuing the Profession\nThe insurance broker may place an application to the Insurance Authority to discontinue working according to the following terms:\n1. Submit a written application indicating therein reasons of work discontinue.\n2. The period of discontinuation shall not exceed one year.\n3. The application shall be decided on by the Director General by acceptance or rejection. His decision shall be deemed final.\n4. The broker shall make the necessary procedures of following up the transactions originated prior to the discontinuation in order to protect interests of the client and the insurance companies.\n5. In case the broker did not resume his operations after the end of the specified period, a notice shall be served on him to resume his work within one month as from date of the notice and in case he did not resume his work, the Director General shall make a decision to write off his registration. The Director General’s decision shall be final.\n1. Should it appears for the Insurance Authority that the broker violated the provisions of the law, the Regulation herein, or any of the regulations, rules and resolutions issued by virtue of the Law, the Director General shall have the right to impose the following disciplinary penalties:\na. Serve a written notice on the broker on the incurred violations and necessity of remedyingthe situation according to the procedures and within the period determined by the Director General.\nb. Suspend the broker frompracticing the profession for a period not to exceed six months and in case of repeating the violationsuch period shall be doubled.\nc. Cancel the broker registration.\n2. If the broker did not remedy the situation as required according to paragraph (a) and (b) above, the Director General shall have the right to cancel the broker’s registration.\n3. The cancellation shall become compulsory in case the broker committed three violations of the Law, the Regulation herein or any of the regulations, rules, and resolutions issued by virtue of the Law.\n4. Penalties imposed by the Director General shall be without prejudices to the civil or penal liabilities determined by the Law or the related legislations.\nSuspension fromPracticing the Profession\n1. The broker shall be suspended from practicing the insurance brokerage profession in the following cases:\na. Dealing with an insurance company not registered in the insurance companies’ register.\nb. Delaying payment of his financial liabilities according to his agreement with the insurance company for a period exceeding three months as from their due dates.\nc. Assigning his registration to another person or renting out his main office or branches licensed to operate in the State.\nd. Non-renewing his registration with Insurance Authority within thirty days as from the expiry date of registration.\ne.Violating the Law in force or the Regulation herein or the resolutions organizing the insurance brokerage profession.\n2. The Director General shall make a decision to suspendthe broker from practicing the profession and inform the companies and the relevant bodies as so.\n3. The broker shall not practice the brokerage profession during the periodof suspension and shall remain liable for the liabilities accrued on him as a result of his operations prior to the date of issuing the suspensiondecision.\n4. In case the broker remedies reason led to such suspension in a way according to the Insurance Authority’s own discretion removed the reasons led to the suspension, the broker shall request resumption of his operations within three months as from date of issuing the suspension decision, otherwise the Insurance Authority shall take the procedures to write his registration off the register of the insurance brokers.\nWriting off the Registration\n1. The act of writing a registration of a broker off the Insurance Authority’s register shall be as follows:\na. A notice in two daily newspapers (one in Arabic and the other in English) issued in the State shall be published on the intention to write the broker off the register calling those opposing the writing off or those incurred damages from such an action to lodge their opposition to the Insurance Authority within one month as from date of publishing the notice.\nb. Following the expiry of the one month period and in case of resolving all the oppositionslodged to the Insurance Authority, the Director General shall make a decision to write off the registration and the broker shall be advised as so by a registered letter with acknowledgment receipt as well the companies and the pertinent authorities shall be informed of the writing off decision.\nc. A broker written off the register shall have no right to request be re-registered in the register except after lapse of three years as from date of issuing the writing off decision unless such action been affected according to the provisions of paragraph (3) of Article (20) of the Regulation herein as the broker shall not be re-registered.\n2. Should a decision been made to write the insurance broker off the register, the broker shall be obliged to fulfillthe duty related to the transactions originatedprior to the date of issuing the writing off decision in order to finalize all the incurred liabilities or transfer the operationsunder brokerage to another insurance broker(s) by approval of the client and the insurance company and shall advise the Insurance Authority of details of the transfer operations. However, such transfer shall not be valid unless approved by the Insurance Authority.The Insurance Authority shall have the right to oppose the transfer in case it appears that the transfer offer would threaten the interests of the insured.\nIn case of dispute arising from the brokerage operations in insurance between the insurance company and the insurance broker or between the insurance broker and the client, the dispute shall be referred before seeking judicial ruling to the Insurance Authority to attempt to find a compromise.\n1. Each entity carrying out brokerage operations in insurance upon putting the provisions of the Regulation herein into effect shall adjust its status according to the provisions of the Regulation herein within a period not to exceed one calendar year as from date of putting the Regulation herein into effect.\n2. The Insurance Authority shall charge the prescribed fees against any of the procedures the Insurance Authority is making according to the provisions of the Law and the regulations issued by its virtue.\n3. The provisions on the insurance broker issued by the Minister of Economy’s decree No (543) of 2006 on Organization of Practicing the Insurance Brokerage Profession shall be annulled.\n4. The Director General shall issue the necessary decisions to put the provisions of the Regulation herein into effect.\nPublication in the Official Gazette\nThe Regulation herein shall be published in the Official Gazette and put into effect as from date of publication.\nMinister of Economy\nChairman of the Board of the Insurance Authority\nIssued in Abu Dhabi on 00/00/2012", "domain": "finance"}
{"url": "https://www.rcmproservice.com/post/key-advantages-of-partnering-with-a-revenue-cycle-management-company", "date": "2024-03-04T16:23:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476452.25/warc/CC-MAIN-20240304133241-20240304163241-00010.warc.gz", "language_score": 0.9427986145019531, "token_count": 407, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__162973365", "lang": "en", "text": "The revenue cycle management process for healthcare has many different moving parts. It begins when a patient first books an appointment for medical services and ends when all payments related to the services have been received by the provider.\nHowever, the process in-between can be confusing for employees who don’t understand medical billing services. For example, proper medical coding must be used during the patient consultation. The patient’s medical chart must be accurate, and any notes properly accounted for.\nHow Can Medical Billing Companies in California Help My Practice?\nA revenue cycle management company can help your medical practice ensure you collect payments from your patients and their insurance providers. Here are a few ways that they may assist:\n1. Work with Patients to Gather Insurance Information Ahead of Time\nClients who schedule their visits ahead of time can provide their health insurance information upfront. A medical billing company can ensure that their insurance details are valid and that their coverage does extend to the patient’s upcoming visit.\nThis screening saves time for the physician’s office, which won’t need to gather the details when the patient arrives. It also provides the doctor with greater certainty that their claim will be accepted.\n2. Ensure Accurate Claims Are Submitted\nClaims that are missing information will likely be denied by health insurance companies. This denial can result in slower collections that affect the revenue cycle. Medical billing companies in California can assist your practice in ensuring that all claims are submitted according to the procedures set forth by the insurance provider.\n3. Provide Software that Automates Coding and Insurance Verification\nA medical billing company can provide your office with access to software that automatically ensures that each claim submitted to a health insurance provider has all of the information required.\nThis software can go a long way to improving the revenue process at your practice. What’s more, you won’t need to teach your staff how to use it — the medical billing company will be able to handle it for you.", "domain": "finance"}
{"url": "https://zirinskylaw.com/attorneys/", "date": "2024-02-22T21:26:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473824.45/warc/CC-MAIN-20240222193722-20240222223722-00657.warc.gz", "language_score": 0.9347161054611206, "token_count": 1656, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__7914843", "lang": "en", "text": "Bruce Zirinsky has concentrated his practice in U.S., foreign and cross-border restructurings and bankruptcies for more than 45 years and is recognized as one of the nation’s leading business and commercial litigation lawyers.\nIn 2018, Mr. Zirinsky was chosen for the second time by The American Lawyer as one of its Dealmakers of the Year for his role as company counsel in the successful chapter 11 reorganization of Republic Airways Holdings Corporation, having previously received the award in 2008 for his role as lead company counsel in the Northwest Airlines Corporation chapter 11 cases. In 2018, Mr. Zirinsky also received an award from M&A Advisor for the Cross-Border Restructuring of Ultrapetrol (Bahamas) Ltd. Mr. Zirinsky is a perennial selection by Best Lawyers of America and Super Lawyers and has received numerous other awards and accolades for his accomplishments in his field of practice.\nMr. Zirinsky’s clients include public and private companies, investment funds, hedge funds, and other investors, as well as banks, financial institutions, and official and ad hoc creditors’ committees. His practice includes both court-supervised and out-of-court restructurings, mergers and acquisitions, complex litigation, and business and other legal strategies, including strategies designed to mitigate the costs and risks of restructurings and to maximize returns to investors.\nOver the past four decades Mr. Zirinsky has played a prominent role in dozens of the largest restructurings, and bankruptcies covering a broad cross-section of industries, including financial services, automotive, air transportation, energy and power generation, oil and gas exploration and production, refining, real estate, hospitality, technology, communications, news and entertainment, cinema, shipping and petroleum services, rail, natural resources, and equipment leasing and finance. Representative matters include Bear Stearns Co., Continental Airlines, Northwest Airlines, Mirant Corporation, General Motors, Olympia & York Realty, Cadillac Fairview, Crescent Realty, Extended Stay Hotels, Landsource Corporation, Mirant Corporation, CNBC, North American Car Corporation, Republic Airways, and Ultrapetrol (Bahamas) Ltd.\nMr. Zirinsky graduated from Cornell University in 1969 with a B.S. in Industrial Labor Relations and a J.D. from New York University School of Law in 1972. He is admitted to practice in the State of New York, the United States District Court for the Southern District of New York, the United States Supreme Court, and numerous other federal courts throughout the United States.\nSharon Richardson practices in all areas of domestic and cross-border restructurings of financially distressed companies, representing debtors, lenders, prospective acquirers, investors, and creditors in chapter 11 cases, as well as in cases under chapters 9 and 15, and in restructurings outside formal judicial proceedings. Her representations include some of the largest and most innovative restructurings ever achieved and serve as the benchmarks in business reorganizations.\nMs. Richardson’s company-side lead restructuring engagements span a wide range of industries, including aviation, shipping, automotive, textile, retail, apparel, hospitality, energy, telecommunications, real estate, finance, and manufacturing, on behalf of Fortune 100, Fortune 500, and other companies, such as Republic Airways, Ultrapetrol (Bahamas), General Motors, Xerium Technologies, Security Capital Assurance, Regal Cinemas, Extended Stay Hotels, LandSource Communities, Atkins Nutritionals, WorldCom (MCI), PennCorp Financial Group, Crystal Brands, R.H. Macy & Co., JPS Textile Group, MB Holdings, Eastern Air Lines, Texaco Inc., and the chapter 15 foreign representatives of Hollinger Inc. and Kaupthing Bank.\nMs. Richardson also represents major institutions (which have included Bank of America Merrill Lynch, JPMorgan Chase, The Royal Bank of Scotland, Citibank, N.A., Brookfield Asset Management, General Electric Capital Corporation, 3M, and Odyssey Partners) as debtor-in-possession lenders, secured and unsecured creditors, prospective acquirers, and investors in numerous cases, such as Marco Polo Seatrade, SunCal Companies, Lehman Brothers, Blockbuster, Inc., U.S. Gen, Printing Arts America, Recycling Industries, Kamine/Besicorp Allegany, Taren Holdings, The Plaza Hotel, Telesphere Communications, Elder-Beerman, Cook Inlet Communications, and Southland Corporation. Her representations of official and unofficial committees have included the unsecured creditors’ committee in the Truvo USA and Piece Goods Shops chapter 11 cases and the informal bondholder group in the Homer City Funding chapter 11 case.\nMs. Richardson is editor of the two-volume treatise Reorganizing Failing Businesses (published by the American Bar Association, Section of Business Law) and Restructurings: Extracting Value from a Distressed Enterprise (Euromoney Publications), as well as author of numerous publications and has lectured on current bankruptcy issues.\nMs. Richardson has been recognized on multiple occasions by Super Lawyers, including as one of the top 30 women bankruptcy attorneys in New York and as a leading attorney overall in the New York City metropolitan area. She has served on the drafting committee for the U.S. Bankruptcy Court for the Southern District of New York, responsible for the procedural guidelines adopted for prepackaged chapter 11 cases and was a member of the working group for the development of the court’s electronic case filing system. Ms. Richardson is a member of the American Bar Association, the New York City Bar Association, and the American Bankruptcy Institute.\nMs. Richardson received her B.A. from William Smith College, her M.Ed. from Antioch/New England Graduate School, and her J.D. from Benjamin N. Cardozo School of Law, where she served as managing editor of the Cardozo Law Review. She is admitted to practice in the State of New York and the U.S. District Court for the Southern District of New York.\nGary Ticoll represents institutional investors, public corporations, bondholders, hedge funds, postpetition lenders, and acquirers of distressed assets in complex corporate reorganizations both out of court and in chapter 11. Representations include public corporations and chapter 11 debtors involving domestic, multi-jurisdictional, and cross-border matters across a wide variety of industries including shipping, aviation, telecommunications, automotive, healthcare, finance, and real estate.\nMr. Ticoll’s debtor representations include Republic Airways, Ultrapetrol (Bahamas), Parmalat, Global Crossing, Telewest, and Twinlabs. On the non-debtor side, Mr. Ticoll’s representations include a group of hedge funds in the GM bankruptcy in connection with Nova Scotia bond, a bond investor group in the Rubicon chapter 11 loan, Starwood Capital in Extended Stay, and Square Mile in a number of contentious bankruptcy litigations involving hotels and extended care facilities.\nMr. Ticoll also represented lenders, lessors, and investors in the bankruptcy cases of debtors such as GST Telecommunications, National Steel Corporation, Golden Books Family Entertainment, and Star Telecommunications, and General Motors in the chapter 11 cases of Tower Automotive and Delphi. Mr Ticoll represented the official committee of unsecured creditors in the chapter 11 cases of Mariner Post Acute Network, Inc.\nMr. Ticoll received his M.S. (Computer Science) and B.S. (Mathematics) from McGill University, and LL.B and B.C.L. law degrees from McGill University School of Law. Mr. Ticoll is admitted to practice in the State of New York, the United States District Court for the Southern District of New York, the United States District Court for the Eastern District of New York, the United States District Court for the Eastern District of Michigan, the Second Circuit Court of Appeals, and the First Circuit Court of Appeals.", "domain": "finance"}
{"url": "https://www.americananchorhomes.com/turnkey-investors", "date": "2019-10-16T19:49:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986669546.24/warc/CC-MAIN-20191016190431-20191016213931-00156.warc.gz", "language_score": 0.9369943737983704, "token_count": 298, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__75341704", "lang": "en", "text": "investing in turnkey rentals\nAmerican Anchor Homes is committed to providing you with sustainable real estate investment properties in Cleveland, Ohio. Our goal is to help you create positive cash flow and passive income, while also providing high quality rental homes for hardworking families and tenants. Creating and building relationships is important to us. We'll walk you through every step to ensure a simple, stress free investment process. Our team will manage every aspect of your investment property, so you can truly be hands-off.\n- We prefer cash investors, but if you will be using financing, you will need to get pre-approved.\n*If you need a lender, we have a network of preferred lenders who specialize in investment loans.\n- Select the property you're interested in from our website by submitting an inquiry, our sales team will be in touch within 24 hours.\n- We'll send you a contract for the property, which you'll review and send back to us.\n- You'll send a deposit (earnest money) to our title company.\n- If you wish to arrange home inspections, we will schedule them at this point.\n- Closing documents will be reviewed and signed. Once docs are signed, the property is yours!\n- We'll then introduce you to our Property Management team.\nNot sure if turnkey is for you? Have a question for us?\nSend us a message, and we'll get back to you within 24 hours.", "domain": "finance"}
{"url": "http://www.wammdc.org/wamm.nsf/DocView?Open&UNID=714a81f1b7a1ed21852587c300032862", "date": "2022-08-13T22:05:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571987.60/warc/CC-MAIN-20220813202507-20220813232507-00571.warc.gz", "language_score": 0.9458584785461426, "token_count": 291, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__129117253", "lang": "en", "text": "Fixed Income Market Update\nPlease join us at our event on\nWednesday, January 19, 2022 at 6:15 PM\nPresented online via GoToMeeting\nAccess instructions will be emailed to those who register\nAll eyes are on interest rates as we begin a new year. How quickly might the Federal Reserve raise interest rates and taper its asset purchases, and how much might this dampen the bond markets and markets overall? Are investors’ fears of higher inflation well-founded and which fixed income asset classes are best positioned for gains in 2022?\nJoin us for exclusive insights from Ellen Safir, founder and Chief Investment Officer of New Century Advisors (NCA), where she is responsible for the firm’s overall investment and business strategies. An early adopter of TIPS, she has helped advance the firm's reputation as an expert in inflation-linked securities. Her expertise includes high-yield and emerging markets as well as traditional fixed income sectors.\nPlease note that the Chatham House Rule applies – neither the comments of the speaker nor those of other participants are for attribution.\nPlease register by 5:00 PM ET on Wednesday, Jan 19, 2022 below and provide your name, email address, and the name of your company/employer. Note that there is a limit to the number of participants. Please register early! Conference call details will be provided prior to the call on Wednesday, Jan 19, 2022.", "domain": "finance"}
{"url": "https://www.mfamfunds.com/insights/motley-fool-global-opportunities-fund-results-third-quarter-2018/", "date": "2020-10-26T06:18:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107890586.57/warc/CC-MAIN-20201026061044-20201026091044-00664.warc.gz", "language_score": 0.9605017304420471, "token_count": 1480, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__163360330", "lang": "en", "text": "In September, the Federal Reserve raised target U.S. interest rates for the third time in 2018, sending a clear signal that the strong domestic economy continues to chug along. Our read of the data is similar – this is a very healthy economy. Central bankers elsewhere in the world remain accommodating, cajoling growth without being extreme.\nThe relative performance of global economies lines up with the performance of global markets. In the third quarter, the U.S. market rose 6.7%, international developed markets climbed 2.9%, and emerging markets fell by 0.2%. Year to date through the third quarter, the U.S. market is up 8.1%, international developed markets are down 3.1%, and emerging markets have declined by 11.7%.\nWe continue to see strong results from most of the businesses we own. The MFAM Global Opportunities Fund advanced 7.1% during the quarter and is up 13.2% for the year. That performance handily outpaces our benchmark, the FTSE Global All Cap, which has risen around 4% for both comparable periods. The fund is nicely ahead of its benchmark not just year to date but also since inception.\nOur best performing stock during the quarter was Paycom Software, up 57%. What began as a cloud-based payroll processing firm today offers a full software suite to manage the entire life cycle of an employee, from hiring to departure. The breadth of its product suite, its ease of use, and an effective sales organization have helped Paycom become a winner in the midsize segment of its market. In a recent financial release, the company reported accelerating revenue growth and impressive profitability. Paycom has benefited from a strengthening U.S. employment picture, but it also continues to take market share from upstart and incumbent competitors. It has grown to become a top 10 position in the fund.\nOur worst performer this quarter was IPG Photonics, down 29%. Investors were caught off guard when the company reduced sales growth expectations for the remainder of the year, and ongoing tariff and trade issues spooked customers in both China and Europe. About half of the company’s sales are to China, and customers simply didn’t order at the expected rate. However, those orders were delayed, not canceled. The company has been disrupting the laser market for some time, and our holding has been a fantastic winner for the fund. IPG remains the leader in the high-power fiber laser market. Fiber lasers are being increasingly used in machining and industrial applications, since they’re more efficient and precise, require less maintenance, and cost less than traditional lasers. We acknowledge there will be ups and downs, especially given the company’s end markets, but we also take heart in seeing that management continues to prepare for higher volumes by purchasing land and building a new manufacturing facility. We feel confident that future performance will have a positive slope.\nDuring the quarter we sold two long-time holdings: Berkshire Hathaway and Infinera. Warren Buffett’s company sports an impressive amalgamation of businesses, but its crown jewel is its insurance operations. Our decision to sell was simply one of opportunity costs. While we continue to view Berkshire as a low-risk holding, given its diverse operations and remarkable leadership, we felt our return expectations over the next decade were lackluster. Last quarter I wrote: “We manage focused portfolios, and the bar for capital commitment must remain high. When opportunities arise to improve portfolio quality, return potential, and risk exposures with a high level of confidence, we take action.” Selling Berkshire is consistent with that approach.\nInfinera’s history in the fund has been eventful, at times being a multibagger and at other times being a drag on our performance. We’ve always liked the secular trends underlying Infinera’s customer demand, since an increasingly connected world with an insatiable appetite for data needs the kind of networking equipment Infinera makes. However, we’ve grown increasingly skeptical of our initial view of the company’s advantage, and we also note its persistent execution issues, along with a strategy that increasingly hinges on acquiring other businesses to try to make things better. In short, we were wrong on our assessment of Infinera’s business quality. We misjudged in each of the four pillars of quality. We consider it a learning experience and will endeavor not to make the same mistake again.\nObserving economic data is fine, but it’s a backward-looking view. I believe our fund’s strong performance is the result of a clear focus on the future. The types of businesses we seek out – high-quality, growth-oriented businesses that are addressing large, underserved markets — are ones that should perform admirably in any economic environment. While the performance of their stock prices may diverge temporarily, business fundamentals will be the gravity that brings those prices back in line with reality. With that guiding belief, our focus will remain on analyzing businesses with a long-term mindset, a relentless desire to upgrade our portfolio, and a humility that keeps our decision-making calculated.\nThe Small-Mid Cap Growth Fund changed its name from The Great America Fund on December 31, 2017.\nNote: The Morningstar RatingTM for funds, or ‘star rating’, is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. As of 9/30/2018, the Motley Fool Global Opportunities Fund (Investor shares) was rated in the World Large Stock Funds category, receiving a five-star rating among 739 funds over a three-year period and a four-star rating among 611 funds over a five-year period.\nExchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product’s monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10- year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods. Past performance is no guarantee of future results.", "domain": "finance"}
{"url": "https://ssl.application.studio/posts/How_SSL_Encryption_Safeguards_Online_Financial_Transactions", "date": "2023-12-04T06:10:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100525.55/warc/CC-MAIN-20231204052342-20231204082342-00856.warc.gz", "language_score": 0.8747350573539734, "token_count": 624, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__314025406", "lang": "en", "text": "How SSL Encryption Safeguards Online Financial Transactions\nIn today's digital landscape, the importance of ensuring secure online financial transactions cannot be overstated. As technology evolves, so do the methods employed by cybercriminals to compromise sensitive information, making it crucial for businesses and consumers to prioritize the implementation of robust security measures. One such measure that has become a standard in the industry is SSL encryption.\nUnderstanding SSL Encryption\nSecure Socket Layer (SSL) encryption is a cryptographic protocol that establishes a secure connection between a web server and a user's browser. This protocol ensures that the information exchanged during the online transaction remains encrypted and protected from unauthorized access.\nThe Role of SSL Encryption in Online Financial Transactions\nData Encryption: SSL encryption encrypts data transmitted between the web server and the user's browser, making it virtually impossible for malicious actors to intercept and decipher sensitive information such as credit card details, social security numbers, or banking credentials.\nAuthentication: SSL certificates are issued by trusted Certificate Authorities (CAs) that verify the identity and legitimacy of the website or organization. This authentication ensures that users are interacting with a trusted entity, reducing the risk of falling victim to phishing scams or visiting fraudulent websites posing as legitimate financial institutions.\nData Integrity: SSL encryption also encompasses data integrity, ensuring that the information exchanged during a transaction remains unaltered. By utilizing hashing algorithms and digital signatures, SSL protocols detect any modifications or tampering attempts, thereby safeguarding the integrity of sensitive data.\nTrust and Customer Confidence: Implementing SSL encryption is a clear demonstration of a website owner's commitment to protecting their users' data. Visible SSL indicators such as the padlock icon and \"https://\" in the URL instill trust and confidence in users, significantly increasing the likelihood of them proceeding with online financial transactions.\nSSL Best Practices for Websites\nTo maximize the effectiveness of SSL encryption for online financial transactions, consider the following best practices:\nObtain a Trusted SSL Certificate: Ensure your SSL certificate is obtained from a reputable Certificate Authority. This ensures that users' browsers recognize and trust your website's SSL encryption.\nKeep Certificates Up to Date: Regularly renew and update SSL certificates to avoid any disruptions in security and maintain the trust of your users.\nEnable HTTPS for Entire Website: Extend SSL encryption throughout your entire website, not just the transactional areas. This provides a consistent and secure experience for users.\nInvestigate Extended Validation (EV) Certificates: EV Certificates offer the highest level of authentication and display the company name prominently in the browser's address bar. Consider obtaining an EV Certificate to establish an even greater sense of trust.\nIn the realm of online financial transactions, SSL encryption plays a pivotal role in establishing a secure environment for businesses and consumers alike. By encrypting data, providing authentication, ensuring data integrity, and building trust, SSL encryption safeguards sensitive information from falling into the wrong hands. Implementing SSL best practices should be a priority for any website processing online financial transactions, helping to create a safe and secure digital landscape for all users.", "domain": "finance"}
{"url": "http://kspec.com.au/nsw-home-warranty-inspections/", "date": "2019-09-18T13:36:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573289.83/warc/CC-MAIN-20190918131429-20190918153429-00483.warc.gz", "language_score": 0.9394237399101257, "token_count": 380, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__41491752", "lang": "en", "text": "NSW Owner Builder Home Warranty insurance scheme is an important part of the NSW government consumer protection strategy.\nOwner Builder Warranty is designed to provide a safety net (added security measure) to the purchaser of an owner built home or residential construction.\nHome Warranty is designed to protect the purchaser (not the Owner Builder), if and when the Owner Builder is unable or unwilling to fulfil their legal obligation to rectify any defective work in an event of death, disappearance or insolvency of contractor/builder/owner-builder.\nA Home Warranty Inspection or Owner Builder Inspection is carried out as a final check of works completed by an owner builder as a requirement of home warranty insurance cover. The inspection is to ensure there are no incomplete works or major defects.\nFrom 1 February 2012, home warranty insurance is required to be obtained where the contract price (or value of work) is over $20,000.\nWe carry out home warranty inspections / Owner Builder Inspections for bathroom renovations, kitchen renovations, additions, extensions, alterations, new homes, subdivisions, duplexes, dual occupancies, units and villa developments.\nOnce the inspection has been carried out, we compile a Home Warranty inspection report or Owner Builder Warranty Report for you to submit to your insurer.\nPlease remember if you are selling or intend to sell your property that you were the owner builder or if you have done any renovations or additions under an owner builder permit in the past 6 years. It is a legal requirement to obtain home warranty insurance prior to the sale of the property.\nYou can visit the warranty insurance fund website for more information.\nK-Spec Building Consultants comply with the relevant Australian Standards, AS 4349.0 & AS 4349.1\nIt is important to note that Home Warranty Inspections are not the same as pre-purchase Building Inspections (see our Pre Purchase inspection)", "domain": "finance"}
{"url": "https://ledgeiocomstiart.gitbook.io/us", "date": "2024-04-14T15:18:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.72/warc/CC-MAIN-20240414130604-20240414160604-00891.warc.gz", "language_score": 0.8903785943984985, "token_count": 678, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__117481788", "lang": "en", "text": "Ledger.com/start serves as your gateway to beginning your journey into the world of secure cryptocurrency management. In this guide, we'll walk you through the steps to get started with Ledger, ensuring that you can securely store, manage, and transact your digital assets with confidence.\n1. Visit Ledger.com/start:\nBegin by navigating to ledger.com/start in your web browser. This page serves as the starting point for setting up your Ledger device and creating a new cryptocurrency wallet.\n2. Choose Your Ledger Device:\nOn the ledger.com/start page, you'll find options for different Ledger devices, such as Ledger Nano S, Ledger Nano X, and Ledger Nano Blue. Choose the device that best fits your needs and preferences.\n3. Purchase Your Ledger Device:\nIf you haven't already, you'll need to purchase your Ledger device. You can do this directly from the Ledger website or through authorized retailers.\n4. Initialize Your Ledger Device:\nOnce you've received your Ledger device, follow the instructions provided to initialize it. This typically involves setting a device label, creating a PIN code, and generating a recovery seed phrase.\n5. Backup Your Recovery Seed:\nDuring the initialization process, your Ledger device will generate a recovery seed phrase consisting of 24 words. Write down this seed phrase and store it in a safe and secure location offline. Your seed phrase is essential for recovering access to your wallet if your Ledger device is lost, stolen, or damaged.\n6. Install Ledger Live:\nAfter initializing your Ledger device, you'll need to install Ledger Live, the companion software application that allows you to manage your cryptocurrency assets. You can download Ledger Live from the Ledger website or through the appropriate app store for your device.\n7. Connect Your Ledger Device:\nConnect your Ledger device to your computer or mobile device using the provided USB cable. Ensure that your device is powered on and unlocked.\n8. Follow On-Screen Instructions:\nOnce your Ledger device is connected, launch Ledger Live and follow the on-screen instructions to set up your account and link your Ledger device. You may need to install device drivers or firmware updates if prompted.\n9. Add Cryptocurrency Accounts:\nWith your Ledger device connected and initialized, you can now add cryptocurrency accounts to Ledger Live. Navigate to the \"Accounts\" tab and follow the prompts to add accounts for the cryptocurrencies you wish to manage.\n10. Secure Your Accounts:\nSet up additional security features within Ledger Live, such as PIN protection, passphrase encryption, and two-factor authentication (2FA), to enhance the security of your accounts.\n11. Manage Your Portfolio:\nOnce your accounts are added, you can use Ledger Live to monitor your cryptocurrency portfolio, view account balances, track transaction history, and execute transactions securely.\nBy following these steps outlined on ledger.com/start, you can securely set up and manage your cryptocurrency assets with Ledger. With its robust security features, user-friendly interface, and comprehensive cryptocurrency support, Ledger provides you with the tools you need to take control of your digital finances with confidence.", "domain": "finance"}
{"url": "http://stopsmoking-tips.org/reward-yourself-after-quitting-smoking/368", "date": "2022-07-05T09:20:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104542759.82/warc/CC-MAIN-20220705083545-20220705113545-00592.warc.gz", "language_score": 0.9604877829551697, "token_count": 408, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__169486617", "lang": "en", "text": "Quitting smoking is a huge accomplishment and you are going to want to reward yourself at some point. The reward aspect will help to motivate and keep your eyes on the future of not smoking. Smoking is an expensive habit and can for some cost them over $2,000 per year. That isn’t including possible medical costs and the cost of lost productivity at work.\nThe best way to reward yourself after quitting smoking is to calculate how much you spend daily on cigarettes then multiply by 365 to find out the yearly cost. For example; if you smoke a pack a day at $4 each (in actuality it is more like $5.15) you are spending ($4 x 365) $1,460 a year on cigarettes. If you smoke a pack of cigarettes every other day then you are spending approximately $2 a day or $730 year. Think about what you could do with that extra money. You could buy additional food for the family, pay bills, buy a tv, take a trip, join a gym, buy a camera, etc. With the above scenarios, that is $60 to $120 a month that is spent on cigarettes. You know that there are better ways to spend that money!\nFor many it may be difficult to wait a full year to reward yourself for quitting. A good place to start is the day you quit smoking put what you used to spend daily on smokes into a jar. After the first 30 days take that money and reward yourself. Continue to contribute to your “reward fund” and this time reward yourself at the six month marker. As you can see the rewards get bigger and better.\nThis is an important step to do when quitting smoking. It helps to keep motivated and reinforces your decision to quit. Take the time the first year to do this because if you let it go you may look back and still wonder where all your money goes. It seems no matter how much money you make a month it always goes fast so plan to reward yourself.", "domain": "finance"}
{"url": "http://frontiertitlegroup.com/", "date": "2018-12-17T15:00:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376828507.84/warc/CC-MAIN-20181217135323-20181217161323-00247.warc.gz", "language_score": 0.9230114817619324, "token_count": 458, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__181180134", "lang": "en", "text": "Frontier Title provides personalized service and attention in all aspects of closing real estate transactions.\nAbout Frontier Title Group\nFrontier Title provides personalized service and attention in all aspects of closing real estate transactions. From the careful management of escrow funds and the clearance of title issues, to the preparation and closing of your file, we understand the unique needs of each of our clients. You can rely on our dedicated staff to be proactive at all times, avoiding last minute obstacles that could otherwise create unnecessary delays.\nFounder, Michael Sexton, has over 30 years of experience as a senior manager for major title insurance underwriters and has overseen and underwritten thousands of real estate transactions. His unique experience and grasp of the market, along with his ability to provide accurate underwriting solutions quickly, gives our customers an edge in this challenging market when every decision is critical. Each office is staffed by managers who are licensed and have a minimum of years of experience in the title insurance business.\nOur expert team of title examiners and closers guide real estate agents, buyer and sellers through the closing process. There are never any up-front fees. Customer Service 24 hours is the typical turnaround time for title commitments and in most cases we can provide them in a matter of hours. We do this by utilizing our in-house title search team, thereby providing the highest level of service to our customers.\nAt Frontier Title Group, security of escrow funds is our highest priority. Our title company is underwritten by Alliant National Title Insurance Company, one of the leading providers of title insurance and related services to the real estate industry. At Frontier Title Group, we utilize the latest anti-fraud software, including positive pay, daily reconciliation of the escrow accounting plus a complete integration with our underwriter to provide maximum security of escrow funds. Our company maintains a $1,000,000 errors and omissions policy, a $50,000 fidelity bond and a $35,000 Surety Bond.\nA Winning Combination\nWith a combination of experience, dedication and ethical practices, Frontier Title Group offers expert underwriting, reliability and quality service. For a quote on your next title order, please contact us at 800-330-5580. We look forward to serving you!", "domain": "finance"}
{"url": "https://florislatinkitchen.com/10-essential-insurance-policies-you-cant-afford-to-ignore/", "date": "2023-12-02T02:12:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100309.57/warc/CC-MAIN-20231202010506-20231202040506-00803.warc.gz", "language_score": 0.9392468333244324, "token_count": 608, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__76213159", "lang": "en", "text": "In an unpredictable world, insurance acts as a financial safety net, shielding you and your loved ones from unexpected events. Understanding the diverse range of insurance policies available can empower you to make informed decisions that protect your assets, health, and peace of mind. Here’s an in-depth look at the ten essential insurance policies you should consider:\nHealth insurance is your ticket to quality healthcare without exorbitant costs. It covers hospitalization, medical treatments, prescription drugs, and preventive care. Having health insurance ensures you can focus on your recovery instead of worrying about medical bills.\nLife insurance provides financial support to your family in the event of your demise. It can cover funeral expenses, outstanding debts, mortgages, and even fund your children’s education. Having adequate life insurance ensures your loved ones are financially secure, even if you’re not around.\nAuto insurance is mandatory in most places and protects you from financial liabilities in case of accidents. It covers repair costs for your vehicle and any other property damaged in the accident. Additionally, it offers liability coverage, safeguarding you from legal consequences.\nHomeowners insurance protects your home and belongings from damage or theft. Renters insurance covers personal property in rental units. Both policies also provide liability protection, which is crucial in case someone is injured while on your property.\nDisability insurance ensures you have a source of income if you’re unable to work due to a disability. It covers a portion of your salary, allowing you to maintain your lifestyle and meet financial commitments despite the loss of income.\nTravel insurance provides coverage for various travel-related issues such as trip cancellations, medical emergencies, lost luggage, and flight delays. It offers peace of mind during your travels, ensuring you are financially protected against unexpected events.\nLong-Term Care Insurance\nLong-term care insurance covers the costs of extended healthcare services, including nursing homes and in-home care. It is especially important as regular health insurance plans may not cover these expenses, which can be significant in the long run.\nIf you own a business, various insurance policies such as property insurance, liability insurance, and workers’ compensation insurance protect your business assets and employees. Business insurance safeguards your venture from unexpected events, allowing it to thrive even during challenging times.\nPet insurance covers veterinary costs for your beloved pets. It ensures that you can provide them with necessary medical care, including surgeries and treatments, without worrying about the financial burden.\nUmbrella insurance provides additional liability coverage beyond the limits of your existing policies. It offers an extra layer of protection, guarding your assets and future earnings in case you face a lawsuit or substantial financial liability.\nInvesting in these essential insurance policies is an investment in your future and the well-being of your loved ones. Carefully assess your needs, consult with insurance experts, and create a robust insurance portfolio tailored to your unique circumstances. By doing so, you are not only securing your present but also building a foundation for a financially stable future.", "domain": "finance"}
{"url": "https://naftz.org/team/morris-melvin/", "date": "2022-08-09T14:14:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570977.50/warc/CC-MAIN-20220809124724-20220809154724-00329.warc.gz", "language_score": 0.9451457262039185, "token_count": 153, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__125002664", "lang": "en", "text": "Senior Manager of Accounting and Administration\nAs Senior Manager of Accounting and Administration, Morris is responsible for all accounting functions for the association, including financial statements and audits, member billing and recordkeeping, and staff payroll and benefits administration. He also serves as office manager for our Washington, DC headquarters.\nBefore joining NAFTZ, Morris was a Senior Accountant for National League of Cities in Washington, DC. He has also held accounting positions at the American Society of Civil Engineers in Reston, VA, National Linen Service in Alexandria, VA and PricewaterhouseCoopers in Chicago, IL.\nMorris holds a Bachelor of Science degree in Business from Cornell University.", "domain": "finance"}
{"url": "https://ninjatrader.medium.com/what-are-btic-bitcoin-futures-46a9b24e7c34?source=post_internal_links---------0----------------------------", "date": "2024-04-12T13:31:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00302.warc.gz", "language_score": 0.9178937673568726, "token_count": 794, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__153561446", "lang": "en", "text": "What is BTIC?\nBasis Trade at Index Close (BTIC) allows market participants to trade futures at a fixed spread to the reference price of a known benchmark index.\nWatch this 4 -min video to learn more about BTIC Bitcoin Futures\nHow does BTIC work?\nBTIC orders and transactions have their own unique tickers, providing market participants price discovery and transparency on the spread between the price of the futures contract and the underlying index throughout the trading day.\nFor cryptocurrencies, the value of the spread depends on the futures implied financing rate, the time left to contract maturity, and perceived volatility among other factors. The spread can either be negative or positive.\nOnce the official reference rate is published, the resultant futures of the BTIC transaction are cleared at a price equal to the reference rate and the agreed upon BTIC trade price.\nBTIC transactions completed by 4:00 p.m. London time will use that trade date’s Reference Rate to calculate the corresponding futures price while those BTIC transactions completed after 4:00 p.m. London time will be against the next trade date’s Reference Rate.\nBTIC Bitcoin Example\nAt 9:00 a.m. New York time/Eastern Time (ET), a Bitcoin-focused fund manager receives an inflow of $5 million dollars which needs to be allocated to the benchmark CME CF Bitcoin Reference Rate (BRR) for that day.\nWith Bitcoin futures trading at $60,000 per Bitcoin, the trader calculates that the fair value of the spread between Bitcoin futures and the BRR is plus $100 per Bitcoin. She submits an order to buy 25 Bitcoin futures contracts via BTIC at that basis of plus $100 dollars based on that day’s Bitcoin Reference Rate.\nAt the same time, a trader on a crypto lending desk realizes he could save money by replacing his short physical Bitcoin position with CME Bitcoin futures. He calculates that he needs to sell those futures at a basis of plus $100 dollars per Bitcoin or higher.\nHaving sold the futures via BTIC, the crypto brokerage can purchase $5 million dollars’ worth of Bitcoin in the OTC spot market against the BRR for that day to transpose his short physical Bitcoin position to futures. Now the BTIC is complete.\nThe fund manager was able to expeditiously and efficiently gain exposure to Bitcoin’s price while the crypto lending firm was able to shift their Bitcoin exposure from the physical market to more capital-efficient futures. Shortly after 4:00 p.m. London time, the official BRR level of 60,500 is published. The trade is now settled.\nThe fund manager buys 25 Bitcoin futures contracts for $60,600 which is a plus one-hundred basis to the BRR level, and the crypto lending desk sells them at the same price.\nThis illustrates how some crypto market participants may use BTIC, and how the mechanism can provide traders the ability to optimize their holdings between Bitcoin futures and physical Bitcoin.\nGet Started with NinjaTrader\nNinjaTrader supports more than 500,000 traders worldwide with a powerful and user-friendly trading platform, discount futures brokerage and world-class support. NinjaTrader is always free to use for advanced charting & strategy backtesting through an immersive trading simulator.\nDownload NinjaTrader’s award-winning trading platform and get started with a free trading demo with real-time market data today!\nThis article is intended for educational and informational purposes only and should not be viewed as a solicitation or recommendation of any product, service or trading strategy. It includes content from independent persons or companies that are in no manner affiliated with NinjaTrader Group (NTG) or any of its affiliates. The content and opinions expressed in this article do not necessarily reflect the official policy or position of NinjaTrader or any of its affiliates.", "domain": "finance"}
{"url": "https://www.equistax.com/about-us", "date": "2023-12-08T07:17:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100724.48/warc/CC-MAIN-20231208045320-20231208075320-00695.warc.gz", "language_score": 0.944919764995575, "token_count": 402, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__15533724", "lang": "en", "text": "EQUIS Tax LLC is a Massachusetts-based accounting firm specializing in taxation. EQUIS services include tax compliance/preparation, tax planning, tax resolution, audit representation, accounting/bookkeeping, and related professional services for Individuals, Businesses, Estates, Trusts, and Non-Profits.\nLocated in Lynnfield, Massachusetts, EQUIS serves clients throughout the United States. EQUIS tax accountants, along with their 3rd party affiliates, provide a collaborative team of highly qualified professionals to help clients meet all of their tax, business, estate, legal, and financial planning needs.\nEstablished in 2000, EQUIS is a family practice dedicated to providing a high level of service to its clients, year-round. EQUIS tax accountants are federally licensed with unlimited rights to practice before the Internal Revenue Service in all 50 States, and can represent taxpayers before the IRS worldwide.\nLawrence J. Drinkwater, Jr., EA\nPrincipal & Tax Accountant\nLarry Drinkwater, the founder and principal of EQUIS, is a federally licensed Enrolled Agent with more than 40 years of business management, tax, and accounting experience, supporting organizations ranging from small start-ups to Fortune 50 enterprises. Larry specializes in business consultation, and advises EQUIS clients in all areas of Individual, Business, and Estate taxation.\nMarc L. Drinkwater, EA\nMarc Drinkwater joined EQUIS in 2005 to coordinate the firm’s tax research function. Marc became federally licensed as an Enrolled Agent in 2013. His knowledge and application of tax law, case law, and revenue rulings span a wide range of Individual, Business, and Estate tax topics. Marc collaborates with Larry in support of all EQUIS clients.\nKaren A. Drinkwater\nKaren Drinkwater joined EQUIS shortly after its formation in 2000 to manage office administration, and to help maximize the firm’s productivity during the tax filing season. All scheduling is coordinated directly through Karen.", "domain": "finance"}
{"url": "http://euphoricblog.com/finance-faq.html", "date": "2022-05-28T04:48:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652663012542.85/warc/CC-MAIN-20220528031224-20220528061224-00538.warc.gz", "language_score": 0.9495449662208557, "token_count": 330, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__65365140", "lang": "en", "text": "Finance Frequently Asked Questions(FAQ)\nBeaver Coach Sales understands that your next RV purchase is an investment in your future. We hope the following questions and answers help simplify the process. If you don't see your question below contact us or visit us at our facility in Bend, Oregon.\nHow much money will I need upfront to purchase an RV?\nAs a general rule, lenders require a minimum of 10% down in the form of cash, actual trade equity or a combination of both.\nWhat are the longest payment terms for an RV?\nMany of our lenders offer terms up to 240 months (20 years) if certain criteria is met.\nDo I need good credit to qualify for an RV loan?\nA good credit rating will help secure the best available rates and terms, we also partner with lenders that will work with those that may have experienced a bump or two in the road.\nCan I trade in my RV if I have a balance or lien on my trade?\nAbsolutely! In fact, trade-ins with pay-offs represent the bulk of our transactions.\nWhat banks do you use for RV financing?\nWe partner with several banks such as US Bank, Bank of America, Bank of the West, Huntington Bank and Ally Bank. We also work with local and national credit unions.\nWhat would a monthly RV payment look like?\nOur goal is to always secure the lowest and best terms available. Your monthly payment is ultimately based on the amount financed and the final terms approved. We are happy to work with you to achieve the RV of your dreams at a payment that is comfortable.", "domain": "finance"}
{"url": "https://www.creatinggenerationalwealth.info", "date": "2024-03-05T04:48:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948217723.97/warc/CC-MAIN-20240305024700-20240305054700-00548.warc.gz", "language_score": 0.9434857368469238, "token_count": 148, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__53698590", "lang": "en", "text": "Since last month\nOnly one thing stands between you and the generational wealth you desire to create: developing a proven, time-tested plan based on solid information. The wealthiest families and institutions around the globe use this approach every single day. Eighty percent of Americans do not have the information they need to create financial stability or generational wealth. While it may seem like you have to be wealthy to generate even more wealth, nothing can be further from the truth. There are no secrets! In this powerful resource, wealth strategist Douglas A. C. Eze draws on his personal journey from immigrant to financial expert, extensive experience with wealthy clients and decades of research to reveal a practical approach that helps every day, ordinary people create lasting financial legacies.", "domain": "finance"}
{"url": "http://www.neerajfinancial.com/resources.html", "date": "2013-05-20T09:28:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368698693943/warc/CC-MAIN-20130516100453-00044-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9500303268432617, "token_count": 1926, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__57623247", "lang": "en", "text": "Current Issue - Do you have $10,000+ overseas?\nONGOING CASE: HSBC India Client (Dr. Arvind Ahuja of Greendale, Wisconsin) Indicted for Filing False Tax Returns and Failing to Report Foreign Bank Account. Click here for Department of Justice, Press Release. (June, 2011)\nRECENT INDIA ABROAD PUBLICATION: \"The Battle Lines Are Drawn\" (Aug 5, 2011). In response to this on-point article, I wrote the following Letter to the Editor. My letter in its entirety is below:\nDear India Abroad Editor – The cover article, \"The Battle Lines Are Drawn\" (India Abroad, Aug 5, 2011), paints a picture of doom and gloom for U.S. persons who have undisclosed financial interests in overseas financial accounts that exceed USD equivalent of $10,000 in aggregate. The article falsely chooses to suggest that all cases are treated the same. In fact, the opposite is true - each case must be evaluated independently. The article goes on to suggest that U.S. persons have only two choices: 1) apply for the 2011 Offshore Voluntary Disclosure Initiative (OVDI) which is available only through August 31, 2011 or 2) take a \"monumental\" risk in the form of \"harsher penalties and even jail time.\" This is absolutely not true. While the OVDI is an option, it is not the only option that U.S. persons have.\nThe OVDI program, at a glance - If accepted into the OVDI program, then taxpayers become compliant while avoiding substantial civil penalties of prior noncompliance of reporting of foreign bank and financial accounts and generally eliminate the risk of criminal prosecution. The OVDI comes with a cost; in lieu of other penalties that may apply, taxpayers may need to pay a penalty equal to 25% of the highest aggregate balance in foreign bank accounts during the period covered by the program, calendar years 2003-2010.\nMy name is Neeraj L. Shah, and I am based in Rochester, NY. I am a licensed CPA and attorney. We serve clients nationwide. My practice area is focused in estate planning, business law, and tax law. I am very well versed in the subject matter herein. The information in this letter does not constitute legal advice, but is merely an attempt to calm the readers of this publication and inform them that they still have options; options which may include minimal or even no penalties for prior noncompliance of reporting foreign bank and financial accounts. Penalties and interest with respect to unreported income on individual income tax returns are still likely to be assessed.\nMy message is clear: each case requires an individual assessment of its facts and circumstances (this includes but is not limited to the source of funds, foreign income relative to U.S. adjusted gross income, and your intent). It is to your benefit to consult a professional in the area who can duly provide you with your options. You will have more options today, than you have tomorrow - the August 31, 2011 deadline for applying for the 2011 OVDI is approaching fast. Contrary to what was implied in the article that was published in the Aug 5, 2011 issue, you should consider other options available to you.\nNeeraj L. Shah, Esq., MBA, CPA\nRECENT DAILY RECORD PUBLICATION: The Daily Record is Western New York’s daily publication with a focus on law, real estate, and finance. In its cover article published on September 6, 2011, “IRS Offshore Deadline is Friday,” Neeraj L. Shah was interviewed:\nQ. Do you have over $10,000 overseas?\nA. If not disclosed to the IRS, you may be liable, both civilly and criminally. There was a August 31, 2011 deadline that the IRS imposed to apply for a voluntary disclosure to reduce substantial penalties that you may face; but this is no longer available.\nQ. Reporting of Foreign Bank and Financial Accounts (FBAR)?\nA. A U.S. person that has a financial interest in or signature authority over foreign financial accounts (FFA) must file an FBAR, IRS Form TD F 90-22.1 if the aggregate value of the FFAs exceeds $10,000 at any time during the calendar year. This form must be received by June 30th of the year immediately following the calendar year being reported. The June 30th filing date cannot be extended. The reporting is necessary even if the account produces no taxable income. A U.S. person includes U.S. citizens, U.S. residents; entities, including but not limited to, corporations, partnerships and limited liability companies; and trusts or estates.\nAccount holders who do not comply with the FBAR reporting requirements may be subject to civil penalties, criminal penalties, or both. Civil penalties for willfully failing to file an FBAR can be as high as the greater of $100,000 or 50% of the total balance of the foreign account per violation. Criminal charges can subject a taxpayer to a prison term and a significant monetary fine. Call our office to ensure that you comply fully with this mandate.\nQ. Have you reported Income generated from those foreign accounts?\nA. The US government requires you to report all income \"from whatever source derived.\" This included worldwide income. US persons need to be especially aware of their foreign accounts and the income generated therefrom. Taxpayers who are not in compliance can be assessed accuracy-related penalties or worse, fraud-related penalties.\nQ. The IRS 2011 Offshore Voluntary Disclosure Initiative (OVDI) - NOW EXPIRED\nA. The IRS is offering people with undisclosed income from offshore accounts an opportunity to participate in a new, voluntary disclosure initiative in order to get current on their tax returns. The 2011 Offshore Voluntary Disclosure Initiative (OVDI) will be available only through Aug. 31, 2011. Calendar years 2003 through 2010 in which a taxpayer has undisclosed foreign accounts are included in the 2011 OVDI disclosure period.\nTaxpayers with undisclosed foreign accounts or entities may want to consider applying for the voluntary disclosure. It is one way that U.S. persons can become compliant, avoid substantial civil penalties and generally eliminate the risk of criminal prosecution. It is important to note that taxpayers who do not submit a voluntary disclosure may still have other viable options available to them, or run the risk of detection by the IRS and the imposition of substantial penalties, including the fraud penalty and foreign information return penalties, and an increased risk of criminal prosecution.\nQ. Is there anything I can do considering that the OVDI option is now expired?\nA. Yes! There are several options available to become compliant and minimize your risk of civil penalties and criminal prosecution. There is still time to put yourself in a better position. You need to be proactive, and address the situation instead of remaining passive. It is to your benefit to contact a qualified professional who understands both the tax issues and the legal implications. Neeraj L. Shah is one of very few that is licensed as an attorney and a CPA, as well. Our office is in Rochester, NY, and we work with clients nationwide to solve their legal and tax issues! This procedure takes time; it is imperative that clients wishing to engage our firm act now. Call us today!\nQ. Can I do anything about undisclosed funds overseas?\nA. Neeraj L. Shah is a licensed CPA and attorney. He is one of few that understands both the tax laws and legal issues. You may want to consult our office to discuss the fall-out of this new regulation. Remember, in addition to properly reporting your funds to the government, it may be necessary to amend prior income tax returns, file gift tax returns, and comply with other requirements. Don’t miss a step, call our office today and schedule your appointment.\nWhere is Your Refund?\nDISCLAIMER: This website is advertising material. The choice of a lawyer is an important decision and should not be based solely upon advertisements. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. You are invited to contact the office by phone, letters or electronic mail. Contacting the office does not create an attorney-client relationship. Please do not send any confidential information to the office until an attorney-client relationship has been established in writing. Information on this website may include hypertext links or pointers to information ceated and maintained by other public and private organizations and persons. We provide these links and pointers solely for our users' information and convenience. These references are not intended to reflect the opinion of NLS Financial Solutions nor NLS Legal Solutions, or its owners and employees. Such references are not an official or personal endorsement of any product, person or service.\nKEYWORDS: Neeraj Shah, Neeraj L. Shah, Neeraj, CPA, C.P.A., MBA, M.B.A., J.D., Esq., attorney, tax, law, estate planning, financial, legal, Rochester, Gates, Penfield, solutions, tax preparation, tax prep, rochester tax preparation, rochester tax prep, gates tax, penfield tax, rochester tax, 14526, 14606", "domain": "finance"}
{"url": "http://katariainfotech.com/index_files/StoreAssistant.htm", "date": "2019-03-21T16:13:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202526.24/warc/CC-MAIN-20190321152638-20190321174638-00327.warc.gz", "language_score": 0.7636305689811707, "token_count": 417, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__104470254", "lang": "en", "text": "You Desire. We Accomplish.\n- Easy POS (Point Of Sale)\n- Billing & Inventory With Barcode Support\n- Incentive Management\n- Purchase Master, Profit/Loss Statement\n- Tax Management\n- Low Stock Alerts\nPrice: $ 99.99 INR: 4999.00\nStoreAssistant is easy to use Billing and Inventory management software specifically designed for the retail business to enhance its productivity and gains by lowering the expenses spent on managing the store.\nBilling & Inventory\nAvail complete billing and inventory management features.\nNetworking Support (Multiple Computers)\nMultiple computers can perform billing and inventory operations maintaining a single database.\nStaff wise, Day Wise, Month Wise and Product wise incentive management program. Fixed percentage or Flat amount incentive on the products specified.\nSpecial Incentives on the specific lots of products.\nThree types of taxes depending on the product category.\nFull tax details on the bills\nCategory wise, Product wise, Staff wise, Day Wise, Month Wise and Vendor wise sales management program.\nFixed size Computer generated barcode number printable on any laser printer.\nMore than one firms (upto 10) in one database.\nSingle Printer Support\nSingle printer for printing bills and barcode stickers.\nDetail reporting engine to easily create hardcopies.\nVariety management for each category to make different choices for items of same type.\nPassword protection for secure use.\nHidden product to exclude it from the normal view of the items and bills.\nItem wise, Category Wise and Vendor wise purchase management.\nLow stock alerts for the items specified to order in advance.\nProfit and Loss\nDay wise, Category wise and item wise profit and loss management.\nSystem Requirements : Microsoft .NET 4 Framework and SQLExpress 2008\n(Download available at www.microsoft.com)\nStoreAssistant for .NET 4\n( Fully functional trial version for 90 days )System Requirements : Microsoft .NET 4 Framework and SQLExpress 2008", "domain": "finance"}
{"url": "https://www.coralgablesdems.org/membership-renewal", "date": "2023-09-30T13:14:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510676.40/warc/CC-MAIN-20230930113949-20230930143949-00215.warc.gz", "language_score": 0.949344277381897, "token_count": 301, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__136292683", "lang": "en", "text": "Membership in the Coral Gables Democratic Club (CG Dems) is open to all registered Democrats. Membership dues provide the primary source of revenue needed for CG Dems to achieve our mission: to maximize Democratic voter turnout countywide!\nWe help increase voter turnout by providing educational and informational meetings featuring Democratic candidates and experts on important Democratic issues; sponsoring targeted precinct canvasses in collaboration with other Democratic groups; funding postcard projects; and engaging in voter registration, vote-by-mail sign up and other impactful Get Out the Vote activities. CG Dems also disseminates important information on other Democratic Club, Caucus and partner events and activities, as well as items of interest specific to the Coral Gables Democratic community. Becoming a member enables you to elect and/or become a member of the CG Dems Club board of directors. CG Dems members receive discounts on CG Dems merchandise and are guests at the Members Only Annual Meeting and Holiday Party in December.\nUntil September 15, 2023, dues are only $40 for the sixteen months from September 2023 to December 2024. This will go up to $50 on September 16th. Dues can be paid with a credit card by filling out the info below. Membership dues can also be paid for with cash or check sent to Treasurer Julie Samkoff at 4251 Salzedo Street, PH4, Coral Gables, FL 33134.\nIf you want to make a one-time or monthly donation, which is also needed, head here instead.", "domain": "finance"}
{"url": "https://www.getpinit.com/pricing/", "date": "2023-06-03T01:43:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224648911.0/warc/CC-MAIN-20230603000901-20230603030901-00724.warc.gz", "language_score": 0.8192281126976013, "token_count": 126, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__144993819", "lang": "en", "text": "PinIt is offered based on a per-user, annual subscription, with discount tiers based on the number of users. Prices exclude VAT.\n|Number of users||Monthly costs per user||Annual costs per user|\n|1 – 100||€5 / $5||€60/ $60|\n|101 – 250||€4 / $4||€48 / $48|\n|Enterprise / On-Premise||Contact us||Contact us|\nWith the free version of PinIt, you get access to all functionality for 5 users.\nTo purchase additional user subscriptions contact us.", "domain": "finance"}
{"url": "https://blog.avalanche.com.au/2019/08/how-to-pitch-like-a-pro/", "date": "2023-12-06T14:24:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00731.warc.gz", "language_score": 0.9407050609588623, "token_count": 639, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__153403853", "lang": "en", "text": "How to Pitch Like a Pro\nYou’ve done all the hard work of creating and founding your exciting new venture. But when it comes to sparking investor interest, are you struggling to capture their hearts and minds? Take a look at our top tips for pitching like a pro.\nBe a Storyteller\nHumans are natural storytelling beings. It allows us to convey information in a personal, attention-grabbing way that your audience will be sure to remember. Investors often hear many iterations of the same tired pitch formula, so standing out from the crowd takes a little creativity and forethought. Aim to tell the story of your startup – your initial idea, some challenges you’ve overcome… the sky’s the limit.\nMind the Time\nAs a rule of thumb, keep it short and punchy. If you’re promising only to take a certain amount of minutes, take a minute less. Distill your ideas into a concise set of points that you can cover fully in the time you’ve specified – don’t rush your ideas or labour the point and run out of time.\nIf you’re using slides, don’t get stuck on one for more than a couple of minutes; this will give your presentation a sense of movement that will keep your viewers engaged. Respect for investor’s time will show your ability to respect their potential funding. It’s a sign of reliability and will provide a solid first impression, which is one of the main goals of any pitch!\nGet to the Point\nIt might seem obvious, but be sure to cover the basics. What is your product or service? What makes it unique? Who is your target audience? How will you bring in customers? What is your revenue model?\nA flashy pitch that leaves investors scratching their heads about one of these core questions is a guaranteed flop. Back these up with data and paint a picture of your plan for your investors, which should include solid digital marketing tactics.\nPractice Makes Perfect\nBe sure to practice not only your pitch, but also aim to rehearse some convincing answers to the more obvious (and tougher) questions that potential investors might pose. When investors are taking the time to ask you more about your startup, it’s often a good sign – so you’ll want to make sure you don’t fumble the opportunity when it arises.\nMention an Exit Strategy\nIt’s harsh, it’s dry, but many pitches fail to answer an underlying question from potential investors – is this investment going to give me significant returns in a short amount of time? While it’s often seen as negative to even ponder an exit for your startup, investors are pragmatic people.\nPresenting them with your exit strategy – for example, an IPO, acquisition or licensing – will boost the attractiveness of investing in your company by reducing apparent risk. It’s also showing that their investment will net them potentially big returns; far more than just a cut of your (often very theoretical) future revenue stream. It’s a win-win.", "domain": "finance"}
{"url": "https://cdnroofdr.com/strata-interests-versus-unit-owner-interests/", "date": "2021-03-09T10:20:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178389798.91/warc/CC-MAIN-20210309092230-20210309122230-00161.warc.gz", "language_score": 0.9514447450637817, "token_count": 813, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__210563137", "lang": "en", "text": "by: The Great Canadian Roof Doctor November 13, 2017\nStrata Unit owners expecting to move in the next few years, often have no desire to see their roofs “Weatherproofed” (extending their lifespan by cleaning, and then sealing them). They don’t want to pay a related strata fee increase that would only benefit the other remaining Unit owners. They just want their roof to last until after they have moved.\nUntil recently, future strata financial obligations could be substantially hidden … and conflict on the use of funds (strata interests versus individual Unit owner interests) was common. For several years now, the BC Strata Property Act and Regulations have required a significant move to transparency through the introduction of the Act’s “Depreciation Report” for stratas. In this report, stratas spell out their expense expectations for the next 30 years for paving, windows, roofing, and other anticipated major common property costs, that normally occur less often than once per year.\nOf note is that potential Unit purchasers now have full access to this report through their real estate agents, and can see the strata’s expected future roof replacement costs (and timing). They will also see the projected value of the strata’s “Contingency Fund” (funded by the regular strata fees), which is the sole source of funding for these expenses. Because the fund cannot borrow, the 30 year projection of Cash Reserves can’t drop below zero. If you need a new roof, and the fund isn’t able to cover it, then the cash WILL come from the Unit owners as a “Special Levy” [SL] in the year required. This is not negotiable. The amount of that estimated future SL, is also shown in the Depreciation Report.\nIf your roof needs replacing 10 years from now, and the report shows a required SL of $5,000 (or whatever) per Unit, then you should expect your Unit’s market value for resale to drop by at least that amount. If buyers think of SL’s as poor management, or as a predictor of an increase in monthly fees to happen soon, then expect your value to drop even more. You don’t normally want a planned SL in the Depreciation Report.\nAlthough the Weatherproofing savings, and roof life extension, will remove the need for a roofing related SL, there could still be some concern that Weatherproofing will bring with it, a NEW additional cost! It’s a reasonable expectation; but …\nEven if the originally planned re-roofing had only been funded at half of its required rate (not uncommon in BC I’m told), the cost to Weatherproof will still be less than these currently allocated funds, and the cost can be paid from that re-roofing allocation. No new funds will be required! The roofing portion of the monthly strata fee can remain the same, and the roofing allotment that remains in the fund will continue to grow at its current rate. The reduced annualized roofing costs due to extending the life of the roof, will allow some of the roofing portion of the fee to be applied to other Contingency Report items that might be under-funded.\nWith one or more re-roofings now being skipped, lower ongoing roofing costs, the removal of at least one roofing related Special Levy, and no related strata fee increase required … Unit market values will now increase to above those of other stratas that are otherwise equivalent. Unit owners leaving soon will get treated fairly (and get a benefit too), and Unit owners that remain, will continue to benefit each year … on into the future.\nBob Cassady, P.Eng.\nDistrict Sales Manager\n778.992.1922 – direct Comox Valley line\n1.888.677.6310 – toll free", "domain": "finance"}
{"url": "http://j-uno-associates.com/were-moving-expanding/", "date": "2015-11-26T14:06:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-48/segments/1448398447729.93/warc/CC-MAIN-20151124205407-00256-ip-10-71-132-137.ec2.internal.warc.gz", "language_score": 0.9016340970993042, "token_count": 161, "dump": "CC-MAIN-2015-48", "global_id": "webtext-fineweb__CC-MAIN-2015-48__0__157651103", "lang": "en", "text": "We’re Moving and Expanding!\nJ. Uno & Associates is pleased to announce that as part of our recent growth in cost estimating services, as well as the addition of construction management services, we will be moving to new offices effective May 22, 2012. Please note that our office will be closed during our relocation period from May 18-21.\nOur new address will be as follows (please also note my new email address):\nWe are excited to be expanding our staff of both cost estimators and construction managers, and we invite you to come and visit our new space the next time you’re in the area. Thank you for your continued support, and we look forward to working on many more successful projects together.\nJoseph Uno, LEED AP BD+C", "domain": "finance"}
{"url": "https://www.bm.ru/en/about-bank/reorganization/", "date": "2017-11-25T03:44:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934809392.94/warc/CC-MAIN-20171125032456-20171125052456-00396.warc.gz", "language_score": 0.9442745447158813, "token_count": 247, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__122691039", "lang": "en", "text": "Please note that as of May 10, 2016 the Bank of Moscow will be reorganised following the merger with VTB Bank.\nWe have ensured that the best of services offered by the Bank of Moscow will remain available to you after the merger. VTB Bank will honour all obligations previously entered into by the Bank of Moscow, and will provide you with the highest level of customer service.\nFor your convenience, bank account numbers opened with the Bank of Moscow will not change after the merger. All products and services previously provided by the bank will continue to operate on the same terms and conditions. There is no need to renew your existing agreements with the bank.\nThe names of VTB branches that replace former Bank of Moscow offices, current account numbers and Bank Identifier Codes can be found here. Our departments will continue to operate at the same locations and in the usual mode, just under the VTB Bank of Moscow brand.\nThroughout the reorganisation period, our 24/7 customer support centres will be happy to provide you with any assistance you might require.\nFor more information, please call +7 (495) 925-80-00 (for Moscow)\nWe are looking forward to welcoming you at your local branch!", "domain": "finance"}
{"url": "https://www.sydneystampcoinexpo2019.org.au/volunteers", "date": "2019-11-12T00:43:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496664469.42/warc/CC-MAIN-20191112001515-20191112025515-00557.warc.gz", "language_score": 0.9016653895378113, "token_count": 709, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__144326899", "lang": "en", "text": "To make this show an unqualified success, we will be requiring the assistance of many volunteers on all days from Tuesday 11th June until Sunday 16th June 2019. We are now calling for a commitment from the Philatelic community in the form of volunteers.\nClick here to download a Form to offer your services as a Volunteer.\nAll of our volunteers up to and including 85 years of age are covered by death and accident insurance through the Australian Philatelic Federation’s Voluntary Workers’ Cover, the main features of which are shown below. To ensure that you are covered by this policy it is most important that you sign in upon arrival and sign out on departure.\nTherefore, if you are accepted as a volunteer for the exhibition, it is essential to ensure that on each day of attendance at the exhibition venue, you sign the attendance register upon your arrival, showing the date plus time of arrival. Don’t forget to similarly sign out when leaving for the day, showing the time of departure. This register will be available at the Organising Committee table.\nAn Australia-wide policy covering all voluntary workers of the APF, affiliated State & Territory Councils and their affiliated Clubs & Societies was renewed on 27th March 2019. At this stage, the annual premium is being centrally funded by the APF. All State councils have a copy of this policy.\nSome details of this new policy are –\n* Scope of Cover - Whilst engaged in voluntary work authorised by and under the control of the Insured including direct uninterrupted travel to and from such voluntary work.\n* Age Limit - 12 to 85 years.\n* Waiting period (deferral) - 7 days.\n* Death and Capital Benefits $ 50,000\n* Maximum payable for Insured Persons aged under 19 $ 10,000\n* Maximum payable for Insured Persons aged 81 to 85 $ 10,000\nWeekly Accident Benefit -\n* 85% of earnings up to $ 500\n* Domestic Help Benefit $ 500, 85% Expense Limitation, 26 Weeks Benefit Period\n* Non Medicare Medical Expenses $ 1,000, Expense Limitation 85%, $50 basic excess\n* Broken / Fractured Bones Benefits $ 2,000\n* Accidental HIV Infection Lump Sum Benefit $ 10,000\n* Childcare Benefit $ 5,000\n* Coma Benefit $ 3,000\n* Daily Benefit $ 100, 30 Days Benefit Period\n* Driver Services Benefit $ 1,000\n* Family Accommodation and Transport Expenses Benefit $ 2,000\n* Financial Advice Benefit $ 2,500\n* Home and Vehicle Modification Benefit $ 5,000, 85% Expense Limitation\n* Injury Assistance Expenses Benefit $ 500\n* Partner Employment Training Benefit $ 5,000\n* Retraining and Rehabilitation Expenses Benefit $ 5,000\n* Student Tutorial Benefit $ 500, 85% Expense Limitation, 26 Weeks Benefit Period\n* Unexpired Membership Benefit $ 500\n* Minimum Age Limit (sub-limits may apply) 12\nBENEFIT PERIOD, FOR INCOME EARNERS ONLY:\nBenefit Period 104 Weeks\n60 - 64 years 52 Weeks\n65 - 70 years 26 Weeks\n70 - 74 years 6 Weeks\n75 - 79 years Nil\nThe above policy is valid until 20th March 2020. If required, a full copy of this cover can be obtained from PHILAS or the Public Relations Officer.", "domain": "finance"}
{"url": "http://www.thefranchis3.com/blog-1/2014/6/29/e0d3zs93r5gi30fuuqfo44cr2c8m35", "date": "2019-08-24T17:48:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027321351.87/warc/CC-MAIN-20190824172818-20190824194818-00074.warc.gz", "language_score": 0.9660512208938599, "token_count": 1143, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__217241585", "lang": "en", "text": "by Spencer Suk\nIt is pretty far-fetched to talk about LeBron James suiting up in a Clippers uniform next year. The Clippers already have around $70 million committed to their roster for the 2014-15 season. Furthermore, word around the league is that Blake Griffin is “untouchable,” meaning the Clippers will have to find a way to unload DeAndre Jordan’s contract along with some combination of JJ Redick, Jamal Crawford, Jared Dudley, and Matt Barnes in order to offer James the type of money he will command in free agency. While Jordan has blossomed into one of the more desirable centers in the league, none of those other players will be easy to trade (except for Dudley… who is downright untradeable at this point).\nBut what if LeBron James was willing to sign for the veteran’s minimum of $1,448,490? I know what you’re thinking: “It’s rumored that LeBron wants the max. So why in the world would he sign the veteran’s minimum?”\nThe simple answer: endorsements.\nTo get a better idea of how James makes his money, we will compare his salary to that of Los Angeles Lakers star Kobe Bryant; endorsement estimates were found on Forbes. The following graph shows James and Bryant’s NBA salaries since LeBron entered the league.\nBryant clearly amassed more money in this time frame, as he was already on a veteran’s maximum contract while James was only beginning his rookie deal; Bryant piled up $233,481,822 from 2004-14 while James earned $129,155,913. But now let’s take a look at the endorsement money.\nJames is a marketing machine, earning more endorsement money than Kobe every year since he entered the league. In total, James has accumulated $326,386,893 in endorsement money since 2004, while Bryant has made $255,600,000. Overall, Bryant and James have earned $489,998,082 and $455,542,806 respectively in this time span.\nWhile James’ endorsement money has exploded (especially in the last couple of years), the world’s best basketball player could possibly make even more per year by signing a veteran’s minimum with the Clippers for three reasons:\nI. TV Market Size\nIt is a common misconception that Miami is a big TV market. According to Nielsen Television Market Estimates, Miami isn't much bigger than Cleveland (it is about 1.12X bigger than Cleveland).\nLeBron James’ market value appeared to level off in Cleveland, as his endorsement salary started to stagnate from 2008-2010, only growing from $28,000,000 to $30,000,000 after doubling his endorsement salary from 2004-2008. Interestingly enough, James’ endorsement money only increased to $33,000,000 through his first two seasons in Miami. In other words, his endorsement salary in Miami was 1.1x what it was in Cleveland after two years (we will get to his last two years in Miami in the next section). But this makes sense, considering Miami is about 1.12x as big as Cleveland.\nNow consider the fact that Los Angeles is 3.4x as big as Miami in market size. While it is unrealistic to expect LeBron James’ endorsements to more than triple with the levels they are at, James would only need his endorsement salary (of $53,000,000) to increase by 1.38x to cancel out the financial losses of not signing a maximum contract.\nII. Impact of Winning Championships\nIn the past two seasons, LeBron James’ endorsement salary has grown from $33,000,000 to $53,000,000 annually. While some of this could be attributed to his relocation from Cleveland to Miami, it seems that the majority of the growth comes from his two championships. In 2013 (the year after James’ first ship), LeBron earned $42,000,000 in endorsements; in 2014 (the year after his second ship), his endorsement salary rose by yet another $11,000,000.\nJames hasn’t experienced this kind of a year-over-year endorsement revenue growth since 2005-2006 (when his endorsement salary only rose $5,398,560). This recent growth suggests a very high correlation between endorsement revenue and winning it all.\nIII. Roster Fit\nThe Clippers are currently the best basketball team in Staples Center. Their core of Chris Paul, Blake Griffin, and DeAndre Jordan, can rival almost any other team in terms of talent. However, one of their biggest weaknesses is a lack of a strong wing presence at the shooting guard and small forward positions.\nThe Clippers’ leading win sharer on the wing was Jamal Crawford with 5.3 win shares. While this isn’t admirable, it isn’t nearly good enough to win a championship. For championship teams since 2000-01, the average win share for the best wing on the team is 11.06. In fact, only one team has won the championship with their leading wing producing less than Crawford’s 5.3 wins:\nSo how does LeBron James fit into this puzzle for the Clippers? He is arguably the greatest small forward to ever play the game and contributed 15.9 win shares last season, which was the second highest in the league.\nWhile it seems ridiculous for LeBron James to sign for the veteran’s minimum, it could be worth it for the King to rule LA.", "domain": "finance"}
{"url": "http://www.healing-companions.com/program/donations/", "date": "2013-05-23T18:30:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368703682988/warc/CC-MAIN-20130516112802-00059-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.887245237827301, "token_count": 489, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__135623800", "lang": "en", "text": "Make a Donation\nIf you’d like to support the mission of Healing Companions, Inc., please send a check or money order to:\nHealing Companions, Inc.\nATTN: Jane Miller, LISW, IAABC-CDBC & AABP-CDBC\n7 North Main Street Suite 121\nOberlin, OHIO 44074\nHealing Companions, Inc. is a tax exempt organization pursuant to 501(c)(3) of the Internal Revenue Code allowing for tax deductible donations. Approval was made by the IRS on February 6, 2013.\nThe Umaya Fund\nHealing Companions is dedicated to Umaya. She was the catalyst and inspiration in discovering my life’s work and passion. This book is a tribute to Umaya and all the dogs that have changed our lives with unconditional love and commitment. Thanks Umaya, for leading the way.\nA portion of the proceeds from Healing Companions will be donated to the “Umaya Fund,” which was established to help cover the costs of health care for assistance dogs for those without financial resources at Lakewood Animal Hospital in Lakewood, Ohio. Donations to the Umaya fund may be sent to:\nLakewood Animal Hospital\nATTN: The Umaya Fund\n14587 Madison Ave.\nLakewood, Ohio 44107\n- Healing Companions “Mariel Hemingway Fundraiser”\n- Story by Art Thomas/Photographs by Robert Muller\n- Oberlin company makes a difference with Healing Companions\n- Article by Jon Behm in The Morning Journal, 31 March 2013\n- Mariel Hemingway Keynote Speaker for Healing Companions, Inc. Fundraiser\n- We are honored to announce that Hemingway will be the keynote speaker at a fundraiser for Healing Companions, Inc. on April 8, 2013 at 5:00 pm at the Riverview Room, Ritz Carlton,Tower City, Cleveland, Ohio.\n- Jane to speak at Mental Health America 2013 Annual Conference\n08 Jun 2013 10:15 AM\nFor the Media\nFor media inquiries and other publicity matters, please contact Warwick Associates.\nJane Miller, LISW, IAABC-CDBC & AABP- CDBC\nFollow Jane on Twitter at @janemillerdogs.", "domain": "finance"}
{"url": "https://www.mykardz.com/home/card?id=5698f5d5-a927-4c84-a734-287755bd024d", "date": "2018-07-17T22:38:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589932.22/warc/CC-MAIN-20180717222930-20180718002930-00119.warc.gz", "language_score": 0.9050737023353577, "token_count": 104, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__3175946", "lang": "en", "text": "Accenture, Microsoft Team Up on Blockchain-Based Digital ID Network\nBlockchain, first developed as a public ledger of all transactions in the digital currency bitcoin, is increasingly being used to securely track data in other fields.\n\"Without an identity you can't access education, financial services, healthcare, you name it. You are disenfranchised and marginalized from society,\" David Treat, a managing director in Accenture's financial services practice, said in an interview.\n\"Having a digital identity is a basic human right.\"", "domain": "finance"}
{"url": "https://daisybaicounselling.ca/insurance-other-coverages/", "date": "2023-06-03T18:58:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649302.35/warc/CC-MAIN-20230603165228-20230603195228-00250.warc.gz", "language_score": 0.931690514087677, "token_count": 586, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__241619805", "lang": "en", "text": "GENERGAL INSURANCE COVERAGE\nAlthough not covered under Medical Services Plan of BC, many insurance companies offer substantial reimbursement for counselling services with BCACC Registered Clinical Counsellors (RCC). Please look into your extended health benefits through your school, workplace, or other agencies. A receipt will be provided after each payment for your insurance reimbursement. With the exceptions on ICBC claimant and Victim Service clients, you are solely responsible to seek reimbursement from your insurer unless a third party has taken responsibility for payment. Counselling fees are also income tax deductible as medical expenses. Ask CRA or your tax preparation expert for details and conditions.\nWHAT TO DO IF COUNSELLING IS NOT COVERED?\nIf you find that RCC service is not listed under your healthcare benefit, I strongly encourage you to discuss this with your Human Resource Department or third party insurance company. This adjustment is not difficult to do and would only benefit both you and them. Please contact me for more tips on how to get yourself covered and a sample insurance policy adjustment letter.\nYou may be eligible for pre-approved funding for psychological counselling if you have been in a motor accident and have an open claim with ICBC. Under the Part VII ICBC Policy, ICBC is required by law (The Regulations To The Insurance Vehicle Act) to pay all reasonable expenses the insured incurred as a result of the injury for necessary medical and recovery services. In order to claim clinical counselling benefits, you must obtain a note from your family physician or rehab team recommending counselling treatment and provide this note to your ICBC adjuster. You will also need to provide me with your ICBC claim number and adjuster’s contact information. Feel free to contact me to find out more about this option.\nICBC Contact Info: email@example.com\nLower Mainland: 604-520-8222 Rest of BC, Canada, and US: 1-800-910-4222\nDIRECTION-TO-PAY OPTION FOR CLIENT OF LAWYER\nThis option allows lawyer clients to get the necessary rehabilitation service that they need after a motor accident. I accept direction-to-pay clients for cases that have a minimum of 2 years in standing already. An annual interest of 16% for service fee is applicable. Upon consulting with your lawyer about this option, you would need to provide the following to me: 1) ICBC claim number; 2) Referral from physician; 3) Signed direction-to-pay form.\nCRIME VICTIM ASSISTANCE PROGRAM\nIf you are a victim of crime, a family member of the victim, or a witness, you may apply to the BC Crime Victim Assistance Program for counselling service coverage.\nToll free in B.C. 24/7 confidential and multilingual line VictimLink BC: 1-800-563-0808", "domain": "finance"}
{"url": "https://www.bankconferences.com/bankingchoiceawards/", "date": "2019-02-22T10:47:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247515149.92/warc/CC-MAIN-20190222094419-20190222120419-00154.warc.gz", "language_score": 0.9458744525909424, "token_count": 186, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__203398071", "lang": "en", "text": "The Banking Choice Awards celebrate the financial institutions that regularly go above and beyond to serve their customers. There are countless ways to gauge outstanding performance, but who better to ask than the customers themselves?\nThe Banking Choice Awards recognize banks and credit unions that receive high marks from their customers and members in four categories: Customer Service, Technology, Contribution to the Community, and Overall Quality. More than 30,000 individuals were surveyed, yielding more than 2.5 million data points. For more information on how results were determined, visit the About section.\nBanking Choice Awards – in three separate events – will honor the top three institutions in each category from multiple regions of Massachusetts and Connecticut. Click the links below for a complete list of finalists and more details on each event, including information on purchasing tickets and sponsorship opportunities.\nYour customers can choose to bank wherever they want. Find out who does it best at The Banking Choice Awards.", "domain": "finance"}
{"url": "https://www.flafamilylawyers.com/types-of-alimony-in-florida/", "date": "2021-06-13T14:15:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487608856.6/warc/CC-MAIN-20210613131257-20210613161257-00315.warc.gz", "language_score": 0.9511120319366455, "token_count": 1287, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__110279181", "lang": "en", "text": "Types of Alimony\nWhen married couples divorce, alimony (or support payments to the spouse) are mandated by family and divorce courts. At the Law Office of Silverman, Mack & Associates, our experienced divorce lawyers can help you understand everything there is to know about alimony in Florida, the varying types and eligibility requirements.\nAlimony Attorneys: Types of Florida Alimony\nAlimony is a form of regular payments to a former spouse that is mandated by divorce courts to help spouses transition into society as a newly single person. Courts usually require the spouse with the higher income/assets to make alimony payments to the spouse who makes the lesser amount to assist with the transitioning after-effects of divorce. However, many factors are taken into account when determining alimony. For example, divorce courts may consider:\n- The income and expenditures of both members before and during the marriage\n- All sources of income\n- The ability of the spouse to pay\n- Contributions of both spouses to the marriage, including children and general support of businesses and educational expenses\n- The duration of the marriage\n- The vocational skills and talents of each spouse\n- The ability of each spouse to return to the workforce and be successful\nIn essence, divorce courts mandate alimony to assist with supporting a spouse after a divorce. If, for example, a spouse is unable to maintain the quality of life that he/she had before the divorce, then alimony may be required. To understand more about alimony and/or spousal support, you should contact an experienced divorce attorney.\nThere are many different types of alimony/spousal support in the state of Florida. The type of alimony that is mandated by the court is usually dependent on the circumstances of the marriage, the terms of the divorce and the factors listed above.\nModifiable vs. Non-Modifiable Alimony\nFamily and divorce courts have the authority to assign alimony that is either modifiable or nonmodifiable. When alimony is modifiable, it can be adjusted and updated throughout the years, depending on the receiving spouse’s needs and the paying spouse’s change of income. Courts must approve changes in alimony payments. Meanwhile, mandated alimony that is nonmodifiable refer to payments that cannot be adapted. In other words, the amount of funds disbursed and the time span for such disbursement is considered binding and permanent. Nothing can be done to alter the contract. Thus, it is best to have a divorce lawyer in Gainesville, FL, to help you understand your rights as a paying and/or receiving spouse, as well as the terms and agreements that are required of both spouses upon entering alimony arrangements.\nBridge-the-Gap alimony is a type of spousal payment that is made temporarily to help a spouse get back on his/her feet. Lasting usually no more than two years, Bridge-the-Gap alimony helps spouses to do just that: bridge the gap. For example, spouses who are selling their house may receive money to cover the cost of renting fees. Or, if spouses are receiving training and/or rehabilitation services to return to the workforce, alimony can be mandated to assist with the spouse’s basic needs and expenses. Once the spouse demonstrates ability to provide for himself/herself, the payments typically cease.\n- This type of alimony cannot be modified.\nDurational alimony is directly correlated to the duration of the marriage before spouses enter a divorce. Usually, durational alimony is mandated to spouses who may not qualify for other forms of alimony. Durational alimony is assigned for the exact amount of years of the marriage. Therefore, if a marriage continued for five years, a spouse may be ineligible to receive alimony payments for more than 5 years.\nPermanent alimony refers to alimony that is made to a spouse for the full duration of his/her life. Permanent alimony is typically mandated to spouses who have young children, are unable to enter the workforce and/or experienced cruel and unusual circumstances during the scope of the marriage.\nRehabilitative alimony is strictly for spouses who are receiving training and/or other educational purposes. In order to be eligible for rehabilitative alimony, spouses must submit detailed accounts of how the money will be spent and the time needed for the training.\nTemporary alimony is a form of alimony that requires the least amount of time. Known as “pendente lite,” temporary alimony provides financial support to the spouse while the divorce is pending. Once the terms and conditions of the divorce is finalized, such payments cease.\nModification of Alimony\nAs is in the case with all legal contracts, the stipulations of modifying alimony should be outlined in the agreement. The document should indicate how alimony will be adjusted, including the time and the amount of funds disbursed. Typically, modification of alimony requires a substantial change in financial circumstances of either spouse. A change in alimony may also be granted of a spouse who is on rehabilitative alimony fails to adhere to the policies.\nTermination of Alimony\nSignificant changes in income (and/or expenses), death, failure to comply with divorce and/or rehabilitative terms, and/or new marriages may have an effect on alimony. Such factors can influence a court to terminate the alimony.\nFor more information on the types of alimony in the state of Florida, you should contact an experienced family law attorney.\nDivorce Lawyers in Gainesville, FL\nDivorce lawyers are extremely beneficial during divorces. Not only can they help spouses understand large percentages and complex legalise, but they can provide general support and guidance on the divorce process. Many times, alimony is not granted to spouses because there may not be sufficient evidence that suggests that such form of spousal support is needed. Other times, spouses may be unfairly mandated to pay a significant amount of money to their former spouse. Whether you are the paying or the receiving spouse, experienced divorce lawyers at the Law Office of Silverman, Mack & Associates\ncan help you understand alimony. Our family law firm strives to do what’s best for every Florida family.\nContact us today for a free initial consultation.", "domain": "finance"}
{"url": "http://www.gilbertfleming.com/nursinghomecare.html", "date": "2017-07-24T02:28:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549424683.39/warc/CC-MAIN-20170724022304-20170724042304-00254.warc.gz", "language_score": 0.9760841727256775, "token_count": 1576, "dump": "CC-MAIN-2017-30", "global_id": "webtext-fineweb__CC-MAIN-2017-30__0__66903974", "lang": "en", "text": "SB 483 has been signed into law, and will help protect our elders. Why is the Dept of Health taking so long to implement this new law?\nSenate Bill 483 is California’s attempt to end abuses regarding qualifying for Medi-Cal Nursing Home benefits. There was concern that there were “millionaires on Medi-Cal”: Millionaires were taking advantage of liberal Medi-Cal qualification rules, disposing of all their assets, becoming “indigent” overnight, and then qualifying for Medi-Cal Nursing Home benefits. Therefore, the taxpayers were paying for the nursing home care of these millionaires.\nIn one of these aggressive techniques for becoming “indigent” overnight, an elder takes all of their assets over $2,000 and buys a “balloon annuity”. Then, they can apply for Medi-Cal Nursing Home benefits the next day. California is striving to close this loop hole under SB483. This bill was signed into law by Governor Schwarzenegger on September 27, 2008. But it is not yet implemented. The Department of Health has issued draft regulations, but has not issued final regulations to implement the new law (and ban these balloon annuities).\nHow does a balloon annuity work? Here is an example: An adult daughter said that a life insurance had “saved” $120,000. Her mom, Mrs. Smith, was living in a nursing home. The Medi-Cal office said she could not qualify for benefits until she “spent down” her $120,000 to less than $2,000. Only then would the State of California pay for her nursing home bill, which was $6,500 per month. The Life Insurance Agent “saved” the $120,000 by putting it in a balloon annuity. Mrs. Smith qualified for Medi-Cal Nursing Home benefits the very next day.\nA “balloon annuity” is much different than the type of annuity we are all used to: An injured child receives an annuity which pays $XXXX thousand dollars per month to cover his medical care and living expenses. The balloon annuity, however, pays a very tiny sum per month, with one huge payment coming on the last month of the annuity period. Mrs. Smith’s annuity paid on $48 per month for 95 months. This is because 96 months is Mrs. Smith’s actuarial life expectancy based upon the life expectancy tables compiled by the Social Security Administration. For an annuity to qualify under Medi-Cal rules, it must pay out over the actuarial life expectancy of the elder (not the actual life expectancy). The $48 per month had to be paid to the nursing home as partial reimbursement for Mrs. Smith’s care. But on month 96, the $120,000 will be paid back in one lump “balloon”. But paid back to whom? In my opinion this technique is a “crap shoot” that the elder (who is ill and living in a nursing home) will pass away before the 96 months has elapsed. So the heirs put this $120,000 in their pocket.\nThis is one loophole that SB 483 is trying to close. So that if an elder buys an annuity, it must pay out in substantially equal payments over the actuarial life expectancy of the elder: $1250 per month (plus interest) instead of $48 per month.\nIn my opinion, these balloon annuities are not good for our elders. Since they are irrevocable, unassignable and nontransferable, the money is essentially unavailable for the elder’s use until the time comes for the balloon payment to be made. Mrs. Smith’s adult daughter told me that she really wanted to go see her mother, who was living in a nursing home in Kingsburg. But she did not have a car. She asked if she could borrow some money from the $120,000 annuity to buy a “sturdy used car” so she could go visit her mother (who lives an hour away). The answer is that this money was not available for anyone’s until the 96 months has elapsed. And the real tragedy was that Mrs. Smith was entitled, under Medi-Cal rules, to own one car. The life insurance agent could have advised Mrs. Smith to buy a sturdy used car for her daughter’s use. But a $10,000 used car would cost the life insurance agent $800.\nYes, you heard that correctly. There is an 8% commission on these balloon annuities. The life insurance agent made a commission of $9,600 on Mrs. Smith’s balloon annuity. But, in my opinion, these annuities are downright unsuitable when one is sold to a family who has no intention at all of applying for Medi-Cal nursing home benefits.\nAn adult daughter, Ms. Jones, contacted me and said she was being pressured to take $100,000 in cashier’s checks out of her “papa’s” CD’s and to buy a balloon annuity. The life insurance agent told her that this was the only way her father could be awarded Veterans Administration benefits for her 86 year old papa.\nThis man had served in World War II. He had dementia and was living with his daughter. She was retired and she was now his full time caregiver. She heard that she could receive $1644 per month, from the VA, to help care for her father in her own home. This was true enough. But she had point blank told the life insurance agent that she would never put her papa in a nursing home. But the life insurance agent was pressuring her to put $100,000 in a balloon annuity which would have tied up all of papa’s money for over five years. I was able to help the family receive an award of $1644 per month from the VA to help pay for his care at home. This $1644, plus his Social Security, helps a great deal\nStill, Ms. Jones would like to take a break now and then. She likes to take a weekend and visit her son and grandkids in the Bay Area.\nThere are assisted living facilities which provide temporary care for loved one’s when the caregiver needs a break. This is called respite care. Ms. Jones feels her father is well taken care of when she checks him into respite care. But this would not be possible had she locked up all of papa’s money in a balloon annuity.\nI helped the family set up a Veterans Administration Qualification Trust. So papa’s money is available for his use. It is an acceptable use of his money to pay for three days of respite care so his fulltime, 24/7, caregiver can get a short break…\nIn summary, I believe that these balloon annuities are not good for our elders. Evidently, Governor Schwarzenegger and the Legislature agree. Please write Governor Brown, your Assemblyman and your State Senator. Encourage them to encourage the Department of Health to put final regulations into effect and to implement SB483 into law.\nAdditional info: If you would like more information about your specific needs, please fill out the form and mail back to Gilbert Fleming. Questionnaire Rev. 8-10-12\nWe want to hear from you!\n755 N. Peach Ave., Office H-4\nClovis, CA 93611", "domain": "finance"}
{"url": "https://viottalaw.com/en/expertise/restructuring-insolvency/composition-agreement/", "date": "2024-04-17T02:55:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817128.7/warc/CC-MAIN-20240417013540-20240417043540-00040.warc.gz", "language_score": 0.9615877866744995, "token_count": 609, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__23626474", "lang": "en", "text": "What does a composition agreement entail?\nFor companies in financial distress, the use of a composition agreement can offer a solution. The aim is to offer creditor(s) an agreement to pay a percentage of the claim in exchange for final discharge.\nAlthough in principle this appears to be disadvantageous for the creditor(s), avoiding bankruptcy means that a higher percentage of the claim can ultimately be repaid.\nIt is then up to the debtor to persuade the creditor to agree to the agreement by making him an attractive offer. Given that the contents of the composition agreement are not predetermined, shares can also be offered to settle the claim.\nCost savings by foregoing a collection procedure or making a payment arrangement are reasons why the creditor would accept the agreement. Doing so can prevent a possible bankruptcy.\nThe in-court bankruptcy agreement\nIf this agreement is reached without the intervention of the court, it is called an extrajudicial agreement. If, however, the agreement is offered when there is a:\nsuspension of payments;\na statutory debt restructuring scheme or;\nthen it is called a judicial agreement.\nIf half of the creditors, who together represent half of the outstanding debts, agree to the composition at the creditors’ meeting, the composition becomes binding for all creditors after ratification by the court.\nThis ratification by the judge is called homologation. For more information, read ‘the bankruptcy agreement‘.\nExtrajudicial composition agreement\nThe creditors are not obliged to accept the offer in the case of the extrajudicial agreement of creditors. They retain the right to demand the claim in full.\nThis may result in creditors who do not accept the offer gaining an advantage over creditors who do accept the offer.\nIt is therefore necessary to present the offer in a manner that is most beneficial to each of the parties. It is also very important for the creditor to have enough information to assess the agreement thoroughly.\nRelevant questions for this are:\nWhat are the debts?\nWhat are the debtor’s financial prospects?\nCan the debtor itself fulfil the obligations laid down in the agreement?\nOr is a third party financing the debts?\nIn short, a composition agreement that contains the right information can save the company from bankruptcy.\nThe tax authorities are also often willing to cooperate with the composition agreement. Given that they are preferential creditors, they do say that they want to see double the percentage of the claim reimbursed, compared to the unsecured creditors. This is also included in the guidelines that are part of the collection guideline.\nNeed an insolvency lawyer? Bring in VIOTTA\nSince the content of the agreement is free of form, it is wise to hire a lawyer before concluding the agreement. If you or your company has to deal with bankruptcy or an agreement, we are happy to help. Our lawyers have gained a lot of experience by working on the largest bankruptcies in the Netherlands.\nDo you want to get in contact with VIOTTA?", "domain": "finance"}
{"url": "https://c21united.com/vocabulary", "date": "2024-04-23T11:26:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818474.95/warc/CC-MAIN-20240423095619-20240423125619-00613.warc.gz", "language_score": 0.9411365985870361, "token_count": 763, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__141274846", "lang": "en", "text": "4B/2B -- four bedrooms and two bathrooms. \"Bedroom\" usually means a sleeping area with a window and a closet, but the definition varies in different places. A \"full bathroom\" is a room with a toilet, a sink and a bathtub. A \"three-quarter bathroom\" has a toilet, a sink and a shower. A \"half bathroom\" or powder room has only a toilet and a sink\nassum. fin. -- assumable financing\nclosing costs -- the entire package of miscellaneous expenses paid by the buyer and the seller when the real estate deal closes. These costs include the brokerage commission, mortgage-related fees, escrow or attorney's settlement charges, transfer taxes, recording fees, title insurance and so on. Closing costs are generally paid through escrow.\nCMA -- comparative market analysis or competitive market analysis. A CMA is a report that shows prices of homes that are comparable to a subject home and that were recently sold, are currently on the market or were on the market, but not sold within the listing period.\ncontingency -- a provision of an agreement that keeps the agreement from being fully legally binding until a certain condition is met. One example is a buyer's contractual right to obtain a professional home inspection before purchasing the home.\nexpansion pot'l -- expansion potential mean that there's extra space on the lot or the possibility of adding a room or even an upper level, subject to local zoning restrictions.\nfixture -- anything of value that is permanently attached to or a part of real property. (Real estate is legally called \"real property,\" while movables are called \"personal property.\") Examples of fixtures include installed wall-to-wall carpeting, light fixtures, window coverings, landscaping and so on. Fixtures are a frequent subject of buyer and seller disputes. When in doubt, get it in writing.\nfrplc, fplc, FP -- fireplace\nhi ceils -- high ceilings\nin-law potential -- potential for a separate apartment, subject to local zoning restrictions\nlarge E-2 plan -- this is one of several floorplans available in a specific building\nlisting -- an agreement between a real estate broker and a home owner that allows the broker to market and arrange for the sale of the owner's home. The word \"listing\" is also used to refer to the for-sale home itself. A home being sold by the owner without a real estate agent isn't a \"listing.\"\nlo dues -- low homeowner's association dues. But find out how \"low\" the dues are compared to other dues in the area.\nlock box -- locked key-holding device affixed to a for-sale home so real estate professionals can gain entry into the home after obtaining permission from the listing agent\nlsd pkg. -- leased parking area. May come with additional cost.\nMLS -- Multiple Listing Service. An MLS is an organization that collects, compiles and distributes information about homes listed for sale by its members, who are real estate brokers. Membership isn't open to the general public, although selected MLS data may be sold to real estate listings Web sites. MLSs are local or regional. There is no MLS covering the whole country.\npwdr rm -- half bathroom or powder room\nREALTOR® -- a real estate broker or sales associate who is a member of the National Association of REALTORS®. Not all real estate agents are REALTORS®.\ntitle insurance -- an insurance policy that protects a lender's or owner's interest in real property from assorted types of unexpected or fraudulent claims of ownership. It's customary for the buyer to pay for the lender's title insurance policy.", "domain": "finance"}
{"url": "https://www.financemonk.com/blog/what-is-estate-planning-and-how-is-it-done/", "date": "2023-09-25T20:50:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510085.26/warc/CC-MAIN-20230925183615-20230925213615-00195.warc.gz", "language_score": 0.9524644017219543, "token_count": 627, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__139526979", "lang": "en", "text": "Estate planning is the process of creating a plan for managing and distributing your assets during your lifetime and after your death. Estate planning involves considering various factors such as tax implications, personal values, family dynamics and financial goals, in order to create a comprehensive plan that aligns with your unique needs and goals.\nEstate planning can be done in the following steps:\n- Asset Inventory: This involves creating a comprehensive list of all of your assets, including real estate, personal property, financial accounts, life insurance policies and any other assets that you own.\n- Estate Evaluation: This involves determining the value of your assets and calculating the amount of taxes and other costs that may be incurred during estate administration.\n- Goals and Objectives: This involves determining your personal and financial goals and objectives, and deciding what you would like to happen to your assets after your death.\n- Choosing Estate Planning Tools: This involves selecting the estate planning tools that are best suited to your needs and goals. Estate planning tools include wills, trusts, powers of attorney and health care directives.\n- Creating a Will: A will is a legal document that outlines your wishes regarding the distribution of your assets after your death. It also specifies who you would like to act as your executor and make decisions regarding your estate.\n- Trusts: Trusts can be used to manage and distribute assets, reduce taxes and protect assets from creditors. There are several different types of trusts, including revocable trusts, irrevocable trusts, living trusts and charitable trusts.\n- Powers of Attorney: Powers of attorney are legal documents that grant someone the authority to make decisions and act on your behalf in case you become incapacitated. There are two types of powers of attorney: durable powers of attorney and springing powers of attorney.\n- Health Care Directives: Health care directives, such as living wills and health care powers of attorney, allow you to specify your wishes regarding medical treatment if you become incapacitated.\n- Estate Tax Planning: Estate tax planning involves considering the impact of taxes on your estate and making any necessary changes to your estate plan in order to minimize tax liability.\n- Estate Administration: Estate administration is the process of distributing your assets and settling your estate after your death. This involves paying any debts and taxes, distributing assets according to your wishes, and ensuring that your estate is properly administered.\nIt is important to review your estate plan periodically and make any necessary updates as your personal and financial circumstances change. Estate planning can be a complex and emotional process, but with the help of an attorney and financial advisor, you can ensure that your wishes are honored and your assets are protected.\nIn conclusion, estate planning is an important aspect of personal finance and should be a priority for anyone who wants to ensure that their assets are managed and distributed according to their wishes. Estate planning can help you minimize taxes, protect your assets, ensure that your loved ones are taken care of, and give you peace of mind. By creating a comprehensive estate plan, you can ensure that your legacy is preserved and your assets are distributed according to your wishes.", "domain": "finance"}
{"url": "http://www.youtubeaz.com/2015/07/a-step-by-step-guide-on-how-to-make_16.html", "date": "2017-04-27T22:27:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122629.72/warc/CC-MAIN-20170423031202-00299-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9022141098976135, "token_count": 1211, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__194181534", "lang": "en", "text": "After creating a Youtube channel, consistently uploading high quality videos, and even engaging your audience, it is possible to begin to make money on Youtube. You can earn money with Google Adsense on Youtube. This is what this article is going to tackle – where to start, and the steps that will help you do so successfully.\nBefore we delve into how to make money with Youtube videos, it is important to understand what Google AdSense is and how it works.\nAn overview of AdSenseAdSense is Google’s primary advertising engine. It is used on Google’s sites and even partner sites, for instance, Youtube. Through the service, Google matches relevant advertisements with Youtube channels. This reduces the work of establishing relationships with various companies who would be interested in advertising their products on your channel, as this is automated via AdSense.\nHow AdSense worksIn a nutshell, you get paid when viewers click on an advertisement on your Youtube channel or even on one of your videos. Advertisers usually bid on the advertisement space on videos provided by Youtube channels that are monetized. The highest bidder gets their advertisement shown in a banner, or in a pre-roll video on your videos or in the side bar on Youtube channels. When a viewer clicks on a video advertisement, the company that owns the advertisement is charged, and you receive a percentage of the money that they have paid to Google for the ad space.\nHow to earn money with Google Adsense on YoutubeA single view will only earn you a few cents. However, if many people view the pre-roll advertisements or click on the banner advertisements, this can add up to a substantial amount. This means that you must work to build a large audience. This way, more people will become interested in the products or services being advertised.\n1. How to set up for monetizationTo make money on Youtube with Adsense, you need to set up your channel and videos for monetization. You need to be a Youtube partner to do this. You must also check to ensure that your channel is eligible. If you live in Russia, Ukraine, or Turkey you must apply to become a Youtube partner.\na. Enabling your channel for monetization\n- Go to your account settings\n- Open the monetization tab\n- Click 'enable my account'\n- If your account is not eligible, this option will be unavailable\n- Follow the steps and accept the monetization agreement.\nb. Monetizing the videosEnsure that the video meets the video monetization criteria. There are two options. You can enable monetization during upload or after.\n* During upload\n- Click the monetization tab on the upload page\n- Check 'monetize my video'\n- Select the ad formats you want to enable for the video\n- Click 'save changes'\n* After upload\n- From the channel video manager\n- Locate the video\n- Click 'edit' or '$'\n- On the monetization tab, check 'monetize my video'\n- Select the ad formats you will enable for the video\n- Save changes\n2. How to link your Youtube channel with an AdSense account.In order to make money With Youtube Videos via Adsense, the last step entails linking the channel with an Adsense account. The former requires you to input payment information and tax information as well, for example, a social security number or an employee ID number (EIN). You can create an Adsense account or link your channel to an already existing one. However, this account must be approved.\nIf your AdSense account is already approved:\n- Go to the 'monetization' page on your channel settings\n- Go to 'How will I be paid?'\n- From the AdSense association page, follow the next step\n- Select 'yes'\n- Go to Google account 'sign in'\n- Choose the Google account you want to choose\n- Enter its password\n- Accept the association\n- Wait for your account to be activated\nTips to make money on Youtube via AdSenseAfter ensuring that your channel and videos are monetized, and that you have linked your channel with an AdSense account, here are tips to ensure that you actually earn money with Google Adsense on Youtube:\n- Growing your audienceAs aforementioned, you need to grow your audience, if you are to make money with Youtube Videos via AdSense. Before you even think of monetizing your channel and videos, ensure that you have an audience of at least 5,000 subscribers, 1,000,000 upload views and 50,000 channel views. You can be accepted with less, but these statistics will increase your chances of being accepted. Moreover, these numbers will also increase the chances of the ads being clicked on, increasing your revenue.\n- Posting regularlyIf people like the videos, they will seek fresh content. If they share the videos, more viewers will visit your channel, increasing the chances of them clicking on the ads, thus increasing your chances to earn money with Google Adsense on Youtube.\n- Being professionalOne way of being professional is via creating a brand name for your videos. Viewers will remember how to find your work. Creating a website also adds to the professionalism.\nConclusionYou now have the entire procedure of how to make money With Youtube Videos via AdSense. It is not easy, but it is worth it. When working with Youtube, always ensure that the content you use is not copyrighted by others. This includes background music. To make money on youtube, always use your own ideas. Something else that you must never do if you want to earn money with Google Adsense on Youtube is clicking on your ads to increase your revenue. This could result in being banned from using AdSense, losing your platform to make money With Youtube Videos.\nOk. If you have any questions, please comment in the area below. Thank you so much!", "domain": "finance"}
{"url": "http://alternativecapital.co.ke/about.html", "date": "2021-03-05T15:58:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178373095.44/warc/CC-MAIN-20210305152710-20210305182710-00545.warc.gz", "language_score": 0.9601103067398071, "token_count": 296, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__27213838", "lang": "en", "text": "Proudly Kenyan owned , Alternative Capital Ltd is a registered lending company which is making it easier for businesses to start up , expand and create jobs. The company was formed for the purpose of providing fast and convenient loans to overcome any short-term financial hurdles, while also offering financial advice to help our clients reach a better financial position We pride ourselves on offering SME’s and individuals alike the fastest cash loans possible – and when we say fast, we mean fast! The entire loan approval process can be completed as quickly as 60 minutes, with the money showing up in your account within 10 minutes of your loan being approved.\nAt Alternative Capital, we set out to provide our clients with the absolute best cash loan service possible, with a customer-focused team that endeavors to make the entire process as easy and stress-free as possible. So whether you have an urgent bill that needs to be tended to, goods that need to be cleared at the port, something vital that you need to purchase or pay for, or even if you’re simply stuck for cash, Alternative Capital is the company you need to talk to! As Kenya’s first choice in lending solutions, Alternative Capital ensures that we offer you financial assistance that works for you – part of which is making sure that all of our costs and fees are completely transparent, so that you are fully aware of exactly what you will need to pay. We don’t believe in hidden costs and tricky fines", "domain": "finance"}
{"url": "https://www.autisticlove.org/pages/donate", "date": "2024-02-25T08:50:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474594.56/warc/CC-MAIN-20240225071740-20240225101740-00422.warc.gz", "language_score": 0.9389171600341797, "token_count": 423, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__91477763", "lang": "en", "text": "We are committed to supporting families and individuals on their journey with AUTISM SPECTRUM DISORDER. 100% of your donation will go directly to therapy programs.\nDonate – Named after our inspiration, the Ka’eo Griffin, Jr LOVE covers costs incurred by parents whom attend the Son-Rise Program training at the Autism Treatment Center of America in Sheffield, MA. This donation goes directly to the 501c3 organization and is tax deductible. Please visit the Autism Treatment Center of America and let them know that Jr, Glenn, & Ka'eo sent you!\n*additionally 10% from your purchase will go towards our LOVE Scholarship.\nThe Autism Treatment Center of America (ATCA)\nWe are committed to helping real families on their journey with autism. 100% of your donations will go directly to offsetting admission costs for parents attending the ATCA.\nThe majority of autism treatments are not covered by health insurance. We recognize the financial struggle most families of people with autism face. Not everyone can afford to help their children reach their full potential.\nThat is why Autistic Love Society has pledged 10% of all profits to go directly to scholarships and support. That means every purchase makes a difference! That said, you donations will make the most dramatic impact in lives of these families.\nOr you can also help by the following message below:\nDid you know you can give hope and empowerment to others every time you shop on Amazon.com? You can donate to the Option Institute & Autism Treatment Center of America without spending a single extra penny!\nSimply go to Amazon Smile\nSign into your Amazon account\nOn the next page enter “Option Institute” — find them as your charitable institution – click “Select” and you’re done!\nWhenever you shop on Amazon, sign into smile.amazon.com and a small portion (.05%) of the money you spend on Amazon.com will be donated to them!\nThis is a great benefit to them that costs you nothing.\nThank you for your love and support!!!", "domain": "finance"}
{"url": "http://lakewinnipegfoundation.org/tags/provincial", "date": "2017-04-28T21:40:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123097.48/warc/CC-MAIN-20170423031203-00515-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9284619688987732, "token_count": 178, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__23482418", "lang": "en", "text": "On April 11, Manitoba’s government released the 2017 budget, its spending plan for the coming year.\nLake Winnipeg was not specifically mentioned in either Finance Minister Cameron Friesen’s speech or the budget summary.\nWater-related spending appears on page 18 of the budget summary, nested under strategic infrastructure. This spending includes a $60 million investment in water-related infrastructure such as flood protection, drainage and other water-control initiatives, and represents a 33 per cent increase from the 2016/17 budget.\nFunding for Sustainable Development – the provincial...\nLWF publishes a newsletter, The Watershed Observer, twice a year. Our most recent edition includes information on our emerging community-based monitoring network, details about groundbreaking microplastics research made possible through our grants program, and helpful tips on how you can speak up for water by reaching out to decision makers.", "domain": "finance"}
{"url": "https://www.orinocogold.com/index.php/company-profile/corporate-governance", "date": "2021-05-07T15:42:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243988796.88/warc/CC-MAIN-20210507150814-20210507180814-00259.warc.gz", "language_score": 0.9338127374649048, "token_count": 968, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__91524680", "lang": "en", "text": "The primary responsibility of the Board is to represent and advance Shareholders' interests and to protect the interests of all stakeholders. To fulfil this role the Board is responsible for the overall corporate governance of the Company including its strategic direction, establishing goals for management and monitoring the achievement of these goals.\nThe responsibilities of the Board include:\n- Protection and enhancement of Shareholder value;\n- Formulation, review and approval of the objectives and strategic direction of the Company;\n- Approving all significant business transactions including acquisitions, divestments and capital expenditure;\n- Monitoring the financial performance of the Company by reviewing and approving budgets and monitoring results;\n- Ensuring that adequate internal control systems and procedures exist and that compliance with these systems and procedures is maintained;\n- The identification of significant business risks and ensuring that such risks are adequately managed;\n- The review and performance and remuneration of executive directors and key staff;\n- The establishment and maintenance of appropriate ethical standards; and\n- Evaluating and, where appropriate, adopting with or without modification, the ASX Corporate Governance Council's Corporate Governance Principles and Recommendations.\nThe Board recognises the need for the Company to operate with the highest standards of behaviour and accountability. Subject to the exceptions outlined below the Company has adopted the ASX Corporate Governance Council's Corporate Governance Principles and Recommendations to determine an appropriate system of control and accountability to best fit its business and operations commensurate with these guidelines.\nThe following statements, policies and procedures set the framework for the Company’s corporate governance practices:\n- Corporate Governance Statement\n- Board Charter;\n- Policy and Procedures for selection and appointment of new directors;\n- Code of conduct for Company executives;\n- Securities Trading Policy;\n- Audit Committee Charter;\n- Summary of procedure for selection of external auditor and rotation of external auditor;\n- Continuous Disclosure Policy;\n- Shareholder Communications Strategy;\n- Risk Management Program;\n- Remuneration Committee Charter; and\n- Process for performance evaluation of the Board, board committees, individual directors and key executives.\nAs the Company’s activities develop in size, nature and scope the implementation of additional corporate governance structures will be given further consideration.\nIn addition to the above, Orinoco is:\n- Committed to operating in a safe and responsible manner, respecting the health of our employees, the environment, and the communities in which we operate.\n- Committed to the highest standards of personal, professional and ethical behaviour.\nThe Board sets out below its \"if not, why not\" report in relation to those matters of corporate governance where the Company's practices depart from the recommendations.\nRecommendation reference -\n|ASX Guidelines||ASX Principle||Explanation for Departure|\nThe Board should establish a policy concerning diversity\n| The Company does not have an express policy specifically addressing the achievement of gender diversity, however will consider adopting a policy in the future. The Company’s Corporate Governance Plan includes a corporate code of conduct, which provides a framework for undertaking ethical conduct in employment. Under the corporate code of conduct, the Company will not tolerate any form of discrimination or harassment in the workplace.\n|2.1||The Board should establish a nomination committee||The Board has no formal nomination committee. Acting in its ordinary capacity from time to time as required, the Board carries out the process of determining the need for, screening of and appointing of new Directors. In view of the size and resources available to the Company, it is not considered that a separate nomination committee would add any substance to this process.|\n|2.4||A majority of the Board of a listed entity should be independent directors||Given the Company’s present size and scope, it is currently not company policy to have a majority of independent Directors. Directors have been selected to bring specific skills and industry experience to the Company. The Company currently has three (3) Directors who are deemed to be independent and three (3) who are deemed to be non-independent due to their executive agreements with the Company and relationships with a material supplier, customer or shareholder of the Company. Independence is determined in accordance with the Company Independence policy.\nThe chair of the Board of a listed entity should be an independent director and, in particular, should not be the same person as the CEO of the entity.\nThe current chair of the Board is not an independent Director, however given the changes to the Board and management of the Company during the 2017 reporting period, the Board considers him to be the most appropriate person to chair the Company given his commitment to and knowledge of the Company’s business. The chair of the Board is not the same person as the CEO of the Company", "domain": "finance"}
{"url": "https://zlibrary.website/how-to-write-a-business-plan-pdf/", "date": "2023-11-28T13:14:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099514.72/warc/CC-MAIN-20231128115347-20231128145347-00158.warc.gz", "language_score": 0.9352322220802307, "token_count": 580, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__74383856", "lang": "en", "text": "How to Write a Business Plan PDF\n290 Pages·2010·3.02 MB·5619 Downloads·English\n“How to Write a Business Plan” by Mike McKeever is a comprehensive guide to creating a successful business plan for entrepreneurs and small business owners. The book provides a step-by-step approach to creating a well-crafted business plan that can be used to attract investors, secure financing, and guide the growth of a new business.\nThe book begins with an introduction to the purpose and benefits of a business plan. The author stresses the importance of having a clear and concise plan that outlines the goals, strategies, and financial projections of the business. He also explains how a well-crafted plan can help entrepreneurs avoid common pitfalls and increase the chances of success.\nThe author then provides a detailed overview of each section of a business plan, including the executive summary, company overview, market analysis, marketing and sales strategies, operations plan, financial projections, and appendices. Each section is explained in detail, with practical tips and examples provided to help readers craft a compelling plan.\nOne of the strengths of the book is its emphasis on the importance of research and analysis in creating a successful business plan. The author provides a detailed guide to market research, including how to analyze industry trends, target customer demographics, and evaluate competitors. He also offers practical advice on how to develop effective marketing and sales strategies, including how to identify target markets, create a brand identity, and develop pricing and distribution strategies.\nThe book also provides a comprehensive guide to financial projections, including how to create realistic sales and expense forecasts, develop profit and loss statements, and create cash flow projections. The author emphasizes the importance of creating a detailed and accurate financial plan, as this is often a key factor in securing financing and attracting investors.\nFinally, the book provides practical tips on how to present a business plan to investors or lenders. The author offers advice on how to create effective pitch decks, prepare for investor meetings, and negotiate financing terms.\n“How to Write a Business Plan” has received high praise from entrepreneurs and business experts. The book has been hailed for its practical approach, clear writing style, and comprehensive coverage of all aspects of business planning. Many readers have reported using the book to successfully launch and grow their own businesses.\nIn summary, “How to Write a Business Plan” is an essential resource for entrepreneurs and small business owners who want to create a successful business plan. The book provides a step-by-step approach to creating a well-crafted plan that can be used to attract investors, secure financing, and guide the growth of a new business. Whether you’re just starting out or looking to take your business to the next level, this book is a must-read for anyone who wants to succeed in the competitive world of business.", "domain": "finance"}
{"url": "http://lightparty.com/Economic/Nations.html", "date": "2019-02-20T08:30:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247494485.54/warc/CC-MAIN-20190220065052-20190220091052-00044.warc.gz", "language_score": 0.9355128407478333, "token_count": 366, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__108523910", "lang": "en", "text": "THE NATURAL WEALTH OF NATIONS\nFirst, we can stop throwing away an estimated $650 billion a year in government subsidies worldwide that fund actions that harm the environment and cost consumers and taxpayers - even as they slow economic development and reduce employment.\nSecond, we can shift taxes, easing up on activities we say we want more of, like work and investment, and getting the tax revenues we need by raising taxes on activities we want to discourage, like burning fossil fuels or producing toxic wastes.\nSpecial interests have all too often had the power to block such economically and environmentally sensible changes in fiscal policy. But by being smarter about explaining the benefits of these changes, we can build a broad-based coalition of labor unions, consumers, service industries, and manufacturers of environmentally protective goods and services that can take on entrenched special interests.\nCombining cuts in subsidies and tax shifting would free up $1.5 trillion worldwide, funds that could be used to cut taxes on wages and profits by up to 15 percent - without changing overall tax revenues.\nIn the U.S. a family of four would get a net income tax cut of $2,000.\nPolls already show overwhelming support for tax shifting. Six European nations have already cut taxes on work and investment and shifted the tax burden to air pollution, fossil fuels, or landfilling.\nTo order, call (800) 555-2028. Visit our website at www.worldwatch.org.\n(Reprint, Worldwatch Institute, 1776 Massachusetts Ave., NW, Washington, DC 20036)\nCopyright © 1996. The Light Party.\nYour Feedback is important to us. Please send us E-Mail.\nOur E-mail address is email@example.com\nBack to Eco-nomics Directory", "domain": "finance"}
{"url": "https://murdishawhealthcentre.co.uk/info.aspx?p=16", "date": "2022-07-01T01:19:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103917192.48/warc/CC-MAIN-20220701004112-20220701034112-00763.warc.gz", "language_score": 0.9377633333206177, "token_count": 456, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__210008819", "lang": "en", "text": "Patient Charges Non NHS Services\nIt has come to our attention that many of our patients are not aware of the additional charges that can be made in regards to some services provided by the practice.\nSome administrative services that we offer are not provided by the NHS and we then charge for these services as outlined below. The cost of these services is in line with British Medical Association guidance.\nWe want to make our patients aware of these charges so they can make an informed decision regarding any paperwork submissions going forward.\nPlease see below some of the services and the costs outlined below:\nForms e.g. holiday cancellation, occupational questionnaires, Insurance claims, Firearm Licence renewals etc.\nPrivate Sick Note (e.g. For an employer)\nShort letter from the Doctor\nDetailed letter from the Doctor\nDisabled Students Allowance\nDisabled Bus Pass Application\nFull Insurance Reports\nMedicals (Pre Employment/HGV/Taxi/Bus)\n*Other additional services may also be chargeable depending on the request, please ask in the surgery and a member of the management team will confirm prices*\nAny paperwork will only be signed off and completed once payment has been via cheque or cash in reception.\nYou will be contacted directly once your paperwork is ready for collection.\nPLEASE BE AWARE: Charges may be subject to change at the discretion of the management team\nWe DO NOT offer the following:\n-'Fit to fly' Notes\n-'Fit to compete/run'notes for marathons, running competitions and other competitive events\n-Letters for re housing applications from patients (we will however consider applications directly from landlords/housing associations etc. but there may be a fee\n-Direct letters regarding change in benefits (again we will only deal with official paperwork provided by DWP or other relevant agencies)\nIf you have any queries or questions regarding these charges or services please contact Murdishaw Health Centre directly and a member of the team will do their best to help you.", "domain": "finance"}
{"url": "http://kmbmoney.com/", "date": "2020-02-17T03:48:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875141653.66/warc/CC-MAIN-20200217030027-20200217060027-00427.warc.gz", "language_score": 0.9377946257591248, "token_count": 188, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__157748540", "lang": "en", "text": "The faster, more reliable way to send money anywhere\nThe fast, reliable and cost-effective international payments\nplatform for your business.\nSign up online or in our app for free. All you need is an email address, or a Google or Facebook account.\nTell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.\nFill in the details of your recipient’s bank account. If you don’t know their details, we can request them for you.\nFor currency transfer, we need a photo of your ID. This helps us keep your money safe\nSend your money with a bank transfer, or a debit card.\nWe’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.\nDownload our app and get a great rate for your money.", "domain": "finance"}
{"url": "https://allnews.press/2021/03/23/asia-pacific-stocks-edge-higher-baidu-rises-in-hong-kong-debut-from-international-top-news-and-analysis/", "date": "2021-05-15T21:44:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243991378.52/warc/CC-MAIN-20210515192444-20210515222444-00207.warc.gz", "language_score": 0.9201726317405701, "token_count": 602, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__128836239", "lang": "en", "text": "SINGAPORE — Shares in Asia-Pacific were mixed in Tuesday trade, with Chinese search giant Baidu making its debut in Hong Kong.In Japan, the Nikkei 225 edged 0.53% higher while the Topix index gained 0.33%. South Korea’s Kospi slipped fractionally.Mainland Chinese stocks dipped as the Shanghai composite shed 0.21% while the Shenzhen component declined 0.287%. Hong Kong’s Hang Seng index was little changed.Shares in Australia inched higher, with the S&P/ASX 200 rising 0.26%.MSCI’s broadest index of Asia-Pacific shares outside Japan traded 0.15% higher.In corporate developments, Baidu’s stock began trading in Hong Kong on Tuesday, with shares rising more than 1% in early trade from their issue price. The firm joins a long list of U.S.-listed Chinese tech companies that have done secondary offerings in Hong Kong, including Alibaba and JD.com.Tech stock watchMeanwhile, technology stocks in Asia-Pacific were mixed in Tuesday morning trade. Shares of Japanese conglomerate Softbank Group gained 0.17% while South Korean industry heavyweight Samsung Electronics advanced 0.12%. LG Electronics, on the other hand, fell 2.9%.Over in Hong Kong, shares of Tencent nudged 0.47% higher while Alibaba dipped 0.26%.The moves in regional tech stocks came after their counterparts stateside rallied overnight amid declining bond yields, with the tech-heavy Nasdaq Composite jumping 1.23% to close at 13,377.54.Other major indexes on Wall Street also rose on the day: The S&P 500 advanced 0.7% to 3,940.59 while the Dow Jones Industrial Average climbed 103.23 points to 32,731.20.The moves stateside came as the 10-year Treasury yield declined 5 basis points to around 1.68% (1 basis point equals 0.01%), following a 14-month high touched last week. It last stood at 1.6964%.Currencies and oilThe U.S. dollar index, which tracks the greenback against a basket of its peers, was at 91.829 — still above levels below 91.5 seen last week.The Japanese yen traded at 108.84 per dollar, stronger than levels above 108.75 against the greenback seen last week. The Australian dollar changed hands at $0.7726, still off levels above $0.78 seen last week.Oil prices declined in the morning of Asia trading hours, with international benchmark Brent crude futures down 0.99% to $63.98 per barrel. U.S. crude futures shed 0.96% to $60.97 per barrel.— CNBC’s Arjun Kharpal contributed to this report.Correction: This article was updated to accurately reflect the level of the U.S. dollar index.", "domain": "finance"}
{"url": "http://binaryoptiontrade.winsfuddmindvirmoldbal.tk/?binomo=14535", "date": "2022-11-30T17:52:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710765.76/warc/CC-MAIN-20221130160457-20221130190457-00409.warc.gz", "language_score": 0.9005351066589355, "token_count": 1327, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__139697078", "lang": "en", "text": "Binomo broker is fully cooperating with customers worldwide, ensuing the most exciting, profitable and exclusive trading conditions with unbeatable returns up to 95% per trade. Transparency being an integral part of its operations you can be sure of up-to-date market quotes and ease of deposits and withdrawals. This allows for a high degree of trust and reaffirms its positive investment climate. Placing a trade with the binomo platform is easy. However, you have to analyze the market carefully before placing trades. Those who are new in this field, still don’t know how to place a trade on Binomo platform. So, you can follow these below steps to open a contract and get profit. So the best way to trade at Binomo platform is to avoid 30-second transactions. Do you often listen to ads for making money in 30 seconds with Binomo? Forget this right away. Because if you trade short, the price may be affected by the platform so you could lose money very quickly. Trading platform Binomo Is Binomo a multi-level finance? Too many multi-level finances have appeared recently ... Before you place a trade you know exactly how much you stand to gain if your prediction is correct, usually 70-95% – if you invest $100 you will receive a credit of $170 – $195 on a successful trade. This makes risk management and trading decisions much more simple. The outcome is always a Yes or No answer – you either win it all or you lose it all – hence it being a “ binary ... How to trade on the Binomo platform - a technical guide. 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Discover the best Binary and Forex indicator for your trading strategy so you can improve your ... Simple Forex Trading Strategy: ... Best Trend Lines Trading Strategy (Advanced) - Duration: 28:55. Wysetrade 802,802 views. 28:55. 25 Year Old Millionaire Stock Trader Alex Temiz Q+A at SMB ... Practice FOREX - FREE or REAL at: http://www.avatrade.com/?tag=75842 Forex Scams: https://www.youtube.com/watch?v=eTiXEEBIQnI PART 2: https://www.youtube.com... Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube. The Best Times to Trade the Forex Markets. Subscribe if you want to learn while being entertained. Please like the video and comment if you enjoyed - it ... 🚨🚨Trading Performance 🚨🚨 Improve Your Trading Performance at our Fundamental Trading Academy https://www.toptradersfx.com/academy (Our Academy is 1v1 ... 100% Accurate Trading System 🔥 Best Indicator For Forex Trading 🔥🔥 Free Download 2020 🔥🔥🔥 - Duration: 11:08. POWER OF TRADING 2,171 views 11:08", "domain": "finance"}
{"url": "https://easibooks.co/how-it-works/", "date": "2019-12-15T07:24:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541307797.77/warc/CC-MAIN-20191215070636-20191215094636-00485.warc.gz", "language_score": 0.9057727456092834, "token_count": 323, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__31525818", "lang": "en", "text": "Easibooks online bookkeeping services save you time, money and hassle.\nBeginning of each month, you send bills, invoice, receipts, payments, statements, employee data and other information by mail, fax, email or upload it to our user-friendly document sharing portal.\nWe record, categorize, reconcile transactions and update your books. If we have questions, we will contact you for missing documents or clarifications.\nYou get monthly profit and loss, balance sheet, cash flow statements and other relevant reports to help you make informed business decisions. If you need clarifications, no problem! Just email your dedicated bookkeeper.\nFor the first month, your dedicated bookkeeping pro will review financial reports, analysis and document collaboration process with you. After that, you will be able to communicate with you dedicated bookkeeper when you have questions or input.\nEasibooks is you, your dedicated bookkeeper, beautiful bookkeeping software, document management and collaboration tools, and online bookkeeping services.\nNo more waiting for your bookkeeper to call back. Easily communicate with your bookkeeper to get the information you need for making decisions.\nAccess your financial dashboard, drill down on transactions, get reports and analysis you need to run your business anytime, anywhere!\nOur streamlined document sharing, collaboration and communication process makes bookkeeping fast, easy and affordable.\nBest in class software, easy navigation and contextual online support eliminates bookkeeping pain and puts you in control of business finance.\nLet an Easibooks pro take on your bookkeeping challenges and guide your business to higher profitability.", "domain": "finance"}
{"url": "https://marketing.khl.com/news/record-construction-equipment-sales-in-2021/8019232.article", "date": "2023-12-01T04:08:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00216.warc.gz", "language_score": 0.9593695402145386, "token_count": 681, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__59360282", "lang": "en", "text": "Record construction equipment sales in 2021\n23 March 2022\nDownload your one-page guide to the key headlines.\nRecord sales in 2021\nGlobal construction equipment sales grew +10 per cent last year. High demand and long lead times mean a similar volume of equipment is forecast to be sold in 2022.\nGlobal construction equipment sales rose 10 per cent in 2021 to a new record of 1,196 million units, according to Off-Highway Research’s newly updated Global Volume & Value Service. A -5% fall in demand is expected this year, but that would still give 2022 the second highest sales volume on record.\nOff-Highway Research managing director, Chris Sleight said, “The combination of low interest rates, stimulus spending on infrastructure and high commodity prices last year was a heady combination for the construction equipment market. Residential construction is booming, there is strong demand for equipment from mines and the pipeline of infrastructure work looks solid.”\nAll major markets of the world grew last year, with the exception of China. Some of the most robust growth was seen in North America (up 25 per cent) and Western Europe (up 22 per cent), while emerging markets, excluding India and China, were up 24 per cent.\nSleight said, “Equipment sales in China have moved to a different rhythm to the rest of the world since the start of the Covid pandemic. China quickly put stimulus in place at the start of the global pandemic in March 2020. As a result it saw 30 per cent growth in its equipment sales last year, to take the market to volumes which had not been seen for a decade.\n“However, this stimulus push was soon spent and equipment sales started to fall in the second quarter of 2021. Although the downturn was steep, the extremely high volumes of equipment sold in the first quarter had an offsetting effect, and the market as a whole fell only -6 per cent overall in 2021.”\nForecast for 2022\nThe outlook for this year remains upbeat, with further equipment sales growth expected in many countries, again with the exception of China. “As has been widely reported, demand for construction equipment globally is much higher than can be met by the available supply, while shipping bottlenecks are an unwelcome contributor to long lead times. Many manufacturers report that they are sold out for 2022, so we expect global equipment sales to stay at high levels throughout the year,” said Sleight.\n“However,” he added, “There are clearly downside risks. Inflation and the prospect of rising interest rates have been factors for several months and could be a brake on growth. More recently, Russia’s invasion of Ukraine and the resulting international sanctions have exacerbated this situation. It is too early to say how the geopolitical and economic factors will play out, but there are clearly no positives to draw from such a dreadful situation.”\nResults from last year and Off-Highway Research’s updated outlook will be discussed in our Global Off-Highway Briefing webinar on 29th March. More details are available on our dedicated website.\nBook your place with a credit card payment on the Off-Highway Research online store here.\nIf you need to pay by American Express, please book via the KHL online store here.", "domain": "finance"}
{"url": "http://adc-lighting.com/e_news_show/?id=5", "date": "2020-07-08T11:37:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655896932.38/warc/CC-MAIN-20200708093606-20200708123606-00320.warc.gz", "language_score": 0.9591042995452881, "token_count": 412, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__195953524", "lang": "en", "text": "Osram deal to get green light soon\nCountries related to sale already OK'd transaction\nChina will give the green light soon to a Chinese consortium's acquisition of an LED lighting unit of Osram Licht AG, after the German company gained approval from the anti-monopoly authorities in all other related countries, experts said on Monday.\nThe comments came after the Committee of Foreign Investment in the United States, a multiagency panel chaired by the Treasury Department, approved the 400-million-euro ($425.6 million) purchase of the German group's LED lighting unit, also known as LEDVANCE, by Chinese buyers last week.\nBecause LEDVANCE has assets and manufacturing facilities in a number of countries, the deal has been approved by anti-monopoly authorities in the US, Macedonia, Mexico, Turkey, Germany, Poland and Russia.\nLi Gang, vice-president of the Chinese Academy of International Trade and Economic Cooperation in Beijing, said the robust growth of China's outbound direct investment would not change because current economic development requires that domestic companies use resources in global markets.\nThe Munich-based manufacturer of lighting products and semiconductors said the deal is still awaiting approval from China's State Administration of Foreign Exchange, the final government authority to approve the purchase.\n\"As China is upgrading its manufacturing ability to more advanced and internet-connected products, this deal certainly will be cleared by government branches soon to encourage domestic companies to invest in high-end, smart and green manufacturing abroad,\" said He Jingtong, a professor of international trade at Nankai University in Tianjin.\nThe Chinese consortium was formed by Sanan Optoelectronics Co Ltd, IDG Capital Partners and Yiwu State-Owned Assets Operation Center. The consortium's bid was cleared by Germany in January.\nHe said even through the mood for trade protectionism has grown fast since the United Kingdom's decision to leave the European Union, the German and the US governments were aware that controlling risks and cooperating with China would benefit all sides.", "domain": "finance"}
{"url": "http://www.tlavideo.com/support/supportOption.cfm?v=4&g=0&sn=4638&supID=53", "date": "2017-07-21T16:40:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549423787.24/warc/CC-MAIN-20170721162430-20170721182430-00325.warc.gz", "language_score": 0.9335456490516663, "token_count": 419, "dump": "CC-MAIN-2017-30", "global_id": "webtext-fineweb__CC-MAIN-2017-30__0__101750386", "lang": "en", "text": "Earn Rewards for Future Purchases\nEarn Rewards for future purchases\nSpend more – get more!\nFor every purchase you make online at any TLA shopping site, you will earn credit rewards, These Rewards can be used like cash toward any future online purchase with us. The more you spend per purchase the more Rewards you will earn:\n- Spend $1 to $99.99 - You earn 2% of your purchase in Rewards\n- Spend $100 to $199.99 - You earn 3% of your purchase in Rewards\n- Spend over $200 - You earn 4% of your purchase in Rewards\nFor example, if you place an order with us for $100 you will earn $3 in Rewards that you can apply toward a future purchase. Rewards are awarded only for the amount spent on products, not shipping or sales tax. In the event of sales, promotions, or discounts, Rewards are awarded only for the amount spent, not for the pre-discount price.\nWho is eligible to earn these Rewards?\nRewards may be earned and redeemed only by our customers with a valid email address who subscribe to at least one of our email mailing lists. Subscribing to one of our email lists gives you special offers and valuable discounts!\nHow do I keep track of my Rewards?\nWhen you log in at any TLA Entertainment website you will see your available Rewards directly below the shopping cart at the top of the site.\nHow do I spend my Rewards?\nYou can redeem your Rewards by selecting the \"SPEND REWARDS\" option in your shopping cart at the time of purchase.\nWill my Rewards expire?\nNo. Unused rewards do not expire. However, we reserve the right to change this policy at anytime.\nCan I spend my Rewards anywhere?\nWhen are Rewards awarded?\nRewards are awarded the next business day after your order has shipped.\nContact Customer Service\nDo you have a question, comment or concern? Are you still unsure about something? Contact our customer service department using the form below.", "domain": "finance"}
{"url": "http://www.mattblodgett.com/2016_04_01_archive.html", "date": "2017-05-24T00:30:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463607726.24/warc/CC-MAIN-20170524001106-20170524021106-00027.warc.gz", "language_score": 0.9717987179756165, "token_count": 497, "dump": "CC-MAIN-2017-22", "global_id": "webtext-fineweb__CC-MAIN-2017-22__0__86276724", "lang": "en", "text": "It seems like there is stigma in the software development world around looking at money as a central motivator for one’s career choices. You should instead be passionate about a company’s mission, or motivated intrinsically by a drive toward craftsmanship, or yearn for the chance to use cool technologies.\nBut there’s a common expression in the outside world:\nMoney talks, bullshit walks.\nIt turns out that money is a convenient shortcut to determining how much an organization values one’s contributions. And a close correlate to value is respect.\nEven for someone who is not generally motivated by money in life, I believe can still find better jobs by focusing on how much a company is willing to pay.\nI imagine many people have had jobs where they felt talked down to or generally made to believe they were unimportant. And along with that attitude comes other negative aspects to a job, like a crappy work environment, outdated equipment, lack of concern for one’s career goals, etc. None of us want a job like that.\nIf you’ve ever had a job like that, let me ask a rhetorical question: were you well-paid at that job? How was your salary or hourly wage?\nSome companies try to get away with lower salaries by offering cheap perks like free sodas and snacks. Similar to car dealerships hoping people will buy a luxury car from them because they offer free car washes.\nThe thing about perks like that is they assume a certain naivete on the part of employees. “This company is a great place to work, because they have a free pizza lunch once a week…something that costs them a small fraction of my hourly wage.”\nPerks are great, but when I find that a company is attempting to sell me on a job by heavily touting these kinds of perks—things that I could buy for myself quite cheaply—I ask myself one question:\n“If they really appreciated me and the work I do, why wouldn’t they just pay me more?”\nI’d argue that consciously seeking out companies that offer higher salaries and compensation is a great way to find many of the other things that make a job great, like talented co-workers, respect within the organization, and latitude in the way that one works.\nWhen evaluating career opportunities, money is not the only voice, but it sure speaks volumes.", "domain": "finance"}
{"url": "http://aboutschwab.com/about/leadership/joseph_martinetto/", "date": "2013-05-20T12:08:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368698924319/warc/CC-MAIN-20130516100844-00066-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9431594014167786, "token_count": 300, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__72438161", "lang": "en", "text": "Joseph R. Martinetto\nExecutive Vice President and Chief Financial Officer\nJoseph R. Martinetto is responsible for the core financial functions of financial planning & analysis, Treasury, the controllership, Investor Relations and corporate real estate. He is also responsible for corporate development and strategy, technology services, operations, information security and Schwab Bank.\nMartinetto joined Schwab in 1997 as senior vice president and Treasurer. While he assumed the role of senior vice president of retail finance in 2001, Martinetto returned to the Treasury role in 2003, assuming incremental responsibility for financial planning & analysis and management information systems. He became the company’s Chief Financial Officer in 2007.\nPrior to joining Schwab, Martinetto was senior assistant treasurer at Transamerica Corporation and senior vice president of Transamerica Finance Corporation. He oversaw the asset/liability management function for Transamerica, as well as managing the derivative and foreign exchange activities, capital and liquidity planning, and rating agency relationships.\nFrom 1984 until 1996, Martinetto worked at First Interstate Bancorp in a variety of positions, including several years in Treasury as vice president and manager of long-term funding. At the time of First Interstate’s acquisition, he was senior vice president and manager of the asset and liability management department.\nMartinetto has a Bachelor of Arts degree in mathematics and economics from Claremont McKenna College and a Master of Business Administration degree from the University of California, Berkeley.", "domain": "finance"}
{"url": "https://heartlandheritagefarms.com/refer-a-friend", "date": "2023-12-08T01:57:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100710.22/warc/CC-MAIN-20231208013411-20231208043411-00478.warc.gz", "language_score": 0.9244533181190491, "token_count": 279, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__94689808", "lang": "en", "text": "You can now earn $10 in store credit for every new referral to Heartland Heritage Farms!\nHow you earn credit:\n1. Log in to your account and click the \"Referrals\" tab.\n2. Share your referral link on social media or any way you see fit. (Select/highlight your link, Right Click and click “Copy”)\n3. When someone uses your link to create an account and pays for their first order you earn $10 in store credit. There is no limit to how much store credit you can earn. The more you share the more potential credit you can earn.\nSome helpful tips:\n1. Every new customer you refer will also get $10 in credit when they sign up. Use this to help incentivize people to sign up and place an order.\n2. Tell people why they should try Heartland Heritage Farm meats, include a picture, or give a review. The more you engage the more referrals you will get.\n3. You can track your referral stats from the referral tab under your account. From there you can see how many people clicked your link, how many referrals you have, and how much credit you've earned.\nSee screenshot below:\n(Click on the “Referrals” tab on the left side of your screen to access your Referral Link)", "domain": "finance"}
{"url": "https://www.beth-tzedec.org/page/our-leadership/a/display/s/1/hc/1/item/1995", "date": "2021-09-18T19:48:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780056572.96/warc/CC-MAIN-20210918184640-20210918214640-00643.warc.gz", "language_score": 0.9614009261131287, "token_count": 139, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__70970426", "lang": "en", "text": "Cecile is a CPA involved in real estate management and investment. She has 25 years of governance experience on the boards of TanenbaumCHAT, Jewish Family and Child, UJA Federation, Leo Baeck and others. She is the Treasurer of Beth Tzedec and a member of the Executive. She serves on the Catering, Nominations, Audit, Investment and Cemetery Committees of the shul and Chairs Budget & Finance. She is the proud parent of 3 RHA and TanenbaumCHAT grads. A member of Beth Tzedec for 20 years, Cecile looks forward to working collaboratively on the exciting challenges and opportunities ahead for our shul.", "domain": "finance"}
{"url": "http://course-catalog.sowashco.org/business/personal-finance", "date": "2019-04-25T13:46:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578721468.57/warc/CC-MAIN-20190425134058-20190425160058-00160.warc.gz", "language_score": 0.9473909139633179, "token_count": 113, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__103970924", "lang": "en", "text": "Never has the need for financial education been so critical for all students! Become equipped to confidently discuss money issues and plan for your own financial future. Learn the essentials for independent living such as budgeting, saving for a car and buying insurance. Learn how to build wealth and avoid the mistakes of others who find themselves with unnecessary debt and in bankruptcy court. Instead, learn how to develop good financial habits at an early age - habits that will allow you to Make, Manage, Multiply and Protect your money. This course is essential for a secure financial future.", "domain": "finance"}
{"url": "https://bankruptcycourthouse.com/colorado/gunnison-county/", "date": "2024-04-21T17:33:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817790.98/warc/CC-MAIN-20240421163736-20240421193736-00007.warc.gz", "language_score": 0.932715117931366, "token_count": 2998, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__141105639", "lang": "en", "text": "Gunnison County Bankruptcy Court\nBankruptcy cases from Gunnison County are handled in the District of Colorado, United States Bankruptcy Court. The District of Colorado is a federal bankruptcy court which handles cases from the following Counties in Colorado: Adams County, Alamosa County, Arapahoe County, Archuleta County, Baca County, Bent County, Boulder County, Broomfield County, Chaffee County, Cheyenne County, Clear Creek County, Conejos County, Costilla County, Crowley County, Custer County, Delta County, Denver County, Dolores County, Douglas County, Eagle County, El Paso County, Elbert County, Fremont County, Garfield County, Gilpin County, Grand County, Gunnison County, Hinsdale County, Huerfano County, Jackson County, Jefferson County, Kiowa County, Kit Carson County, La Plata County, Lake County, Larimer County, Las Animas County, Lincoln County, Logan County, Mesa County, Mineral County, Moffat County, Montezuma County, Montrose County, Morgan County, Otero County, Ouray County, Park County, Phillips County, Pitkin County, Prowers County, Pueblo County, Rio Blanco County, Rio Grande County, Routt County, Saguache County, San Juan County, San Miguel County, Sedgwick County, Summit County, Teller County, Washington County, Weld County, Yuma County. The federal courts have 90 different judicial district across the states and U.S. territories (some states have more than one district court).Each district court has a matching bankruptcy court which handles all the bankruptcy cases arising from that jurisdiction.\nCan I file my Gunnison County bankruptcy case in District of Colorado Bankruptcy Court?\nIf your residence is in Gunnison County or the principal place of your business is in Gunnison County, you can file your case in District of Colorado Bankruptcy Court. Additionally, District of Colorado handles cases from all of the following Counties: Adams County, Alamosa County, Arapahoe County, Archuleta County, Baca County, Bent County, Boulder County, Broomfield County, Chaffee County, Cheyenne County, Clear Creek County, Conejos County, Costilla County, Crowley County, Custer County, Delta County, Denver County, Dolores County, Douglas County, Eagle County, El Paso County, Elbert County, Fremont County, Garfield County, Gilpin County, Grand County, Gunnison County, Hinsdale County, Huerfano County, Jackson County, Jefferson County, Kiowa County, Kit Carson County, La Plata County, Lake County, Larimer County, Las Animas County, Lincoln County, Logan County, Mesa County, Mineral County, Moffat County, Montezuma County, Montrose County, Morgan County, Otero County, Ouray County, Park County, Phillips County, Pitkin County, Prowers County, Pueblo County, Rio Blanco County, Rio Grande County, Routt County, Saguache County, San Juan County, San Miguel County, Sedgwick County, Summit County, Teller County, Washington County, Weld County, Yuma County. This is referred to as the court’s jurisdiction. Because District of Colorado is a federal bankruptcy court, it has a limited jurisdiction of bankruptcy cases arising out of the above Counties. A regular case for breach of contract or tort action needs to be filed in the appropriate Colorado State Court (or District of Colorado Court).\nWhat is the difference between Chapter 7 and Chapter 13 bankruptcy?\nIn Chapter 7 bankruptcy, the non-exempt assets of the debtor are liquidated and the proceeds are distributed to the debtor’s unsecured creditors. Chapter 7 is the most simple and quickest form of bankruptcy. In 2005 amendments were made to the bankruptcy law to require a “means test” that a debtor must meet in order to be eligible to file for Chapter 7 bankruptcy. If the “means test” is failed, the case will either be dismissed or converted to a Chapter 13 bankruptcy.Chapter 13 bankruptcy allows an individual to keep all of their possessions or assets, but they must devote a portion of their future income to repay their creditors. The debtor must have a regular source of income in order to develop a plan to repay all or part of their debts. In Chapter 13 bankruptcy the payback period is between 3-5 years depending upon the amount of income the individual has.The biggest difference is that the debtor is able to keep all their possessions in a Chapter 13 filing, but must pay back their debt over a 3-5 year period.\nGunnison County Bankruptcy Court Clerk\nEach bankruptcy court has its own court clerk. The court clerk’s office is where documents are filed for the bankruptcy court. The clerk’s office (or at least a part where filings are taken) is generally located in the same courthouse as the court.A court clerk can provide legal information, but not legal advice.\nWhat is an automatic stay?\nAn important part of all bankruptcy filings is what is referred to as an automatic stay. By filing for bankruptcy, an automatic stay is imposed and immediately stops most lawsuits, reposessions, foreclosures, evictions, garnishments, attachments, utility shut-offs, and any debt collection.\nWhat is a bankruptcy discharge?\nA discharge in bankruptcy removes the debtor from liability for certain debts (ie. the debtor no longer has any legal obligation to pay the debts that were discharged). The discharge is permanent and prevents the creditor from further pursuing repayment of the debt or contacting the debtor. Put another way, the Debtor is no longer obligated to pay any debts that are discharged.The bankruptcy discharge is a permanent order.Once granted, the Creditor is prohibited from taking any form of collection action on a discharged debt including written communications or telephone calls with the Debtor.The discharge removes the Debtor from personal liability, but any valid lien that was not avoided in the bankruptcy case still remains.Under Chapter 7, a bankruptcy discharge may occur as soon as four months after the bankruptcy petition is filed with the clerk’s office.Under Chapter 12 or 13, the discharge occurs only after all payments under the plan which may be about four years after the bankruptcy petition is initially filed.\nWhat is the “means test” for filing Chapter 7 bankruptcy?\nIf the debtor’s income is more than the state median income, they must satisfy the “means test” (If their income is less than the state median income, then they may file for Chapter 7 bankruptcy).The means test takes the the debtor’s aggregate current monthly income over 5 years, net of certain statutorily allowed expenses, is more than (i) $11,725, or (ii) 25% of the debtor’s nonpriority unsecured debt, as long as that amount is at least $7,025.The debtor may rebut a presumption of abuse only by a showing of special circumstances that justify additional expenses or adjustments of current monthly income.Unless the debtor overcomes the presumption of abuse, the case will generally be converted to chapter 13 (with the debtor’s consent) or will be dismissed. 11 U.S.C. § 707(b)(1).\nWill I be required to appear in court?\nA typical Chapter 7 Debtor will usually not be required to appear in court.The Chapter 7 Debtor will only have to appear in court if an objection is filed.A Chapter 13 Debtor will usually only have to appear before the bankruptcy judge at a plan confirmation hearing. A debtor usually only has to appear at a 341 meeting.A 341 meeting is a usually held at the office of the U.S. Trustee.The meeting is required under Section 341 of the U.S. Bankruptcy Code and requires a Debtor to attend the meeting so the Creditors can ask the Debtor questions about debts and property.\nDo I need an attorney?\nCorporations, Partnerships, or any other association are required to have an attorney.Individuals can file bankruptcy without an attorney and go “pro per” or “pro se.”But, it is very difficult to do as the rules of bankruptcy are very complex. Parties are required to follow the rules and procedures of bankruptcy court whether or not they are represented by an attorney.\nWhat rules govern bankruptcy?\nArticle I, Section 8 of the United States Constitution authorizes Congress to enact laws related to bankruptcy. The rules and procedures for Bankruptcy proceedings in the United States are written in Title 11 of the United States Code. These rules are called the Federal Rules of Bankruptcy. Under the rules, the bankruptcy judge has jurisdiction to make all the decisions surrounding the bankruptcy case including eligibility and whether a debtor is entitled to a discharge. A large majority of the bankruptcy process is administrative. In certain cases (filed under Chapters 7, 12, and 13), a trustee carries out many of the administrative functions.\nWhat are the different types of bankruptcy?\nSix basic types of bankruptcy are allowed under the U.S. Bankruptcy Code.\nWhat is a Chapter 7 Bankruptcy?\nChapter 7, sometimes called Liquidation, allows for an orderly court-supervised procedure where a trustee takes over the assets of the Debtor, reduces them to cash, and distributes the funds to Creditors.This distribution to Creditors is subject to certain exemptions that the Debtor is entitled to.Generally in Chapter 7, there is little to no assets which are nonexempt.This means generally the Creditors will not receive anything under this Chapter.These are called “no-asset cases.”A Creditor will only receive a distribution from the Debtor’s estate if the case is an asset case and the Creditor has filed proof of the claim with the bankruptcy court. Usually, in Chapter 7 cases, the Debtor is an individual and will receive a discharge that releases the Debtor from personal liability for the debts. This discharge is usually received a few months after bankruptcy is initially filed.In order for a Debtor to qualify for relief under Chapter 7, the Debtor must qualify under a “means test.”If the income exceeds a certain amount under the “means test,” the Debtor is not eligible for relief under Chapter 7.\nWhat is a Chapter 13 Bankruptcy Case?\nChapter 13 is designed for a Debtor who has a regular source of income. Chapter 13 is preferred by most Debtors over Chapter 7 because it allows a Debtor to keep a certain asset (usually a house), and allows the Debtor to set up a “plan” to repay Creditors over a period of time (usually three to five years).Chapter 13 is also used by individual Debtors who do not qualify for Chapter 7 under the “means test.”The confirmation hearing is where the court either approves or rejects the Debtor’s repayment plan.In making its decision, the court looks to the requirements for determination under the U.S. Bankruptcy Code.Chapter 13 is different from Chapter 7 because the Debtor usually remains in possession of the property (usually the house), and makes payments to the Creditors for the duration of the payment plan.Also a difference from Chapter 7, is that the Chapter 13 Debtor does not receive a discharge until all the payments required under the plan are made.One other advantage is that the discharge under Chapter 13 is broader than under Chapter 7 (ie. more debts are eliminated).\nWhat is a Chapter 11 Bankruptcy Case?\nChapter 11 is normally used by commercial enterprises that wish to keep operating a business and repay Creditors through a debt repayment plan approved by the bankruptcy court.During the first 120 days, the Debtor has the exclusive right to file a plan of reorganization and provide Creditors with a disclosure statement that provides the Creditors with enough information to evaluate the plan. The bankruptcy court makes the ultimate decision to approve or reject the reorganization plan.Under the plan for reorganization, the Debtor can reduce its debts by discharging some or repaying only a portion of its obligation under the original debt.Under this Chapter, the Debtor undergoes a period of consolidation and leaves with a reduced debt load and reorganized business.\nWhat is a Chapter 12 Bankruptcy Case?\nChapter 12 is written specifically for farmers of fisherman. The procedures under Chapter 12 are very similar to those under Chapter 13. Under Chapter 12, the Debtor agrees to pay a portion of the Debtor’s debts under repayment plan (between three and five years).Like Chapter 13, under Chapter 12, there is also a trustee appointed to to disperse payments to Creditors.Under Chapter 12, a fisherman or farmer is able to continue operating a business while the repayment plan is carried out.\nWhat is a Chapter 9 Bankruptcy Case?\nA Chapter 9 bankruptcy allows for a municipality (city, town, county, school district or other public entity), to undergo a reorganization that is very similar to that available to commercial enterprises under Chapter 11. This Chapter is only available to municipalities.\nWhat is a Chapter 15 Bankruptcy Case?\nChapter 15 deals with corporate entities where a Debtor or a Debtor’s property is subject to the laws of the United States and one or more foreign states.\nWhat is bankruptcy?\nBankruptcy is a process where Debtors are given a fresh start from burdensome debts. It does this through a bankruptcy discharge which releases a Debtor from personal liability of certain debts and prevents Creditors from ever taking action against the Debtor to collect those debts.\nWhat rules apply to bankruptcies in District of Colorado Bankruptcy Court?\nThe procedures of bankruptcy are defined in the Federal Rules of Bankruptcy Court and the local rules.\nGunnison County Bankruptcy Court Location\nAddress: 721 19th St., Denver, CO 80202-2508\nPhone: Court–(720)904-7300, Atty ECF Help Desk–(720)904-7450, VCIS–(720)904-7419\nHours: 8:00am – 5:00pm Monday-Friday", "domain": "finance"}
{"url": "https://dispatch.rippling-ats.com/job/513720/controller", "date": "2022-12-03T02:55:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710918.58/warc/CC-MAIN-20221203011523-20221203041523-00579.warc.gz", "language_score": 0.9298625588417053, "token_count": 842, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__273019012", "lang": "en", "text": "We are looking for a future-focused leader who will use their financial and accounting expertise to lead Dispatch’s fiscal functions, helping drive continued revenue growth and cost reduction. You will lead a team of accounting/finance professionals to maintain financial records, communicate results to the company, establish budget controls, improve internal processes and identify ways to reduce expenses. You will also be responsible for preparing financial reports, testing internal controls and participating in special projects such as strategic partnership assessments and ROI analyses. We are looking for an individual that has an entrepreneurial spirit and does not hesitate to get hands-on, expert in accounting with strong financial analysis skills.\nIn this role, you’ll lead through change and maintain alignment through the communication of team and individual roles, goals, and expectations, and by providing real-time feedback. As a people-leader at Dispatch, you’ll continue building and retaining a high-performing team by being involved in the day-to-day and acting with a sense of responsibility, compassion, integrity, and forgiveness.\nThis is a full-time exempt (executive exemption) role that reports to the Chief Financial Officer.\nWhat You’ll Do\nLead a team of accounting/finance professionals; responsible for staffing/hiring, establishing goals and objectives, and mentoring and developing talent\nDevelop and manage accounting, budgeting and financial reporting processes\nOwn the end of year audit process and oversee external firms in the preparation of financial documents and tax filings, and the performance of audits\nPerform pro-actively details analysis of results and create action plans to improve business performance\nLead monthly accounting close activities and ensure compliance with local, state and federal government reporting requirements\nPartner with CFO and Dispatch leadership team to prioritize financial strategies that align with the growth plan of Dispatch\nCommunicate and present Dispatch’s financial results to relevant audiences including, but not limited to: board meetings, company and investor updates\nEstablish short and long-term action plans for operational efficiency, including revenue enhancement and/or cost saving opportunities\nEnsure account receivables and incoming payments are processed in compliance with Dispatch financial policies and procedures\nPerform other duties as assigned (to be less than 10% of your responsibilities)\nWhat We’re Looking For\nHigh degree of accuracy, care and attention to detail\nEthics & integrity\nAbility to quickly pivot as needed while consistently delivering results on time consistently deliver results on time\nCapability and desire to foster and encourage an inclusive environment\nCustomer service orientation and negotiation & problem solving skills\nMust be a positive, self-driven team-member with a desire to learn and grow\nCapacity to execute all job duties in alignment with Dispatch’s core values, mission, and purpose\nWhat You’ll Need\n8+ years professional experience in accounting/finance (required)\n3+ years of managing and leading teams (required)\nSolid understanding of GAAP, fair credit practices and collections regulations (required)\n2+ years experience as a Controller or Assistant Controller (preferred)\nBS/BA degree (in Accounting, Business or Finance) and/or MBA (preferred)\nEven if you don’t match 100% of the requirements, we still encourage you to apply so that we may possibly talk and see how you could still contribute to Dispatch in meaningful ways!\nDispatch is a technology-based company that redefines the way same-day deliveries are made in the B2B space. With our network of independent contractor drivers, Dispatch puts suppliers, businesses, and technicians in control of local deliveries with real-time tracking and transparency. We strive to deliver the best value and service to our customers every day.\nDispatch started in the Twin Cities, but is now in dozens of markets across the country. With all of this growth, we maintain a strong focus on our company culture. Dispatch operates on five core values: People First, Belief, Speed to Value, Driven to Deliver, and Transparency. If you connect with these values, we’d love to learn more about you!", "domain": "finance"}
{"url": "https://www.sheepfoldaz.org/your-gifts/cash-gifts/", "date": "2023-02-08T01:19:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500664.85/warc/CC-MAIN-20230207233330-20230208023330-00491.warc.gz", "language_score": 0.9047569036483765, "token_count": 186, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__166760059", "lang": "en", "text": "Thank you for choosing to support Sheepfold of Arizona as we share the love of Christ to women and children in Arizona through our ministry. Your gifts will help us continue to help victims of domestic abuse and violence reach restoration and hope. Please choose the option below to donate through our safe and secure payment processor. All gifts are tax deductible and are confidential. Thanks again!\nHow Can I Donate?\nMake your check payable to The Sheepfold of Arizona and mailed to:\nThe Sheepfold of Arizona\nPO Box 13316\nTucson, AZ 85732\nOne Time Donation\nPayPal securely processes donations for The Sheepfold of Arizona. You can complete your payment with just a few clicks. You can use your credit card or bank account.\nIf you’d like to make your gift a recurring monthly donation, PayPal allows for recurring donations.", "domain": "finance"}
{"url": "https://ccpatexas.org/membership-automatic-renewal/", "date": "2023-12-02T01:28:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100309.57/warc/CC-MAIN-20231202010506-20231202040506-00155.warc.gz", "language_score": 0.9002628326416016, "token_count": 1089, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__220010690", "lang": "en", "text": "Membership Automatic Renewal\nFor the convenience of our Members, CCPA has implemented an automatic renewal process for all subscriptions.\nBy subscribing to our services, you agree to the automatic renewal of your membership for subsequent billing cycles. Your subscription will be automatically renewed at the end of each billing period unless you choose to cancel it.\nWe will notify you via email before your membership renewal date, providing you with the opportunity to cancel or make any necessary changes to your subscription. If you do not cancel your subscription before the renewal date, your payment method will be charged automatically, and your membership will be extended for the next billing period.\nYou can manage your subscription and cancel the automatic renewal at any time by accessing your account settings on our website. To cancel your automatic renewal or change your payment method, you can log into your profile on the website, click the down caret by your name and select Account>Subscription. Payment information is available in the far right column.\nAt this time there is no option to renew your subscription early.\nWhen you sign up to become a member of CCPA, you must enter your personal information, including your payment information on the Website. The payment information is transmitted to our Payment Processor (STRIPE) securely using 256-bit encryption. CCPA does not store any payment information locally. For more information on how we handle payment information, you can read the Credit Card Transactions Policy below.\nCredit Card Transactions Policy\nEffective Date: [June 30, 2023]\nThis Credit Card Transactions Policy (“Policy”) outlines the guidelines and terms for credit card transactions performed on the CCPA member website (“Website”). This Policy aims to ensure the security, privacy, and integrity of credit card information and to provide a positive user experience for our members. By using our Website and engaging in credit card transactions, you agree to comply with this Policy.\nConfidentiality and Security\n2.1. Confidentiality of Credit Card Information\nWe prioritize the confidentiality and protection of credit card information provided by our members. Any credit card information entered on our Website will be handled securely, following industry best practices and applicable laws and regulations.\n2.2. Data Security Measures\nWe employ appropriate technical and organizational measures to safeguard credit card information against unauthorized access, disclosure, alteration, or destruction. These measures include, but are not limited to, encryption, firewalls, secure socket layer (SSL) certificates, access controls, and regular security audits.\n2.3. Storage and Retention\nCCPA does not store any credit card information.\n3.1. Authorized Payment Gateways\nWe partner with STRIPE to process credit card transactions on our Website. You can read about how STRIPE handles security here Security at Stripe. STRIPE stores credit card information for as long as necessary to fulfill the purposes outlined in this Policy or as required by law. A PCI-certified auditor has audited STRIPE and determined that it meets the criteria for a certified PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry. To accomplish this, STRIPE uses the best-in-class security tools and practices.\nSTRIPE payment processing is used by many industry leading companies including: Amazon, IBM, Toyota, Shopify….You can read more by following this link STRIPE customers\n3.2. Transaction Verification\nAll credit card transactions are subject to verification and review by STRIPE and relevant financial institutions. We reserve the right to delay, suspend, or cancel transactions if we suspect any fraudulent activity or if it violates our terms of service.\n4.1. Accurate and Up-to-Date Information\nMembers are responsible for providing accurate and up-to-date credit card information when engaging in transactions on our Website. It is the member’s obligation to promptly update any changes to their credit card details to ensure uninterrupted service.\n4.2. Unauthorized Use\nMembers must not use credit cards without proper authorization or engage in any fraudulent activities. Any unauthorized use of credit card information is strictly prohibited and may result in legal action.\n4.3. Safe and Secure Environment\nMembers are responsible for maintaining the security of their devices and ensuring that they access the Website through secure and trusted networks. It is advised to use secure passwords, enable multi-factor authentication, and promptly report any suspicious activity related to credit card transactions.\nIn the event of a dispute related to credit card transactions, members should contact us immediately. We will make reasonable efforts to address and resolve the dispute in a timely and fair manner, following applicable laws and regulations.\nAmendments to the Policy\nWe reserve the right to modify or update this Policy at any time to reflect changes in technology, legal requirements, or business practices. Updated versions of the Policy will be posted on our Website, and it is the member’s responsibility to review the Policy periodically.\nIf you have any questions, concerns, or feedback regarding this Policy or credit card transactions on our Website, please contact us at firstname.lastname@example.org or by using the Contact Us form on the website.\nBy using our Website and engaging in credit card transactions, you acknowledge that you have read, understood, and agree to comply with this Policy.", "domain": "finance"}
{"url": "http://www.time-makers.co.uk/insurance.php", "date": "2013-05-25T10:57:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368705936437/warc/CC-MAIN-20130516120536-00094-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9145408272743225, "token_count": 263, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__83575907", "lang": "en", "text": "If you only renew your car and home insurance every year without finding the best deal, then Time-Makers insurance search service is just for you.\nFrequently, customers who only renew their policies each year are not getting the best price.\nDid you know that comparison sites like Compare the Market.com only search a percentage of the market, or that major companies such as Direct Line and Aviva do not even appear on these sites? We know!\nOur search will give you the three cheapest options to help you make a decision.\nSimply contact us and we will send you an enquiry form to fill in with your details or you can call us on 01928 725398 and we will collect your renewal notice and work from that.\nCar Insurance: £25\nSearches 175 companies and brokers including Direct Line and Aviva.\nHouse & Contents Insurance: £30\nSearches 105 companies and brokers including Direct Line and Aviva.\nTime-Makers also search Holiday, Pet and Mobile Phone Insurance. To find out how we can save you money, call us today on 01928 725398.\nWe promise that if we can’t save you money on your insurance quote then Time-Makers won’t charge you a penny!", "domain": "finance"}
{"url": "https://www.cavershambooksellers.com/search/1459416562", "date": "2022-05-27T02:17:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662631064.64/warc/CC-MAIN-20220527015812-20220527045812-00630.warc.gz", "language_score": 0.939536452293396, "token_count": 1183, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__231363418", "lang": "en", "text": "Canada is a rich country getting richer. But over the past 20 years, a huge portion of the country’s wealth increase has gone to a small handful of the super-rich. Canada’s one per cent have seen their share of Canada’s wealth grow by almost six times since 1999 to $2,203,000,000,000 USD today. Meanwhile, half of all Canadian families experience income insecurity and can’t get the support they need from ever-shrinking public services.\nCanada’s super-rich gained $76 billion during the 12 months after COVID-19 hit. Canadians are ready for measures that would distribute wealth more fairly, and give governments the funds to pay for pharmacare, improve long-term care, take serious climate action, implement paid sick leave and more. But the Liberal government took no serious measures in its 2021 budget to tackle this issue.\nPolicy experts Jonathan Gauvin and Angella MacEwen show exactly how Canada’s wealth can be more fairly shared with measures that would impact only the one per cent: a wealth tax, higher taxes on the highest incomes, higher taxes on large corporations and higher taxes on big profits coming from capital gains. They also propose measures to shut down tax loopholes and tax havens and to tax web giants. This book shows how we can share the wealth so everyone will be better off — even the richest.\n\"Their text is clear, chock full of the latest statistical data, and carefully pitched to a general audience.\"\n— John Cruickshank, Literary Review of Canada\n“With wealth concentration reaching staggering levels in Canada, polls show broad support for a wealth tax but lots of opposition from the elite. This easy-to-read book explains why. Share the Wealth makes a compelling and convincing case that Canadians would benefit enormously from an end to ‘wealth hoarding’ in Canada.”\n— Linda McQuaig, author of The Sport & Prey of Capitalists\n“How will governments raise revenues to pay for improved public goods and services in a post-COVID economy? There is a broad policy consensus that a more sustainable, resilient and inclusive economy will require a more progressive approach to income and wealth taxes. Gauvin and MacEwen have done an excellent job summarizing the literature and arguments. Read this book.”\n— Kevin Page, President of the Institute of Fiscal Studies and Democracy, University of Ottawa, former Parliamentary Budget Officer of Canada\n“Gauvin and MacEwen believe that we do not have to live in a Canada where those at the top get growing incomes, and lower taxes, while everyone else puts up with income stagnation and public service cuts. The inequality of COVID-19’s impacts only heightens the urgency of their proposals for fairer taxes and better policies. A book that deserves to be widely read.”\n— Lars Osberg, Professor of Economics at Dalhousie University, author of The Age of Increasing Inequality, former president of the Canadian Economics Association\n“A splendid book. The writing is lucid and precise and the thinking cogently persuasive. The authors show how a series of tax cuts favouring the rich and corporations by governments, from Jean Chrétien and Paul Martin to Stephen Harper, left us with great inequality and $50 billion a year short to fund needed social programs. Their analysis shows precisely how the tax system favours the rich at the expense of the rest of us. And they provide solutions!”\n— Ed Broadbent, chair of the Broadbent Institute and former leader of the NDP\n“Angella MacEwen and Jonathan Gauvin pool their considerable knowledge into a well-researched and logical argument in favour of a wealth tax and other fiscal tools to reduce inequality. Their book is a timely exploration of the most troubling economic fallout of the pandemic, tackling myths and proposing solutions with rigour.”\n— Heather Scoffield, Toronto Star economics columnist and Ottawa Bureau Chief\n“Share the Wealth details the consequences of inequality and shreds common propaganda against wealth and corporate taxes in this accessible guide on why these taxes are necessary—urgent, even, especially in the shadow of COVID-19—to transform Canada into a healthier, kinder, and fairer nation.”\n— Meghan Bell, author of “I'm Part of the 0.1 Percent and I Want a Wealth Tax” in The Walrus\n“In Share the Wealth, authors Gauvin and MacEwen...envision a more just future offering specific, clearly articulated policy proposals to help us (re)learn how to share our wealth. This is very much the right book for this moment in Canadian history.”\n— Daniel Hoyer, member of Resource Movement\nAbout the Authors:\nJonathan Gauvin has been the federal NDP’s Director of Policy since December 2017 and contributed to the drafting of the NDP’s election platform in 2019. Prior to that, he was an issue coordinator in the NDP leader’s office. He holds degrees from the University of Ottawa and l’Université Laval. He’s a political buff who deeply wishes to build a better world for everyone, especially his two children. He lives in Gatineau, Quebec.\nAngella MacEwen is a senior economist with the Canadian Union of Public Employees (CUPE), a policy fellow with the Broadbent Institute and was an NDP candidate in the 2019 federal election. Angella writes a quarterly publication with CUPE, Economy at Work, which examines fiscal and social policy for workers. She holds a MA in Economics from Dalhousie University. She lives in Ottawa, Ontario.", "domain": "finance"}
{"url": "https://www.jon-kingsbury.com/2010/05/05/home-insulation-is-it-worth-the-cost/", "date": "2018-10-18T06:41:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583511744.53/warc/CC-MAIN-20181018063902-20181018085402-00088.warc.gz", "language_score": 0.9827896952629089, "token_count": 384, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__158961952", "lang": "en", "text": "A friend of mine had his house fully insulated last year for cheap money (after rebates and tax credits) and saved quite a bit on his heating bills. At this time the state is willing to pay 75% (up to $2,500) of the costs. So today I had an energy home assessment and I must say, this was well worth it.\nAt first I was a little worried about having to come up with a lot of money up front, however that was not the case. Mildred was very helpful and she even replaced all of my old bulbs with high-efficiency bulbs at no cost to me. She installed new installation on all of my exterior doors at no cost. So far, she has saved me quite a lot of money on hardware and future utility bills.\nAfter she measured and evaluated my current energy plan, she estimated that it would cost $2281.60 to insulate my entire house. Since “Mass Save” will pay 75% of the costs up to $2,500, that leaves me with a bill of 25% or $570.40.. not too bad. Not only that, when it comes time to do your taxes, you can write off your cost (after rebates) on your taxes and the Government will refund you 30%. So 30% of $570.40 is $171.12. All-in-all, this will only cost me $399.28 to insulate my entire house!\nAfter her energy assessment, the estimated annual savings on heating/cooling bills are $451.84/year. Literally, it will take less than 1 year to make up the difference, which is well worth it.\nSo if you live in Massachusetts, I would highly recommend that you take advantage of the current energy tax credits and rebates. You will save yourself a lot of money in the long run!", "domain": "finance"}
{"url": "https://coinsme.biz/5-best-cryptocurrency-trading-apps-for-2020/", "date": "2020-10-29T20:40:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107905777.48/warc/CC-MAIN-20201029184716-20201029214716-00074.warc.gz", "language_score": 0.935492217540741, "token_count": 770, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__12388017", "lang": "en", "text": "Notwithstanding the widespread criticism about the notorious volatility of cryptocurrencies, these continue to gain in popularity. No surprises then why more and more first-time investors are slowly taking baby steps into the crypto world. For these investors, crypto trading apps can be a huge help allowing them to conduct their initial trades smoothly. Visit https://bitcoinupapp.com/ to go through an authentic review of an automated bitcoin trading app. Here are some of the best-known crypto trading apps today:\n- Coinbase Trading App: Coinbase is unarguably one of the biggest and most reliable cryptocurrency exchanges out there and it has come out with a feature-rich trading app that can be linked to your bank accounts directly. So, the app features like credit and debit card payments, SEPA transfers, etc. You will find this app supported in multiple countries and the app in turn supports multiple cryptocurrencies like Ethereum, Bitcoin, ZEC, BCH, Litecoin, etc. You can use features like instant price alerts, auto-buying, insured BTC deposits, etc for building a strong portfolio. Coinbase is also one of the most rusted crypto platforms today because of its high-end security provisions that safeguard nearly 98% of digital assets stored in offline wallets and servers. The dashboard is user-friendly, displaying real-time prices of assets.\n- KuCoin Trading App: This is a relatively new exchange which started operations in 2017. Since then it has been performing without glitches and has gained much popularity as a result. It is an established name in the crypto world and buying your preferred crypto assets using credit cards is a cakewalk here. It provides easy navigability, a manageable user interface and is perfect for even first-timers without any prior expertise in handling crypto trading apps. The KuCoin app offers exciting features like real-time market analysis, price alerts, candlestick charts, etc for better portfolio management. There is a multi-layer security mechanism offering 2FA, instant login alerts, and anti-phishing safety phrases. KuCoin also boasts of round-the-clock assistance and customer service superior to its competitors.\n- Binance Trading App: Binance is one of the leading crypto exchanges today and is a Malta-based trading platform available as apps for both Android and iOS operating systems. Besides the Bitcoin and Binance Coin or BNB, its own homegrown coin, it also supports multiple altcoins. The app is feature-rich and supports futures trading and XRP margin trading. You can benefit from its trading tools, alerts, and charts and create a healthy portfolio. It offers multiple wallet options and an overwhelming number of crypto coins.\n- Gate.io Trading App: This app is the product of a US-based exchange and has attracted traders because of its simplistically-designed user interface. It can cater equally to amateur and professional traders, offering simple trading tools for beginners, and advanced functionalities for the professionals. There are stop loss order, limit order, buy-and-sell order functions, price alerts, on-chain activity alert; the app also supports margin trading, lending and storing of crypto coins. It offers a multi-language UI, real-time charts, ticker alerts, forked coins of various cryptocurrencies, instant deposits and withdrawals, multi-mode customer support, etc.\n- CEX.io Trading App: This began as an exchange in 2013 and is one of the oldest in the crypto world. It has a mobile trading app that offers a satisfying user experience and works with all devices. It supports prime cryptocurrencies and fiat ones like EUR, GBP, and USD. You can benefit from its user-friendly interface, real-time market data, instant purchase, order history, limit orders, instant deposits and withdrawal features etc. You can count on 24×7 customer support.", "domain": "finance"}
{"url": "https://nussbaumspeir.com/the-sba-addresses-religious-liberty-concerns-around-coronavirus-related-government-aid/", "date": "2022-12-03T10:05:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710926.23/warc/CC-MAIN-20221203075717-20221203105717-00552.warc.gz", "language_score": 0.9469519257545471, "token_count": 1015, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__146176591", "lang": "en", "text": "Article written by Ian Speir\nOn April 1 last week, we cautioned religious organizations about accepting coronavirus-related government aid, such as Paycheck Protection Program (PPP) loans under the CARES Act or Economic Injury Disaster Loans (EIDL), both administered by the Small Business Administration (SBA). We were concerned that such aid would impose or enhance federal nondiscrimination mandates on churches and ministries, especially since recent legal trends have favored a broad construction of these mandates and a narrow compass for their religious exemptions.\nOn Friday night, April 3, the SBA issued guidance that clarifies some of these religious liberty concerns. The guidance, in the form of “Frequently Asked Questions” or “FAQ,” offers some assurance that accepting PPP or EIDL loans doesn’t jeopardize an organization’s religious identity and values.\nReligious freedom retained: The FAQ says that religious organizations do not give up their religious autonomy or First Amendment rights by accepting a PPP or EIDL loan. In its broadest, most liberty-friendly statement, the FAQ notes, “[A] faith-based organization that receives a loan will retain its independence, autonomy, right of expression, religious character, and authority over its governance, and no faith-based organization will be excluded from receiving funding because leadership with, membership in, or employment by that organization is limited to persons who share its religious faith and practice” (p.2).\nTime-limited obligations: The FAQ confirms that accepting a PPP or EIDL loan “constitutes Federal financial assistance and carries with it the application of certain nondiscrimination obligations” (p.2). But according to the FAQ, those obligations “are not permanent, and once the loan is paid or forgiven, those nondiscrimination obligations will no longer apply.” So, if a religious organization becomes subject to new mandates as a result of taking federal aid, those mandates apply only to the time period of the loan. Recipients can limit their legal exposure by repaying or obtaining forgiveness of the loan as quickly as possible.\nNo additional restrictions on use of loan funds: Prior to the above clarification, we had some concern that using SBA loan proceeds for expenses related to long-term assets – like rent payments or mortgage interest for real estate – might impose long-term federal obligations tied to those assets. The FAQ eliminates that concern. It also makes clear that religious organizations can use loan proceeds “to pay the salaries of ministers and other staff engaged in the religious mission” (p.2). Of course, more general restrictions – such as no loan forgiveness for non-payroll expenses that exceed 25% of the total loan amount – continue to apply.\nThese are welcome clarifications from the SBA. But churches and ministries should still keep a few things in mind:\nThe FAQ is not a regulation. This means it carries less legal weight than a regulation. Courts tend to defer to agency interpretations in formally issued regulations. They tend not to defer when agency guidance is less formal, like this FAQ. (By way of contrast, also on Friday night, the SBA issued a regulation called an Interim Final Rule (IFR) that addresses how the SBA’s affiliation rules apply in ecclesiastical contexts, such as the relationship between a diocese and its parishes. This IFR will be accorded more judicial deference than the FAQ.)\nNarrow interpretation of the religious exemption: As the FAQ highlights, the SBA’s nondiscrimination rules, similar to Title VII, contain an exemption permitting a religious organization to employ “individuals of a particular religion to perform work connected with [the organization’s] religious activities.” 13 C.F.R. § 113.3-1(h). This exemption ought to permit religious organizations to select employees who share their religious beliefs and practices. But some courts have interpreted the exemption more narrowly to prohibit employment policies that discriminate on the basis of sex. And the term “sex” not only means male-female differences and pregnancy; it also may include sexual orientation, gender identity, and reproductive health decisions like abortion, contraception, and infertility treatments. This is an area where the law remains in considerable flux.\nState law mandates: The FAQ does not (and cannot) resolve how state laws may apply to recipients of government aid. But the FAQ supplies a good basis to argue that any state law mandates should likewise apply, if at all, only to the time period for which a PPP or EIDL loan remains outstanding.\nWe emphasize again that every organization must decide for itself whether it’s wise to accept the government’s assistance amidst the unprecedented crisis brought on by the COVID-19 pandemic. And every situation is different, so consult with legal counsel for advice in your particular circumstances.", "domain": "finance"}
{"url": "https://swipe-tech.com/en/clover-go", "date": "2024-03-03T00:49:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476137.72/warc/CC-MAIN-20240302215752-20240303005752-00601.warc.gz", "language_score": 0.9230789542198181, "token_count": 204, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__179744553", "lang": "en", "text": "Benefits for Business\nClover® Go, you can securely and reliably accept both credit and debit cards – including EMV® chip cards –right from your personal smartphone or tablet. And it comes with clear, intuitive reporting on sales activity, along with powerful insights to help your business grow.\nReady right out of the box. Just charge, plug in and use with your iOS or Android device.\nAll you need, at your fingertips with custom tip and tax rates, permissions for employees, transaction history and the ability to email or text receipts.\nGoes where your business takes you, flexibly accepting both EMV® chip and ‘swipe’ card payments.\nEMV® chip cards help reduce fraudulent activity, and your transactions are backed with CloverTM Security data protection.\nClover® dashboard features and useful Insighticsdata that helps you see how your business compares to businesses like yours, and manage your business.\n24×7 care and support are there when you need them.", "domain": "finance"}
{"url": "https://safehavenorphanage.org/support-us/", "date": "2023-12-01T17:02:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100290.24/warc/CC-MAIN-20231201151933-20231201181933-00624.warc.gz", "language_score": 0.9321588277816772, "token_count": 676, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__176597921", "lang": "en", "text": "We greatly value your support and rely solely on personal donations made by generous donors to run the orphanage. Every contribution helps and is hugely appreciated. It only costs a relatively small amount of money per month to feed and clothe the children, as well as pay for their education. The other main costs of running the orphanage go on things like building repairs, prevention of Malaria and other diseases prevalent in the area, and general hospital bills and medical treatment.\nOption 1: Donate online with PayPal or credit/debit card – our preferred option\nYou can now donate online using your PayPal account or credit/debit card – to do this, please click on the ‘Donate‘ button on the left. PayPal charges a fee of 3.4% of the donated amount + $0.30 per transaction. On top of that they also charge another 2.5% on the currently listed exchange rate when doing the currency conversion. Therefore, if you are wanting to donate larger amounts, please consider using one of the other donation options listed below which may be more economical.\nOption 2: Donate by bank transfer/wire transfer\nWire Transfer will cost approximately $40 USD and can be sent to:\nBank: BANGKOK BANK\nBranch: Mae Sot\nAccount Number: 960-0-04411-0\nAccount Name: Safe Haven Orphanage\nSwift Code: BKKBTHBK\nOption 3: Donate by check/cheque\nPlease make checks/cheques payable to Tasanee Keereepraneed and send to:\n32/15 Mae Sot – Mae Tao Road,\nMae Sot, Tak\nPlease note: We only prefer checks/cheques for amounts of greater than $400 USD. The banks usually charge $10 – $15 USD for international checks/cheques and take approximately 1 month (sometimes longer) to clear.\nFor smaller donations, please consider donating online using PayPal, credit or debit card.\nHow far your gift goes\n- $6 USD buys one case of milk.\n- $30 USD buys 45kg (100 pounds) of high grade, nutritious rice – always needed.\n- $50 USD buys enough fruit/vegetables to feed 60 children for a week.\n- $600 USD sponsors a child to attend the local Thai public school including transportation, uniforms, school materials and tuition for one year\nDonate other things\nIn regards to sending things to the children, we appreciate your good intentions and we understand that sending items has more of a ‘feel good’ factor to it than just sending money which may seem more impersonal, but just a few things to keep in mind:\n- Depending on the size of the packages being sent, postal costs can be quite high and that money could be better spent on actual items for the children.\n- In many instances, items such as clothing, school stationery, toiletries, food etc… can be purchased locally much cheaper than in the west.\n- We have had problems in the past with donated items being held by customs in Thailand. The process seems to be quite random and even though we are a legally registered charity in Thailand we’ve still ended up paying large amounts of money to have donated items released.", "domain": "finance"}
{"url": "https://thetechdollar.com/ways-to-make-extra-money", "date": "2024-04-13T00:02:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00406.warc.gz", "language_score": 0.9534275531768799, "token_count": 2599, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__60227069", "lang": "en", "text": "Growing your finances is no doubt why the majority of readers come to The Tech Dollar for ideas. Earning extra money is vital these days because situations can change as we’ve seen at a moments notice.\nWhether it's making a little extra spending money or making life changing money, growing financially in every way possible is always beneficial.\nRather than having to wait for the next check you can take matters into your own hands by making extra money through some of the suggestions from this post.\n1. Paid Online Surveys\nMany people don't know that the most popular survey companies like Survey Junkie, InboxDollars, and Swagbucks actually pay people for their honest opinions. These paid surveys help influence new products that are released to the public.\nThis is a quick and easy way to earn an extra $50 this month. You can pick your favorite survey company or you can try them all.\nOther Survey Companies:\n- Vindale Research\n- Pinecone Research\n- American Consumer Opinion\n- Panda Research\n- Opinion Outpost\n- Survey Club\n- Product Report Card\n2. Start a Blog\nBlogging is something that can change your life if you take it seriously. It requires time and effort but the payout can mean financial freedom.\nYou can make a simple blog using WordPress and set up webhosting with a service like bluehost for cheap. Many bloggers make 5 - 6 figures each month!\n3. Photo Editing\nWhether you're doing simple tweaks of images or full on high end beauty retouching, there is a lot of money to be made in the photo editing world.\nEvery magazine you see has someone who retouched those photos and is most likely earning a good income doing so. It's a great way to earn extra money.\n4. Freelance Writing\nIf you love writing then becoming a freelance writer is an option. For the millions of blogs online there needs to be good writers to push out quality content.\nThis is something you can turn into a full on business with blogs that continuously come to you for your services. You can even write for large companies and find yourself on the front page of Yahoo.\nPostmates is a popular delivery app that not only can get you paid to bring food to people, but you can get paid to deliver whatever they may need. This can be a perfect side hustle.\nEarn extra money by being a Lyft driver. Lyft is a competitor of Uber and is preferred by some people. They both do the same things which offer rides to people. Be sure to smile in order to receive the biggest tips.\n7. Pet Sitter\nUsing Rover, whether you are a teenager in highschool or an adult who just wants to make extra money, pet sitting is always a great option. Not everyone has time to always be with their pet, so they will pay you for it.\nYou can establish regular customers and there are many pet sitters who make a full-time income from this creative side hustle.\nDo you have a skill? And I mean any skill. You can make extra money through being a consultant and sharing your knowledge in whatever area of expertise you have.\nYou can set up a simple website with SquareSpace and begin consulting easily. Charge according to the demand and watch the clients roll in.\n9. Playing Mobile Games for Cash\nIf you download AppStation you can actually earn cash from playing mobile games. This is great if your on a long trip and you have some free time to spare.\n10. Sell Promotional Webpages\nYou don't have to be a computer genius to build simple websites with HTML and CSS. You can learn these skills in a couple of weeks and make extra money selling promotional websites for local business.\nUdemy is a popular app where you can make extra money selling courses online. From teaching people how to draw to teaching them trigonometry, the options are endless for online classes using Udemy.\nMake extra money with Instacart to do peoples grocery shopping for them. This is incredibly in demand because it is something that we all need but not something that everyone enjoys doing. So why not get paid for it?\nDoorDash is another popular food delivery app. You can pick your hours and use a car, bike, or even walk as long as you deliver the food in a timely manner.\n14. Video Editing\nWith content creation becoming more popular you can make extra money by editing videos. Many youtubers are very popular and don't have the time to edit their own videos. This is the perfect opportunity for you to earn cash.\n15. Sell Meals\nIf you're great in the kitchen, this skill is an instant money maker. Set up a social media account and show off your meals, then begin to take orders throughout the day. Some people cook for fun and by doing this you can make money at the same time.\nAre you the type who can fix anything? You are extremely valuable in today's time because people hate doing things by themselves or they just don't know how. Being a versatile handyman is an excellent way to make extra money. You can even turn it into a full blown business.\n17. Tour Guide\nIf you live in an area that has a ton of tourism you can make extra money by showing out of towners around your beautiful city. You can offer them a unique experience that they otherwise would not have had. You can meet new people while making cash at the same time.\n18. Become an Au Pair/babysitter\nAn Au Pair or international babysitter gets paid to watch children. Many times this job will take you to new countries and it's all paid for. If you want to see the world and make extra money give this a try.\nMake extra money editing anything from blog posts, books, magazines, and much more. This is a necessary task that many don't want to do so take advantage.\n20. Virtual Assistant\nA virtual assistant gets paid to basically do anything that a company needs them to do. This job is often online and you have constant communication with your employer.\n21. Garage Sale\nMake extra money using garage sales. Sale old clothes, games, furniture, art, and anything else you want to make money off of.\n22. Sell E-books\nIf you don't feel like writing an entire book, why not write e-books. You can write about any subject that is valuable to your readers. If promoted correctly you can make a lot of money from online e-books.\n23. Sell Clothes\nIf you’re not using old clothing don't let them go to waste. Clean them and sell them while you still can to make extra money.\nPhotography is a hobby for many but it can quickly become a profitable side hustle. You can make thousands from shooting weddings and gatherings. The possibilities are endless for a good photographer.\n25. Browse the internet\nYou can earn money just by surfing the web using Swagbucks. Use their browser extension on your computer and start to make extra cash easily.\n26. Earn Online Rewards\nUse InboxDollars to stack up rewards and then redeem them when you earn enough to gain different prizes and cash.\n27. Graphic Designer\nIf you're good at graphic art and know how to use tools like photoshop you can make extra money as a graphic designer and work remotely from anywhere in the world.\nAnimated series need great artists/illustrators. This can be a great freelance gig for those who are gifted artists.\n29. Sell Logos\nUsing programs like Photoshop and Illustrator you can make logos for companies and do branding. This is easy once you get used to it. You can easily make 10 logos in a day and if you charge $100 each…. I'll let you do the math.\n30. Run Facebook Ads\nMarketing is essential in running a successful business. You can use this skill to run facebook ads for companies and websites to help them gain sales and traffic.\nRead electronic or other forms of publications to find and correct production errors of text or art. Proofreading is the final step in the editorial cycle.\n32. Social Media Manager\nThere are businesses who are on multiple social media platforms and they need someone to manage these and to make frequent posts. This is great for extra money.\nIf you really have a love for writing, story telling, or giving awesome advice you should consider becoming an author. A best selling author can make tons of money.\n34. Renting Your Car\nMake extra money by renting your car with an app like Turo. If you have more than one car this is an ideal way to start a side hustle.\nBecome an online tutor to make extra money. There are many websites where you can sign up to teach kids or anyone else new skills and help them to grasp concepts.\n36. Data Entry\nThere are companies with tons of data and they just need someone to enter it into a computer since they don't want to do it. If you like computers this can be a great way to make extra money.\nMake money dropshipping by selling goods without the need to keep your own inventory of items. Simply send them straight from the manufacturer to your customer.\n38. Start a Podcast\nIf you like to talk about interesting subjects you can make extra money with a podcast. Just make sure to have a decent microphone and your good to go.\nContent creation is becoming one of the best ways people are making money these days. Creating a youtube channel is perfect for this. If you're interested and want to speak to the world about your life, give youtube a try.\nEarn extra money by keeping track of expenses for businesses. This is important for tax reasons and you can earn a good income from bookkeeping.\nDo you have a lot of money just sitting around not being useful? You can invest your money to help it grow. There are many apps that can invest your money automatically for you.\n42. Pet Grooming\nMake extra money by washing other people's pets. If you're a pet lover this is a valuable side hustle to start.\nGood barbers are hard to find and once people trust you, they can be your customer for life. People take their haircuts seriously and will pay you to help them look good. You can also make great money off tips.\n44. Sell Art\nEarn extra money from selling paintings and other art pieces. With a reputation you can make thousands from selling your art.\n45. Personal Trainer\nHelp people get in the best shape of their lives by becoming a personal trainer. You can do this job from anywhere in the world. People always need a good trainer.\n46. Motivational Speaker\nThere are people who need advice and motivation to reach their goals and dreams. You can encourage them by becoming a motivational speaker. Make extra money to speak to small or large crowds.\n47. Home Cleaner\nThere are people with huge homes and they need them cleaned regularly. With a couple of clients you can establish a cleaning business to make extra money.\n48. Maintain lawns and Gardens\nMaintaining peoples grass and gardens is a needed job. Start your own lawn mowing business and make extra money.\n49. House Sit\nSome people want their house guarded when they are out of town. They may need you to watch their pets and make sure nobody tries to come into their home when they are gone.\n50. Hair Stylist\nMost people, especially women, take their hair styles very seriously and will pay big bucks for a reliable hair stylist so take advantage of this to make extra money.\nAlways New Ways To Make Extra Money\nIf you're finding it hard to make extra money with a side hustle don't give up. Hopefully this list was able to help you see some of the things you can do.\nLook at all the skills you have and put them to good use. Everyone has unique talents about them. It's just time to monetize what makes you unique.\nJoin our community of like minded goal seekers", "domain": "finance"}
{"url": "https://www.1linetech.com/technology-news/carpenter-technologys-earnings-disappoint-analysts-berks-regional-news-wfmz-allentown/", "date": "2020-04-06T04:09:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371618784.58/warc/CC-MAIN-20200406035448-20200406065948-00262.warc.gz", "language_score": 0.946161687374115, "token_count": 1030, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__25646234", "lang": "en", "text": "PHILADELPHIA – More than most people, stock analysts don’t like surprises. So, when Carpenter Technology, which has several manufacturing facilities in Berks County, missed stock analysts’ fiscal 2020 second quarter earnings projections by $0.04 per share, Wall Street wasn’t happy.\nThe stock was down 3.40% at the end of Thursday’s trading on the New York Stock Exchange.\nMore trouble could be ahead. Carpenter is a supplier for the grounded Boeing 737 MAX.\n“In the near-term, we are actively evaluating and executing on opportunities to mitigate the impact of the Boeing 737 MAX supply chain disruption,” said Tony Thene, Carpenter’s president and CEO. “We believe we can partially mitigate the impact to our business through our broad sub-market participation and by leveraging our diverse portfolio of leading applications across other attractive end-use markets.”\nAlthough stock analysts are upset, management should be largely pleased. Net sales for the second quarter of fiscal year 2020 increased to $573 million compared with $556.5 million in the second quarter of fiscal year 2019, an increase of $16.5 million, or 3%, on 7% lower volume.\nOperating income was $55 million in the second quarter, compared to $59.8 million in the first quarter and $55.4 million in the second quarter of fiscal 2019.\nNet income for the fiscal second quarter was $38.8 million, compared to $35.5 million the previous year. Diluted earnings per share (EPS) were $0.79 in the quarter compared to $0.73 in the second quarter of fiscal 2019.\n“Our second quarter results reflect a continuation of our consistent year-over-year earnings growth, backlog expansion and record operating performance at SAO,” said Thene. “Operating income at SAO (specialty alloys operations) reached its highest level on record as we continue to drive a richer product mix by prioritizing higher-value solutions across our end-use markets. In addition, customer activity at our Athens facility remains high and we received four vendor approved process (VAP) approvals this quarter.”\nThe second quarter marked our 12th consecutive quarter of year-over-year sales growth and backlog growth.”\nBusiness segment results\nCarpenter has two reportable segments, specialty alloys operations (SAO) and performance engineered products (PEP).\nThe SAO segment is comprised of Carpenter’s major premium alloy and stainless steel manufacturing operations. This includes operations performed at mills primarily in Reading and Latrobe, Pennsylvania, and surrounding areas, as well as South Carolina and Alabama.\nIn the fiscal second quarter, SAO sold 56,564 pounds of product. Net sales were $483 million in the quarter compared to $461.6 million the previous year. Operating income for SAO in the quarter was $76.3 million compared to $69.0 million in fiscal 2019 second quarter.\nThe PEP segment is comprised of the company’s differentiated operations. This segment includes the Dynamet titanium business, the Carpenter powder products (CPP) business, the Amega West business, the Carpenter additive business and the Latrobe and Mexico distribution businesses. The businesses in the PEP segment are managed with an entrepreneurial structure to promote flexibility and agility to quickly respond to market dynamics.\nIn the fiscal second quarter, PEP sold 3,424 pounds of product. Net sales were $106 million in the quarter, compared to $112.9 million the previous year. Operating income for PEP in the quarter was $0.4 million compared to $4.4 million in fiscal 2019 second quarter.\nEnd-use market results\n“We generated double-digit year-over-year revenue growth in the aerospace and defense end-use market as our leading solutions, sub-market diversity, and participation on practically all major industry platforms continue to drive strong performance,” Thene commented. “In addition, sales in the medical end-use market increased double digits compared to last year as demand for our high-value solutions remains high.”\nAerospace and defense net sales grew from $234.1 million in fiscal 2019 second quarter to $278.8 million this quarter. Medical and transportation net sales also grew in the quarter, from $38.4 million to $43.5 million and from $29.4 million to $30.6 million, respectively.\n“Longer-term,” Thene said, “we continue to place strategic emphasis on advancing our leadership in emerging technologies and best positioning Carpenter Technology for sustainable growth. We recently opened our Emerging Technology Center on our Athens campus and customer collaborations around additive manufacturing are accelerating. The construction of our hot strip mill on our Reading campus remains on target and will enable us to further capitalize on our soft magnetics solutions portfolio and the anticipated growth associated with expanding electrification initiatives across multiple markets.”", "domain": "finance"}
{"url": "http://epsilonhi.com/", "date": "2022-01-20T22:12:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320302706.62/warc/CC-MAIN-20220120220649-20220121010649-00306.warc.gz", "language_score": 0.9678052663803101, "token_count": 241, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__145519220", "lang": "en", "text": "Epsilon Health Investors is a healthcare-focused strategic investor, supported by and organized for a consortium of five leading regional not-for-profit health systems, working collaboratively to identify, validate, invest in, and grow innovative healthcare companies.\nWe invest in companies at a range of maturities in areas of need for our member systems.\nOur member systems are actively involved at every step of the investment process. Member systems help source and diligence investments, guide investment decisions, and may pilot products. Ultimately, members look to support portfolio growth as mentors, advisors, and, where and as appropriate, potential customers.\nEpsilon's investment focus is informed by the needs and pain points of our members. We take a thematic, bottoms up approach, focused on companies driving value for regional health systems.\nWe are most focused on businesses in the following sectors:\nThe Epsilon consortium is comprised of five leading regional not for profit healthcare systems.\nThe Epsilon team has deep healthcare sector experience as operators, investors, and policy makers.\nThe following are select companies with which members of the Epsilon team have been involved individually (as Board members and/or individual investors)", "domain": "finance"}
{"url": "http://imlswebwise.chnm.gmu.edu/blog/speaker/kristin-mcdonough-2/", "date": "2019-03-21T01:11:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202476.48/warc/CC-MAIN-20190321010720-20190321032720-00504.warc.gz", "language_score": 0.9347485303878784, "token_count": 291, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__138034129", "lang": "en", "text": "Kristin is director of The New York Public Library Science, Industry and Business Library (SIBL), which helps New Yorkers launch and expand small businesses (nypl.org/smallbiz). SIBL’s entrepreneurial support initiatives include the StartUP! Business Plan Competition, the Immigrant Business Connection, and Blueprint for Your Business Future, an educational and advisory program to teach succession planning to immigrant business owners.\nSIBL’s Job Search Central provides entry-to-executive-level job seekers with free access to hands-on training, after-work seminars, career coaching, and networking events. Its Financial Literacy Central program has spawned a robust suite of offerings that has pushed financial education beyond the business library into neighborhood branches.\nBefore opening SIBL in 1996, McDonough served another great New York institution, the City University of New York (CUNY) for 25 years in diverse roles including assistant dean of the School of Education and Educational Services and chief librarian at the award-winning Newman Library at CUNY’s business school, Baruch College. As president of the Financial Women’s Association (FWA), Kristin spearheaded a Forge Your Future initiative with enhanced programming and resources for members in transition. Her volunteer service includes a stint on the STM advisory board of John Wiley Publishers and on the leadership team of Butterflies, USA, which raises funds to support street and working children in India.", "domain": "finance"}
{"url": "https://globalwealthfinancialmarketsacademy.com/services/", "date": "2021-10-17T06:34:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585121.30/warc/CC-MAIN-20211017052025-20211017082025-00707.warc.gz", "language_score": 0.9429232478141785, "token_count": 222, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__188743720", "lang": "en", "text": "Trade involves the transfer of goods or services from one person or entity to another, often in exchange for money. Economists refer to a system or network that allows trade as a market. An early form of trade, the Gift economy, saw the exchange of goods and services without an explicit agreement for immediate or future rewards.\nA binary option is a financial exotic option in which the payoff is either some fixed monetary amount or nothing at all. The two main types of binary options are the cash-or-nothing binary option and the asset-or-nothing binary option.\nEntrepreneurship is the creation or extraction of value. With this definition, entrepreneurship is viewed as change, generally entailing risk beyond what is normally encountered in starting a business, which may include other values than simply economic ones.\nWealth building is the process of generating long-term income through multiple sources. This refers to more than job-based income and instead includes savings, investments, and any income-generating assets. The wealth building definition relies on proper financial planning and insight into one’s future financial goals.", "domain": "finance"}
{"url": "https://www.schneiderind.com/services/sellers/", "date": "2021-07-30T13:20:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153966.60/warc/CC-MAIN-20210730122926-20210730152926-00559.warc.gz", "language_score": 0.918495237827301, "token_count": 487, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__106498255", "lang": "en", "text": "Schneider Industries will create a personalized asset management solution to maximize the value of your assets while minimizing your trouble and loss. All the while providing these services in a controlled, secure, and safe environment. Give us a call 314-863-7711.\nSchneider Industries assists companies and individuals with surplus asset management, including sales, purchase, appraisal, inventory, marketing, removal, collections, transfers, and every aspect involved in the investment recovery program designed for your unique situation. We work with the Seller to create a specialized game plan that encompasses all the Seller’s needs.\nSchneider Industries has a worldwide presence utilizing our operating offices and affiliates in the United States, Canada, Mexico, Brazil, Australia, England, Russia and Switzerland. We have created asset advisory plans and managed surplus equipment sales and subsequent plant removal/clean out activities for corporations such as General Mills, Anheuser-Busch InBev, Emerson Electric, Amoco, Energizer, Revlon, Dial Corporation, Thermadyne, Kraft, Grupo Herdez, Fresh Express, Takata, and many others. We solve companies’ surplus asset situations via auctions, negotiated and sealed bid sales.\nSee some of our services described below:\n- Onsite and Online Sales- Auction events spur excitement, therefore, helping maximize the value of available assets through competitive bidding. Through an online bidding only auction event, buyers will be able to bid competitively from their computers.\n- Private Treaty or Negotiated Sales – Individual assets, production lines or entire facilities can be offered for sale onto the global markets. The sale takes the form of discussion and negotiation between the buyer and the seller facilitated and undertaken by Schneider Industries.\n- Sealed Bid Sales – For a sealed bid sale, we make an “Invitation for Bid,” or IFB, available to prospective buyers through the mail, by fax on demand, or via Internet. The IFB contains item descriptions, sale terms and conditions, item locations and inspection times, and a bid form. The winning buyer has the highest acceptable offer.\nEach equipment, machinery and real estate sale includes inventorying all assets with detailed descriptions and photos; creation and implementation of the advertising campaign; negotiations and sales management with buyers; payment collections and reconciliations; management of equipment removal/checkout of buyers; and plant clean-up.", "domain": "finance"}
{"url": "https://dr.tcnj.edu/handle/2900/1123", "date": "2022-09-30T03:41:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335424.32/warc/CC-MAIN-20220930020521-20220930050521-00526.warc.gz", "language_score": 0.7990114688873291, "token_count": 147, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__5806939", "lang": "en", "text": "Understanding the economic impact of urban street grids: evidence from a natural experiment in Manhattan\nMetadataShow full item record\nOur project investigates the impact of rectangular street grids on urban economies using a natural experiment in Manhattan, New York. We collect original historical data on real estate transactions across two time periods (1880 and 1900) following the grid’s completion, but pre-dating zoning laws. Our preliminary results show a large increase in average real estate values in gridded areas, roughly 15-39% increase across specifications.\nDepartment of Economics\nFile access restricted due to FERPA regulations", "domain": "finance"}
{"url": "http://4bluecollarworkers.com/2021/06/07/reasons-to-hire-a-financial-advisor-instead-of-trying-to-do-it-all-yourself/", "date": "2023-10-04T16:53:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511386.54/warc/CC-MAIN-20231004152134-20231004182134-00803.warc.gz", "language_score": 0.9687754511833191, "token_count": 448, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__50669894", "lang": "en", "text": "Today, it's easier than ever to go online and get all kinds of information about the latest mutual funds or other investment opportunities. Plenty of people use self-serve retail brokerages and apps to manage a portfolio by themselves. But while there are benefits sometimes to going it alone, there are certain situations where having a dedicated financial advisor you can sit down with in person might be a good idea. Here's why you might want to form such a relationship with someone today.\nYou Want a Comprehensive Plan to Reach a Specific Goal\nMaybe you just had a kid and it's time to start thinking about saving for their college tuition. Maybe you are behind on your retirement savings and want to reassess your portfolio and set new targets going forward. Do you want to retire by a specific age? A financial advisor can discuss the details of whatever your most important goals are and help you pick a plan of action for going forward. It can also help to have positive reinforcement from someone that you are making the right choices as you continue to invest.\nYou Want to Form a Long-Term Plan for Your Business\nYou can hire a financial advisor for plenty of additional reasons beyond investing in the stock market. Do you have a new business and you want to make sure that you get started on the right foot? A financial advisor can look at your early balance sheet and make suggestions that will minimize risk and encourage growth. If your business has a surplus amount of cash, your financial advisor could help you earn interest while keeping the cash easily accessible for business emergencies.\nIt's Time to Start Planning Your End Game\nYou've done everything right over the last several decades, and you are quickly approaching the moment where you can retire and start cashing out. Keep in mind, though, that people today are living longer lives than ever before. That nest egg you've built up might have to last you a considerable number of years. Your advisor can help you game plan when you should start withdrawing from which fund, and they will keep you aware of what the tax ramifications are for each of your decisions. As you continue to age and your funds begin to deplete, your advisor can provide assurance that you will continue to be comfortable during your final years.", "domain": "finance"}
{"url": "https://interiordesignmavericks.com/grow/interior-design-fee-structure-template/", "date": "2023-12-10T09:44:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679101779.95/warc/CC-MAIN-20231210092457-20231210122457-00603.warc.gz", "language_score": 0.9293057918548584, "token_count": 775, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__245404570", "lang": "en", "text": "Interior design fee structures can seem daunting and complex. But they don’t have to be! In this article, we will outline the different types of interior design fee structures, and provide tips on how to calculate interior design project estimates. We’ll also provide a project cost estimation template to help get you started. So let’s get started!\nElements of an Interior Design Fee Structure\nThere are several different types of fees that can be included in an interior design fee structure. Here is a brief overview of each:\nHourly Rate: This is the most common type of fee charged by interior designers. An hourly rate allows you to charge for your time, and can be adjusted based on the scope of work.\nDesign Fees: Design fees are for the development of the design concept and plans. This can include things like space planning, furniture selection, and finishes.\nManagement Fees: Designers charge management fees for the coordination and management of a project. This can include project administration, site visits, and communication with contractors.\nProcurement Fees: Procurement fees are charged for the purchase of materials and furnishings. This can include sourcing, ordering, and shipping.\nRetainer: A retainer is a fee paid in advance to secure your services. Retainers are typically a percentage of the total project cost, and are paid in installments throughout the course of the project.\nReimbursable Fees: Reimbursable fees are expenses that are incurred on behalf of the client. This can include things like travel, shipping, and postage.\nLate Fees: Late fees are charged for payments that are not received on time. Late fees are typically a percentage of the outstanding balance, and are assessed at the end of the project.\nHow to Calculate Interior Design Fees\nThere are several different methods that can be used to calculate interior design fees. The most common methods are flat fee, by the square foot, percentage of project costs, and hourly rate.\nFlat Fee: A flat fee is a set price for the entire project. Flat fees can be based on the scope of work, or can be a lump sum payment.\nBy the Square Foot: This method is typically used for larger projects, such as new construction or major renovations. The fee is calculated based on the square footage of the project.\nPercentage of Project Costs: This method is typically used for projects with a large budget. The fee is a percentage of the total project cost, and can be adjusted based on the scope of work.\nHourly Rate: This method is typically used for smaller projects, or for services that are not billable by the square foot. The hourly rate can be adjusted based on the scope of work.\nCombination Method: This method is a combination of two or more of the above methods. The most common combination is flat fee + hourly rate.\nInterior Design Fee Structure Template\nBelow is a template that you can use to create your own interior design fee structure.\nHourly Rate: __________\nDesign Fees: __________\nManagement Fees: __________\nProcurement Fees: __________\nReimbursable Fees: __________\nLate Fees: __________\nFlat Fee: __________\nBy the Square Foot: __________\nPercentage of Project Costs: __________\nHourly Rate: __________\nCombination Method: __________\nHere are 2 examples of interior design fee structures and the total costs:\nThe interior design fee structure doesn’t have to be complicated. By using a combination of the methods outlined above, you can create a fee structure that works for you and your clients. And, by using a template, you can make the process even easier.", "domain": "finance"}
{"url": "https://ichl2011.com/e-learning-business-disrupts-the-status-quo-on-how-people-repair-improve-and-maintain-great-credit/", "date": "2022-08-17T16:30:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573029.81/warc/CC-MAIN-20220817153027-20220817183027-00228.warc.gz", "language_score": 0.9343848824501038, "token_count": 782, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__150184420", "lang": "en", "text": "E-learning business disrupts the status quo on how people repair, improve, and maintain great credit\nATLANTA, GA / ACCESSWIRE / October 9, 2021 / Kenney Conwell is delighted to announce the launch of MyMoneyEDU, an online financial education platform. All-digital services are designed to revolutionize the way people repair, improve, and maintain their credit scores. MyMoneyEDU will help members lower taxes, increase cash flow and increase net worth by implementing their proven wealth management strategies.\nMyMoneyEDU was created to fill a gap in the minority community, namely a lack of financial education and access to financial resources. The team streamlined their processes so that anyone who fits their programs well can participate without being limited by time or geography. In addition, all MyMoneyEDU products and services are readily available in digital format.\nMembers who join the MyMoneyEDU platform want time and financial independence, believing that the conventional American dream of going to school, finding a job, buying a house, and investing in a 401 (k ) is no longer the only way to earn wealth. The MyMoneyEDU team has identified four main areas where they can help users become first generation millionaires.\nThe online program teaches how 1) Use a cash flow management strategy to increase your personal income through a side business or home business. 2) Leverage the power of personal and business credit. 3) Use the stock market as a source of leverage. The easiest approach to making money is to INVEST in the stock market, either actively or passively. 4) Use tax planning to your advantage. It is important to distinguish between tax planning and tax preparation. Planning comes before preparation, and when done right, it can help you avoid paying too much tax (i.e. tax avoidance).\nIn addition to the four key areas of leverage, the online courses explain how good cash flow management can help individuals develop financial discipline. Increased cash flow is easier to achieve with good credit. More investment options are created by increased cash flow. The more money you make, the more crucial it is to have a good tax strategy. MyMoneyEDU guides clients through all the elements needed to achieve their financial dreams through their comprehensive financial system.\nMyMoneyEDU is proud to provide a comprehensive online education platform that helps people improve their financial situation, increase their cash flow, and increase their net worth over time. Their entire system provides the financial clarity, accountability, and the freedom and flexibility to achieve desired results.\nAbout MyMoneyEDU and Kenny Cromwell – Kenney Conwell, founder of MyMoneyEDU, graduated from North Carolina A&T State University in May 2009, with a degree in Interdisciplinary Studies with a Certificate in Entrepreneurship. As an entrepreneur, his mission is to educate, communicate and equip people who are just starting their journey with the tools they need to be successful. He founded MyMoneyEDU with the aim of helping 1,000,000 people achieve a score of 700 credits by 2029 or earlier so they can start the ERI (Entrepreneurship, Real Estate and Investing) process.\nConwell and his team are dedicated to providing the community with the tools, resources and knowledge necessary to achieve exceptional credit and financial success.\nCONTACT: For interview opportunities or to find out more about registering for MyMoneyEDU\nE-mail: [email protected]\nTHE SOURCE: MyMoneyEDU\nSee the source version on accesswire.com:", "domain": "finance"}
{"url": "http://kreatifman.blogspot.com/2013/05/bitcoin-comparison-of-mining-pools.html", "date": "2017-05-23T06:47:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463607591.53/warc/CC-MAIN-20170523064440-20170523084440-00304.warc.gz", "language_score": 0.9333871603012085, "token_count": 470, "dump": "CC-MAIN-2017-22", "global_id": "webtext-fineweb__CC-MAIN-2017-22__0__133364783", "lang": "en", "text": "Comparison of mining pools\nReward types & explanation:\n- DGM - Double Geometric Method. A hybrid between PPLNS and Geometric reward types that enables to operator to absorb some of the variance risk. Operator receives portion of payout on short rounds and returns it on longer rounds to normalize payments. \n- Prop. - Proportional. When block is found, the reward is distributed among all workers proportionally to how much shares each of them has found.\n- PPLNS - Pay Per Last N Shasres. Similar to proportional, but instead of looking at the number of shares in the round, instead looks at the last N shares, regardless of round boundaries.\n- PPS - Pay Per Share. Each submitted share is worth certain amount of BC. Since finding a block requires <current difficulty> shares on average, a PPS method with 0% fee would be 25 BTC divided by <current difficulty>. It is risky for pool operators, hence the fee is highest.\n- SMPPS - Shared Maximum Pay Per Share. Like Pay Per Share, but never pays more than the pool earns. \n- ESMPPS - Equalized Shared Maximum Pay Per Share. Like SMPPS, but equalizes payments fairly among all those who are owed. \n- RSMPPS - Recent Shared Maximum Pay Per Share. Like SMPPS, but system aims to prioritize the most recent miners first. \n- CPPSRB - Capped Pay Per Share with Recent Backpay. \n- POT - Pay On Target. A high variance PPS variant that pays on the difficulty of work retuened to pool rather than the difficulty of work served by pool \n- Score - Score based system: a proportional reward, but weighed by time submitted. Each submitted share is worth more in the function of time t since start of current round. For each share score is updated by: score += exp(t/C). This makes later shares worth much more than earlier shares, thus the miner's score quickly diminishes when they stop mining on the pool. Rewards are calculated proportionally to scores (and not to shares). (at slush's pool C=300 seconds, and every hour scores are normalized)\nSource : https://en.bitcoin.it/wiki/", "domain": "finance"}
{"url": "https://theheartlandusa.com/cityjet-set-land-deal-circles-stobart-air/", "date": "2024-04-18T23:11:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817249.26/warc/CC-MAIN-20240418222029-20240419012029-00059.warc.gz", "language_score": 0.9736518859863281, "token_count": 719, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__113908636", "lang": "en", "text": "CITYJET is close to signing a new contract with a European airline in the next two weeks, as it drives towards a deal to buy rival Stobart Air.\nCityjet last year agreed a so-called wet lease agreement with the Scandinavian airline SAS, in which the Irish company supplies aircraft, complete crew, maintenance and insurance (ACMI).\nThe Irish airline now operates Bombardier aircraft on 42 routes out of Oslo and Helsinki airports on behalf of SAS. The company is to increase its capacity by 50% on the SAS services next year.\nExecutive chairman Pat Byrne refused to disclose the identity of the new customer, but said that it was also an ACMI deal. Byrne also declined to comment on progress on talks with Stobart Air, which will see Cityjet acquire the operator of the Aer Lingus Regional franchise.\nA deal with the logistics company is believed to be imminent.\nCityjet reported losses of €9.9m last year, down from €30m the previous year. The company benefited from lower fuel and staff costs and significantly reduced charges related to the hiring in of aircraft to serve routes.\nByrne said that start-up costs related to the SAS wet lease contract, which also involved the takeover of Blue One, a SAS subsidiary, would lead to losses in the current year. However, the airline was projecting profits for 2017.\nHe said that the airline’s focus was now firmly on developing the ACMI model in Europe. Cityjet earned roughly 23% of its revenues from such contracts in 2015, with most revenue coming from scheduled services. Byrne said that the ACMI business was core to the future development of the airline and the target was to reach 70% of turnover in the medium term. He said that a large number of carriers across Europe were exploring wet lease deals on regional routes.\nRecently filed accounts show that the airline was funded in the past two years by a $20m (€ 18m) loan facility from Triangle Aviation 451, a company connected to Falko, an aviation finance arm of the US investment fund Fortress.\nCityjet was acquired in May this year from Intro Aviation, a German private equity firm, by Cityjet Holdings, a Cayman Islands-registered company. The Cayman company injected $15m of equity into the airline in September.\nIt is understood that the parent company and a new Irish-registered shareholder invested further sums into the airline in recent weeks. If issued on the same terms as the September tranche, then the fresh fundraising would amount to a further $7.5m.\nByrne refused to divulge the identity of the beneficial owners of Cityjet Holdings, but said that they were all European investors. He personally held a “single-digit percentage” stake in the airline.\nHe said that Falko was not a shareholder. It provided advice and expertise on fleet acquisition, and would continue to access appropriate aircraft for future ACMI deals.\nHe said that the airline shareholders would continue to support further expansion through share issues, and that the company was projecting a stock market flotation within three to five years based on current growth potential.\nCityjet currently operates 26 aircraft up from 17 last year. It operates 17 British Aerospace Avro RJ jets, eight Bombardier CRJ 900 and three Russian Sukhoi jets. It will take delivery of a further four CRJ 900 jets in March to service SAS routes and five Sukhoi jets as part of a four-year plan to replace its Avro fleet.", "domain": "finance"}
{"url": "https://www.heritage21.com.au/policy-reform/taxing-tourism-to-pay-for-cultural-built-heritage/", "date": "2023-12-02T06:08:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100327.70/warc/CC-MAIN-20231202042052-20231202072052-00319.warc.gz", "language_score": 0.9378332495689392, "token_count": 1471, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__143652212", "lang": "en", "text": "The World Bank (2010) writes that a good investment climate for tourism, underpinned by a sound tax regime, can play a central role in a government’s growth and development strategy. Yet in many countries, tax systems for the tourism sector are characterized by exemption schemes and instruments that generate little revenue and burden business. The three main issues facing policymakers dealing with tourism taxation are: fiscal incentives, sector-specific levies, and value-added tax (VAT). Such policy options are designed to encourage tourism investments while ensuring sustainable revenue collection. A good business environment for tourism is essential to support the industry’s central role in many countries’ development strategies. Investments in the sector, which has significant growth potential and can have important positive spillovers for the economy. Tourism is a complex industry of numerous subsectors. It is challenging to define exactly what constitutes a tourism product and how to tax it; tourism is not a single commodity, but rather a collection of many different goods and services provided by a wide range of suppliers. The tourism value chain encompasses a variety of different actors, including hotels, air carriers and transport companies, tour operators, travel agents, rental agencies, and countless suppliers from other sectors (World Bank, 2010).\nFig 1 – Tourism in Venice has reached astronomical proportions. Is the money earned by the local economy being taxed to pay for maintenance and upkeep of the buildings?\nEverett (2017) writes that tourism has long been regarded as a vehicle of economic prosperity and source of increased revenue. It is one of the world’s largest industries with a global economic contribution of over US$7.6 trillion (£5.8 trillion). The United Nations World Tourism Organisation forecasts that by 2030, the number of international tourist arrivals will reach 1.8 billion. With one in ten jobs on the planet reliant on tourism (that’s 292m people) and an equivalent worth of 10% global GDP, there is little wonder that host communities want to make the most of the opportunities it brings.\nRecently, the Malaysian Government introduced a tax on tourism. The tax, which was implemented in August 2017 is in the form of an extra charge on hotel and hostel accommodation, according to the Royal Malaysian Customs Department.\nTourists staying in non-rated accommodation are charged an extra amount per room per night; tourists booking stays in one, two and three- star hotels have to pay extra per room per night; four -star hotel guests are charged even more and those booking five-star accommodation have to pay additional premium sums per room per night. This is imposed on all visitors — both foreign tourists and Malaysian nationals — staying in accommodation for either leisure, religious, holiday or business purposes. Accommodation includes any premise registered by the Commissioner under the Tourism Industry Act 1992. This includes hotels, hostels, inns, and boarding houses. According to the Royal Malaysian Customs Department, the revenue earned from the tourism tax will “enhance” the experience for visitors to Malaysia. “The returns will be used to develop the tourism industry, namely the enhancement of tourism infrastructure and facilities as well as tourism promotional activities and campaigns for the country.” It will also be used to “protect, preserve and conserve” Malaysia’s environment, culture and heritage (news.com.au, 2017).\nFig 2 – Galleria in Milan, Italy – there is a partial tax on tourism in Italy, but are the funds adequately directed to the maintenance and upkeep of the heritage stock?\nAccording to an Australian Government Business Tourism Fact Sheet – last Updated: 11 April 2018, the fact sheet provides an overview of the legal, operational and business issues relevant to the tourism industry group, but it does not mention tax.\nIn my opinion, it makes sense to tax the ever- burgeoning tourism industry to pay for the upkeep and maintenance of heritage buildings, conservation areas and specific heritage sites and museums. By implementing a hypothecated tax from which funds are directed to heritage buildings and museums, archaeological sites, conservation areas and rural and coastal heritage towns, necessary maintenance of such places can be funded. Because tourism covers businesses from a wide variety of industries that sell goods or provide services to visitors who have travelled from their usual place of residence (international or domestic), it would make sense to tax the following entities;\n• tour operators (should be taxed)\n• travel agents (should be taxed)\n• short-term accommodation providers (should be taxed)\n• recreation service providers (should be taxed)\n• transport and hire service providers including air, rail, ferry and bus transport (should be taxed).\nFig 3 – No.1 Hickson Street, The Rocks – NSW, Australia. This is one of Australia’s major tourist destinations.\nHeritage listing and heritage protection is ultimately a ‘public good’ driven by the broader community. As such there is a strong expectation in the community that all levels of government should accept a significant part of the responsibility to ensure that places of heritage value are conserved. That expectation extends not only to the regulatory side of listing and protection, but also to financial aid and assistance. In an environment with limited resources, regulation may appear attractive because it appears relatively ‘cost free’. Governments can simply ‘require someone to do something’. That may be the reason that regulation has traditionally been the predominant conservation tool in some countries, including Australia. However, an effective heritage system is founded on a balance of ‘sticks and carrots’. The lack of a meaningful level of ‘carrots’ undermines support from property owners for the system, makes regulation more difficult, and misses opportunities for garnering private investment (Making heritage happen, 2014).\nSpecifically, the purposes of heritage incentives are to:\n• ensure that owners are not unduly disadvantaged by the constraints or extra expense that the regulatory system may impose;\n• leverage private capital investment in conservation;\n• generate additional conservation activity than would otherwise occur;\n• counteract land use policies or other factors that threaten heritage places; and\n• ensure that as far as possible a ‘level playing field’ exists between privately-owned heritage and the public interest\nPaul Rappoport – Heritage 21\n7 May 2018\n• World Bank (Corthay, L. & Loeprick, J. (2010) Taxing Tourism in Developing Countries: Principles for Improving the Investment Climate Through Simple, Fair, and Transparent Taxation. Investment Climate in Practice; No. 14. World Bank, Washington, DC. © World Bank.\n• Everett, S. (2017) Deputy Dean (Business School), Anglia Ruskin University\n• News.com.au (2017) Tourists to pay more for accommodation in Malaysia with new tourism tax, June 8, 2017.\n• Australian Government Tourism industry fact sheet – Updated: 11 April 2018\n• Making Heritage Happen (2004) Incentives and Policy Tools for Conserving Our Historic Heritage, National Incentives Taskforce for the EPHC\nNeed help getting started?\nCheck out our guides.\nHaving worked in the heritage space for the better part of thirty years, I have come to rely upon five…Read more", "domain": "finance"}
{"url": "https://www.estudentspoint.com/link-aadhaar-pan-card.html", "date": "2021-04-20T09:18:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039388763.75/warc/CC-MAIN-20210420091336-20210420121336-00553.warc.gz", "language_score": 0.8852827548980713, "token_count": 585, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__199763405", "lang": "en", "text": "How To Link Your Aadhaar Card With PAN Card: Aadhaar is a 12 digit number issued by Unique Identification Authority of India (UIDAI), which contains all the information based on demographics and biometrics of a person. PAN is a ten-digit alphanumeric number issued by the Income-tax department is used to file the tax return. Recently, the government of India has made compulsory for all the taxpayers to link their Aadhaar card with PAN card for filing Income tax returns. The Government has stated, by linking Aadhaar card with PAN, it can tackle the fake PAN cards, keep an eye on taxable transactions of an individual or entity and remove corruption. You can link the both cards using online and SMS method or by visiting nearest service center by providing valid information.\nHere Are The Simple Steps to Link Aadhar Card with PAN Card Using an Online Method\n- Visit the website incometaxindiaefiling.gov.in and login with your details such as username, password and fill the captcha code and enter login.\n- You can also link without Log in through this Link.\n- Once you logged in, a pop-up window will appear telling you to link your Aadhaar card with PAN. If you don’t get the popup message then check the blue bar above and click on “profile setting” and then click on link Aadhaar in the list.\n- Details such as name, date of birth will appear just check the details, if it matches with your Aadhaar card, if the details match, then fill your Aadhaar number and captcha code and click on the link of Aadhaar.\n- Once you submitted, a popup message will appear informing you that Aadhaar card has been linked to your PAN card successfully. Also Check:\nLinking Through the SMS\nIf you are experiencing heavy traffic and the content is taking too much time to load, you can opt to link your Aadhaar using the SMS method. You can link your Aadhaar card with PAN following these simple steps:\n- Send SMS to 567678 or 56161 from your registered mobile number\n- The message should be sent in the following format\n- UIDPAN<space> <12 digit Aadhaar number><space><10 digit PAN>.\n- For example – UIDPAN 123456741852 BKLM4124C.\n- Visit the nearest service center or PAN service provider, NSDL or UTIITSC.\n- You need to fill the form called Annexure-1 and attach your attesting documents.\n- Fill the form and submit to the operator and pay the prescribed as per the service.\nIf you are using an online method and your name doesn’t match an OTP is sent to your registered mobile number. Enter the OTP and continue the process. It is advisable to check your data on both Aadhaar and PAN card before you trying to link the 2 numbers.", "domain": "finance"}
{"url": "https://www.westchestergreenbusinesschallenge.org/tag/mortgage-broker/", "date": "2023-12-06T18:24:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100602.36/warc/CC-MAIN-20231206162528-20231206192528-00203.warc.gz", "language_score": 0.9612703919410706, "token_count": 1700, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__866136", "lang": "en", "text": "Boise Mortgage Companies provide home loans to help buyers buy a property. They may be banks, credit unions, or online lenders.\nWhen choosing a lender, compare loan programs and terms like mortgage rates, interest rate APRs, upfront fees and closing costs. Also, consider how a lender treats credit-challenged borrowers. This can make a big difference in your mortgage experience.\nIf you’re shopping for a mortgage, it’s important to know that the credit score mortgage lenders use may be different from the scores you see in your personal finance apps or on your credit card statements. The reason for this is that mortgage lenders will typically pull a “tri-merge” report, which consists of credit reports from all three major bureaus – Experian, Equifax and TransUnion. These credit reports are then used to generate a “Qualifying Credit Score” for mortgage applicants.\nWhat’s more, the credit scoring model used by your lender can also vary. While all of the credit scores produced by the bureaus come from the same company (FICO), different scoring models weigh factors differently. For example, the FICO 8 model is known for being more critical of high balances on revolving accounts. While this is a good thing for consumers, it can hurt mortgage borrowers whose credit utilization ratio is too high.\nThe scoring model used by your mortgage lender will be one of the most important factors in determining whether you’re approved for a loan and what kind of terms you can get. While it’s important to have a good credit score, you can still qualify for a mortgage even if your score isn’t great – just be prepared to put more money down or pay higher interest rates.\nTo determine your qualifying credit score, most mortgage lenders will take the middle score of the tri-merge report. The mortgage lender will then use that score throughout the mortgage process. This process differs from conventional mortgages backed by Fannie Mae, which use the median score of all borrowers on the loan application.\nWhile you can request a copy of your credit report from each of the three major credit reporting agencies for free (due to the COVID-19 pandemic, you can only receive a report from one of the bureaus per year), most mortgage lenders will use the tri-merge report to determine your qualifying score. If you’re applying for a mortgage jointly with someone else, the mortgage lender will average the median score of all borrowers.\nA down payment is an upfront portion of the home purchase price paid by the buyer with cash. The rest of the cost is covered by a mortgage loan, which is paid back monthly along with interest. A down payment is usually required by most lenders, and the size of it influences the terms of the mortgage.\nA large down payment may reduce the number of months required to pay off the debt and it can lower the interest rate you pay. For this reason, many homebuyers spend time saving for a down payment. They create a budget, scrimp where they can and try to put any extra money (like birthday card cash or work bonuses) toward the down payment.\nThe size of your down payment may also be influenced by whether this will be your primary residence, vacation or investment property. There is more risk involved when borrowers buy homes as investments, so there may be higher down payment requirements or more stringent credit score requirements.\nWhen you apply for a mortgage, your lender will ask for information about your savings and checking accounts, as well as outstanding debt obligations like credit cards, car loans and student loan balances. Lenders also review your past 3+ months of bank activity and will look for large deposits that may indicate a new source of funds. If you receive a gift from a family member or friend to use towards a down payment, you will likely need to provide a letter that clarifies the relationship, documents the amount and confirms contact information.\nIf you’re concerned about the amount of money you can save for a down payment, consider using a mortgage calculator to see what your potential monthly payments would be with various down payment scenarios. Our Loan Advisors are happy to sit down with you and run different numbers based on your specific parameters.\nThere is no minimum dollar amount that you must earn to qualify for a mortgage, but lenders want to be sure that you have enough income coming in to cover your loan payments as well as your other bills. They do this by looking at your household income, which typically includes wages from a job, but also may include other sources of income such as retirement and investment accounts. They also look at your debt-to-income ratio, which is how much of your income goes to paying off your credit cards, car loans, other debts and housing expenses.\nThe mortgage lender’s requirements can vary slightly from one bank to another, but they all base their decisions on the same factors. While they consider your income and other debts, they also set the terms of the mortgage and interest rate. You can shop around for a mortgage, and you will find that some lenders offer more flexible terms than others.\nDifferent types of mortgage lenders include retail lenders, portfolio lenders, wholesale lenders and mortgage brokers. Retail lenders provide mortgages directly to consumers. Portfolio lenders use their own funds to fund mortgages rather than sourcing them from other lenders. Wholesale lenders are banks and other financial institutions that don’t work directly with consumers, but instead originate, fund and sometimes service mortgage loans. Mortgage brokers are individuals who negotiate, place or assist in the placement of mortgage loans on residential property for compensation or gain. They must be licensed in the state where they operate.\nNo-income verification mortgages (also called no documentation or non-QM loans) are still available for some borrowers, but they are very restrictive and require a high credit score and significant down payment. These loans are usually reserved for self-employed borrowers and those who have a high net worth. They are also more expensive than traditional mortgages, since the lender takes on more risk by lending to low-income borrowers. They can be a great option for those who need a mortgage but have issues with their credit or savings. They can also be useful for investors who want to buy a property and rent it out, but don’t have the income to qualify for a conventional mortgage.\nLenders review your liquid assets – cash, money market accounts and certificates of deposit (CDs) – to determine how much of a financial cushion you have to make mortgage payments if your job was lost or income were reduced. The more assets you have, the less likely you are to default on your loan in a time of crisis.\nFor traditional conforming loans backed by Fannie Mae or Freddie Mac, you are typically required to have a certain number of months in mortgage reserves. These are funds you can use to cover your monthly housing costs including PITI, property taxes and homeowners insurance. Mortgage reserve requirements vary based on your lender and the type of loan.\nSome lenders require more mortgage reserves than others for jumbo loans and other types of non-conforming mortgage programs. Lenders review your assets and use a formula to calculate how much of a cushion you have to meet mortgage reserve requirements.\nThe key is that the assets you have are sourced and seasoned, and that your savings pattern is stable. For example, if you make a large deposit into your account shortly before applying for a mortgage, your lender will be suspicious and may ask you to explain where the funds came from. This might prompt a delay in the process or even rejection of your application, depending on the lender.\nLiquid assets typically include cash in checking and savings accounts, money market accounts and CDs. For other types of assets, such as retirement accounts and real estate holdings, you’ll be asked to provide verification documents, which normally include account statements and deeds for ownership. For private equity stakes in companies, documentation will vary and might include business operating agreements, shareholder certificates or corporate charters.\nYou’re also expected to disclose the value of your personal property, such as cars and furniture. You may need to provide a valuation report from an independent appraiser for the property and supporting ownership documents. Similarly, for some types of investment properties you’ll need to submit appraisal reports and property management agreements.", "domain": "finance"}
{"url": "https://www.leadinglady.com/blogs/archive/smart-shopping-advice-from-a-coupon-queen", "date": "2024-04-19T22:02:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817455.17/warc/CC-MAIN-20240419203449-20240419233449-00064.warc.gz", "language_score": 0.9459009170532227, "token_count": 707, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__93202468", "lang": "en", "text": "Savvy Leading Ladies know being fashionable, doesn’t mean you can’t be frugal. Our friend Nicole from Nicole’s Nickels is dedicated to finding the best money-savers on the web, and she’s letting us in on a few of her online shopping secrets. Thanks, Nicole!\nI do most of my shopping online these days, mostly because I know I can get great deals online, sometimes even better deals than what you get in the store! Here are 5 of my best online shopping tips:\n1. Always use a cash back shopping site. Cash back shopping sites like Ebates and Mr. Rebates are free to use and you’ll get a certain percentage of your purchase as cash back into your account. Sometimes you can get as much as 52% cash back but generally expect 2-8% cash back from most merchants. You just log in to your cash back shopping accounts and click through to the merchant so your shopping can be tracked and your cash back deposited.\n3. Sign up for store/website email newsletters. Most merchants have email newsletters that are completely free to sign up for. They then reward your interest by sending you exclusive coupons and invites to private sales/ I use a separate deals email address (sign up for one for free using gmail) for these kind of email newsletters.\n4. Don’t use a debit card. If you use a debit card online and your account is ever compromised you are out the money debited from the card while you wait for your bank to investigate. If you use a credit card you just dispute the charge and aren’t responsible for paying it while the credit card company investigates.\n5. Research shipping options. Many stores now offer a free ship to the store option. I do this when I don’t have time to shop in the store but live close to one and am happy to have everything sent there. Try on the clothes in the store and then just return them to the store right then if they don’t fit. Also consider joining ShopRunner and Amazon Prime for free 2 day shipping! You can get 30 day free trials of both to check out the services!\nIt is possible to save more money online than in store and what better convenience is there than to not have to go to the store, find a parking space and drag all your purchases home!\nAbout Nicole: I started Nicole’s Nickels in February 2009 to bring all of the great deals I was finding to my friends and family and then it took off! Since then I’ve continued my full-time day job as an attorney while blogging in the evenings and on weekends. I help my clients during the days at the non-profit I work for and then my Nicole’s Nickels readers trying to find the best deals for their family! I live in south/central Florida and have 2 cute dogs (see their picture under “mascots”) and an amazing husband who has a spunky 6 year old we get to spend a lot of time with. I love telling my readers about great deals and also about the cool products I get to try. Most of all I love giving stuff away to my readers! I hope you’ll take the time to “like” me on Facebook, follow me on Twitter and/or subscribe to get my daily updates via email to stay in touch!", "domain": "finance"}
{"url": "http://www.mkhalidkhan.com/page/2/", "date": "2018-07-15T22:55:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589022.38/warc/CC-MAIN-20180715222830-20180716002830-00563.warc.gz", "language_score": 0.9682077169418335, "token_count": 713, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__268138968", "lang": "en", "text": "Owning your own automobile can be a liberating feeling. Knowing that you can take off at anytime and drive anywhere gives you a freedom that you can’t find nearly anywhere else. This freedom comes with a significant amount of responsibility, though. In addition to cleaning the car and regularly maintaining it, you will also need to follow stringent guidelines that are dictated by law to ensure that your car runs efficiently and safely.\nOne of the most important steps to becoming a full-fledged automobile owner is purchasing auto insurance in Altoona, PA. There are a number of reasons why it is important to carry insurance on your car before you ever drive on the road, and detailed below are a few of the most important reasons why.\nCarrying Insurance Is the Law\nCarrying auto insurance is the law. Frankly speaking, if you don’t have insurance on your vehicle when you drive it on the roads, then you are breaking the law. Compulsory car insurance has been in place for nearly a hundred years in most states in an effort to ensure that you and the other person involved in any potential accident can take care of any costs that accrue. Not only is carrying auto insurance for your own benefit, but it is also for the benefit of the other person involved in the accident.\nInsurance Can Mitigate Excessive Costs\nAnyone who has spent any reasonable amount of time in a hospital can attest to just how costly such a visit can be. The costs add up quickly. From the ambulance ride, to the initial care, to the time spent recovering, every single bit of service you receive will be billed. If you are involved in an accident that causes you or someone else bodily harm, you are forced to pick up the hospital tab.\nThis is what makes carrying insurance so important: if you have a solid plan, they will pay the bill after you meet your deductible. If you don’t have a plan in place, you are then forced to pay out of pocket, which can be devastating to your bank account. This small-term investment can shield you from long-term bankruptcy.\nPut Yourself at Ease\nSimply having an auto insurance policy can give you a sense of peace that can affect how you drive. Just knowing that you are protected will allow you to drive as you normally would, whereas not having coverage may force you to drive a little too cautiously, leading to that which you were trying to avoid in the first place: a crash. Don’t worry every time you pull out of the driveway about getting in a car crash and incurring life-altering amounts of debt; sign up for a solid auto insurance policy today to ensure that you can drive worry free.\nSave Yourself the Hassle\nHave you ever been involved in a traffic accident before? The process of going about having your injuries treated properly, contacting the police, filing a report, and fixing the damages is exhausting to say the least.\nNow imagine not having your auto insurance provider to act as a mediator during the process. Not only will you be forced to do all of that legwork yourself, chances are that won’t be able to get the process started and finished nearly as fast as someone who has the proper training to make the proper claims and contact the proper authorities.\nAuto insurance in Altoona, PA, is more than just a hoop to jump through in order to drive your car, it is a way to ensure that you are protected in the event of a car crash.", "domain": "finance"}
{"url": "https://abbeyfield-bristol.co.uk/our-board-of-trustees/", "date": "2019-04-19T06:42:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578527148.46/warc/CC-MAIN-20190419061412-20190419083412-00380.warc.gz", "language_score": 0.9178693294525146, "token_count": 222, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__63652378", "lang": "en", "text": "Our Board of Trustees\nWe are very fortunate to have a committed and experienced Board of Trustees, led by our Chairman, Mike Innes and Vice Chair, Sara Touzel, Sue Hopkins, John Kane, Jill Oakhill, Caroline Byrt and Roger Spooner.\nTrustees are actively involved in all commercial and strategic decision-making, and the governance of the Society. The Board explores the possibilities of new projects, and works to create our vision and shape our future.\nThe Board of Trustees has ultimate responsibility for:\n- directing and reviewing our strategy and objectives for development\n- ensuring best use of our charitable funds, and investing wisely\n- managing and maintaining a strong financial foundation, to enable us to deliver our plans for the future\n- identifying and effectively managing risk\n- ensuring legal and regulatory compliance with increasingly stringent legislation\n- providing leadership and a critical overview of the Society’s activities\n- keeping the Society focused on its core purposes and delivering its charitable aims\n- safeguarding the reputation of the Society\n- being open and accountable, and operating with integrity and transparency", "domain": "finance"}
{"url": "https://cms.geelus.com/update-12-5-8/", "date": "2024-02-20T23:18:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473347.0/warc/CC-MAIN-20240220211055-20240221001055-00747.warc.gz", "language_score": 0.906133770942688, "token_count": 835, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__162855638", "lang": "en", "text": "You can now get a clear picture of how your staff is doing with our “Complete Productivity & Performance” report. This tool shows you everything in one place, helping you make smart choices to improve work, identify strengths, and address areas for improvement. This report is ideal for Alterations, Tailoring, and Bridal businesses.\nIn order to use this tool you need to setup each employees pay type (Hourly rate or commission base).\nHere are the steps on how to set it up:\nNavigate to Settings > Users\nClick on the user’s name that’s being modified\nIf an employee works on an hourly rate, enter the value in the “Hourly rate” field.\nIf an employee works on a commission basis, then enter the percentage in the “Commission rate” field. Please note that there are two commission rate options. – Commission from transactions > An employee is paid on a percentage basis for transactions they place. – Commission from processes > The employee receives a percentage of the work they have completed. In other words a percentage of the work they have marked done.\nDefinition of each column in the Productivity & Performance report.\nEmployee: Displays the names of employees.\nTransactions befor surc/disc: The total amount of transactions the employee created before any surcharge and discounts.\nTransactions: The total amount of transactions the employee created.\nProcesses before surc/disc: The total amount of jobs marked done by employee before surcharges or discounts.\nProcesses: The total amount of jobs marked done by employee.\nDuration: The total duration of the jobs marked done by the employee.\nTime logged: Total number of hours logged by employee by clock-in and clock-out.\n%Duration/Log: The ratio between the total duration of the jobs marked done vs. the total time the employee logged by clock-in and clock-out (employee efficiency).\nHourly wage: The total amount earned by hourly staff, based on their time logs multiplied by their hourly rate.\nCommissions: The total amount of commissions earned by the staff. A popup window will appear when you hover over the value and it will display whether it is from a transaction or a process.\nTotal pay: Total of commission plus hourly wage.\nNet processes: The remaining processes which means total paid minus total processed by the employee.\n%Wage/Processes: The ratio between total wage vs. total processed by the employee.\nNet transactions: Subtracting the transactions from the hourly wage.\n%Wage/Transactions: The ratio between wage vs. total transactions placed by employee.\nHourly Staff Payment and Commission Calculation\nWith the new update, you can enter hourly rates for hourly employees and commission rates for commission-based employees. You can view the calculations on the “Productivity and performance report”.\nHourly rate and commissions rate can be setup by navigating to “Settings > Users”\nTracking New and Returning Customer Percentages\nAs part of this new update, we have improved the interface for the “New vs Returning Customers” report.\nThis report displays new and returning customer numbers and transaction totals on a percentage basis along with a number value.\nThis insightful report empowers you to make informed decisions and tailor your strategies to maximize customer engagement and loyalty.\nExpanded Multi-Store Reports\nIn this new update, we have also expanded Multi-Store reports to include “New vs returning customers”, and “Employee’s productivity and performance” report that will allow you to view detailed report for each store in one place.\nThis update introduces manual communication options for email, text messages, and HTTP requests. Options for manual email and text messages are enabled by default. You can access/edit manual communication options by going to Settings > Registers > Manual communications.\nYou can manually send email, text messages, or HTTP requests by clicking the 3 dots next to the transaction on transaction history.", "domain": "finance"}
{"url": "http://www.fillmaninsurance.com/blog/illegal-rebates-on-insurance-deductibles", "date": "2024-04-16T20:05:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817106.73/warc/CC-MAIN-20240416191221-20240416221221-00757.warc.gz", "language_score": 0.95255446434021, "token_count": 200, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__109566017", "lang": "en", "text": "It has come to our attention that there are some roofing operations offering some form of rebate on insurance deductibles. This is not legal in the state of Nebraska. LB 943 states in part:\n\"A residential contractor shall not promise to rebate any portion of an insurance deductible as an inducement to the sale of goods or services. A promise to rebate any portion of an insurance deductible includes granting any allowance or offering any discount against the fees to be charged or paying an insured or a person directly or indirectly associated with the residential real estate any form of compensation, except for any item of nominal value.\" (State Law section 44-8604)\nLB 943 also allows a person to cancel a written contract with a residential contractor within the later of three business days after the person has entered into the contract, or the person has received notice from the insurance company that all or part of the claim is not covered under the policy. (State Law section 44-8603(1).", "domain": "finance"}
{"url": "https://www.simplesmilesdentistry.com/insurance-and-financing/", "date": "2018-01-24T02:03:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084892892.86/warc/CC-MAIN-20180124010853-20180124030853-00727.warc.gz", "language_score": 0.9119069576263428, "token_count": 257, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__16324833", "lang": "en", "text": "Our dentists and dental team at Simple Smiles are committed to providing compassionate, comprehensive dentistry that fits your family’s financial situation as well as your dental needs and goals. We are in network with the following dental insurance providers:\n- CONNECTION Dental\n- Delta Dental Premier\n- Horizon Dental Blue 200\n- Lincoln Group\n- Meritain Health\nIn addition, we accept the following forms of payment:\n- Credit cards\nCareCredit, a third-party financing company, provides no- and low-interest financing plans to help your family afford high-quality dentistry. We welcome you to contact our Paterson, New Jersey dental office today to learn more about dental insurance, CareCredit, and our other financial options. Our knowledgeable dental team is always happy to answer your questions!\nWe invite you to complete our patient forms before your visit with our talented dentist, Dr. Rojas. Completing our patient forms prior to your visit will help you be more prepared and will save you some time at our Paterson, New Jersey dental office. If you have any questions or would like assistance of any type, we welcome you to call us at Simple Smiles. We are dedicated to providing you with a pleasant, streamlined experience!", "domain": "finance"}
{"url": "https://www.adventureoutloud.com.au/blog/a-comprehensive-cost-breakdown-of-your-mount-kilimanjaro-trek", "date": "2023-12-01T16:10:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100290.24/warc/CC-MAIN-20231201151933-20231201181933-00823.warc.gz", "language_score": 0.9317606091499329, "token_count": 1691, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__179773173", "lang": "en", "text": "Key take aways:\n- US$1,000 - $1,100pp: Average cost of permits & national park fees. These are fixed costs that cannot be avoided.\n- Accommodation before & after your trek is another major driver of cost.\n- Budget accommodation costs approx. US$15 - $50pp/day\n- Mid-range accommodation costs approx. US$75 - $200pp/day\n- Luxury accommodation costs approx. US$200+pp/day\n- Group size is another major driver of cost. The larger the group, the cheaper your trek.\n- Cutting costs usually results in guides and porters not being paid.\n- If you want to save money, trek in the shoulder seasons (mid-Jun & Oct)\nThe major costs of a Kilimanjaro trek generally include park permits and fees, accommodation, airport transfers, transport to and from the trek, food, equipment, and guide & porter salaries.\nIf you’re wondering why prices are usually quoted in US Dollars (USD), it is because Tanzanian businesses prefer to be paid in USD for three reasons:\n- African local currency is usually pegged against the USD\n- The value of local currencies are minimal. For example, Tanzania’s highest value note is TZS 10,000, which is equal to USD$5, so paying for a Kilimanjaro trek worth US$5,000 in Tanzanian Shillings would result in you having to carry a massive bag full of notes! Very inconvenient!\n- USD is a global currency\nAdventure Out Loud makes this easier by charging you in AUD and taking the foreign exchange risk at our end.\nDon’t forget that it is also customary in East Africa to tip, so make sure you factor that into your budget! More on tipping below.\nThe average Kilimanjaro trek can cost anywhere between US$2,000 and US$10,000 and you may be wondering, what makes this experience so expensive? We’ve put together this comprehensive cost breakdown to help you understand exactly what you’re paying for.\nWhen trekking Kilimanjaro, we strongly recommend you don’t pay under US$2,500, as low-cost operators may cut corners on gear, food, training and fair wages for the guides and porters that will help you up the mountain. Here’s a closer look at where your money will go:\n- US$1,000 - Park and camping fees (approx. US$140pp/day)\n- US$200 - Accommodation x 2 nights (US$70 - $100pp/night)\n- US$100 - Airport transfers (US$50 each way)\n- US$200 - Transfers to/from Kilimanjaro\n- US$200 - Food\n- US$700 - Support crew salaries for 7 days to support 1 trekker\n- There are also costs for equipment and the cheaper your trekking fee, the more likely your tents will leak or be cold, you won’t have a comfortable mat to sleep on and the food you eat may not be freshly prepared, nutritious and safe.\nAs you can see, most Kilimanjaro treks will cost an operator approximately US$2,000/trekker. Tour operators will then need to make a profit, and cover other overheads like insurance, marketing, office costs, booking staff salaries, etc. If you want a more luxury experience, you expect to pay more for a private toilet, better food, more experienced guides and porters, etc.\nGuide & porter salaries\nGuides and porters need to be paid a fair wage as outlined by KPAP (Kilimanjaro Porters Assistance Project). If the company you use is not paying a minimum of US$10/porter you should not use them. Guides should also be paid at least US$25/day and cooks should be paid at least US$20/day.\nFor one trekker, you can expect a crew of 6 – 10 people. This means that wages for a seven day trek will be approximately $700.\nTipping tips and tricks\nTipping is expected in Tanzania and on Kilimanjaro. Guides, porters and cooks work incredibly hard to ensure you are safe, happy and comfortable. Our staff are professional and experienced and you’ll love their service, so whilst tips might seem high before your trek, most trekkers actually give more once they see how hard our team works.\nTo help you budget and to make tipping easier during our Australian guide led small group adventures, we collect tips at the start of the trip and pay them on your behalf. For our private & locally led adventurers, we have developed a Kilimanjaro tipping calculator to help you calculate a minimum tip for your trek.\nWhy do prices for Kilimanjaro vary so much?\nThe major reasons for price fluctuations are the number of trekkers in the group and accommodation/luxury level. Fixed costs, like transport, are much cheaper when they are shared among 10 trekkers instead of 1. Some variable costs, like crew salaries, are also cheaper when shared, so the best way to save money on Kilimanjaro is to join a group.\nThe level of comfort you want before, during and after the trek also contributes to the cost. If you want comfortable camping chairs, a dining table, portable toilet and other luxuries, your price will increase.\nAnother major driver is your before and after trek accommodation. For example, if you want 2 nights in a high-end luxury hotel before and after your trek, you may expect your accommodation alone to be US$500 - $5,000pp, compared to a budget hotel for US$50pp/night. As you might expect, accommodation is most expensive during peak season. If you’re looking for a way to trek Kilimanjaro on a budget, consider looking at the best times of year to climb the mountain out of peak season.\nThe general rule of thumb is that you get what you pay for on Kilimanjaro, particularly when it comes to your safety and porter welfare, so be cautious about how you choose to cut costs.\nCost of clothing & gear for Kilimanjaro\nYou should also make sure you budget some money before your trek even begins to purchase or hire the gear you will need for your trek. Gear is another area where you shouldn’t cut costs on Kilimanjaro, as having great gear, especially hiking boots, wet weather and cold weather gear can make your trip a lot more comfortable.\nMake sure you consider the season in which you’re planning your trek - this can help you plan out all of the gear you’ll need, and it can also affect the cost of your trip. A few general rules of thumb we apply are:\n- Always buy good hiking boots and wear them in before your trek\n- If you aren't going to use the gear again, hire it to save money (except the essentials outlined in our Kilimanjaro packing blog)\n- Test your gear is waterproof before your trek by testing in rain or by wetting it\nKilimanjaro is an incredible trek and the cost will be worth it when you are standing on top of the highest free-standing mountain in the world, looking out over the African savanna as the sun comes up in the distance. So what are you waiting for? Start planning your Kilimanjaro adventure today!\nReady to start planning your African adventure?\nCheck out our ultimate guide to trekking Mt Kilimanjaro or book a consultation with an African trekking experts to start planning your unforgettable Kilimanjaro trek. Our small group and private adventures are individually crafted to meet your wildest dreams! Secluded beach getaways, romantic safaris, honeymoon surprises, unique accommodation, or something a little weird and wonderful, tell us your wildest adventure dreams and we’ll make them a reality. Book a free consultation with an African safari experts today so we can help you plan your dream safari adventure.", "domain": "finance"}
{"url": "http://www.dora.org/index.php", "date": "2014-03-08T02:55:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-10/segments/1393999652865/warc/CC-MAIN-20140305060732-00085-ip-10-183-142-35.ec2.internal.warc.gz", "language_score": 0.9543266296386719, "token_count": 518, "dump": "CC-MAIN-2014-10", "global_id": "webtext-fineweb__CC-MAIN-2014-10__0__107875735", "lang": "en", "text": "We are currently in the 3rd Quarter and mother nature has paid us another visit. Our main priority is for students to travel in safe conditions so, again, we have had to cancel classes.\nTypically this time of year burnout can take place but definitely not this year - our students and staff are very refreshed.\nIn the next few weeks I will provide more information on Proposition 2 (more details on this webpage).\nPlease feel free to email, visit the school or call if you have any questions or concerns.\nThe Dora R-III School District will be in session on March 10th, 11th, and 21st to help recover some of the time lost during the last winter storm. Monday, March 10 and Tuesday, March 11 are part of the week long spring break originally scheduled for March 10-14. Friday, March 21, was set aside for Parent/Teacher conferences.\nNotice of Special School Bond Election\nDora R-III School District, Missouri\nNOTICE is hereby given to the qualified voters of the Dora R-III School District, Missouri (the \"District\"), in the State of Missouri, that an election will be held in the District on Tuesday, the 8th day of April 2014, commencing at 6:00 a.m., and closing at 7:00 p.m., on that date, for the purpose of submitting to the qualified voters of the District the following proposition, to-wit:\nShall the Board of Education of the Dora R-III School District, Missouri, without an estimated increase in the current debt service property tax levy, borrow money in the amount of Three Hundred Eighty Thousand Dollars ($380,000) for the purpose of providing funds for construction, equipping and furnishing of three new classrooms; to the extent funds are available complete other upgrades, remodeling and repair improvements to the existing facilities of the District; and issue bonds for the payment thereof? If this proposition is approved, the adjusted debt service levy of the School District is estimated to remain unchanged at $0.1804 per one hundred dollars of assessed valuation of real and personal property.\nEnd of the school year events are set after factoring in the missed days because of inclement weather.\nThe eigth grade graduation is scheduled for Friday, May 16th at 7:00 p.m.\nThe high school graduation is scheduled for Sunday afternoon on May 18 at 2:00 p.m.\nThe last day of school is Friday, May 23. Classes will end at noon.", "domain": "finance"}
{"url": "https://jrpatterson.wordpress.com/clients/", "date": "2020-11-28T03:00:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141194982.45/warc/CC-MAIN-20201128011115-20201128041115-00556.warc.gz", "language_score": 0.975968062877655, "token_count": 2719, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__196141809", "lang": "en", "text": "I had the privilege of working closely with J.R. for over two years. Together we provided finance and accounting support to VoiceBase, Inc., one of our mutual clients, a VC-backed technology company. He managed all accounting and tax matters. During this period we were able to substantially upgrade the accuracy, usefulness and timeliness of the financial information. We closed three rounds of financing and we were able to present financial information to prospective investors with confidence. J.R. was a pleasure to work with and he knew when to involve me with decisions and when to resolve matters without me. I look forward to working with J.R. in the future and highly recommend him.\nSteve Bach, CFO, VoiceBase, Inc.\nAs a startup, we needed someone with not just accounting experience but also the financial expertise that is able to help guide us through the rapid pace of change that happens to a rapidly growing business. JR was not only able to help us getting our projections together in record time, he also stayed on top of every email, text and phone call with the level of responsiveness that you would only expect from someone who truly cares about his clients and is passionate about helping those who are just starting out.I would highly recommend JR’s service to anyone who needs it, but more importantly, I look forward to continuing to work with JR as our company grows in the future.\nWe own multifamily projects and recently one of our property management companies switched their software system making it hard for them to give us accurate financials during the transition. JR went right to work and was able to put together our correct financial statement and balance sheet. JR is very thorough, patient, hardworking, and is great at anticipating his client’s needs. We don’t know how we would have gotten through the issues we faced without him. We enjoyed working with JR and highly recommend him for any multifamily bookkeeping needs.\nMichael and Susan Allen\nWe are proud to announce that Patterson & Co. LLC was recently made part of the core management team of Regen Villages, a start-up based out Stanford University’s Graduate School of Business HSTAR unit.\nOne of my clients had urgent bookkeeping needs during one of the busiest times of the year – tax season. I asked JR if he could help, and he jumped right in! Both the client and I were very happy with JR’s work and timeliness. JR is very professional and is a complete pleasure to work with. I highly recommend JR for your bookkeeping needs!\nDan Faulk, CPA | Tax Partner | SingerLewak LLP\n100 West San Fernando St., Suite 275, San Jose, CA 95113 | T: 408.899.3910 | F: 408.295.3925 | http://www.SingerLewak.com\nThis is my second time with J.R. and Patterson & Co., LLC. In my most recent experience, J.R. proved invaluable once again. My CFO had given me incorrect information which caused me to make a lot of incorrect business decisions. I called J.R. who I had worked with seven years earlier and asked for his help figuring out where my business was financially. After giving me a true picture of my company’s financial condition, I replaced my CFO with J.R. and asked him to help get my company’s finances back in shape.\nHe found me a new CPA to handle my company’s taxes which had also been done by the prior CFO and also straightened out my sales tax issues. He set up a clean new set of books for my business and began reviewing my company’s key performance indicators with me on weekly basis in addition to helping me set up budgets and payroll spreadsheets. Most recently, he figured out why all of our A/R’s were negative in our Quickbooks software. He determined that the information from our catering software was imported incorrectly by accident by one of our staff people. In three hours he had the books clean again.\nI always tell J.R. that I have peace of mind for the first time in years because now I know where my business is financially. I can call him up anytime with questions about accounting and business and he always takes my call. I can just talk business with J.R., not only accounting.\nI would recommend him highly to anyone looking for a bookkeeper. He calls himself a bookkeeper, but trust me, he’s more than just a bookkeeper.\nAnthony Barr, Chef\nProprietor and Owner\nAGA Restaurant Group, Above and Beyond Catering\nPatterson & Co. is wonderful!\nI am so grateful for the patience, personal attention, flexibility, expertise and professionalism that were demonstrated during the implementation of our accounting system.\nI highly recommend this company; they helped our company develop and implement an accounting program that was structured to the personal needs of our business which consists of various multi-family properties.\nJ.R. Patterson was especially very instrumental in the actual hands on developing and setting-up of the program. Initially to me the thought of beginning this project was overwhelming and daunting; I was not sure where to start, but J.R. helped get me focused and organized so it did not become as horrendous of a project as I had originally anticipated. He worked directly with our CPA to get the necessary details of our past business practices of hand writing checks, receipts, tax filing, etc. to set-up our “move into the 21st century”. We now have all of our accounting done “live” on a very detailed & personalized computer program; it is so much more efficient and accurate than our past accounting practices. The continued service that I receive from Patterson & Co. is impeccable; some providers of such services take your money & run, but the continued support that I have with them is indeed outstanding. I am so excited about the results of his services I cannot thank him enough.\nLinda Vieira, BA, RN\nCFO, Vieira Enterprises, Inc.\nMy firm and I have worked with J.R. on higher level accounting systems implementations. I have found J.R. to be professional, knowledgeable, and exceeds the clients’ expectations when it comes to giving them what they need in an accounting system.\nDavid J. Neighbors, CPA MST\nGallina LLP, CPAs\nIt’s a big step to move from one accounting software program to another. JR and his team helped me move forward quickly and cost effectively both short and long term, and provided rich feedback. JR is and continues to be a reputable resource in the accounting field.\nKimberly Bordigioni, Corporate Controller, Food Industry\nIt has been my pleasure to work with J.R. and his team multiple times over the past decade. Not only are they professional, but each person has had the highest caliber of work ethic and accuracy which met and exceeded expectations. J.R. Helps the management team determine the actual scope of work, maps out a work flow process, and assigns the necessary resources to complete the job. I would recommend Patterson & Co. to any business that is looking to outsource their accounting needs and I look forward to working with J.R. and his team again in the future.\nFinancial Services Industry\nSan Francisco, CA\nJ.R. has been our bookkeeper since September 2005 and we have thoroughly appreciated his attention to detail and his excellent customer service. Because we travel quite often, we have come to trust him with running our private family office. We know that we can ask him a question at almost anytime and he will immediately get back to us with a response. He’s very reliable.\nAlong with our tax accountant, he helped guide us through an audit which we passed with flying colors.\nHe takes such a big burden off of us by handling all the day-to-day accounting and bookkeeping for our various investment properties. He makes all mortgage payments on time and has never missed a payment or made one late. He’s very organized and uses multiple checklists to manage the sixteen separate sets of books that we use. He prepares spreadsheets that help us analyze our refinance needs and opportunities.\nHe’s very responsive. Whenever we need financial reports for analysis purposes, even on very short notice, he has them ready for us to review. He has designed custom reports for us that are particular to our issues. He works very well with our tax accountant. We trust him to continue running our operations even when we are on extended trips.\nWe love J.R.\nName Withheld by Request\n“As a small business owner, I was originally skeptical of working with a bookkeeper–not because I didn’t need one, but because I was hesitant to let anyone see the disarray I called my “books” at the time (let’s face it, that shoe box could not have held another receipt if I tried). What a difference working with JR has made in both my business and state of mind! Not only is JR concise, professional and experienced in bookkeeping, he is knowledgeable in MANY areas of small business management and has a great network of professionals to refer out to. Now that my information is organized, I am empowered to make important financial decisions and analyze percentages with the click of a button–not to mention my tax accounting costs have gone down greatly due to the accuracy of the reports prepared by JR. The initial cost in getting my account set-up was far less than I expected it to be–and seeing how well JR works, I would have gladly paid twice that. I can’t even remember what things were like before JR (plus JR works with online records so even if you lose that shoe-box, you are assured greater accuracy than paper receipts alone).\nI can’t say enough about my experience with JR. Instead of being a source for anxiety, I am proud of my clean books and delight in exploring reports on Quickbooks. There are few things I am more excited to pay for–and few things that reap as many rewards as having a bookkeeper as skilled and knowledgeable as J.R. True story. Thank you!\nRebecca Jean Alonzi, Founder and CEO\nRebecca Jean Catering\nI have been starting and building successful businesses since 1985. I understand business and the importance of the bookkeeping component. Simply put, JR is the best bookkeeper I have ever had. His organizational skills are outstanding. But what I admire most about JR is his character, integrity, and principles.\nDavid Taylor, President and CEO\nRolling Umbrellas LLC\nArmanino McKenna LLP\n12667 Alcosta Blvd., Suite 500\nSan Ramon, CA 94583\n925-790-2600 ext. 7059\nJ.R. is superb! JR and his team are professional, reliable, and fun to work with. For a couple of years while our Accounting team was focused on infrastructure and scalability projects, we relied on J.R. and his staff to help ensure our day to day operations ran smoothly. With his proficiency in Quickbooks and on-site services, JR ensured that our vendors were happy and bank accounts in order. His fluency in Spanish also came in handy for managing our partners in Latin America. J.R. came to me as a recommendation, and what a remarkable recommendation it was!\nKaren Wong, Accounting Manger\nJ.R.’s service and staff allows us to focus our attention on our work and not get bogged down on the important and yet time consuming details of quality bookkeeping. Their experience and attention to detail kept us completely organized and most importantly focused on our business. I would highly recommend Patterson Bookkeeping to any growing or established business.\nWealth Management Client Service Coordinator\nSF Digital Studio\nI have worked with JR over 15 months. JR has been reliable, professional and flexible to learn our accounting software. JR is methodical and detail oriented.\nPresident of SF Digital Studio\nI own a small business whose customers demand rapid response to issues. I had incorrectly created an opening balance for a client and they required an invoice ASAP. I couldn’t print them a proper invoices with an erroneous balance. I called J.R. and within 15 minutes they resolved the problem over the phone without even looking at my file! I was able to print and send the correct invoice that day and my client was happy. Thank you J.R. You’re an asset in my book.\nMike Settell, President\nSustainable Resource Solutions\nChristopher’s Fine Catering\nThis guy is great! Always delivers. Always correct. Couldn’t manage my cash without him. He always gets back to me when I call him. Hires the best staff. Knows his stuff. Been my bookkeeper for the last 10 years. I never have to worry about my books. Can’t say enough good things about him and his company.\nChris Costello, President and Owner\nChristopher’s Fine Catering", "domain": "finance"}
{"url": "https://gsmonroe.com/2020/06/12/why-do-custom-made-instruments-cost-so-much/", "date": "2023-06-06T14:06:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652569.73/warc/CC-MAIN-20230606114156-20230606144156-00107.warc.gz", "language_score": 0.960456907749176, "token_count": 2589, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__259120390", "lang": "en", "text": "Why do custom built guitars cost so much?\nby Bruce Johnson\nI’m a pro Luthier/Builder. Most of you would consider me successful at it. I’ve been doing it nearly full time for 21 years, I have a good reputation, and I usually have a waiting list for my basses and services. But let me enlighten you with the ugly financial reality of this business. The net income numbers some of you are tossing around are pure fantasy. Most of us Luthiers make a net hourly pay less than minimum wage. When I visit my tax accountant every year, he shakes his head and tells me to shut it down and go get a real job. I’m not kidding.\nFirst things first: I’ve set a basic rate of $45 per hour. This is not my “pay”, it’s what’s called an Hourly Composite Rate for the business. I need to make an average of about $30 per hour for 40 hours per week, just to pay the overhead (rent on my building, utilities, insurance, etc.). Those are fixed costs that have to be paid each month. So, if I charge $45 per hour, and complete 40 hours of Billable Work (see below) in a week, my actual pay is really only $15 per hour. That’s $600 per week, which is less than most people with real jobs make.\nBut here’s the missing part: Trying to complete 40 hours of Billable Work in a week is much, much harder than it first appears. I only get paid $45 per hour for time spent actually at the bench, working on an instrument to be sold. I don’t get paid anything for answering the door, talking on the phone to customers, writing e-mails, writing on forums, sweeping the floor, sorting lumber stock, ordering parts, driving to the lumber yard, etc., etc. I get paid $0 per hour for all that time, but yet it’s all completely necessary to run the business.\nFor those of you who’ve never run your own business, that’s the fundamental difference between having a job and working for yourself. At a job, you automatically get money for every hour that you are there, almost regardless of what you do or how hard you work or how many parts you successfully make. Working for yourself, how much you make per hour is completely dependent on how many parts you successfully complete per week. You can seemingly bust ass all week and end up making almost nothing. In reality, I work about 80 hours per week, every week, and I’m doing well if I actually complete 40 hours of billable work. That’s a 50% ratio of Billable hours to Total hours, which isn’t bad for a small business. Many small businesses have a much lower ratio than that, like 20%-30%. But what it means to me is that I actually get paid only $7.50 per hour, for all those hours, and only if I complete those 40 hours of billable work.\nNow, most “real” businesses charge a much higher hourly rate. For example, most small auto repair shops charge $75-$100 per hour. The mechanic working there makes $20 per hour if he’s good. The rest of it is for the fixed overhead costs and that ratio of Billable Hours to Total Hours, like I described above. By any standard small business model, I should be charging $75-$100 per hour. When you think about it, my business is very similar to an auto repair shop in the size and costs. My next door neighbor used to be a one-man Porsche repair shop, and we used to compare notes. He charged $75 per hour, which he said was the minimum he needed to pay the overhead and take home a modest wage for himself. He thought I was completely nuts to be only charging $45 per hour. I mean, we had identical size shops, with the same overhead rates. I’m older than him with much more education and experience. I even used to be a Porsche mechanic!\nOkay, so why don’t I charge $75-$100 per hour, like I really should? Because you guys (the customers) won’t pay that much. It’s as simple as that.\nLook at it from the cost side:\nA hand-made custom bass neck takes 8-12 hours to build. I’m not speculating. I’ve built hundreds of them, and I keep very accurate time records. The raw materials (wood, metal, and fretwire) cost about $60. So, at $45/hr plus materials, I price a 10 hour neck at $510 plus shipping. That’s just for a basic custom bass neck. If I charged $75/hr, it would be $810. At $100/hr, it would be $1060. So, how many of you would pay $1060 for a custom neck? Just about none. But is that unreasonable? It’s the same quality of neck that you’d find on a $2000-$3000 bass. But if you read TB, you’d know that any neck over $250 is waaaay overpriced and not worth it. That’s the way this business is. Most instrument customers are completely spoiled by two decades of very cheap imports, and don’t appreciate the work and costs that go into building a custom bass. That’s the main reason why I no longer build custom necks at the retail level. It doesn’t make any sense financially.\nFull instruments are the same way. My new AMB-2 Scroll Bass, which I’ve just developed and introduced this year, takes me about 60 hours each to build. The materials costs are $320: (Case: $110; wood: $50; metal: $30; purchased hardware: $90; plating: $40). So, with those materials costs and charging $45/hr, I need to sell them for $3000. That’s about right for the market (I hope!), in terms of what customers are willing to pay. But at $75/hr, I’d have to get $4820, and at $100/hr I’d have to get $6320. It would be very hard to sell them at those prices.\nAnd that’s my simpler, lower-priced model. My fancy Series IV AUB-2 models that I built from 2006-2011 took 110 hours to build with about $400 in materials. I was selling them for $3900 and losing my ass on every one. That’s why I stopped building them. If I priced them at $100/hr, they would be $11,400. That’s nice to dream about, but not realistic.\nNow, I’m a little unusual as a builder, because I build almost everything myself. I make most of my own metal hardware (bridges, tailpieces, etc.), plus I build my own pickups from scratch, and do all my own painting, in addition to the woodworking. So, my cost numbers have higher labor hours and lower materials costs than most builders. If I were to offer a custom made high-end Fender-like bass, using purchased hardware and pickups, and still painting it myself, the costs would be around $700 for materials and 35 hours labor. At $45/hr, I’d have to sell it for $2275. To me, that’s about as low as you can go, a minimum realistic price for a custom made, basic pattern instrument. To me, any builder who sells for less than that hasn’t really counted up the labor hours. Or they have a shop situation with no overhead. More likely, they are trying to set their prices based on what customers are telling them, and not understanding how much money they are losing.\nAgain, that’s the nature of the business. Being a Luthier is a “Glamour” business. Lots of guys want to do it because it looks like fun. And it is fun and rewarding building basses. As a hobby or a tax-writeoff sideline. But trying to do it as a rational business to make a living from is just nuts. The finances don’t add up.\nIf all of the above isn’t depressing enough, that all assumes that everything goes great. Unfortunately, this business also has an enormous risk factor. When building an instrument, there are hundreds of ways that you can make a small mistake, and end up ruining weeks or months of work. A small slip in a router fixture, a bad piece of wood, misreading a dimension, dropping a tool on a finished paint job, forgetting some feature that the customer asked for, etc., etc. These tiny things can instantly cost you an entire weeks’ worth of billable hours, or more. Remember, this is a fixed-price business. If I agree to build you an AMB-2 for $3000, that’s assuming that it’s going to take me 60 hours to build. But that’s the best case scenario, with no mistakes. If I get a couple of spots of contaminant in my spray gun and end up having to repaint it twice to get it right (a true story), I end up spending 90 hours on that instrument. And nobody is going to pay for those extra 30 hours. While I’m repairing that damage, I’m not working on other billable hour jobs. And the overall problem is that there are so many fussy steps involved in building an instrument, that it’s nearly impossible to go all the way through the process without making any mistakes. Only after years of making the same instruments do you eliminate most of the mistakes. The financial penalties are huge, and you can easily get into a position where you’ve already lost so much money on an instrument that it seems pointless to finish it. If you know that you’re going to make less than $5 per hour, and you still have a long way to go, is it even worth it? Meanwhile, the customer is calling you every day asking if it’s done yet.\nAlso, custom build jobs always have ten times the potential for mistakes and labor over-runs. Trying to do custom builds on fixed prices is setting yourself up for huge losses. There are so many ways for things to go wrong and wipe out any money you would have made. That’s why I stopped doing custom builds a long time ago. Happy customers, beautiful basses, and $5 per hour. Most Luthiers, if they survive more than a few years, eventually move to building only their own models with a fixed set of options.\nI hope this helps you understand how the finances work in this business. And why we Luthiers can sometimes be cranky and evasive and refuse to answer the phone.\nMost small shop electric bass Luthiers effectively charge $35-$45 per hour. That’s driven by the market; what customers are willing to pay. Established guys like me get “paid” $15 per hour at best. Guys getting started are usually making approximately nothing. You can usually make better money just doing repairs, with some careful management. The setup guy at Guitar Center makes more than I do.\nSo, you’re probably wondering why I keep doing this. In 1995 I was making 100K at a corporate job. Last year, I busted ass all year and grossed about 55K. On paper, my “pay” was less than 5K, for the whole year! I barely paid the overhead and the groceries each month. I work 7 days a week and hardly have any money left over to play with. I couldn’t possibly support a family or a wife doing this. But I’m okay with that. I’m a hermit mad scientist wacko type, and I’ve chosen this lifestyle. It’s just me and my dog, in a building full of machines, making cool stuff day and night. This is how I want to spend the rest of my life.", "domain": "finance"}
{"url": "https://internalaudit.eku.edu/audit-charter", "date": "2018-07-18T06:30:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590069.15/warc/CC-MAIN-20180718060927-20180718080927-00225.warc.gz", "language_score": 0.9371225833892822, "token_count": 539, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__203251917", "lang": "en", "text": "The Office of Internal Audit provides independent and objective assurance and consulting services designed to add value and improve the operations of the University and its affiliated organizations. Internal Audit helps the University accomplish its objectives by bringing a systematic, disciplined approach to evaluate and improve the effectiveness of the risk management, control, and governance processes designed by management to meet the financial, strategic, and operational objectives of the University.\nIndependence and Authority\nThe Director of Internal Audit reports to the President and has direct access to the Chair of the Finance Committee of the Board of Regents. These relationships assure departmental independence, promote comprehensive audit coverage, and assure appropriate consideration of audit recommendations.\nInternal Audit is authorized to review all records of the University and its affiliated organizations and has full and complete access to all University activities, records, property, and personnel reasonably necessary to perform the responsibilities of this function. Internal Audit has no direct responsibility or any other authority over the areas it reviews. An audit or review does not substitute or relieve other University personnel from their assigned responsibilities.\nScope and Responsibilities\nThe scope of work of Internal Audit is to determine whether the University’s network of risk management, control, and governance processes, as designed and represented by University management, is adequate and functioning effectively. Internal Audit will:\n- Perform reviews of operations and programs to ascertain whether resources are acquired economically, employed effectively, and adequately protected and that results of operations are consistent and aligned with defined goals and objectives.\n- Perform reviews and evaluations of the system of internal controls to ensure controls are adequate.\n- Determine compliance with policies, procedures, applicable laws and regulations, and generally accepted accounting principles.\n- Evaluate the reliability and integrity of financial, managerial, and operating information and the means used to identify, measure, classify, and report such information.\n- Provide management advisory services during the planning, design, development and post-implementation of significant accounting or administrative systems to ensure adequate controls are implemented, documentation is complete, systems are thoroughly tested before implementation, and projected benefits are realized.\n- Perform reviews of contractual agreements to ensure the propriety of payments and compliance with significant contract provisions. Review the books and records of contractors, where appropriate, to validate charges and identify any potential overpayments.\n- Provide consulting services ranging from formal engagements to advisory activities, such as serving on management committees or participating in special projects and problem-solving task teams.\n- Advise the President and the Chair of the Finance Committee of significant risks that management is not willing to resolve.\n- Follow up to ascertain that appropriate action is taken on reported issues.\n- Assist in the investigation of significant suspected fiscal misconduct.", "domain": "finance"}
{"url": "https://www.agnewcars.com/bmw/servicing-parts/service-plans/", "date": "2020-02-17T01:15:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875141460.64/warc/CC-MAIN-20200217000519-20200217030519-00340.warc.gz", "language_score": 0.9187864661216736, "token_count": 231, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__94426375", "lang": "en", "text": "BMW Pay Monthly Servicing Plan\nAt Bavarian BMW based we offer a range of servicing and maintenance options to help you keep your car in the best possible condition while keeping your costs affordable.\nPlanning for the road head has never been easier. With BMW Pay Monthly service removes the uncertainty often associated with servicing. Tailored specifically to your BMW’s exact requirements, costs are frozen for the term of the plan, protecting you from inflation and giving complete peace of mind.\nBenefits of the BMW Pay Monthly Servicing Plan\n- Fixed, inflation-proof service prices for the duration of your plan\n- Cover tailored to your BMW’s exact servicing requirements and chosen plan duration\n- Protection of your BMW’s resale value with a full BMW service history\n- Peace of mind that your servicing costs are covered\n- The option to transfer the plan to your new BMW or your BMW’s next owner, should you sell\nTerms & Conditions\nIndividual to each vehicle. Contact member of our service team for more information. *Example based on a 2017 BMW 116d with 8,000 miles per year.", "domain": "finance"}
{"url": "https://affiliate.qavashop.com/", "date": "2023-12-04T10:00:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100527.35/warc/CC-MAIN-20231204083733-20231204113733-00438.warc.gz", "language_score": 0.9100871682167053, "token_count": 732, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__143486714", "lang": "en", "text": "Why join this program?\nWe don’t limit you to a specific number of customers. We are looking to build a long-lasting relationship.\nJoining our affiliate program is totally free! There is no hidden cost associated with joining our program.\nOur affiliate program is easy to join. Click register and start making money!\nHave a Question?\nDon’t hesitate to contact us.\nQavashop Affiliate Program helps content creators, publishers, bloggers, and coffee enthusiasts the opportunity to earn a commission by referring their audience to Qavashop. With hundreds of products available on Qavashop, as an affiliate, you should use your referral link to direct your audience to your recommendations. You will earn a commission when a customer makes a successful purchase! through your link. Join the program now and be our partner\nAll you need to join us is a device, an internet connection and audiences to share your link with them.\nQavashop welcomes anyone to be our partner in this Program! You can register as an affiliate by clicking here.\nAfter registering, our team will review your request, and after accepting you into the program, you will receive an approval email containing your referral link. Once you access our affiliate platform, you will see multiple sections in the left-side banner that help you measure, track, and expand your influence.\nThese sections include:\n- Dashboard: Display a summary of your performance in the last 28 days.\n- Reporting: Displays affiliate earnings details broken down by date, clicks, approved conversions and their amounts, and the amount of commission you will get for each conversion.\n- Assets: In this section, you will find your affiliate link for Qavashop website to share it with your audience. Also, you will find other links, like top-selling items and main categories.\n- Payouts: You can follow up on the payouts of your commissions on this tab.\nThere is a commission paid on each sale. The sale commission is 5% of the total price of successful purchases (After confirming no return or cancelation occurred to the order). The commission rate can be changed by Qavashop at any time. Changes to the rate will be sent to the email and posted on the dashboard.\nNo, you will receive a commission only when Qavashop Fulfilled items are purchased through your affiliate link.\nThe primary means for transferring the commission is Bank transfer. We will transfer your accumulated commission that exceed 200 SR for affiliates inside Saudi Arabia and 1000 SR for affiliates from outside, will be paid once a month.\nTo set your bank information go to your dashboard view: Profile icon > Payout method> New payout method.\nNow you will need to fill in your bank details, including: Bank Name, Account Name, Account Number, IBAN.\nYou can direct your audience to specific products of your interest by simply adding the referral part to the end of the URL of any page on Qavashop website. You can do that easily by following the example:\n- The primary referral link : https://qavashop.com/en/?ref=affiliatename\n- The referral part : ?ref=affiliatename\n- The page you want to deep link : https://qavashop.com/ar/coffee/\n- Add the referral part to the end of this page: https://qavashop.com/ar/coffee/?ref=affiliatename\nNow you can share your link with your audience!", "domain": "finance"}
{"url": "https://rragency.org/", "date": "2021-07-28T17:58:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153739.28/warc/CC-MAIN-20210728154442-20210728184442-00020.warc.gz", "language_score": 0.9624128937721252, "token_count": 1241, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__199295895", "lang": "en", "text": "I am sure you will agree that now is the time to make sure your health coverage is adequate and cost effective.\nOur plan offers a $0 deductible and no copays for doctor office visits and testing. Telemedicine is the new big thing. We have had it at no cost for years.\nWe save clients 40% to 60% when compared to Obama Care and older plans with high renewal rates.\nWe pay up to $6,000 per day for hospital room and board. And cover all other services at 2x Medicare rates.\nFor 40 years I have met with each client personally. We can make sure you understand our plan by teleconference. Once the virus scare is over, I still plan on meeting all my clients personally.\nLEARN HOW I CAN HELP YOU WITH YOUR INSURANCE NEEDS\nR & R Agency was founded in 1981 by Ron Richards.\nWe have since been National Sales Leaders for several companies every year. During his 40 years in the insurance business Ron has also owned and operated several successful small businesses (trucking company, country club, bar and restaurant, and auto detailing).\nWe know what is it like to pay our own insurance premiums\nand how hard you have to work to be successful.\nThank you for taking the time to visit our website. We have a unique Health Insurance Program written outside of the Obama Care Guidelines.\nBy insuring people that are within reasonable health guidelines and letting our customers select the coverages they want and need, our premiums are often one half of Obama Care's with much lower out of pocket expenses.\nIt is our desire to communicate personally with all of our clients and we hope that this website will facilitate that communication.\nOnce we have minimal personal information (age, zip code, smoker or non smoker and email) we will forward a premium quote along with coverage information for you to review.\nOnce you have had time to review this information, we ask that you allow us to schedule a short phone conversation to answer your questions and make sure you understand the options available to you.\nPlease visit our FAQ section for more information. Thank you again. We will work hard to be worthy of your trust.\nDo not let the Federal Government and their big insurance company cronies tell you that you have no other option. Now you do!\nQ. Who would be my Insurance Company?\nA. Philadelphia American Life Insurance Company underwrites the bulk of our program. They are highly rated by AM Best and have a long record of excellent customer service. (see www.neweralife.com health saver plus section).\nQ. Can I qualify medically for this program?\nA. The underwriting guidelines are very lenient. If you do not have a major illness or facing major surgery you will probably qualify.\nQ. Will I have to take a physical or submit medical records?\nA. No. We simply ask you a few medical questions and submit them to the company. For your protection, the company will verify your answers are correct. That is it.\nQ. Should I wait to see what congress will do about changing or repealing Obama Care?\nA. Absolutely not! Washington will not risk losing the votes of the millions who are getting a free ride on the backs of hard working Americans who are footing the bill. They will not change the preexisting conditions coverages or the Federal subsidies (your tax and premium dollars). These two factors alone are major reasons why the Obama Care premiums and deductibles are so high.\nQ. Will I have to pay a penalty?\nA. No, recent legislation has repealed the penalties under Obama Care for individuals.\nQ. Why are your premiums lower?\nA. First, we only insure people who are reasonably healthy. Second, we only write coverages that you want and need. Example: Does a 50 year old married couple really need to pay for maternity coverage? Do you need coverage for drug rehab, abortions etc.?\nQ. What happens if I get sick?\nA. Our program is guaranteed renewable and we cannot single you out for a rate increase regardless of health problems.\nQ. Do I have to pay money upfront?\nA. No, you will not be charged anything until you have been approved for coverage. Additionally, you have 10 days to review your policy. If the policy is returned, your premium will be refunded.\nQ. Will this process take a lot of my time?\nA. No, a short 5-10 minute phone interview is all that will be required. We will schedule your interview at your convenience. We work early and late. Note: It's ironic that we work so hard in order to pay for the ridiculously high insurance premiums that we don't have the time to look for something better.\nQ. Where can I use my coverage?\nA. You may go to any doctor or hospital; however, if you stay within the Physicians Health Care Service Network, you will receive large discounts on your medical bill. Note: PHCS is the largest network in the Midwest.\n\"I'm not old; I've just been around a long time.\"\n\"Do not tell me I can't.\"\n\"I'm too busy working. I don't have time to save $$.\"\n\"I'm from the Federal Government and I'm here to help.\"\n\"If we had term limits, politicians would not spend all their time trying to get reelected.\"\n\"If a politician can enter office with modest assets and leave a millionaire why wouldn't he become an investment counselor?\"\n\"If you are not open to change do not tell me you're unhappy with your present position.\"\n\"Too good to be true\"\nThe above statement is the most over used and ridiculous statement known to man. When most people say, \"It's too good to be true\", they are thinking why didn't I think of that. Most of the good things we enjoy in life were once thought to be \"too good to be true\". Example: air travel, internet, the automobile...", "domain": "finance"}
{"url": "https://www.controllaser.com/services/financing/", "date": "2024-04-20T03:06:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817474.31/warc/CC-MAIN-20240420025340-20240420055340-00226.warc.gz", "language_score": 0.9190506339073181, "token_count": 392, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__125528146", "lang": "en", "text": "Competitive Laser Machine Financing\nControl Laser Corporation has established a leasing program that will get your production line started in no time.\nCustomer financing is provided through CLC Financial Services program relationships with top Bank and Independent Lenders & Lessors. Our financing alliances are industry and equipment experienced and provide a competitive range of Finance or Capital leases, Operating leases, Loans and Term Rentals with Terms 36 to 84 months.\nAdvantages of Leasing\nWith a lease, you are able to upgrade to the latest technology after the lease expires. Easily compete with competitors with the latest.\nNo large up front costs for small and large businesses. Leasing laser equipment has never been easier!\n100% Tax Deductable\nThe IRS Tax Code allows a corporation to deduct the full purchase price for equipment purchased or financed in the current tax year.\nPreserve Business Credit\nEquipment Leasing is an Alternative Source of Funds that lets you keep your business credit line open and strengthen the cash flow of your business.\nBanking Partnerships with Competitive Rates\nSome of our funding relationships are US Bancorp, Wells Fargo, Peoples Capital, Vision Capital, Kingswood Leasing, M-2 Leasing, Omni Leasing and others.\nApplication and Credit review for up to $350,000 in equipment cost is with “Application Only”. Simply complete the attached CLC Financial Services application and submit using email or fax. Upon completion of a credit determination which is usually within one day, a term sheet with the approval terms and alternative finance options will be provided for your review prior to documentation for your equipment funding.\nNon-Application Only Requests\nFor other, non application only requests simply complete the attached CLC Financial Services application and submit. We will contact you to discuss the additional needed financial information to process a standard credit review for your financing.", "domain": "finance"}
{"url": "https://www.thesiriusreport.com/uncategorized/need-professional-financial-advice/", "date": "2022-07-05T05:36:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104514861.81/warc/CC-MAIN-20220705053147-20220705083147-00276.warc.gz", "language_score": 0.9805556535720825, "token_count": 272, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__199325909", "lang": "en", "text": "We often get requests from readers who ask us if we can help them regarding their financial investments, specifically precious metals. Since we are not legally allowed to give such advice we unfortunately are unable to help anyone with these matters. However, one of our good friends and members, Sonny Rains, happens to be a certified financial planner based in the US who is therefore legally allowed to offer such advice. Upon discussion with him, we have decided to advertise his services on our site and in return split any revenue generated from these services on a 50/50 basis, which is a very kind gesture on his behalf to support our work.\nIf you are interested and you would like to read more information, a document is enclosed below which contains information specific to precious metal investments:\nIf you wish to contact Sonny please find all his details within this document. We will not reproduce them here due to the risk of spamming.\nYou can also listen to this podcast that we recorded with Sonny:\nWe trust you will find his advice constructive and valuable as he always has his clients’ best interests at heart. We would not make such a recommendation if we thought otherwise.\nPlease note that The Sirius Report is not liable for any investment decisions that you may choose to make. Those are between you and your financial advisor should you choose to avail yourself of their services.", "domain": "finance"}
{"url": "http://axiompersonnel.co.uk/jobs/customer-services/detail/customer-services-administrator-insurance-experience-preferred", "date": "2018-02-24T02:04:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891815034.13/warc/CC-MAIN-20180224013638-20180224033638-00600.warc.gz", "language_score": 0.9342055916786194, "token_count": 423, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__238387614", "lang": "en", "text": "Customer Services Administrator - Insurance experience preferred\nHere at Axiom, we are currently recruiting for a Customer Service Administrator to work in a busy and rapidly expanding Insurance company based in South Hornchurch. The company are looking for someone ideally with a basic grounding within Insurance atleast, and the hours will be Monday - Friday. As the company grows they will be able to offer various progression opportunities and be able to invest in their employees futures by putting them through different insurance qualifications. The main objective of the role is to ensure that the companies clients are provided with fantastic assistance on all issues relating to their policy and to ensure the timely and detailed processing of paperwork from both the clients and customers. This will include;\n- Dealing with customer enquiries and complaints in a courteous and helpful manner\n- Being responsible for the smooth running communication between insurer and customers with any matters regarding a policy\n- Full administrative support to both new and existing sales teams\n- Ensuring that company in-house systems are kept up to date and following any instructions when is comes to the system\n- Responding in a timely manner to customers and insurers enquiries via telephone, post and email.\n- Keeping up to date with all of the organisation's products and services to ensure a fantastic product knowledge is provided to customers\n- Demonstrate a pro active and professional attitude\n- Ensure all important business activities comply with FCA regulation and company procedures.\n- Use checklists and support documentation as provided by the company to assist with demonstrating compliance.\nThe perfect candidate;\n- Fantastic communication skills, face to face and over the phone\n- Experience within the insurance industry(atleast a basic grounding)\n- Experience adhering to FCA regulations\n- A passion for customer service\n- A keen eye for detail\n- Experience in both customer service and administration\n- Strong computer literacy skills\n- Team player\nPlease apply today for immediate consideration!!\nSalary: £14,000 - £17,000\nFor more information or if you would like to apply for this job, please use the links below.", "domain": "finance"}
{"url": "https://www.bidsandtenders.com/buyers/resources/webinar-don-t-budge-from-the-budget-how-eprocurement-can-help-municipal-budget-shortfalls/", "date": "2023-12-02T06:27:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100327.70/warc/CC-MAIN-20231202042052-20231202072052-00827.warc.gz", "language_score": 0.8851045966148376, "token_count": 181, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__234651539", "lang": "en", "text": "Don't Budge From The Budget: How eProcurement Can Help Municipal Budget Shortfalls\nAs recovery from COVID-19 begins to take shape, municipal governments will need to focus on ways in which they can shrink budget deficits, while also continuing to serve citizens.\nThis webinar will address how eProcurement can help public procurement officers work within these budget constraints and manage:\n- Lost revenues\n- Administrative strain\n- Wasted time\n- Low competition\n- Taxpayer accountability\n- Supplier diversity\n- Cooperative purchasing\n- Stimulus spending and incentives\nInformation from this webinar will give agencies actionable tips to navigate budget shortfalls and recovery.\nThis webinar is now complete. Please provide your contact information to receive the recording link.\nNo time to watch the webinar? Download the infographic for some quick tips on how to improve procurement evaluation:", "domain": "finance"}
{"url": "https://pay.bitcoinvn.io/", "date": "2021-06-15T14:59:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487621450.29/warc/CC-MAIN-20210615145601-20210615175601-00283.warc.gz", "language_score": 0.9428539276123047, "token_count": 113, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__90147220", "lang": "en", "text": "We handle the payments, conversions, price and market fluctuations. You can focus on your business while providing more payment options to your customers.\nAccept payments from anywhere in the world. By leveraging the global networks of Bitcoin and other cryptocurrencies, no market is outside of your reach.\nAll your payments are converted into local currency and deposited into your account. You can withdraw your balance to your bank account at any time.\nYou can also offer cryptocurrencies to your customers. Our API allows you to purchase Bitcoin and other cryptocurrencies and send them directly to your customer's wallet.", "domain": "finance"}
{"url": "https://momconstruction.ie/types-of-home-insurance-needed-for-house-renovations/", "date": "2023-09-27T14:09:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510300.41/warc/CC-MAIN-20230927135227-20230927165227-00404.warc.gz", "language_score": 0.9686145782470703, "token_count": 724, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__186788810", "lang": "en", "text": "Are you planning major renovation work to your home? If so, it is a good idea to purchase home insurance to offer you peace of mind while renovating your home. It is essential that you inform your home insurer that you are renovating your house, it may show that your policy may not cover you if someone makes a claim against you while working on your home. This also applies to whether you decide to stay living in the house while the renovations are being carried out. Something happening to your home and your belongings inside is a risk and it will increase while renovations are being carried out. You must inform your insurer about any renovating as the rebuild costs to the house could be affected. Your insurance company wants to ensure that you are covered with the right level of cover to protect you and your home. You can learn more from top insurers in Ireland on their websites. Let’s look at the types of home insurance that you would need for a house renovation.\nBuildings insurance protects the structure of your home, as well as any permanent fixtures such as your roof, kitchen fittings, and the bathroom. This extends to outdoor buildings as well as sheds, walls, gates, fences, and garages. It is not a requirement legally, however, if you have a mortgage on your home your lender will insist that you have buildings cover in place for your peace of mind and protection.\nContents insurance will protect all the belongings inside the home in the event any of your contents become damaged or stolen during the house renovation. Contents include furniture, TV, expensive items, jewellery, electrical appliances, and more. It is important to work out how much all your contents add up to and the best way of doing this is to go room by room and provide your insurer with an estimated figure to place on your home insurance policy.\nPublic liability Insurance\nPublic liability should be obtained if you are renovating the home. It is essential to make sure that you won’t be solely responsible for injuries to contractors or builders in the event someone would make a claim against you. Public liability also protects you against damage to their property which may be caused by your house renovations. If an accident occurs on your premises you will be covered for medical bills, repair costs, and legal costs to the damaged property. This will give you peace of mind that you are covered under your policy.\nHome Renovation Insurance\nA Home renovation insurance policy covers you for the following:\n- Public liability insurance – if someone becomes injured at your home during the renovations, however, it does exclude any injury that occurs as fault of the home renovations project.\n- The existing parts and structure of the building that is not being renovated.\n- Cover for explosion, fire, and earthquake once it is not caused by the home renovations work.\n- Damage that is malicious – during the renovations if the property is left unoccupied you will not be covered.\n- If your building is unoccupied you will be protected under your home renovation insurance policy.\n- Protection for structural damage – if any issues occur during the renovating work, once the property is not unoccupied and that the damage to the structure of the house is not caused by the renovating to the property.\nOne of the most valuable possessions you own is your home. It has all your comforts, memories, and belongings inside. Therefore, it makes sense to have your property covered with a home insurance policy. It isn’t a legal requirement, but it should always be taken into consideration to protect your home.", "domain": "finance"}
{"url": "https://www.sbpg.net/CivicAlerts.aspx?AID=362", "date": "2019-12-11T08:50:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540530452.95/warc/CC-MAIN-20191211074417-20191211102417-00521.warc.gz", "language_score": 0.9478673934936523, "token_count": 342, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__99952662", "lang": "en", "text": "This new portal will allow for more options and flexibility, especially when and how payments can be made. It will allow customers to pay via e-check or credit card AND you will also be able to call an automated service to make secure payments over the phone.\nThe new portal is just Phase 1 of the process. Phase 2 will allow our customers to choose paperless billing as well! This will help reduce waste as nearly 30% of customers currently pay their bills online. We currently plan to release paperless billing before the end of the year. We will notify customers on the website once this service becomes available.\nPlease be aware that all customers will have to sign up again on the new payment portal. Your online account WILL NOT automatically transfer over.\nAutomated Phone Payments - 1 (833) 440-8630\nIn order to ensure a smooth transition, we need to accurately inform everyone how the transition will occur. Beginning November 1, 2019 all customers will no longer be allowed to log in to the old website and you will be able to register on our new site at that time. Any payment submitted to the old website prior to November 1, 2019 that is to be posted in the month of November will still be posted and received. Any payment that is scheduled to be processed after November 30, 2019 will be purged from the system and a new payment must be submitted through our new online portal.\nIt is important that all customers that make payments online – whether on auto pay or not – sign up for the new website as soon as possible beginning November 1, 2019. If you have any additional questions please contact the Water & Sewer billing office at (504) 271-1681.", "domain": "finance"}
{"url": "http://makerfaireafrica.com/our-sponsors/", "date": "2017-04-29T13:21:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123491.79/warc/CC-MAIN-20170423031203-00078-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9236173033714294, "token_count": 143, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__43925068", "lang": "en", "text": "Sponsorship of MFA helps nurture and support the self-sustaining start-ups of tomorrow. Building interest in underdeveloped but key industries of technology, chemical and biotech will allow further engagement with academia, industry, government, and investor participants. Your company or organization will participate in a unique creative endeavor, which will attract leading edge interest from industry, finance and academia. In addition you will have the opportunity to meet, interact and showcase with the thought leaders that are driving innovation, ingenuity, fabrication and industrialization in Africa.\nContact us at : email@example.com to request a copy of our 2012 Sponsorship Guide or to discuss opportunities for you or your organization to get involved!", "domain": "finance"}
{"url": "http://forthsettbanglacy.tk/?id=3891", "date": "2021-10-22T03:09:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585450.39/warc/CC-MAIN-20211022021705-20211022051705-00491.warc.gz", "language_score": 0.6525607705116272, "token_count": 810, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__241226052", "lang": "en", "text": "Alfa-Forex’s requirements for this platform is a deposit of at least $300 and a maximum leverage of 1:100. Alfa-Forex’s mobile trading platforms makes it possible for customers to trade on the Forex market via a smartphone, tablet, and other mobile devices. HOW TO OPEN AN ACCOUNT . The Alfa-Forex review is simple and easy. Alfa Financial is a regulated online broker for Forex, Futures, CFD and Currency Trading. Trade Forex in Dubai with Alfa Financial Alfa Forex is a Forex and CFD broker owned and operated by Alfa Capital Holdings (Cyprus) Limited, with an address at Themistokli Dervi,5, Elenion Building, 2nd Floor, 1066 Nicosia, Cyprus. AlfaForex contact phone number is +357 22 470 969. Alfa-Forex is an important part of Alfa Group Consortium. Alfa Group was founded in 1989 and is one of the largest privately owned financial-investment conglomerates in Russia. At this point, the reliability of Alfa Group is rated A++ by Expert RA, a well-known rating agency. Онлайн-торги валютными парами на официальном сайте Альфа-Форекс. Еженедельные прогнозы, ежедневные разборы финансового рынка, аналитика, вебинары, обучение начинающих трейдеров.\nAPLUS Регистрация личного кабинета в Alfa-Forex - YouTube\nAlfa Trend Indicator has specially designed for the newbie trend following traders. this indicator is ideal for those who struggle a lot with many complex indicators that creates the confusion of ... ️ Alfa-Quant foreign exchange trading robot is a revolutionary automated forex trading robot (forex expert advisor, EA) based on neural network. 🆗 Consistent profits, low risk and loss ... Официальный канал финансовой компании Alfa-Forex. Наши эксперты ежедневно размещают на этом канале ... Karl Dittman released Alpha Scalper for Forex and I have been asked what I think about it. Is it a scam? ... Alfa Scalper Review and Tips how to use - Duration: 4:31. Elmira Meyer 911 views. Ссылка для регистрации личного кабинета в Alfa-forex https://my.alfaforex.com/ru/registration/index?partner_id=72712", "domain": "finance"}
{"url": "https://www.sylviayoungtheatreschool.co.uk/page/?title=Fees+%26amp%3B+Online+Booking&pid=105", "date": "2024-04-19T15:19:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817438.43/warc/CC-MAIN-20240419141145-20240419171145-00780.warc.gz", "language_score": 0.9509463906288147, "token_count": 273, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__175518807", "lang": "en", "text": "Fees & Online Booking\nWednesday Evening Drama Classes: £114.00 per term. This includes a £2.00 booking fee. A term consists of 11 sessions.\nAll fees for classes must be paid in full when rebooking. Please note that an additional fee of £2.00 is charged for any booking which is transferred to an alternative course. This fee is paid to Active Works booking system and is non-refundable.\nPlaces not rebooked by current students will then be offered to new students on the waiting list.\nCURRENT STUDENTS - REBOOKING NOW CLOSED FOR APRIL 2024\nA deposit of £30 per subject when booking is required. A booking fee of £2.00 applies during online registration and is non-refundable. Please note that an additional fee of £2.00 is charged for any booking which is transferred to an alternative course.\nRefunds once I accept a place\nOnce you have accepted a place when offered, your £30 deposit becomes non refundable. Refunds of fees minus the deposit for any cancelled bookings will only be made on request during the first three weeks of term, after which time no refunds are made.\nNEW STUDENTS - Click here to join the Adult Classes Waiting List for April 2024", "domain": "finance"}
{"url": "https://www.biscottitumminello.it/en/terms-of-payment/", "date": "2023-12-08T02:23:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100710.22/warc/CC-MAIN-20231208013411-20231208043411-00197.warc.gz", "language_score": 0.9442351460456848, "token_count": 276, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__248760929", "lang": "en", "text": "Advance payment by bank transfer\nWith the confirmation of the order we send our bank details. As soon as payment has been received (please indicate the order number in the reason for payment without spaces or special characters) we will be able to start the production and shipment of the order. Receipt of the transfer can take two to three working days. Once the amount has been received, we will send a confirmation e-mail.\nOur bank account details:\nCooperative credit bank “San Giuseppe”, Castelbuono\nIT 18 V 08976 43220 000000302342\nIf you opt for payment with PayPal, during the order phase you are automatically forwarded to the secure PayPal website and, after the payment has been completed, back to our site.\nPay by credit or debit card\nYou can choose to pay for your order by credit card or debit card.\nAll transactions are controlled and managed by PayPal , the world’s leading platform in the field of e-commerce payments. At the time of order confirmation, a page that resides on PayPal’s secure server will automatically be displayed where you can enter your credit card details.\nWe accept all major credit cards such as Visa and MasterCard.\nPayments via PostePay and many rechargeable cards relating to the Visa Electron circuit are also accepted.", "domain": "finance"}
{"url": "http://girdlers.co.uk/charity.html", "date": "2017-10-22T07:58:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187825154.68/warc/CC-MAIN-20171022075310-20171022095310-00455.warc.gz", "language_score": 0.9535174369812012, "token_count": 125, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__232938048", "lang": "en", "text": "The Girdlers’ Company is the Trustee to the Girdlers’ Company Charitable Trust. The Company makes regular and significant Gift Aided donations to the Trust which makes donations and grants to a range of charities with which it has long standing and close relationships.\nThe Trustee is undertaking a review of its grant making. One of its decisions during this review has been to close its current open application process in which it made annually 20 one-off grants of around £1,000. Once the review is complete, not expected before 2017, it will announce any new open application programme on this page.", "domain": "finance"}
{"url": "https://www.legacymortgagellc.com/adjustable-rate-mortgages-why-they-might-be-perfect-for-you", "date": "2024-02-23T13:21:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474412.46/warc/CC-MAIN-20240223121413-20240223151413-00843.warc.gz", "language_score": 0.956946074962616, "token_count": 1173, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__71577728", "lang": "en", "text": "An Adjustable Rate Mortgage (ARM) is often viewed cautiously by borrowers shopping for a loan product. An ARM product does come with some variables that can make people nervous. However if you are shopping for a home in today’s market it is wise to evaluate all the loan programs on the table including ARMs because they may actually be the best scenario for you.\nWhat is an ARM\nAn ARM is designed to be a fixed rate for a set period of time and then the rate would adjust for the remainder of the loan term. The most common ARM terms are a 5/1 ARM, 7/1 ARM and a 10/1 ARM.\nThese products would have a set interest rate for the first 5, 7 or 10 years of the mortgage and after that period the interest rate would adjust periodically (up or down depending on the market) for the remainder of the life of the loan.\nAn ARM is presented with an initial interest rate that is below the market rate for a fixed mortgage product.\nThis is in contrast to a fixed rate mortgage where the mortgage rates stays the same for the duration of the loan term. Fixed rate mortgages typically come in 15, 20 and 30 year increments.\nWhy Would I Ever Choose an ARM?\nARM’s seem worrisome for some borrowers. Buying real estate can be an emotional and often stressful process so a fixed rate mortgage feels safer. However according to the Financial Samurai in 2022 the average home owner has been in their home for 10.5-13 years. In the early 2000’s homeowners typically stayed in the home for approximately 4-5 years. Still, according to the US Census Bureau, only 37% of Americans have lived in their home for more than 10 years. Even the post pandemic statistics confirm that an ARM is a beneficial mortgage solution for many borrowers.\nWhat does this tell us? If you are reviewing your loan options you might consider how long you expect to stay in the home you are purchasing. If it is likely that you will move from the area or into a new home in 5 – 10 years after purchasing your home then an ARM might be a better choice.\nThe Pros and Cons\nFixed Rate Mortgage –\n- Set interest rate that will not change for the life of the loan.\n- No rate change surprises if the market changes drastically.\n- Consistent payment that is easier to budget for.\n- Can be harder to qualify for.\n- If interest rates decrease you can refinance into a new loan program to lower your rate.\nAdjustable Rate Mortgage –\n- Initial rate is set below fixed rate mortgages for upfront savings.\n- After the initial term, the rate will adjust with the market so it could go up or down.\n- Typically much cheaper than a fixed rate mortgage for the first 5-10 years.\n- Harder to budget for when the rate starts adjusting.\n- If interest rates decrease you can get the lower rate without refinancing.\nThere are benefits to both an ARM and a fixed rate mortgage. The decision becomes much clearer if you have set goals for homeownership and the property you are buying. Unless you’re buying your forever home an ARM is at the very least worth the consideration.\nLearn the Lingo\nWhen looking into ARMs it is helpful to have the basic knowledge on common terms that will be presented to you.\n– Adjustment Frequency: This will outline how often the rate will be subject to adjustment after the fixed term has concluded. Examples would be every 6 months or annual adjustments.\n– Caps: An ARM will typically have some caps. There will be a cap on how much the interest rate can increase each adjustment period and there will be a cap on how much the interest rate can adjust over the life of the loan.\n– Ceiling: This would refer to the maximum the interest rate would be allowed to adjust to over the life of the loan.\n– Floor: This would refer to the minimum interest rate that would be allowed regardless of the rate market conditions.\nUnderstanding these terms will give you a better idea of how your ARM will play out over the course of the loan and help you decide if you feel comfortable moving forward with this loan type.\nFixed Rate or ARM?\nIf you are considering what loan type to choose it’s best to sit down and make a rough outline of your vision for the property you are buying and discuss the options candidly with your loan officer.\nThe biggest advantage of an ARM is the lower initial interest rate. If you plan to stay in the home long term you will want to check in on the interest rate market from time to time to determine if it might be a good time to refinance into a long term fixed rate.\nIf you are buying a home while you attend college or medical school or if you have taken a temporary position with the goal to relocate in the future, an ARM may be the perfect choice for the time you’ll spend in the home.\nContact your loan officer today to talk out all your options and our team will help you determine the best loan program for you.\nIf you are looking to buy a home in the current Upper Valley real estate market, you need a team of local real estate experts on your side. Our team is well versed in a variety of loan programs including fixed mortgages, ARMs, VA loans, FHA and more! We have the privilege of partnering with the best local agents, appraisers and attorney’s the Upper Valley has to offer. When you work with Legacy Mortgage you are working with the best local professionals from beginning to end. Reach out to the Legacy Mortgage team to get started get the loan process started. Call us today, 603-643-7400.", "domain": "finance"}
{"url": "https://tiac.travel/membership_benefits.htm", "date": "2023-01-28T22:38:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499695.59/warc/CC-MAIN-20230128220716-20230129010716-00090.warc.gz", "language_score": 0.922142744064331, "token_count": 238, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__305795172", "lang": "en", "text": "Investing in Success\nThe Tourism Industry Association of Canada has partnered with a number of leading national suppliers to provide the highest quality services to our members at fantastic rates.\nElavon delivers reliable and secure payment solutions to help businesses succeed in an increasingly complex marketplace. By serving as a single source for payment processing, Elavon sets new standards in convenience, reliability and innovation.\nPragmatic is a leading provider of audio, web and video conferencing services. TIAC members pay only $0.068/minute, with toll-free access, billed exactly to the second, with no miscellaneous fees or contracts.\nPragmatic Mobile are Cell Phone Experts who use their knowledge to negotiate a lower rate plan with your carrier to help save you money. They offer FREE, unbiased assessments of your mobile spend, including offerings for all major carriers.\nJoin TIAC Today\nTo become a member today, please click here to enter our online registration platform, or contact:\nDirector, Member Services and Partnerships", "domain": "finance"}
{"url": "http://nordiclifescience.org/pfizer-potential-sobi-suitor/", "date": "2017-12-13T05:16:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948521292.23/warc/CC-MAIN-20171213045921-20171213065921-00206.warc.gz", "language_score": 0.9521813988685608, "token_count": 208, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__120488574", "lang": "en", "text": "Pfizer, Inc. is the potential investor for Swedish Orphan Biovitrum AB (Sobi), Reuters reported last week.\nSobi develops medications for rare diseases. In its latest filings the company reported a market value of about $4.3 billion, which makes it attractive to large pharmaceutical companies looking to bolster their pipelines.\nOn April 27, Sobi’s board of directors confirmed a company was in talks to acquire the Swedish firm, but did not disclose any names. Following Sobi’s revelation that day, shares of the company that was founded in 2001 increased 19 percent on the Swedish stock exchange. Sobi has been rumored to have been entertaining suitors for a while.\nPfizer and Sobi have a marketing deal for Sobi’s hemophilia drug ReFactor AF. In addition to the hemophilia drug, Sobi also manufactures arthritis drug Kineret and Orfadin, a drug used to slow the effects of hereditary tyrosinemia type 1.", "domain": "finance"}
{"url": "https://hustlefranklins.com/finance/mastering-consumer-credit-a-comprehensive-guide-to-using-credit-wisely/", "date": "2023-09-22T02:45:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506320.28/warc/CC-MAIN-20230922002008-20230922032008-00641.warc.gz", "language_score": 0.9543713331222534, "token_count": 574, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__111667607", "lang": "en", "text": "Consumer credit is a financial tool that allows individuals to borrow money to purchase goods, personal loans, credit cards, or services. It has become a common way for people to finance their lifestyles, but it’s important to understand how it works and the potential consequences of using it. In this article, we’ll explore the basics of consumer credit and provide tips for using it wisely.\nWhat is Consumer Credit?\nConsumer credit refers to the loans and lines of credit that individuals use for personal expenses. This can include credit cards, personal loans, and store credit, among others. Consumer credit is often used to finance large purchases, such as a home or car, or to cover everyday expenses, such as groceries or utilities.\nHow Does Consumer Credit Work?\nWhen you apply for consumer credit, a lender will assess your creditworthiness to determine whether to approve your loan. This is done by evaluating your credit history, income, and employment history, among other factors. If your application is approved, you’ll receive a credit limit, which is the maximum amount you can borrow.\nInterest and fees are typically added to the amount you borrow, and you’ll be required to make monthly payments until the debt is repaid. The interest rate on your loan will depend on several factors, including your credit score and the type of loan you have.\nTips for Using Consumer Credit Wisely\n- Make sure you can afford the payments: Before taking out a loan, make sure that the monthly payments fit into your budget. Consider your other expenses and make sure that you can afford to make the payments on time.\n- Use credit cards wisely: Credit cards can be a convenient way to finance your expenses, but it’s important to use them wisely. Avoid overspending and make sure to pay your balance in full each month to avoid interest charges.\n- Avoid maxing out your credit: Your credit utilization, or the amount of credit you’re using compared to your credit limit, is a major factor in your credit score. Avoid maxing out your credit cards, as this can have a negative impact on your score.\n- Pay your bills on time: Late payments can have a negative impact on your credit score, so make sure to pay your bills on time. Consider setting up automatic payments to help ensure you never miss a payment.\n- Shop around for the best rates: Interest rates can vary greatly between lenders, so it’s important to shop around for the best rates. Compare offers from multiple lenders to find the one that best fits your needs.\nIn conclusion, consumer credit can be a useful tool for financing your expenses, but it’s important to use it wisely. By following these tips, you can ensure that you use consumer credit to your advantage and avoid falling into debt.", "domain": "finance"}
{"url": "http://www.huntvalleypta.org/", "date": "2016-10-24T21:46:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-44/segments/1476988719784.62/warc/CC-MAIN-20161020183839-00194-ip-10-171-6-4.ec2.internal.warc.gz", "language_score": 0.9143002033233643, "token_count": 247, "dump": "CC-MAIN-2016-44", "global_id": "webtext-fineweb__CC-MAIN-2016-44__0__1907953", "lang": "en", "text": "This year the PTA is once again doing a direct donation drive, in lieu of the myriad of other fundraisers available to us. We hope to raise $9000 to cover the PTA expenses for the current school year and can’t reach that goal without your help! Please help us continue to provide for the Hunt Valley community.\nThe direct donation drive will run through Friday, November 4th.\nWhere will your money go?\n100% of funds raised will go to support programs that enrich your student(s) educational experience including:\n- Transportation funds for field trips at all grade levels\n- Teacher stipends for classroom projects and supplies\n- In school assemblies\n- Two (2) 3D Printers, along with supplies to get our kids started using these amazing machines!\n- Return the attached envelope to school with your student(s) containing your donation made out to the Hunt Valley PTA.\n- Click the “Donate” button below to donate via PayPal.\n*When donating via PayPal please be sure to include your student(s) name and teacher in the description field*\n- The students of Hunt Valley will dump BLUE slime all over Mr. Fee!!", "domain": "finance"}
{"url": "https://chappraisalgroup.appraiserxsites.com/home?", "date": "2024-02-29T11:08:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474808.39/warc/CC-MAIN-20240229103115-20240229133115-00116.warc.gz", "language_score": 0.9504618644714355, "token_count": 179, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__191293295", "lang": "en", "text": "Expert appraisals in and around County\nFor years, mortgage lenders and consumers, as well as other real estate professionals, have depended on our expertise to provide high-quality appraisals on all sorts of real estate in Knox County. By continuously keeping up with local real estate trends in Knox County and staying current on valuation techniques through accredited courses, we've been consistently able to produce reliable home valuations for our clients.\nHow do we save time and maintain competitive fees while maintaining high quality? Our reply is simple: Technology. And above everything, we keep in mind the importance of professional customer service. You'll be shown the utmost respect in all aspects of working and communicating with C-H Appraisal Group. The end result is simply an unbeatable experience for our customers. Call C-H Appraisal Group, and let us prove to you why we're different.", "domain": "finance"}
{"url": "https://www.gvegasvb.com/ufaqs/what-is-the-g-vegas-inclement-weather-cancellation-policy/", "date": "2022-11-30T00:50:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710712.51/warc/CC-MAIN-20221129232448-20221130022448-00550.warc.gz", "language_score": 0.9231204390525818, "token_count": 209, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__248278615", "lang": "en", "text": "1. If cancellation occurs before the event opens, we will refund all registration fees 100%, less the cost of the shirt ($10 for standard early reg short sleeve)*.\n2. If cancellation occurs during check in, we will refund all registration fees 100% for all teams present, less the cost of the shirt ($10 for standard early reg short sleeve)*.\n3. If cancellation occurs at any point during pool play, we will refund all registration fees 50%.\n4. If cancellation occurs during playoffs, the payouts (cash and/or merchandise prizes) will be split evenly between the then active teams.\n*We will still provide your shirts to you. If you pay via credit card, the best way to handle this is to venmo/paypal/ cash app us the $10 and we can then process a full refund, including your credit card processing fee, via the registration site. If you choose not to send us the $10, we will process your refund but you will lose the credit card processing fee.", "domain": "finance"}
{"url": "https://justlearncrypto.com/learn/", "date": "2019-11-22T16:16:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496671363.79/warc/CC-MAIN-20191122143547-20191122172547-00126.warc.gz", "language_score": 0.9451131820678711, "token_count": 280, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__115767182", "lang": "en", "text": "Bitcoin is a digital currency, or a cryptocurrency. It was invented in 2008 by an anonymous person, or group of people named Satoshi Nakamoto. The creator decided to remain anonymous.\nBitcoins differ from fiat currency, or government issued currency, because they are not physical objects. Instead, they exist in the virtual world as snippets of code. This hasn’t stopped people from imagining what a bitcoin might look like in reality, and the crypto space is filled with artistic renderings of gold coins emblazoned with a B!\nBitcoin is a decentralized currency, meaning it has no central point of control and is sustained by individuals in the global cryptocurrency community. Bitcoin is like having a Swiss bank account on your phone or computer.\nYou don’t buy Bitcoin at a bank. Instead Bitcoin users go to online exchanges, ATMs or private brokers to purchase Bitcoin and other Crypto Currencies. When coins are not being used or traded, it is best to keep coins off of an exchange and in a wallet.\nNew bitcoins are being created every day through a process called mining. Big computers work hard to solve complicated equations, and each correct answer produces new Bitcoin. The Bitcoin code dictates that only 21 million Bitcoins will ever be created, making it a finite commodity much like gold.\nAfter viewing the videos in each subsection below you will be much closer to becoming a Bitcoin pro.", "domain": "finance"}
{"url": "https://www.housingwire.com/articles/37170-north-carolina-attorney-pleads-guilty-for-18m-mortgage-fraud-scheme/", "date": "2022-10-05T15:57:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337631.84/warc/CC-MAIN-20221005140739-20221005170739-00249.warc.gz", "language_score": 0.9703513383865356, "token_count": 645, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__6668581", "lang": "en", "text": "A North Carolina attorney and real estate developer is facing a maximum sentence of 30 years after pleading guilty to bank fraud charges relating to a mortgage fraud scheme that is anticipated to cost various lenders, title insurers and investors at least $18 million.\nAccording to the U.S. Attorney’s Office for the Eastern District of North Carolina, Joseph Kinlaw, 63, pled guilty this week to charges stemming from a scheme that saw Kinlaw allegedly falsified property information in order to obtain several loans from BB&T and First Citizens Bank under the auspices of developing residential real estate near Camp Lejeune, a Marine Corps base in North Carolina.\nIn a release, the U.S. Attorney’s Office stated that Kinlaw was a licensed North Carolina attorney who operated various alleged real estate investment and development entities on behalf of investors.\nAccording to the release, Kinlaw used those entities to obtain fraudulent loans from BB&T and First Citizens Bank, between January 2011 and April 2013.\nThe U.S. Attorney’s Office stated that Kinlaw allegedly used the real estate development entities to defraud BB&T and First Citizens Bank by falsifying the legal descriptions of the loan collateral, and by falsifying releases of the collateral.\nAccording to the U.S. Attorney’s Office, Kinlaw was then able to use the collateral for other real estate investment activities and loans. Also, by fraudulently releasing the banks’ collateral before the banks’ loans had been satisfied, Kinlaw was able to convey the collateral to third parties for value and continue the scheme.\nIn order to keep the scheme alive and to keep from being discovered, Kinlaw allegedly used outside funds – money that was unrelated to the real estate development activity that was the subject of each loan – to make ongoing loan interest payments to BB&T and First Citizens Bank.\nIn some cases, Kinlaw allegedly used loan proceeds from one transaction to make loan interest payments on another transaction. And in other instances, Kinlaw fraudulently extracted funds from other investors and their business interests to make payments on the loans, the U.S. Attorney’s Office said.\nEventually, banks stopped loaning money to Kinlaw, his related companies and investors. As a result of that, the existing loans went into default.\nAnd because Kinlaw substituted false legal descriptions of bank collateral, and fraudulently conveyed bank collateral, BB&T and First Citizens Bank were unable to recover their loan losses in foreclosure, the U.S. Attorney’s Office stated.\nAdditionally, various title insurance companies and investors also lost “substantial funds” because of the scheme, the U.S. Attorney’s Office said.\nOverall, the full loss suffered by the banks, investors, title companies and other companies is still under investigation, but the losses are presently anticipated to exceed $18 million, the U.S. Attorney’s Office said.\nFor his crimes, Kinlaw faces up to 30 years in prison and 5 years of supervised release. He also faces a fine of up to $1 million, and an order of restitution to victims.", "domain": "finance"}
{"url": "https://www.divorceminnesota.com/blog/2013/09/alimony-and-same-sex-divorce-in-minnesota-1/", "date": "2023-12-04T09:23:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100527.35/warc/CC-MAIN-20231204083733-20231204113733-00063.warc.gz", "language_score": 0.9714981317520142, "token_count": 424, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__98724491", "lang": "en", "text": "Minnesotans are accustomed to hearing news about the market ups and downs of the Richfield-based electronics retail giant Best Buy. Less common are news items about the personal life of Best Buy’s chief executive officer. That’s exactly what Minnesotans got, however, after the company complied with federal regulations to show that the CEO had sold $10.4 million worth of shares in the company. The reason he gave was that he needed the cash for his divorce.\nThis may seem like an extravagant amount of money for a divorce settlement, but then a high net worth divorce has complications that make it different from other divorces – and not just because there’s so much more money involved.\nIn every Minnesota divorce, the parties must divide their personal property from the marital property and then come up with an equitable division of the marital property. That’s easier said than done, even when splitting the marital property is relatively straightforward. For those with complex assets such as retirement accounts, stock options and ownership stakes in businesses, however, this process of property division can get very complicated.\nFor example, the Best Buy executive had stock options from which were not supposed to be sold for two years. He had to get permission from the board before he could sell the stock. A\nlso, stock can vary widely in value. The month before the company’s announcement of the $10.4 million sale, its stock reached its highest point in a year. One can assume that the fact the two factors did not coincide by accident.\nFew Minnesotans can boast anything like $10 million to fight over in their divorce, but all divorces have their complexities and difficulties. It’s important for Minnesotans going through a divorce to get help from professionals who understand how the property division process can work for their unique set of circumstances.\nSource: Minneapolis-St. Paul Business Journal, “Best Buy CEO’s divorce prompts stock sale worth $10.4 million,” Mark Reilly, Sept. 11, 2013", "domain": "finance"}
{"url": "https://www.px6medicalsystems.com/post/economic-potential-with-medical-tourism", "date": "2024-04-22T15:39:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818312.80/warc/CC-MAIN-20240422144517-20240422174517-00806.warc.gz", "language_score": 0.9359189867973328, "token_count": 520, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__173166669", "lang": "en", "text": "An Improved Markov Chain Combination Forecasting Method Analyzes Benefits and Market Size of the Healthcare Tourism Industry\nWelcome to Medical Tourism!\nWe are excited to discuss the impact of the medical tourism industry on regional economic performance. To study the effects of this industry, a Markov prediction method was proposed, and an improved Markov chain combination forecasting method was established. We have researched to analyze the economy of the healthcare tourism industry through the Markov chain forecasting method and various processing methods for financial results of different years.\nThis research has shown that healthcare tourism industry services are a new and highly potential tourism product that can generate significant economic and social benefits.\nBy utilizing the Markov model, scientists can explore the complementary roles of Medicine and Tourism, helping them predict the market size and benefits.\nScientists analyze the model results and calculate the benefits and scale of the development of the healthcare tourism industry by combining the actual data situation and can also condition growth each year. By doing so, they hope you find this information interesting and helpful.\nSo, Let's start exploring medical tourism's potential and positive effect on regional economies!\nThe impact of medical tourism on regional economic performance is increasingly becoming an essential factor in the global economy. To study this, a Markov prediction method was proposed to analyze the economy of the financial healthcare tourism industry through Markov chain forecasting and various processing methods for financial results of different years.\nAn improved Markov chain combination forecasting method was established to explore the complementary roles of medical and tourism, which helps predict the market size and benefits development.\nThe research results show that the healthcare tourism industry service is a new and highly potential tourism product service. It can generate significant economic and social benefits. The value and market size of the healthcare tourism industry can be analyzed and studied using the Markov model.\nThe model results are also analyzed and calculated. The benefits and scale of the development of the healthcare tourism industry are evaluated by combining the actual data situation and growth conditions each year. The results show that medical tourism is invaluable to local economies, providing them with jobs and revenue.\nMedical tourism positively impacts the regional economy with increased medical spending, tourism spending, and economic development.\nMedical tourism is increasingly becoming a significant factor in the global economy, and more and more people are choosing to travel to get quality healthcare services.\nThe healthcare tourism industry is rapidly growing, with much potential for future growth. By understanding the impact of medical tourism on the economy,\ngovernments, healthcare providers, and the travel industry can make better decisions and prepare for the changing trends in the industry.", "domain": "finance"}
{"url": "https://communities.lawsociety.org.uk/inclusive-law-management-webinars/webinar-cyber-security-and-fraud-awareness-ondemand/5066945.article", "date": "2020-07-12T20:46:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657139167.74/warc/CC-MAIN-20200712175843-20200712205843-00529.warc.gz", "language_score": 0.9416413903236389, "token_count": 180, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__205399320", "lang": "en", "text": "This inclusive webinar covers the main threats facing law firms from cyber and fraud attacks.\nThe number of cyber threats targeting the legal sector have increased over recent years. Our expert speakers will help you to understand the common methods used by hackers and the immediate steps that you and your staff can take to make your firm safer in its everyday dealings online.\nThe webinar will cover:\n- examples of cyber and fraud attacks targeting UK businesses\n- who the attackers are and their motivations\n- the main points of vulnerability which will be targeted by organised criminal groups\n- guidance on the critical steps to protect the firm in the event of a cyber or fraud attack\nThis webinar was originally broadcast on 2 April 2019.\n- Chris Fawcett, commercial banking fraud risk manager, Lloyds Banking Group\n- Giles Taylor, commercial banking head of data & cyber security, Lloyds Banking Group", "domain": "finance"}
{"url": "https://forrestfamilyfunerals.co.uk/pricing-information/financial-support/", "date": "2023-11-30T01:43:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100164.15/warc/CC-MAIN-20231130000127-20231130030127-00802.warc.gz", "language_score": 0.9175261855125427, "token_count": 767, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__270075054", "lang": "en", "text": "The cost of a funeral can be a difficult thing to manage, especially if the death is sudden and unexpected. A Funeral Expenses Payment from the Government can help provide financial support to pay for some of the costs of the following:\n– burial fees for a particular plot\n– cremation fees, including the cost of the doctor’s certificate\n– travel to arrange or go to the funeral\n– the cost of moving your loved one within the UK, if they are being moved more than 50 miles\n– death certificates or other documents\nYou can also get up to £1,000 for any other funeral expenses, such as the Funeral Director’s fees, flowers or the coffin. However, the payment will not usually cover all of the costs of the funeral.\nHow much you get depends on your circumstances. This includes any other money that’s available to cover the costs, for example from an insurance policy or the deceased person’s estate.\nA Funeral Expenses Payment is paid into your bank, building society or credit union account if you’ve already paid for the funeral.\nThe money will be paid directly to the organiser of the funeral (for example, the Funeral Director) if you have not paid yet.\nCheck the claim form notes for more information.\nCan I get a Funeral Expenses Payment?\nYes, if all of the following apply:\n– you get certain benefits or tax credits\n– you meet the rules on your relationship with your loved one\n– you’re arranging a funeral in the UK\nWhat benefits must I receive?\nYou (or your partner) must get one or more of the following:\n– Income Support\n– Income-based Jobseeker’s Allowance\n– Income-related Employment and Support Allowance\n– Pension Credit\n– Housing Benefit\n– The disability or severe disability element of Working Tax Credit\nWhat relationship must I be to the deceased?\nYou must be one of the following:\n– the partner of the deceased when they died\n– a close relative or close friend of the deceased\n– the parent of a baby stillborn after 24 weeks of pregnancy\n– the parent or person responsible for a deceased child who was under 16 (or under 20 and in approved education or training)\nHow do I make a claim?\nYou can make a claim by phone by calling the Bereavement Service helpline from Monday to Friday, 8am to 5pm:\nTelephone: 0800 151 2012\nWelsh language: 0800 731 0453\nTextphone: 0800 731 0464\nWelsh language textphone: 0800 731 0456\nRelay UK (if you cannot hear or speak on the phone): 18001 then 0800 151 2012\nYou can also claim by post. Download and fill in the claim form (SF200), then send it to the address on the form.\nIf you need any help or support with understanding whether you meet the eligibility criteria, or with making an application for the payment, please do not hesitate to get in touch with us on 01782 756518, or call in to the Funeral Home.\nWe are a forward thinking and creative Funeral Directors with a family-run independent Funeral Home based in Stoke-on-Trent. Furthermore, Forrest & Family combine traditional core values with a modern holistic approach.\nOur team are passionate about supporting people on their full journey through end-of-life care and planning, arranging a funeral, and onwards into grief and bereavement support. We understand that a funeral should be affordable without compromising on quality. Please contact us on 01782 756518 for further information on Financial Support for Funerals.", "domain": "finance"}
{"url": "https://www.garmin.com.sg/news/pressroom/news20090318/", "date": "2022-01-28T22:30:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320306346.64/warc/CC-MAIN-20220128212503-20220129002503-00671.warc.gz", "language_score": 0.94190913438797, "token_count": 476, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__159044566", "lang": "en", "text": "CAYMAN ISLANDS/March 17, 2009/Business Wire/ - Garmin Ltd. (NASDAQ: GRMN) today announced that for the second straight year, it is the global leader in personal navigation device (PND) sales in 2008 – expanding its worldwide market share over 2007. The research was provided by Canalys, a leading independent technology market analyst firm.\n“For the second straight year, people across the globe chose Garmin more than any other brand to help guide them to their destinations,” said Cliff Pemble, Garmin’s president and chief operating officer. “For twenty years, Garmin has been committed to bringing its customers industry-leading innovation, quality, value, ease-of-use, and support. Despite these difficult economic times, we believe that our higher market share validates our approach and are confident that we can continue to offer best-in-the-business products to attract more customers in the years ahead.”\n“Canalys estimates that in 2008 Garmin increased its global market share in the portable navigation device (PND) market to 33.7%, up from 27.8% in 2007,” commented Chris Jones, vice president and principal analyst at industry analyst firm Canalys. “According to Canalys estimates, Garmin's PND shipments grew by 42% year on year, a solid performance in a market that is now feeling the effects of slowing consumer demand. However, despite what will be tough market conditions in 2009, the stronger vendors in the market will benefit and continue to gain share,” said Jones.\nThe Canalys figures include total worldwide PND sales for the 2008 calendar year. The report did not include Garmin’s other significant product segments – outdoor, fitness, marine, and aviation products – which would extend the company’s global leadership in the market for location based devices even further.\nIn all, Garmin delivered 16.9 million total units in 2008, a 38% increase from 2007. Despite a very challenging economic climate, the company posted total revenue of $3.49 billion in 2008, up 10% from $3.18 billion a year earlier. All geographic areas experienced revenue growth as well in 2008, with North America up 13%, Europe up five percent, and Asia up one percent.", "domain": "finance"}
{"url": "https://www.learnbydesign.co.uk/post/bidding-success-for-learn-by-design", "date": "2021-04-20T23:20:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039491784.79/warc/CC-MAIN-20210420214346-20210421004346-00303.warc.gz", "language_score": 0.9575569033622742, "token_count": 531, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__28367989", "lang": "en", "text": "We are thrilled to announce that Learn by Design have secured a funding investment from the Careers & Enterprise Company to support young people in Derby City, Greater Birmingham and Solihull LEP.\nThe investment will help to scale up the careers and enterprise programme and help young people make the transition from education to the world of work.\nIn total, the government-backed Careers & Enterprise Company will distribute funding worth £5million to 50 organisations across the country, supporting 160,000 pupils as part of its latest Investment Fund.\nLouise Curd, Director of programmes said:\n“We are thrilled to be one of the recipients of the Careers and Enterprise funding and it gives a much wider breadth of career information available to young people in the region.\nOur iRail programme will be at the forefront of our offer to schools, as the workshop will highlight careers within the rail industry with an enterprise task attached to the day. Programmes like these are vital in raising awareness of STEM to young people and we at Learn by Design are extremely proud to be apart of this initiative”\nEducation Secretary Justine Greening said:\n“Good careers advice is vital in inspiring and helping young people to make smart, informed choices about their futures – whether that’s going off to university, starting an apprenticeship or kick starting a career.\nThe Careers & Enterprise Company has reached out to thousands of young people to give them advice and support to ensure there are no limits to their potential. It’s great to see the programmes continue to take shape across the country and positively impact young lives.”\nClaudia Harris, Chief Executive of the Careers & Enterprise Company, said:\n“I am delighted we have been able to invest £5million to scale up proven careers and enterprise programmes in areas of need, focusing on careers and enterprise ‘cold spots’.\nOur first fund has delivered ahead of schedule to provide careers and enterprise support to more than 250,000 young people including 170,000 new STEM encounters with business. It has also engaged 3,000 new employers working with young people for the first time.\n“The best research shows that young people who have 4 or more encounters with the world of work while in education are 86% less likely to be NEET – not in education, employment or training – and on average will go on to earn 18% more than their peers who did not have such opportunities. So we know this funding is making a real difference to employment outcomes for young people and the future of our economy.”\nFind out more here.", "domain": "finance"}
{"url": "http://immunicum.se/investors/press-releases/press/?xml_id=2051649&xml_date=201610", "date": "2018-12-16T18:34:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376827963.70/warc/CC-MAIN-20181216165437-20181216191437-00298.warc.gz", "language_score": 0.9362757802009583, "token_count": 1124, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__17222824", "lang": "en", "text": "Immunicum AB: Report from the Annual General Meeting of Immunicum AB (publ) on October 26, 2016\nGothenburg October 26, 2016 - At the Annual General Meeting (\"AGM\") of Immunicum AB (publ), reg.no 556629-1786, the following resolutions were mainly adopted. For more detailed information on the content of the resolutions, please see the press release published on September 26, 2016 and the complete notice to the AGM. The notice to the AGM and complete motions on the resolutions are available at the company's website, www.immunicum.se.\nAdoption of the balance sheet and income statement\nThe AGM adopted the company's balance sheet and income statement.\nDisposition regarding the company's results\nThe AGM resolved that no dividend shall be paid for the financial year 2015/2016. The AGM further resolved that the company's accumulated loss shall be appropriated so that SEK 114,653,179 be settled against the share premium reserve and that the remaining SEK 137,882,043 be carried forward.\nBoard of Directors and Auditor\nThe AGM discharged the Board members and the CEO from liability for the financial year 2015/2016.\nThe AGM resolved that the Board of Directors shall comprise seven Board members.\nThe AGM re-elected Board members Agneta Edberg, Martin Lindström, Magnus Nilsson and Magnus Persson. Bengt Furberg declined re-election. The AGM resolved to elect Steven Glazer, Charlotte Edenius and Kerstin Valinder Strinnholm as new Board members. Agneta Edberg was re-elected as Chairman of the Board.\nThe AGM resolved to appoint the registered public accounting firm KPMG as Auditor for the period until the next Annual General Meeting. KPMG has announced that the authorized public accountant Jan Malm shall be the Auditor in Charge.\nFees to the Board of Directors and Auditor\nThe AGM decided that remuneration to the Board shall be a maximum of SEK 1,185,000, based on a fiscal year comprising a period of twelve months, to be distributed as follows: Chairman SEK 295,000, the other members SEK 125,000 each, a member who is chairman of the audit committee SEK 35,000, a member who is a member of the audit committee SEK 15,000, a member who is chairman of the scientific committee SEK 50,000, a member who is a member of the scientific committee SEK 25,000. No other remuneration for committee work shall be paid.\nThe AGM further resolved that, in addition to directors' fees, the Board as a whole can be paid a maximum of SEK 100,000 for such work that can be regarded as outside of the normal board work and that Board members may be allowed to, through his or her own company, invoice fees given that this is cost neutral for the company.\nThe AGM decided that remuneration to the auditor shall be paid according to approved invoices.\nAuthorization for the Board of Directors to decide on new share issues\nThe AGM resolved to authorize the Board of Directors to, on one or several occasions during the period until the next Annual General Meeting, with or without deviation from the shareholder's preferential rights, resolve on new share issues of a maximum of 5,040,000 shares. If fully utilized, the authorization entails a dilution equivalent to approximately 16.3 per cent of the company's share capital and number of votes.\nDecision to change the fiscal year and to amend the Articles of Association\nThe AGM resolved to change the fiscal year of the company to calendar year as well as to shorten the current fiscal year to cover the period 1 July 2016 up to and including 31 December 2016.\nThe AGM further resolved to amend the Articles of Association so that the company's financial year shall be calendar year and that it shall no longer be possible to appoint deputy directors of the Board.\nDecision on updated principles for appointing the Nomination Committee\nThe AGM resolved to update the principles for appointing the Nomination Committee in accordance with the Nomination Committee's proposal.\nDecision on guidelines for remuneration to senior executives\nThe AGM resolved on guidelines for remuneration to senior executives so that the limits of variable remuneration were increased from a maximum of three ordinary monthly wages to a maximum of 35 per cent of the ordinary fixed remuneration.\nFor more information, please contact:\nAgneta Edberg, Chairman of the Board, Immunicum\nPh: +46 (0)70 555 75 18\nThe company's Certified Advisor is Redeye AB\nPh: +46 (0)8 545 013 31.\nAbout Immunicum AB (publ)\nImmunicum AB (publ) develops cancer immune primers for the treatment of tumor diseases. A phase II clinical trial for the company's most advanced product - INTUVAX® against kidney cancer - has been initiated. The project portfolio contains additional clinical phase I/II studies in liver cancer and in gastrointestinal stromal tumors (GIST). Immunicum is listed on First North Premier. www.immunicum.se.\nThe information in this press release is disclosed pursuant to the Nasdaq First North's Rulebook. The information was released for public disclosure through the agency of the company's contact person on 26 October, 2016 at 14:00 CET.", "domain": "finance"}
{"url": "https://www.noesisinc.com/careers", "date": "2021-04-19T10:13:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038879305.68/warc/CC-MAIN-20210419080654-20210419110654-00247.warc.gz", "language_score": 0.868721604347229, "token_count": 157, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__127314336", "lang": "en", "text": "We love technology.\nWe also love people.\nWe’re a company made up of friends, while respecting the importance of our families.\nWe believe in a work/life balance. We give our all at work and in life.\nWe operate from a set of fundamental beliefs and think our employees’ career growth is the greatest investment of all.\nWe value growth opportunities, including tuition reimbursement, and certification incentives.\nNoesis Group is a collaborative environment where you can focus on building a career, not punching a time clock.\nMedical, Dental, and Vision insurance\nSupplemental insurance plans\n401k with company match\nPaid time off that rolls over each year\n- Paid holidays\nFlexible spending account\nMileage reimbursement plan", "domain": "finance"}
{"url": "https://avanzasolutions.co.nz/myob-advanced-financial-management", "date": "2024-02-26T18:07:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474661.10/warc/CC-MAIN-20240226162136-20240226192136-00486.warc.gz", "language_score": 0.8896017670631409, "token_count": 949, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__165457566", "lang": "en", "text": "MYOB Advanced Cloud ERP Financial Management\nBusiness management tools to run finances with the accuracy, speed and security.\nFinancial Management made easy in the Cloud\nThe MYOB Advanced Finance Management Software Solution provides a complete view of cashbook, accounts payable, accounts receivable, inventory and project modules transactions, which flow through to the financial and cash management reports leaving you free to manage your business.\nGrowth Friendly Licensing\nMYOB Advanced is designed to take care of everything you need both now and in the future. Inventory management, streamlined sales and purchasing, accounting and more – all in a scalable platform.\nMYOB Advanced will eliminate hardware costs, giving you a fully customisable platform for a convenient monthly price. Your online data is securely stored, giving you the flexibility and freedom to work the way you want.\nFinancial Management Features\n- General Ledger\n- Accounts Receivable\n- Debtor Management\n- Accounts Payable\n- Cash Management\n- Bank Feeds\n- Currency Management\n- Tax Management\n- Deferred Revenue\n- Intercompany Accounting\n- Recurring Revenue Management\n- Fixed Asset Management\n- Mobile Applications\n- Franchise Connector\nAutomate your processes, manage customer accounts, and track accounts receivables from anywhere, at any time. Use MYOB Advanced accounts receivable software to generate invoices and send statements, verify balances, track commissions, collect and apply payments and more. Never lose track of the important details with comprehensive integrated reporting.\nDebtor management in MYOB Advanced is a key feature that allows you to easily manage and track your accounts receivable processes. With MYOB Advanced, you can set up payment terms and credit limits for your customers, automate invoice creation and payment reminders, and easily track outstanding payments. You can also view customer payment history, create ageing reports, and analyze customer payment patterns to make better decisions for your business. By streamlining your debtor management processes, MYOB Advanced helps you improve cash flow, reduce overdue payments, and optimize your financial operations.\nKeep track of your accounts payable with the ability to manage supplier invoices and balances, predict cash requirements, track discounts, deliver supplier reports, and much more. Use your web browser to access reports at any time and see how accounts payable software can work for you.\nCentralise your tax management information to make configuring, collecting, reporting and managing your taxes easier. You can even use this centralised information to generate your required tax filing reports.\nAssign a schedule to your transactions or inventory to help improve your revenue recognition accounting in future periods; allowing you to accurately implement and account for deferred revenue and expenses.\nManage your financials and reports across related companies within your organisation - all from one centralised location. Share accounts, calendars, and non-financial data for an unlimited number of companies; and automate your inventory transfers, financial reporting, and supplier payments. MYOB Advanced gives you ultimate flexibility in your intercompany accounting.\nRecurring Revenue Management\nFixed Asset Management\nInclude fixed assets into your reporting directly from your accounts payable purchases, imported from an existing file, or individually.\nAccess MYOB Advanced anywhere, at any time, with easy access via a web browser, or use the MYOB Advanced app for iOS or Android.\nThe Franchise Connector module supports franchise businesses structures where the\nprimary franchisor is using MYOB Advanced to operate their business and the franchisees\nare using MYOB AccountRight or MYOB New Essentials to run their respective\nbusinesses. It allows franchisees to seamlessly share selected General Ledger data with\nthe franchisor using an MYOB Advanced portal for consolidated reporting.\nMYOB Advanced offers robust and customisable reporting capabilities to help businesses gain real-time insights into their performance. With a user-friendly interface, users can create and share reports across departments and teams. The software provides an extensive range of report templates, from financial statements to custom reports, and the ability to create reports with a drag-and-drop interface, all while providing the flexibility to customise reports to meet specific business needs. MYOB Advanced also enables users to schedule and automate report generation and delivery to save time and ensure timely access to crucial information. With powerful reporting capabilities, businesses can analyze data, identify trends, and make informed decisions.\nAre you ready to take your business to the next level? Look no further than MYOB Advanced ERP\nOur team of experts is ready to guide you through every step of the process, from initial setup to ongoing maintenance. Don't let the fear of change hold you back.\nContact us today to learn how MYOB Advanced ERP can transform your business.", "domain": "finance"}
{"url": "https://www.jetson.ai/blog-1/2019/2/4/crowdfunding-campaign-on-microventurescom", "date": "2019-10-21T06:16:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987756350.80/warc/CC-MAIN-20191021043233-20191021070733-00474.warc.gz", "language_score": 0.9513196349143982, "token_count": 762, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__114856395", "lang": "en", "text": "Jetson AI Inc. Announces Reg. CF Private Placement Offering\nNEW YORK, NY [07/30/2019] -- Jetson AI Inc. is pleased to announce the launch of a private placement offering in accordance with Regulation Crowdfunding (Reg. CF) adopted by the U.S. Securities and Exchange Commission (SEC) through MicroVentures.\nAbout Jetson AI, Inc.: Jetson AI was founded in 2017 as a voice-first SaaS platform designed to enable businesses to sell their products and services through intelligent voice technology such as Amazon Alexa and Google Home. Jetson’s technology was created to facilitate multi-step conversations and secure transaction processing between AI voice assistants and consumers.\nAbout MicroVenture Marketplace, Inc.: MicroVenture Marketplace (“MicroVentures) is a registered broker/dealer and member of FINRA and SIPC. MicroVentures offers the sale of private placements in early and late stage companies in various industries, facilitates secondary transactions in private companies, and serves as a crowdfunding intermediary in accordance with Regulation CF. Please visit https://microventures.com for more information. A crowdfunding investment involves risk, including illiquidity, potential loss of principal, and dilution. In making an investment decision, investors must rely on their own examination of the issuer and the terms of the offering. The securities offered have not been recommended or approved by any federal or state securities commission or regulatory authority.\nThis crowdfunding offering is selling Crowd Notes to raise maximum offering proceeds of $107,000 with a minimum investment of $100. We currently anticipate closing this offering on September 23, 2019. More information on this offering can be found at: https://app.microventures.com/crowdfunding/jetson-ai?referral_code=JAIEC72619\nJetson AI Inc. (Jetson or the “Company”) is a voice-first SaaS (Software as a Service) platform that aims to upgrade the smart speaker and voice assistant experience with greater intelligence. It provides artificial intelligence (AI) technology for businesses to use or integrate into their own systems to process voice ordering through smart speakers such as Amazon Alexa and Google Home.\nThe company currently offers two versions of its technology, Jetson and Jetson Enterprise. Jetson is the base version of the voice technology that comes in the form of a self-service dashboard. Jetson’s Enterprise offering provides clients with licensing and integration of its tools into existing client operations. The company’s technology is platform agnostic and currently can be integrated with communication channels such as Alexa, Google Home, Slack, SMS Text, and mobile apps.\nJetson has secured a contract with GolfPay to process voice orders for tee-time reservations and has several letters of intent (LOI’s) with companies such as Blue Chip Marketing (on behalf of a large consumer goods company) and Volara (a hospitality software solution used by Marriot). Jetson has also partnered with Amazon Pay through its Global Partner Program as well as Delivery.com, an online platform for on-demand food delivery from local restaurants.\nThe company previously raised ~$1.3 million from angel investors to build out its patent-pending voice technology and build a pipeline of business leads. The company plans to use the proceeds from this round of financing to add more product features and increase its sales and marketing efforts as it looks to onboard more customers and increase transactions processed through its system.\nPlease refer for more information at: https://app.microventures.com/crowdfunding/jetson-ai?referral_code=JAIEC72619", "domain": "finance"}
{"url": "https://www.beritaduasatu.com/cloud-quickbooks-hosting/", "date": "2024-04-25T11:24:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297292879.97/warc/CC-MAIN-20240425094819-20240425124819-00142.warc.gz", "language_score": 0.9036305546760559, "token_count": 1668, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__29714742", "lang": "en", "text": "In today’s digital age, businesses are increasingly relying on technology to streamline their operations, enhance efficiency, and gain a competitive edge. One such innovation is cloud QuickBooks hosting, a revolutionary system that has transformed the way accounting processes are managed.\nGone are the days of businesses struggling with traditional accounting software and the limitations of physical servers. With cloud QuickBooks hosting, organizations can now enjoy seamless access to their financial data from anywhere in the world, with just an internet connection and a device.\nSo, what exactly is cloud QuickBooks hosting? Simply put, it is the practice of hosting the popular accounting software, QuickBooks, on remote servers rather than installing it on a local computer or server. This approach ensures that businesses can access and work on their accounting data securely and efficiently, eliminating the need for costly in-house infrastructure.\nCloud QuickBooks hosting offers numerous advantages that revolutionize accounting practices. Firstly, it allows businesses to collaborate effortlessly. Multiple users can access the same dataset simultaneously, making it easier for teams to work together and share real-time updates, regardless of their physical locations.\nMoreover, cloud hosting provides unparalleled flexibility and scalability. Businesses can easily scale up or down their accounting requirements, depending on their changing needs. Whether it is adding more users, increasing storage capacity, or integrating additional applications, cloud QuickBooks hosting caters to these demands seamlessly, without any disruption to daily operations.\nData security is a paramount concern for any business dealing with financial information. Cloud QuickBooks hosting addresses this concern with robust security measures. Service providers implement advanced encryption techniques, multi-factor authentication, and regular backups to safeguard financial data, minimize the risk of data breaches, and ensure compliance with industry regulations.\nAdditionally, cloud QuickBooks hosting offers automatic software updates. Gone are the days of manually downloading and installing patches and updates. With cloud hosting, the software is regularly updated, ensuring that businesses have the latest features and security enhancements without any hassle.\nThe cost-effectiveness of cloud QuickBooks hosting cannot be overlooked either. By adopting this technology, businesses can eliminate the need for expensive IT infrastructure, maintenance, and upgrades. Instead, they can subscribe to a hosting plan, tailored to their specific requirements, paying only for the resources they use. This eliminates large upfront costs and enables businesses to allocate their budgets more effectively.\nIn conclusion, cloud QuickBooks hosting has revolutionized the accounting landscape, offering businesses unprecedented flexibility, scalability, and collaboration opportunities. With enhanced data security, automatic updates, and cost-effectiveness, it is no wonder that an increasing number of organizations are turning to this technology. Embracing cloud QuickBooks hosting opens up a world of possibilities, allowing businesses to focus on their core competencies while leaving accounting processes in the hands of cutting-edge technology.\nUnderstanding Cloud QuickBooks Hosting: Exploring Ways, Tips, and Advantages\nCloud QuickBooks hosting has revolutionized the way businesses manage their financial operations. With its convenience, flexibility, and enhanced security, it has become increasingly popular among organizations of all sizes. In this article, we will delve into the concept of cloud QuickBooks hosting, explore various ways and tips to optimize its usage, and highlight the numerous advantages it offers to businesses.\nWhat is Cloud QuickBooks Hosting?\nCloud QuickBooks hosting refers to the practice of hosting the renowned accounting software, QuickBooks, on cloud servers rather than on local systems. This remote hosting enables businesses to access and utilize QuickBooks via the internet, offering a range of benefits that traditional on-premises installations cannot provide.\nWays to Optimize Cloud QuickBooks Hosting\n1. Choose a Reliable Cloud Hosting Provider:\nWhen it comes to cloud QuickBooks hosting, selecting a reputable hosting provider is crucial. Ensure the provider offers comprehensive security measures, reliable customer support, and efficient data backups to guarantee smooth operations.\n2. Collaborate Effectively:\nCloud QuickBooks hosting allows for seamless collaboration among team members. Make the most of this feature by encouraging employees to use shared folders, real-time updates, and commenting functions to enhance productivity and streamline communication.\n3. Monitor Usage:\nTo optimize cost and performance, keep track of your cloud QuickBooks usage. By monitoring the number of users, their privileges, and the resources consumed, you can adjust your hosting plan accordingly, ensuring maximum efficiency and cost-effectiveness.\n4. Regularly Update QuickBooks:\nCloud QuickBooks hosting providers often release updates and new features. Stay up to date with the latest versions to benefit from enhanced functionality, improved security, and bug fixes. Regular updates will also ensure compatibility with other software and systems.\nTips for Efficiently Using Cloud QuickBooks Hosting\n1. Enhance Security Measures:\nWhile cloud QuickBooks hosting providers implement robust security measures, it’s crucial to reinforce your own security protocols. Encourage your team to use strong passwords, enable two-factor authentication, and regularly update antivirus software to protect sensitive financial data.\n2. Use Mobile Apps:\nCloud QuickBooks hosting enables access to financial data from anywhere, at any time. Make the most of this advantage by utilizing mobile apps. Install the QuickBooks app on your smartphone or tablet to easily manage invoices, track expenses, and analyze financial reports on the go.\n3. Automate Routine Tasks:\nTake advantage of the automation capabilities of cloud QuickBooks hosting. Explore features like scheduled reporting, automatic invoice generation, and recurring billing to save time, reduce human error, and improve efficiency.\n4. Leverage Integrations:\nCloud QuickBooks hosting integrates seamlessly with numerous other business applications. Whether it’s CRM software, project management tools, or e-commerce platforms, leverage these integrations to streamline workflows, eliminate duplicate data entry, and enhance overall efficiency.\nAdvantages of Cloud QuickBooks Hosting\n1. Increased Accessibility:\nCloud QuickBooks hosting allows users to access their financial data and software from any location, using any device with an internet connection. This level of accessibility enables businesses to work remotely, collaborate effortlessly, and make informed financial decisions in real-time.\n2. Enhanced Security:\nCloud hosting providers implement advanced security protocols, ensuring the safety of sensitive financial data. The use of encryption techniques, firewalls, and regular data backups provide businesses with peace of mind, knowing their data is protected from cyber threats and potential hardware failures.\n3. Scalability and Flexibility:\nCloud QuickBooks hosting offers businesses the flexibility to scale resources up or down as needed. Whether it’s adding more users during peak seasons or reducing resources during slower periods, cloud hosting ensures businesses pay for only what they require, making it a cost-effective choice.\n4. Disaster Recovery and Data Backup:\nIn the event of a disaster or system failure, cloud QuickBooks hosting offers reliable data backup and recovery options. Cloud hosting providers typically have multiple data centers and backup routines in place, minimizing the risk of data loss and ensuring business continuity.\nFrequently Asked Questions (FAQs)\n1. Is QuickBooks Online the same as cloud QuickBooks hosting?\nNo, QuickBooks Online and cloud QuickBooks hosting are distinct solutions. QuickBooks Online is Intuit’s web-based accounting software accessible via a web browser, while cloud QuickBooks hosting involves hosting the desktop version of QuickBooks on remote servers, accessible via the internet.\n2. Can I access cloud QuickBooks hosting from a Mac computer?\nYes, cloud QuickBooks hosting is compatible with both Windows and Mac operating systems. You can access your hosted QuickBooks application from any device with an internet connection, regardless of the operating system it runs on.\nIn conclusion, cloud QuickBooks hosting offers businesses a modern and efficient way to manage their financial operations. By optimizing its usage, adhering to best practices, and leveraging its advantages, organizations can streamline their accounting processes, enhance collaboration, and make informed financial decisions. Explore a reliable hosting provider, apply the shared tips and tricks, and take advantage of the benefits cloud QuickBooks hosting offers. Embrace this technological advancement and pave the way for a more efficient financial future for your business!", "domain": "finance"}
{"url": "https://melbarestaurant.com.au/credit-card-payments/", "date": "2023-12-10T08:39:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679101282.74/warc/CC-MAIN-20231210060949-20231210090949-00309.warc.gz", "language_score": 0.9059406518936157, "token_count": 113, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__206563450", "lang": "en", "text": "Credit Card Payments\nRate is inclusive of Goods and Services Tax (GST).\nCredit card payments incur a merchant service fee in addition to the total amount payable as follows:\nMasterCard, Visa and American Express 1.2% (Inc GST)\nChina Union Pay 1.75% (Inc GST)\nDiners Club, JCB and Discover 3% (Inc GST)\nPayments by cash or EFTPOS do not attract a merchant fee.\nPublic Holiday Pricing:\nA surcharge of 15% applies on all Victorian public holidays.", "domain": "finance"}
{"url": "https://www.cybrosys.com/blog/5-key-benefits-of-erp-and-crm-integration", "date": "2020-09-30T02:57:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600402101163.62/warc/CC-MAIN-20200930013009-20200930043009-00542.warc.gz", "language_score": 0.9029536247253418, "token_count": 759, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__70752823", "lang": "en", "text": "The technology works as an accelerant to the business organization. If a business is already efficient, technology will make it even more efficient. Conversely, if an organization is inefficient, the technology will eliminate all its inefficiencies via bringing out the best possible solutions. Progressive companies maximize their efficiencies via integrating the enterprise databases like CRM and ERP.\nIn our previous blog titled CRM vs ERP, we already discussed the component features in details. It's known fact that CRM software functions with front-office information pertaining to customer interactions with sales, marketing, and support, conversely ERP software handle the critical back-office data. It also manages the customer information like purchase history, billing and shipping details, and accounting information once the order has been placed.\nBoth ERP and CRM software solely offer substantial benefits to businesses. If ERP and CRM are integrated into a single software system, the business organization can seamlessly process their financial management, management Process, and marketing Process.\nLet us look into the 5 key benefits of integrating CRM in an ERP system.\n1. A 360-degree customer analysis.\nOne of the prime advantages of integrating CRM in an ERP software is that it provides a detailed and complete overview of the potential customer. One can easily track customers buying habits, order history and also the general needs. From sales and support to finance and accounting, the integration makes everything seamless. With a better customer base insight it conversely builds lasting relationships, thereby determine the future potential growth. Consistent data gives better analytics and reporting, leaving customer preferences, profitability, and loyalty easy to track.\n2. Real-time access to crucial information\nLack of timely information comes along with the risk of employees becoming less efficient and productive, resulting in a loss to customers. A fully integrated CRM and ERP software will provide the employee's access to real-time information without many complexities. In a single click, all the information pertaining to inventory levels, shipments, customer financials, order history, returns, payments, pricing are brought in.\n3. Eliminate tedious data entry and duplication\nBoth ERP and CRM software is embedded with contact and account information for different business purposes. While ERP focusses mainly on the billing and shipping addresses, CRM primly focuses on the prospects and sales/support. The ERP and CRM integration removes the tedious task of duplicating the data entry by bringing the identical rules for both CRM and ERP. For instance, if any kind of alterations made in the ERP, it will automatically reflect in the CRM and vice versa. The same principle applies to the addition/removal of custom fields, new entries or any kind of changes in the database.\n4. Efficient inventory and quote management\nIntegrating CRM with ERP initiates the businesses to turn their proposal generation into actual orders, which can be executed and tracked in an ERP system. It reduces the time consumed for the management of data, thereby improving the efficiency of the company. Furthermore, a sales team would have enhanced visibility regarding order status updates for customers and easy access to make necessary changes if needed.\n5. Reduced IT and training overheads\nWith a single, unified platform with functionalities of both ERP and CRM, one can easily bring down the IT costs. A single platform reduces the expense of maintaining two separate systems. With an efficient integration, one can also bring down the amount of support and training.\nCybrosys Technologies, understand the client’s needs and processes, accordingly integrate the ERP befitting your business needs. For any feedback or queries, kindly drop your message to firstname.lastname@example.org.", "domain": "finance"}
{"url": "http://sandrawatkins.net/short-sales.html", "date": "2017-06-28T10:44:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128323604.1/warc/CC-MAIN-20170628101910-20170628121910-00165.warc.gz", "language_score": 0.9582734704017639, "token_count": 1211, "dump": "CC-MAIN-2017-26", "global_id": "webtext-fineweb__CC-MAIN-2017-26__0__60688164", "lang": "en", "text": "|Your Source For Georgia Short Sales!\nForeclosure is one of the most devastating financial challenges that a family can face\nand one that many times can be avoided. The options available to residents for foreclosure\nare many, including but not limited to short sales. Following is a brief explanation of these\nA reinstatement is the simplest solution for a foreclosure, however it is often the most\ndifficult. The homeowner simply requests the total amount owed to the mortgage company to\ndate and pays it. This solution does not require the lender's approval and will 'reinstate' a\nmortgage up to the day before the final foreclosure sale.\nForbearance or Repayment Plan\nA forbearance or repayment plan involves the homeowner negotiating with the mortgage\ncompany to allow them to repay back payments over a period of time. The homeowner\ntypically makes their current mortgage payment in addition to a portion of the back\npayments they owe.\nA mortgage modification involves the reduction of one of the following: the interest rate on\nthe loan, the principal balance of the loan, the term of the loan, or any combination of these.\nThese typically result in a lower payment to the homeowner and a more affordable mortgage.\nRent the Property\nA homeowner who has a mortgage payment low enough that market rent will allow it to be\npaid, can convert their property to a rental and use the rental income to pay the mortgage.\nDeed-in-Lieu of Foreclosure\nAlso known as a \"friendly foreclosure,\" a deed-in-lieu allows the homeowner to return the\nproperty to the lender rather than go through the foreclosure process. Lender approval is\nrequired for this option, and the homeowner must also vacate the property.\nMany have considered and marketed bankruptcy as a \"foreclosure solution,\" but this is only\ntrue in some states and situations. If the homeowner has non-mortgage debts that cause a\nshortfall of paying their mortgage payments and a personal bankruptcy will eliminate these\ndebts, this may be a viable solution.\nIf a homeowner has sufficient equity in their property and their credit is still in good standing,\nthey may be able to refinance their mortgage.\nServicemembers Civil Relief Act (military personnel only)\nIf a member of the military is experiencing financial distress due to deployment, and that\nperson can show that their debt was entered into prior to deployment, they may qualify for\nrelief under the Servicemembers Civil Relief Act. The American Bar Association has a\nnetwork of attorneys that will work with servicemembers in relation to qualifying for this relief.\nSell the Property\nHomeowners with sufficient equity can list their property with a qualified agent that\nunderstands the foreclosure process in their area.\nIf a homeowner owes more on their property than it is currently worth, then they can hire a\nqualified real estate agent to market and sell their property through the negotiation of a\nshort sale with their lender. This typically requires the property to be on the market and the\nhomeowner must have a financial hardship to qualify. Hardship can be simply defined as a\nmaterial change in the financial stability of the homeowner between the date of the home\npurchase and the date of the short sale negotiation. Acceptable hardships include but are\nnot limited to: mortgage payment increase, job loss, divorce, excessive debt, forced or\nunplanned relocation, and more.\nThis represents only a summary of some of the solutions available to homeowners facing\nforeclosure. Locate a CDPE in your area for an evaluation of your individual situation,\nproperty value, and possible options.\nUnderstanding your options now could mean all the difference in the world.\nWhat is a Short Sale?\nA short sale can be an excellent solution for homeowners who need to sell, and who owe\nmore on their homes than they are worth. In the past, it was rare for a bank or lender to\naccept a short sale. Today, however, due to overwhelming market changes, banks and\nlenders have become much more negotiable when it comes to these transactions. Recent\nchanges in corporate policy and the Obama administration have also improved the chances\nof getting a short sale approved.\nBut to be technical, here's a more official definition:\nA homeowner is 'short' when the amount owed on his/her property is higher than current\nA short sale occurs when a negotiation is entered into with the homeowner's mortgage\ncompany (or companies) to accept less than the full balance of the loan at closing. A buyer\ncloses on the property, and the property is then 'sold short' of the total value of the\nFor homeowners to qualify for a short sale, they must fall into all of the following\nFinancial Hardship – There is a situation causing you to have trouble affording your\nMonthly Income Shortfall – In other words: \"You have more month than money.\" A lender\nwill want to see that you cannot afford, or soon will not be able to afford your mortgage.\nInsolvency – The lender will want to see that you do not have significant liquid assets that\nwould allow you to pay down your mortgage.\nThis seems simple enough, but it is a complicated process that takes the expertise of\nexperienced professionals. Find a CDPE in your area by clicking here. Together, you can\nidentify all possible options and, when possible, a CDPE can assist you in the quick\nexecution of a short sale transaction.\nShort sales have become much more efficient and stream lined. No longer do you have to\nwait for months for the bank to make a decision. We are getting approvals within two weeks\nonce all documents are in the banks hands.\nCall me to start the process before your options are gone.\n|Learn the TRUTH about short sales", "domain": "finance"}
{"url": "http://annandaleco.com/", "date": "2023-11-30T03:51:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100164.87/warc/CC-MAIN-20231130031610-20231130061610-00409.warc.gz", "language_score": 0.9027701020240784, "token_count": 193, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__35538732", "lang": "en", "text": "QUICK SERVICE RESTAURANTS\nFast-food, or quick-service restaurants (QSRs), continue to thrive, which makes the industry a great place to invest. Fifty million Americans eat at a fast-food restaurant daily, which accounts for the 2018 U.S. revenue of $256 billion, and 2019 growth is projected around 4%. QSRs like McDonald’s, KFC, Wendy’s, and Starbucks are stable, long-term net-lease investments with reliable, creditworthy tenants, effortless monthly income, periodic rent increases for 10-15 years, and few or no maintenance responsibilities.\nQuick Service Restaurants for sale listings are some of the hottest retail properties in the market. Whether you are looking to buy a Fast Food, Quick Service Restaurant or sell your Fast Food, Quick Service Restaurant, Annandale is here to help you through the process for the best possible outcome.\nContact Us Today!", "domain": "finance"}
{"url": "https://climatecitizens.org.uk/open-position-for-a-masters-in-our-team/", "date": "2023-12-11T16:10:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679515260.97/warc/CC-MAIN-20231211143258-20231211173258-00859.warc.gz", "language_score": 0.896960973739624, "token_count": 109, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__119760470", "lang": "en", "text": "We have funding to cover the tuition fees for one Masters of Science by Research (MSc-R) at Lancaster Environment Centre, Lancaster University.\nThe successful applicant will join the Climate Citizens project team to conduct a piece of original research on one of two topics:\n- Green financial reform and the prospect of democratisation\n- What climate policies do the public want to see?\nMore information about the opportunity can be found here.\nThe funding covers tuition fees only, there is no stipend (living expenses) included in the funding.", "domain": "finance"}
{"url": "https://sinpfportal.com/Suspense.aspx", "date": "2024-02-22T11:09:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473738.92/warc/CC-MAIN-20240222093910-20240222123910-00648.warc.gz", "language_score": 0.9157183766365051, "token_count": 114, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__193305751", "lang": "en", "text": "SINPF Online Portal\nUse the search below to check if there are any unidentified transactions for your SINPF account.\nThe employers list only shows those who have unidentified transactions, so if you can't find your employer then that's great!\nIt means all your contributions have been successfully allocated to your account.\nSuspense transactions are held for a maximum of 5 years (60 months) before being transferred to the General Reserve.\nThe Months Remaining column shows how many months left.\nCopyright © 2024 Biztec Solutions Ltd All rights reserved.", "domain": "finance"}
{"url": "https://www.acmconstructions.com.au/latest-news/first-home-owners-grant/", "date": "2024-02-21T22:28:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473558.16/warc/CC-MAIN-20240221202132-20240221232132-00039.warc.gz", "language_score": 0.9605211019515991, "token_count": 538, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__90516649", "lang": "en", "text": "Buying your first home is huge. It’s mind-blowing to imagine being finally free of house inspections, lease renewals, ignored communications from absentee agents, and less-than-stellar maintenance. For many people, it is the culmination of a lot of strict saving and dedication, as well as a lot of patient waiting.\nThe First Home Owners Grant is an initiative that was introduced in 2000 to make buying a home more accessible. Like most of the home-buying process, the First Home Owners Grant can be a little confusing. So ACM Construction has put together a little information to help you get started. This is article is not, by any means, comprehensive but will hopefully point you in the correct direction for further investigation.\nWhat is the First Home Owners Grant?\nThe First Home Owners Grant (FHOG) is a sum of $15,000 for QLD homes bought in 2019 from the government. Depending on State, the sum and restrictions can vary so it is important to look up your State’s regulations. This sum can be used as your deposit when buying a home or can be applied to your principal.\nThis grant is awarded to people buying or building new owner-occupied homes. Additionally, owners of the home must live in the house for at least one year continuously. If the conditions of the grant are breached, homeowners must pay back all money received. Substantially renovated homes may be eligible, however, renovated homes have a set of complex criteria surrounding what the government will deem eligible. Always make sure you do your research and speak with a knowledgeable professional.\nIt is import to remember if you are buying a house jointly with someone else you must both satisfy the grant’s criteria in order to be eligible. Furthermore, you will only receive one grant. If you are interested in finding out your eligibility for assistance, you can visit the Queensland Government’s estimator.\nWhile the first home Owners grant is a great bonus for people looking to own their own home, it doesn’t work for everyone. For people looking to buy a previously lived-in home that is still in great condition, the First Home Owners Grant will provide no relief. The same is true for people looking for an investment property.\nHowever, in this circumstance, you may still be eligible to receive some form of assistance. For homes under $550,000 you can receive a concession on Stamp Duty.There are some handy estimating tools available for transfer duty and first home concessions, among others. Again, you should always consult with a knowledgeable professional before taking action. As such we recommend you consult with an approved agent.", "domain": "finance"}
{"url": "https://www.situslotjoker.com/best-crypto-gambling-sites-of-2023/", "date": "2023-12-07T17:50:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100677.45/warc/CC-MAIN-20231207153748-20231207183748-00843.warc.gz", "language_score": 0.938939094543457, "token_count": 724, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__25990414", "lang": "en", "text": "In this article, we will review some of the top Bitcoin casinos that offer a variety of games, bonuses, and features for crypto enthusiasts. Whether you want to play slots, table games, live casinos, or sports betting, these sites have something for everyone. Here are our picks for the best crypto gambling sites of 2023:\n- mBit Casino: This is a safe and easy-to-play crypto casino site that offers over 2000 games from top providers like NetEnt, Microgaming, and Play’n GO. mBit Casino also has a generous VIP program that rewards loyal players with cashback, free spins, and exclusive offers.\n- BitStarz: This is a top-rated online casino that accepts both Bitcoin and fiat currencies. BitStarz has a huge game library with over 3000 titles, including slots, jackpots, table games, and live casinos. BitStarz also has regular promotions and tournaments that give players a chance to win big prizes.\n- 7Bit Casino: This is a recommended real money slot site that has over 4000 games from leading providers like Betsoft, Pragmatic Play, and Yggdrasil. 7Bit Casino also has daily cashback offers, reload bonuses and free spins for new and existing players.\n- FortuneJack: This site has a reputation for being fair, secure, and reliable. FortuneJack accepts a wide range of cryptocurrencies, including Bitcoin, Ethereum, Litecoin, Dogecoin, and more. You can also enjoy a generous welcome bonus of up to 6 BTC and 300 free spins on your first four deposits. FortuneJack has over 2000 games from top providers like NetEnt, Microgaming, and Evolution Gaming.\n- LuckyBlock: This site is powered by the Binance Smart Chain and offers a unique gaming experience with low fees and fast transactions. LuckyBlock has a variety of games, including slots, dice, roulette, blackjack, and poker.\n- Stake: This site offers a sleek and user-friendly interface. Stake accepts Bitcoin and other popular cryptocurrencies like Ethereum, Litecoin, Bitcoin Cash, and more. You can also use USDT as a stablecoin option. The stake has a huge selection of games, including original titles like Crash, Mines, Plinko, and Limbo.\n- Metaspins: This site aims to revolutionize the online gaming industry. Metaspins is built on the Polygon network and offers low fees and instant transactions. Metaspins has a unique feature called MetaSpinners, which are NFTs that represent different characters and themes. MetaSpinners can be used to play games on the site and earn rewards.\n- Cloudbet: This is one of the oldest and most trusted crypto gambling sites in the market. Cloudbet was founded in 2013 and has been offering high-quality gaming services ever since. Cloudbet accepts Bitcoin and other major cryptocurrencies like Ethereum, Bitcoin Cash, Tether, USD Coin, and more. You can also use credit cards or e-wallets to deposit and withdraw funds. Cloudbet has a huge library of games from leading providers like Play’n GO, Pragmatic Play, Betsoft, and more.\nThese are some of the best crypto gambling sites of 2023 that you should check out if you want to have fun and win big with cryptocurrencies. These sites offer a variety of games, bonuses, features, and payment options for crypto lovers. They are also safe, secure, and reliable platforms that have been tested and verified by thousands of players around the world.", "domain": "finance"}
{"url": "https://www.elderoptionsca.com/long-term-care-insurance/", "date": "2018-09-21T03:47:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267156780.2/warc/CC-MAIN-20180921033529-20180921053929-00254.warc.gz", "language_score": 0.962178111076355, "token_count": 951, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__63610720", "lang": "en", "text": "What is Long Term Care Insurance?\nMy parents purchased a long term care insurance policy some years back. My father is in the hospital and my mother is worried about being able to care for him. I know Medicare will help with physical therapy, nurses’ visits, occupational therapy, speech therapy and/or a social worker for several weeks after discharge but know covered benefits are limited in scope and time. If the long term care insurance policy is a good one, it could help keep my father at home paying for additional care and supporting my mother as the primary caregiver too. Is long term care insurance something that can help them now?\nDepending on the policy your parents purchased, this may be the time to file a claim for benefits. Long term care insurance evolved more than 15 years ago as a retirement planning tool for healthy individuals who recognized the limitations of public coverage for long term care. The original product was called “nursing home care” because in truth, it only covered someone if or when they entered a nursing home. Fortunately, policies these days offer coverage for community-based care including care in your own home, in an assisted living, while attending adult day care, or in a nursing home. In reality, long term care can be defined as care you’ve purchased to use in your older years for a long time. You can only qualify to use it when you’re unable to accomplish daily tasks on your own such as walking, bathing, eating, or living alone safely.\nHow do I see if my parents qualify for benefits?\nIf both parents have coverage, it is likely that there are two policies since policies normally are written on the individual. After you locate the policy, look for a number to file a claim. When you call, you will need the individual’s full name, date of birth, policy number and reason you are filing a claim. Note: If you cannot locate the policy but have the name of the insurance company and the policy number and/or the date of purchase, you still may be able to file a claim.\nThe insurance company will then determine eligibility by sending out a home health professional to assess the individual’s ability to complete activities of daily living or will send a form to be completed by the individual’s physician regarding the need for assistance in the home. This process may take several weeks before eligibility is established.\nAfter reading my father’s policy, I believe he will qualify for benefits. Can I start services to help my father as soon as he is released from the hospital?\nYes, you can contract for help in your parent’s home with an agency that provides home care and if approved for benefits, the insurance company will normally recognize agency documentation. If the claim is approved, there may be an elimination period before benefits are paid.\nWhat is an elimination period?\nAn elimination period is a deductible period that must be met before the insurance will begin paying benefits. A typical elimination period is 30-90 days. The individual is responsible for paying for care privately with documentation sent to the insurance company. Once the required number of days is met, the insurance company will send a letter to the policy holder approving benefit payments.\nHow are payments structured once the claim is approved and the elimination period is met?\nPayments can be paid at a maximum daily rate i.e., $80/day or a capitated monthly rate of $2,500/month. Each policy should have a summary page at the beginning of the policy that details how benefits will be paid as well as the specifics of the elimination period.\nHow are these benefits different from those covered by Medicare?\nLong term care insurance covers services not covered within Medicare. Examples are assisting with ambulation and transfers, meal preparation, supervision when memory impairment requires supervision, helping someone to eat, bathing and personal care. These activities are necessary for a person’s independence but are considered non-medical home care.\nHow long will the benefits be paid?\nOnce a claim is approved for benefits, the insurance company will pay monthly benefits as long as the policy holder is disabled and eligible for benefits. An annual re-assessment is common to assure the disability remains. The company will continue to pay for the life of the policy or until all benefits have been utilized.\nCarol S. Heape, MSW, CMC is the CEO of Elder Options, Inc. She earned her BSW, MSW from California State University-Sacramento. She is a Certified Care Manager (CMC) earning her certification in the first year of the CMC through the National Academy of Certified Care Managers.", "domain": "finance"}
{"url": "https://www.fonsecalaw.co.uk/blog/Patricks-Blog/2019/07/10/Your-guide-to-child-support-in-the-UK", "date": "2019-09-20T09:29:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514573988.33/warc/CC-MAIN-20190920092800-20190920114800-00000.warc.gz", "language_score": 0.9678582549095154, "token_count": 867, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__81076619", "lang": "en", "text": "Your guide to child support in the UK\nChild maintenance was introduced as the ‘The Child Support Act 1991’ because the government were concerned that single parents were not being supported enough, often resulting in child poverty. The government felt that parents should be financially responsible for their children, so introduced the act so that maintenance payments could begin.\nWhere possible, parents are now responsible for making payments to support their children, rather than the single parent relying on financial support from the government.\nBelow, we’ve put together a child support guide to help you get a better understanding of some key points.\nWhat is child support?\nChild support, or child maintenance, means regular financial support that is paid by one parent to another. This payment is made as a contribution towards the child’s everyday living costs and covers children who are under the age of 16, or under the age of 20 provided they are in full time education.\nHow do I apply for child support?\nYou can apply for child support yourself or apply through the Child Maintenance Service (CMS). The CMS is a ‘statuary child maintenance service’, and they can work out how much child support you should receive, and they are also able to collect payments.\nThe CMS is a government run agency with no ties at all with the court system. If you fail to agree the level of child maintenance that is to be paid, then either parent can apply to the CMS and ask them to conduct an assessment.\nChild support agreements\nIn the best-case scenario, both parents will be able to agree on the level of financial support that the parent with full time care should receive. When an agreement between each parent can be amicably agreed, this generally causes less animosity and can cover various scenarios and expenditure. Many parents often agree to share all expenses, such as clothing, childcare fees, school trips etc.\nIf both parents agree on the amount of child support that should be received, then the level and frequency of payments can be recorded in a written document. If the agreement is more complex, or yearly increases are to be made, the document may need to be more thorough. The document does not have to be registered with the CMS, but if you have any queries regarding child maintenance it is worthwhile contacting the CMS to seek advice.\nA child support agreement is most useful when both parents trust each other and are honest with their financial circumstances. However, it’s worth noting that a private agreement is not legally binding, so if one parent was to change their stance on the situation they will not be legally held to the terms of the agreement. In this case, it’s likely you’ll have to make an application to the CMS.\nA court agreement is similar to a private agreement, however the agreement between each parent is recorded and approved by the court in the form of an order. This results in an agreement that is legally binding for at least 12 months. If one parent wishes to change the terms of the agreement, and the change cannot be agreed between each party, then either may apply to the CMS for a further assessment. This option is only available as part of a divorce or dissolution, and only by agreement.\nWho pays child support?\nThe parent responsible for paying child support is the parent who doesn’t have day to day care of the child. It will be their responsibility to make child support payments to the parent who does have day to day care of the child.\nThere are 4 rates of child maintenance, and these rates are used with the paying parent’s financial income to calculate the weekly amount of child support that should be paid.\nThe government website offers a useful child maintenance calculator that you can use to estimate the amount of child maintenance that should be paid from one parent to another.\nIf you need guidance on any aspect of family law, or any of the other legal services that we offer here at Fonseca Law, then don’t hesitate to get in touch with us. Our expert legal team are on hand to offer the best advice possible. Call us today on 01495 303124, e-mail email@example.com, or fill in our convenient online contact form.", "domain": "finance"}
{"url": "https://www.nagdca.org/Best-Practices/NAGDCA-Notes/ArtMID/5428/ArticleID/2245/California-State-Teachers-Retirement-System-Ebook-Online-Enrollment-Kit%E2%80%9D-", "date": "2018-12-12T20:45:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376824119.26/warc/CC-MAIN-20181212203335-20181212224835-00124.warc.gz", "language_score": 0.9565023183822632, "token_count": 676, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__218802951", "lang": "en", "text": "The California State Teachers’ Retirement System (CalSTRS) is the largest educator-only pension fund in the world. CalSTRS administers a hybrid retirement system, consisting of traditional defined benefit, cash balance, and defined contribution plans. CalSTRS serves California’s more than 896,000 public school educators and their families from the state’s 1,700 school districts, county offices of education and community college districts.\nOn average, CalSTRS members retire at age 62 after more than 25 years of service, with a defined benefit pension that replaces about 50 to 60 percent of their salary. For new educators, the CalSTRS defined benefit pension will replace about 50 percent of their final salary. Members will need to close any gap between their target retirement income goal and their CalSTRS retirement benefit with personal savings and investments. For this reason, CalSTRS created its voluntary supplemental savings, a defined contribution plan, known today as Pension2.\nWith Pension2, CalSTRS offers its members and classified employees of CalSTRS-covered employers an opportunity to supplement their defined benefit pensions through pre-tax or Roth payroll contributions to 403(b) and 457(b) plans. Pension2 provides low-cost, flexible investment options with free financial services like retirement saving planning calculators, access to financial advisors, and financial awareness workshops. Voya Financial works in partnership with CalSTRS staff as Pension2’s recordkeeper.\nThe primary goal of the Pension2 ebook was to create an online “enrollment kit” which would include all the information, tools and resources one might need to plan for and learn about retirement. Not only did it have to be informative and intuitive, it also had to be easy to use and pleasing to the eye. The goal was not to just to make information available on a website but to create an experience that members would come to appreciate and rely on.\nThe Pension2 ebook was rolled out in the first quarter of 2015 and continues to be a go-to place for members to get program information. Its theme is consistent with other Pension2 materials, bringing a sense of familiarity and belonging. The ebook includes the following:\n• Welcome and why Pension2\n• Five reasons to start today\n• Plan Highlights\n• What kind of investor are you?\n• Tools, calculators, and videos\n• How to contact us\nDuring the fall 2015 campaign, 9,331 accessed the ebook to learn more about Pension2 and 2,741 users interacted with the savings widget and visualized how their savings could grow. 570 people enrolled in Pension2, which accounted for 34 percent of all new enrollments from January 2015 to November 2015.\nFor the September through December 2015 timeframe, 10,413 people accessed the ebook, 8,938 of them unique. CalSTRS was also able to track the specific pages users interact with, allowing them to gauge interest within the site.\nIn this increasingly digital age, CalSTRS continues to look to the Pension2 ebook as a primary method of information delivery for its members and uses its flexibility in campaigns to help people get on a path to a more secure financial future.\nTo view and learn more about CalSTRS ebook online enrollment kit, visit voyadelivers.com/calstrs/ebook.", "domain": "finance"}
{"url": "https://laptophit.com/how-to-make-money-podcasting/", "date": "2023-06-04T20:36:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224650264.9/warc/CC-MAIN-20230604193207-20230604223207-00487.warc.gz", "language_score": 0.9491886496543884, "token_count": 4978, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__27449673", "lang": "en", "text": "Podcasting could be converted into a profitable venture, as long as you have a clear idea of your target audience, consistent content production, and effective marketing strategies.\nWhether you’re passionate about sharing your knowledge or want to tell captivating stories, podcasting offers endless possibilities for creativity and success. So why not take the plunge and start exploring this exciting medium?\nWith dedication and hard work, you could be the next big thing in podcasting! Transform your podcast into a profitable enterprise with ease. Since you already possess the product, all that remains is to utilize it for financial gain.\nThis article will demonstrate the exact steps required to generate income through podcasting in an efficient and speedy manner. Without further ado, let us commence.\nCan you really make money podcasting?\nDefinitely. However, it is important to note that we do not expect your podcast to generate immediate profits. Like with any endeavor, you will need to invest time and effort in order to achieve success.\nMaking your podcast profitable is closely related to utilizing your personal or podcast brand, which will undoubtedly be advantageous for you in the future. If you have a dedicated audience, there are several ways to generate income from podcasting.\nHow Do Podcasts Make Money?\nThere are numerous ways to earn money from your podcast, which is the most fascinating aspect of monetization.\nIt’s important to remember that various ways of making money are more suitable or efficient during different phases of growth. A strategy that’s successful for a well-established, widely known podcast may not be as feasible for a new one, and that is acceptable.\nTo attract advertisers, broaden your audience.\nIt should be obvious that if your podcast has a significant number of loyal followers, including advertisements in your episodes is a smart move. Businesses are willing to pay a high price to reach out to your audience through their ads.\nPodcasters who have a limited number of listeners should focus on expanding their audience before they can attract sponsors. With sufficient effort, promoting their brand and generating positive word-of-mouth buzz, this increase in listenership will occur naturally.\nEarning income through the inclusion of advertisements and sponsorships within a show.\nSponsorships and advertising contracts are highly profitable and demand minimal effort on your end (except for finalizing the arrangement, of course). As these brands and businesses compensate you for promoting their products, the greater your audience size, the larger payment they are prepared to offer.\nIf you are a podcast listener, you may recognize the familiar line “brought to you by xy and z”, which indicates sponsorship.\nSeveral podcasting advertising companies exist to facilitate connections between podcasters and advertisers. These companies oversee the practical aspects and management for a cost.\nIf you run a podcast that caters to a particular audience, consider contacting businesses that specialize in that niche. You might discover a valuable collaboration opportunity.\nAt what point should I begin considering making money from my podcast?\nThe choice is yours as to how you want to approach the financial aspect of your podcasting venture, whether it be more of a hobby or a serious business endeavor.\nDo you want to earn some extra cash from your podcast or do you want it to contribute significantly to your income? Depending on your answer, you will need to decide when and how to monetize your podcast.\nUltimately, the starting point of your podcast doesn’t hold much significance. However, as previously stated, the growth stage of your podcast may determine the varying opportunities available to you.\nThere are twelve methods to generate income from a podcast.\n1. Ask for donations\nThere is a common phrase that suggests requesting something is necessary for receiving it. One way to earn money through your podcast is by simply asking your audience for donations.\nYour loyal listeners may choose to donate through platforms like Patreon or PayPal to help support your podcast.\n2. Offer paid membership tiers\nBy offering different pricing tiers with varying levels of access and perks, you can cater to different levels of commitment from your fans and increase revenue.\nIt’s a win-win situation as your fans are happy to pay for exclusive content, and you earn money from providing it. I’m sorry, but there is no paragraph provided to paraphrase. Please provide the original paragraph.\nA membership program is beneficial for podcasters who prefer not to associate with brand partnerships as it allows them to maintain their independence while still making money from their podcast.\nIn other words, if you have already secured a profitable advertising agreement, you could provide a choice for your paying subscribers to enjoy your content without any ads. It just takes determination and effort to make it happen.\nWhat are Podcast Memberships\nIn simpler terms, a podcast membership is a subscription that offers a more personal touch. This means that your audience will pay a set fee on a regular basis to receive unique content and features.\nHaving podcast memberships can be a beneficial means of obtaining a steady financial flow and also enhancing the feeling of belongingness within your audience. It’s a mutually advantageous situation in our opinion.\nPodcasts that have a dependable fan base who frequently keep up with and interact with your content are most suitable for a membership framework.\nWays to Generate Revenue from a Podcast through Memberships\nMake sure that your membership is beneficial and valuable.\nIt is possible that many people who listen to your podcast will show their support due to their kind intentions towards you and their belief in the potential success of your podcast. However, you should not solely depend on this support.\nEnsure that your audience perceives the offer as advantageous when you request them to make recurring payments.\nProduce additional or superior material for individuals who have subscribed to your service.\nYou have the freedom to be inventive and enjoy designing special content for those who belong to your membership program. The workload involved in crafting such content can be adjusted according to your preferences.\nYou have the option to film more episodes and allow your members to view your recording process live, or ask for their input on future content. The decision ultimately depends on what you believe your audience would be interested in paying for.\nCreate tiered memberships\nOne option is to provide varying tiers that include increasingly impressive benefits and exclusive advantages. This accommodates a range of price ranges and may entice individuals with limited funds to become members.\nA basic subscription may involve a small charge in exchange for a straightforward announcement on your program, while a premium membership provides the opportunity for your audience to attend live events and interact with you directly, either in person or virtually.\nConsider becoming a member of Apple’s Podcasters Program to offer subscriptions for sale via Apple Podcasts. Alternatively, you could establish membership options using Patreon.\n3. Get sponsorships or sell ads\nIf you have a significant number of followers or focus on a specific group of listeners, it should be relatively easy to obtain sponsorship or advertising agreements.\nIf you are selling a sponsorship or advertisement, you are essentially offering time for promotion before, during, or after your episode. The most sought-after and consequently high-priced ad placement is mid-roll because it is less likely for your listeners to skip through it.\nPost-roll, being the least impactful form of placement, is comparatively inexpensive due to the fact that majority of the audience tends to discontinue listening or move on to the next episode.\nThere exists two common categories of advertising in podcasts:\nThe host promotes the product. As the host, you can discuss and showcase the product or service without causing disruption to the overall flow of your episode. This approach may be less intrusive.\nPre-recorded ads. The advertiser who purchases the slot for an advertisement gives you a previously recorded commercial. Your role is to incorporate the recording into the specified quantity of episodes.\n4. Join an advertising network\nPodcast Advertising Networks like Midroll are here to simplify your life. They facilitate the connection between podcast hosts and potential brands and sponsors, thereby eliminating the need for you to put in the effort of finding them on your own.\n5. Sell repurposed content\nAfter investing your time and effort in making a podcast that contains valuable and insightful content, it is crucial to maximize its benefits. Consider transcribing your podcast, which is made easier with Riverside’s automated transcription function, as it can be repurposed for future use.\nAfter obtaining a transcript of your podcast, you can transform it into an article and attempt to present it to well-known publications that cater to your specific field of interest.\n6. Syndicate your show to YouTube\nTo syndicate your podcast to YouTube means to change its format and make it available as a video on the YouTube platform. While it is effortless to record a video podcast using Riverside.fm, if you are unable to do so, there is no need for concern. You can instead upload your podcast episode’s audio along with the cover art for your podcast as the video’s image.\nWhat is the YouTube Partner Program?\nThe YouTube Partner Program provides an opportunity to earn money from your YouTube content, as well as access to additional YouTube tools and options.\nOne can earn money through a podcast by utilizing the YouTube Partner Program.\naudience and earning revenue. However, it should be noted that meeting specific criteria, including meeting a minimum number of subscribers and viewers, is necessary to become a part of the YouTube Partner Program. By uploading your podcast on this platform, you can expand your audience reach and generate income. There may be members in the audience who do not use traditional listening platforms for podcasts.\nYou can earn revenue by creating podcasts and uploading them on YouTube.\nAdvertising Revenue. You will receive a share of the income generated from advertisements that are shown before, during, or alongside your content.\nChannel Membership. Analogous to the process of establishing levels of membership, podcast users have the option to make monthly payments in exchange for additional benefits and limited access content.\nSell your merch. By using your channel, YouTube provides the opportunity for you to earn extra income by selling merchandise that bears your brand.\nYouTube Premium Revenue. If a viewer who has subscribed to YouTube Premium watches your content, you will receive a share of the amount they paid for their subscription.\n7. Sell merchandise\nIt can be a successful source for the podcast creator, and secondly, it serves as a form of advertising for the podcast as anyone who wears or uses the merchandise becomes a walking billboard.\nIt’s no wonder that branded merchandise is so popular among everyone. As long as you’ve got an identifiable logo or artwork, you can quickly create various items such as t-shirts or coffee mugs.\nThe great thing about creating podcast-related merchandise is that it can serve two purposes at once. Firstly, it provides extra income for the podcaster through product sales, and secondly, it acts as an advertisement for the podcast because anyone who wears or uses the merchandise becomes a mobile advertisement.\nIt’s not surprising that there’s such a high demand for branded gear among people. One benefit of giving away branded t-shirts to your podcast listeners is that it is a cost-free marketing strategy. By simply wearing the shirt, they are advertising your podcast in a subtle manner.\nThere are various types of products and merchandise related to podcasts.\nJoe Rogan’s merchandise The products available vary from t-shirts and socks to duffel bags and beach towels.\n8. Public speaking\nAfter podcasting for a certain period and gaining credibility in your field of interest, you can begin to request payment for speaking engagements.\n9. Create a paid e-course\nIf you have an educational or informative podcast, you can make money from it by creating an e-course. You don’t need to spend a lot of money to create one. You can easily use your podcast content and add a few more details to make an e-course. Valuable suggestions, techniques and useful guidance.\nThe reason why people are keen to purchase E-courses is that they offer concrete outcomes. They have a clear understanding of what they are investing in and the benefits that come from it.\nMoreover, since you already have a captive audience, there is a high probability that many individuals will be interested in taking your course immediately after it is released.\n10. Sell content upgrades\nOne can earn some money easily and swiftly by providing content upgrades such as specific resources or downloadable aids to accompany their podcast. The upgrade should be relevant to the podcast episode’s subject matter and contribute positively to the listener’s encounter.\nAs an illustration, suppose your podcast episode focused on “ending procrastination”, you could provide a practical set of steps or a list to assist your audience in putting your recommendations into practice.\n11. Events and conferences\nOrganizing events and conferences is an excellent means of building bonds with your audience, generating income from your podcast, and fostering a sense of unity within your community.\nMaking money from your podcast through organizing a large event is a more ambitious and expansive approach. This method is ideal for well-established podcasts that have the ability to coordinate a significant event.\nAfter building a loyal audience and establishing your brand in the world of podcasting, you can consider taking the next step by organizing a larger event that requires tickets for admission.\nThe primary draw for most of your supporters will be the opportunity to meet you and any other hosts in real life. The type of gathering or occasion you organize will vary depending on the theme and target demographic of your podcast.\nIf your podcast content is meant to be informative, you could think about featuring seminars, training sessions, or group conversations. On the other hand, if you’re specifically doing comedic content, performing a stand-up comedy routine could be a good idea.\nGiven the current situation with COVID-19, it may not be feasible to hold a podcast event or conference in person. However, you could explore the option of organizing an online event or live broadcast instead.\n12. Sell consulting or coaching services\nAfter establishing oneself as a successful podcast host and demonstrating expertise in the field, one may begin providing consulting or coaching services to other podcasters.\nThis will entail offering guidance to other podcast creators on the most efficient ways to increase their audience, promote, and make money from their podcasts.\nAre you someone who prefers visual aids? If so, then you might want to see this video demonstration on how to earn money from your podcast.\n5 rapid and highly efficient strategies to earn money from your podcast\n1.Create a podcast with high-quality production.\na need to ensure that your podcast has a professional touch and is of a high quality if you aim to earn money from it, secure profitable partnerships and utilize your brand effectively. You’ll be able to gain the commitment and support of potential sponsors and listeners only if your podcast meets their expectations. There’s nothing more frustrating than having low-quality sound or unimpressive editing that hinders your abilities.\n2. Build a community\nPrior to considering how to make money from your podcast, it is imperative to consider your listeners and the community that surrounds your podcast. The audience and community are extremely valuable assets for any podcaster.\nIt’s not only about having a large number of followers. While building a significant audience is important, it’s essential to create a feeling of belonging and establish personal connections with them.\ngenerate more revenue from your podcast through advertising and sponsorships by fostering a loyal following who supports both you and your show.\nIn addition, when listeners are engaged and invested in your content, they may be more inclined to respond favorably to any advertisements or affiliate links incorporated into your episodes. Increase the cost of advertising on your platform.\n3.consider the type of monetization that will be suitable for both you and your audience.\nDifferent podcasts need different approaches to make money, depending on their audience and the nature of the podcast. Understanding these factors is necessary for effectively monetizing your podcast.\nvariety of sponsorship deals might work well. On the other hand, if you run a podcast about personal finance, creating an online course or offering consulting services could be more viable monetization options. It is crucial to understand your audience and tailor your monetization strategy accordingly.\nIf you are a teacher or coach, the opposite may be true, and a sponsorship agreement may not be as beneficial.\n4.Consider expanding your brand by being accepting of a variety of opportunities.\nIn a perfect scenario, your podcast would yield earnings directly from sponsors and advertisements without any further complications. However, this isn’t always feasible, particularly if you have a limited listener base.\nIf your goal is to earn profits through podcasting, it’s crucial to consider alternative sources of income that involve expanding your brand and the content you provide.\nExamples of this could include offering online courses, coaching services or creating more podcast episodes. This offer is only available to those who are subscribed. Expand your thinking beyond conventional methods.\n5. Find a middle ground and not hesitate to decline requests.\nYou don’t want to compromise the integrity of your podcast just to earn some extra cash. If you’re struggling financially or have a limited budget, any opportunity to generate income through your podcast can be incredibly helpful.\nHowever, it’s important to remember that you understand your podcast and its audience better than anyone else. It’s crucial to find a balance between earning money and maintaining the authenticity and relevance of your podcast for your listeners.\nYou should avoid sacrificing the quality or values of your content in order to make more money from it. You should prioritize your podcast’s integrity above all else.\nTrust your instincts and don’t hesitate to decline a deal or partnership that doesn’t feel right. You’re likely to find a more suitable opportunity soon enough.\nWhat is Affiliate Marketing for Podcasts\nYou can earn money by promoting and selling products as an affiliate.\nTo promote affiliate products to your audience, you have to advertise them as usual. The difference, however, is that instead of getting paid for simply featuring the advertisement, you receive payment based on the number of people who actually buy the product that you are promoting.\nAffiliate sales may not be a dependable source of income due to the uncertainty of how many customers will actually purchase the product being promoted.\nHow to Find Affiliate Sponsors\nIt is not always necessary to finalize a partnership agreement before promoting affiliate products on your podcast.\nto establish an affiliate relationship. With so many options available, it’s important to carefully consider which program will best suit your needs and fit with your brand.\nThere are numerous affiliate programs that can be easily accessed. A simple internet search can yield many options, but some of the most favored ones are Amazon Associates and Skillshare.\nAnother option is to connect with brands that align with your target audience and attempt to build an affiliate partnership. Because of the variety of choices, it’s essential to carefully evaluate which program would be most suitable for your requirements and align well with your brand identity. Establishing a unique relationship with an affiliate.\nOne way to make money from a podcast is by using affiliates as sponsors. Here are some tips on how to do it: First, find affiliate programs that are related to your podcast’s subject matter or niche.\nNext, look for affiliate products or services that you use and can genuinely recommend to your listeners.\nThen, promote the affiliate sponsor in each episode and provide a unique link or promo code for listeners to use when purchasing the product/service. Finally, track the results of the affiliate program and continually adjust your approach based on feedback and success rates.\nWhen you advertise an affiliate product on your podcast, it’s like taking a risk and wishing that the product will connect with your audience. Ideally, many listeners will buy the product and you’ll receive a considerable commission from their purchases. Buying.\nHow to Promote Your Affiliate Links\nIn your podcast, you have two options for promoting the affiliate product. You can either mention it casually during the episode if it aligns with your topic or create a separate segment solely dedicated to it.\nIt’s important to provide your listeners with the affiliate link, which can be shared verbally during the podcast. In addition to incorporating it into your show notes and podcast transcript.\nImportant tip: Inform your audience about receiving a commission from their purchase.\nHow Much Money Do Podcasters Make?\nThere is no definite amount that podcasters earn, as it largely depends on the popularity of their podcast. Ideally, podcasts with more downloads or listeners have a greater earning potential.\nIf you want to understand the typical income of a podcaster, it would be helpful to refer to our article that covers how much money podcasters usually earn.\nWho Are The Highest Earning Podcasters?\nForbes reports that the individuals who make the most money from podcasting are:\nJoe Rogan of The Joe Rogan ExperienceEarning $30 million every year and having 190 million downloads per month.\nKaren Kilgariff and Georgie Hardstark from My Favourite Murder have 35 million monthly downloads and make $15 million every year.\nDave Ramsey, the host of The Dave Ramsey Show, has a staggering amount of 13 million listeners tuning in each week and an annual income of $10 million.\nFrequently Asked Questions Related to Earning Money from Podcasting\nHow do you monetize a podcast?\nWe have observed that earning money through podcasting is not as challenging as it may seem. There are several options available to monetize a podcast; however, it requires dedication and efforts to achieve success.\nIt’s important to keep in mind that just because a certain strategy or approach works well for another podcast, it may not necessarily be effective for your own podcast.\nAre podcasts profitable?\nThere are several ways to monetize a podcast, such as ads, sponsorships, merchandise sales or even crowdfunding campaigns. If you have a passion for a specific topic and the skills to produce great content, creating a successful podcast can become your main source of income.\nThere are podcasters who have become well-known and are earning millions from their podcasts. However, not all podcasters find it easy to make money from their shows, especially if they are just starting out.\nDespite this, it is possible to earn a decent profit from podcasting provided that one has a large audience. Committed to implementing different approaches for making money.\nWhat is the minimum number of downloads required to earn money from my podcast?\nTo make money from your podcast, it is beneficial to have a larger audience or a smaller yet devoted group of listeners.\nDespite that, there are methods for less popular and smaller podcasts to begin earning revenue.\nWhat is the expense for initiating a podcast?\nThe expense of podcasting is entirely up to you. If you have a lot of money and are willing to spend it on a high-quality setup, the cost will be high. However, if you’re just interested in giving podcasting a try, you can get started for very little money.\nDo podcasts on Spotify make money?\nenable podcasters to earn money directly from their listeners. Simply put, podcasts on Spotify are a lucrative business opportunity that can generate revenue for creators through various methods such as sponsorships, advertisements, and affiliate marketing.\nAdditionally, a new podcast monetization scheme has been launched by Spotify (restricted to the United States currently) which allows podcasters to earn money directly from their audience. The platform allows podcasters to generate direct income.\nBy utilizing this scheme exclusively offered by Anchor, which is a podcast hosting service, you can optimize your podcast earnings by offering paid memberships.\nIs podcasting a good way to make money?\nUsing podcasting as a means to generate income can be effective. Certain famous podcasters earn millions annually, but this isn’t the reality for all. It demands a significant amount of effort and not all are able to rely on podcasting as their primary source of income.", "domain": "finance"}
{"url": "http://thessdguy.com/tag/helium/", "date": "2017-04-28T19:52:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123048.37/warc/CC-MAIN-20170423031203-00220-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9524949193000793, "token_count": 426, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__17401641", "lang": "en", "text": "The SSD Guy was recently asked whether HDDs would continue, at least through 2019, to remain preferable to SSDs as cost-effective high-capacity storage. The answer was “Yes”.\nLongtime readers will note that I steadfastly maintain that HDD and SSD gigabyte prices are unlikely to cross for a very long time. Historically, a gigabyte of NAND flash has cost between ten to twenty times as much as a gigabyte of HDD. Let’s look at where Objective Analysis expects things to go by 2019.\nOur current projections call for NAND price per gigabyte to reach 4.4 cents in 2019. I would expect for HDD to still be 1/10th to 1/20th of that price. Most likely 1/10th, since we expect for NAND flash to be in a significant oversupply at that time and will be selling at cost.\nIf HDD prices continue to hover around $50, then a 2019 HDD price of 0.44 to 0.22 cents per gigabyte (1/10th to 1/20th of the price of NAND flash) would imply an average HDD capacity of 11-23TB.\nA couple of weeks ago, on December 2, 2015, Western Digital’s HGST introduced its Continue reading\nEarlier this month Western Digital’s HGST division invited The SSD Guy to a launch of a number of products. On the HDD side there were:\n- 6TB air HDD, HGST’s last air-filled enterprise HDD\n- 8TB helium HDD, an incremental upgrade of last year’s 6TB helium HDD\n- 10TB shingled helium HDD (pictured)\nI view these as very solid evidence that HDD costs will continue to stay an order of magnitude cheaper than SSD costs, thwarting the price-per-gigabyte crossover that others have been predicting for years.\nIn fact, since my last post on the price crossover in 2011, very little has changed.\nIt’s safe to assume that the HDD industry will Continue reading", "domain": "finance"}
{"url": "https://www.seacoastbank.com/blog/business-bank-account", "date": "2020-01-18T06:40:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250592261.1/warc/CC-MAIN-20200118052321-20200118080321-00414.warc.gz", "language_score": 0.9488178491592407, "token_count": 582, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__148824937", "lang": "en", "text": "Did you know that if you do independent contractor work, even casual 1099 work like Uber driving, you should have a business bank account? Or maybe you know your established business should have its own bank account, but your frustrations with business checking options led you to keep using your personal account?\nIf you have an LLC or corporation, it must have its own bank account in its own name. An LLC or corporation is a separate legal entity from you, so it isn’t proper to put its money into your personal bank accounts even if you’re the sole owner.\nInstead, you should accept all business payments into and pay all business expenses from your business bank account. When it’s time to pay yourself, write yourself a check or set up direct deposit.\nIf you mix your business money with your personal money, a court could decide that you weren’t really operating as an LLC or corporation. If that happens, you could lose the legal protections you thought you received by incorporating.\nIt’s Required for All Business Types\nEven if you’re a small sole proprietor, you still need a separate business account. Federal law gives different protections to personal and business bank accounts, so you need to open the right bank account to protect your rights in the event you have to dispute something on your account.\nYour bank account terms also probably state that you can’t use personal accounts for business reasons. Banks do this to make sure they follow federal law and to give you the proper services and pricing. If you don’t follow your account terms, your bank may close your account which could disrupt your business if you suddenly can’t receive payments or pay your vendors.\nIt Makes Your Accounting Easier\nHaving a separate business bank account also makes your accounting easier. Whether you use automatic import to your bookkeeping software or send everything to your accountant, you won’t have to waste time separating out your personal transactions.\nYou’ll also have a clean, easy-to-understand set of financial records to use if you apply for a business loan, decide to sell your business, or get audited by the IRS. In addition, you won’t lose privacy by having your personal transactions placed under the microscope when your business transactions are reviewed.\nBusiness Accounts Offer More Services\nBusiness bank accounts aren’t just a must. They also give you additional benefits.\nOne of the most important features is limiting what access employees have to your accounts. You can decide who has check-signing authority, who can only make deposits, and who can use a debit card. You can also set limits on debit card use.\nDepending on your account tier, you may also receive benefits such as unlimited transactions, earning interest on your cash reserves, and lower-cost cash and change processing.", "domain": "finance"}
{"url": "http://www.stjohnsbreck.org/legacy-society-endowment-fund", "date": "2019-10-21T05:34:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570987756350.80/warc/CC-MAIN-20191021043233-20191021070733-00399.warc.gz", "language_score": 0.9387007355690002, "token_count": 827, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__25418017", "lang": "en", "text": "Legacy Giving Ministry at St. John's\n“The true meaning of life is to plant trees, under whose shade you do not expect to sit.” (Nelson Henderson)\n\"All you have shall some day be given; therefore give now, that the season of giving may be yours and not your inheritors'.\" (Kahlil Gibran)\nMaking a legacy gift is a powerful witness of faith, love and gratitude. This type of gift recognizes the heritage left by those who came before us, and acknowledges that we bear a responsibility to future generations to insure the continuation of God’s work within and beyond St. John’s.\nHow will my gift be used?\nIn order to be faithful stewards of all that Christ has given us, St. John’s has established a Permanent Endowment Fund. This fund and its operation are managed by the parish Endowment Committee with oversight by the Vestry, in accordance with the parish bylaws. The “principal” of the endowment gifts are permanent and only a small fixed percentage may be used at the discretion of the Vestry. The funds are carefully invested and accumulated earnings are used for purposes beyond those of the annual operating budget.\nShould I leave a legacy gift to St. John’s?\nA legacy gift is often the largest gift a person can make, so it is important to take time to make a prayerful and thoughtful consideration of the legacy you would like to leave. Individuals of all income levels make planned gifts to accomplish their charitable purposes. This type of gift speaks to intention and generosity more than net worth.\nA Gift of Gratitude, a Legacy of Faith\nThis journey starts by reflecting with gratitude and wonder on the abundance God has bestowed upon you during your lifetime. While in the presence of God, ask the Holy Spirit to reveal to you the people and institutions that helped you find your purpose and gave meaning to your life. Ask yourself:\n- Which institutions do I want to see prosper in order to serve and uplift the next generation?\n- What areas of ministry resonate with my gifts and passions, and have blessed me, my family, and others?\nNext, ask for the Holy Spirit’s guidance in creating a financial plan that honors these institutions and ministries. Your legacy gift will glorify God and bless others by making a difference in the future of a ministry that you have cherished and supported during your lifetime.\nHow do I leave a legacy gift to St. John’s?\nThere are many creative ways to make a legacy gift. Among them...\nA. Make a bequest in your will or trust. You may choose to donate a percentage or a specific dollar amount.\nB. Name the Church as a beneficiary of a life insurance policy.\nC. Name the Church as a beneficiary of a retirement account (e.g. IRA, 401k or 403b).\nD. Charitable gift annuity or charitable remainder trust. These types of gifts offer the donor guaranteed lifetime fixed income payments and may offer significant tax savings.\nE. A charitable lead trust offers significant estate tax benefits.\nF. Cash gifts. These types of gifts provide a tax deduction and are easy to make if you have liquid assets that are not needed now.\nG. Appreciated stock, securities, real-estate & tangible personal property gifts may offer significant tax benefits.\n*To make a legacy gift, consult with your your lawyer and/or tax/financial consultant.\nLegacy gifts state that I believe my Church should continue into the future as an expression of what has been meaningful in my life and as my blessing upon the next generation.\nWhat resources are available to help guide me through this process?\nMembers of St. John’s Legacy Committee\nTrusted family advisors (CPA, Attorney, Financial Planner, Insurance Agent)\nBelow: Bishop Rob with St. John's parishioners Spotswood, Charlotte, and Jim at the annual Legacy Society Lunch, 2016.", "domain": "finance"}
{"url": "https://fentonkeller.com/newsletter/offers-in-compromise-settling-tax-debt-with-the-irs/", "date": "2019-04-25T08:27:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578711882.85/warc/CC-MAIN-20190425074144-20190425100144-00009.warc.gz", "language_score": 0.9504666328430176, "token_count": 596, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__13189334", "lang": "en", "text": "IMany taxpayers are finding it difficult or impossible to pay their tax liabilities. In many cases, their tax liabilities are growing quickly as interest and penalties accrue. Ultimately, the IRS will attempt to levy their assets or garnish their wages. In certain situations, however, the IRS may agree to substantially reduce a taxpayer’s tax debt. Taxpayers may submit an “Offer in Compromise” to the Internal Revenue Service seeking to have their tax liability (including penalties and interest) reduced.\nGenerally, the IRS will not accept a proposed decrease in tax liability if it concludes that it can reasonably collect the full amount of the tax liability. In order for the Internal Revenue Service to make this determination, it requires that the taxpayer seeking the Offer in Compromise submit financial statements showing assets, liabilities, income and expenses. The IRS also considers the taxpayer’s potential for future income and allows for certain basic living expenses in determining the reasonableness of an Offer in Compromise. If the IRS concludes that the reasonable collection potential for a certain tax liability is greater than the amount offered, it will reject the Offer in Compromise.\nThe IRS may accept an Offer in Compromise on three grounds:\n- Doubt as to collectability. If it is doubtful that the taxpayer could ever pay the full tax liability owed within the remainder of the statutory period for collection, then the IRS is likely to allow the taxpayer to pay a lower amount in full satisfaction of the tax liability.\n- Doubt as to liability. If there is a reasonable possibility that the assessed tax liability is not accurate, the IRS may agree to accept a lower amount. For example, if the taxpayer can establish that the IRS has made an error or the taxpayer has new evidence in favor of its position, the IRS will consider these facts.\n- Exceptional circumstances. Even if there is no doubt that the assessed tax is correct and there is potential to collect the full amount of the tax owed, in certain exceptional circumstances the IRS will still consider an Offer in Compromise. In order to obtain an Offer in Compromise due to exceptional circumstances, the taxpayer must establish that the collection of the tax would create an economic hardship or would be unfair and inequitable.\nIn certain instances, if the Internal Revenue Service rejects an Offer in Compromise, it may propose a higher settlement figure. For taxpayers facing significant tax liability, an Offer in Compromise may provide much needed financial relief. Although the criteria are somewhat different, similar tax relief is also available from the Franchise Tax Board and Board of Equalization. To schedule a consultation to explore the possibility of seeking an Offer in Compromise, please contact Troy Kingshaven, Esq. at (831) 373-1241.\n– – – – – – – – – – – – – – – – – – – – – – – – – –\nBack to Newsletter Menu", "domain": "finance"}
{"url": "http://www.blowingrockrealty.com/article.php?table=article&mode=search&archived=false&type=views&article=208", "date": "2018-11-13T22:09:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039741510.42/warc/CC-MAIN-20181113215316-20181114001316-00312.warc.gz", "language_score": 0.9721879959106445, "token_count": 390, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__214230706", "lang": "en", "text": "What's Your Property Worth?\nOne of the recent trends in real estate has been for national websites like Zillow and others to offer “automatic” valuations of your property. When we real estate professionals have challenged their numbers or asked how in the world they came up with their valuations, they have mumbled something about “complicated computer-generated algorithms”.\nOur local High Country real estate market is quite unusual in that, unlike big cities, we seldom have two properties that are exactly alike. Even homes that are right next to one another may have completely different views or lot terrain. Seldom has a whole development been built at the same time. Immediately adjacent subdivisions or neighborhoods may be surprisingly different. An “automatic” valuation system or “algorithms” cannot take these varying conditions into account. For that, you need a real, live, experienced real estate professional who is familiar with the nuances of the local market.\nTo help you establish an appropriate asking price for your property, I would prepare a Comparative Market Analysis Report (a “CMA”) that would look at similar properties that have sold within the past year and others that are now on the market that would be likely to be shown with your property. I would select comparable properties that would appeal to a similar buyer. CMAs differ from appraisals by considering on-the-market properties as well as sold properties. There is no charge for this helpful report and information.\nIf you are a Buyer and I am representing you as your Buyer’s Agent, I would prepare a similar market evaluation for you for property you are considering purchasing. Again, there is no charge for this personal service.\nSo, while “automatic” valuations are increasingly available, they are still not as reliable as your friendly real estate agent! I’m here to help!", "domain": "finance"}
{"url": "https://www.kirmizikedi.com/kitap/urun/e2d523f6c7d94482a04cef5d64c73994", "date": "2021-06-24T12:20:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623488553635.87/warc/CC-MAIN-20210624110458-20210624140458-00093.warc.gz", "language_score": 0.9339308738708496, "token_count": 473, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__127395977", "lang": "en", "text": "Deriving income from the customers in a state without any physical presence in the state is the main feature that distinguishes digitalised businesses from the traditional businesses. It is a well-known fact that under the current traditional taxation rules, the business income of a non-resident enterprise would be taxable only the state in which enterprise is resident, unless it has a PE in the market state. In a case where the non-resident enterprise has a PE in the market state, then only income that is derived from that PE and it is attributable to it would be taxable in the market state. However, the traditional PE definition is entirely based on a taxable physical nexus which does not allow it to catch the income derived (i) from a country without any physical presence and (ii) from innovation new concept of value creation. This situation has triggered a political and academic discussion about how international taxation can be reformed to provide a \"reasonable and stable system for taxing profits of MNEs in the 21st century\".\nPolicymakers in all levels are currently struggling to find sustainable solutions which can ensure effective and fair taxation for taxpayers and tax authorities. In this regard, while some states have already taken some measures to tax the provision of some sort of digital services and goods by implementation Digital Service Taxes unilaterally, creating a new nexus ( Digital PE), allocating taxing right based on value creation and rethinking of profit allocation methods are the remain main subjects on the agenda of competent authorities.\nThis book is grouped into four parts:\nThe first part deals with the traditional permanent establishment concept by considering the OECD Model Convention and some international court cases.\nThe second part address the multilateral and unilateral measures regarding the taxation of digital economy and specific to the permanent establishment issue.\nThe third part of this book is focused on Value Creation in digital economy by providing some business models specific to the use of data.\nThe last part of this book aims to give a summary of the present and the proposed relevant profit allocation methods for taxation of digital economy.\n|Basım Tarihi||:||Ocak 2021|\n|Basım Yeri||:||Türkiye / İstanbul|\n|Boyutlar||:||16,00 x 23,50 cm|\n|Kağıt Tipi||:||2. Hamur|", "domain": "finance"}
{"url": "https://online.nursing.georgetown.edu/admissions/financing-your-degree/tuition-assistance-scholarships-and-loan-forgiveness/", "date": "2018-06-22T10:55:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864391.61/warc/CC-MAIN-20180622104200-20180622124200-00576.warc.gz", "language_score": 0.9307878613471985, "token_count": 190, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__118713849", "lang": "en", "text": "Tuition Assistance, Scholarships, and Loan Forgiveness\nA master's degree is a substantial financial investment. There are numerous funding opportunities and nursing scholarships available to Nursing@Georgetown students, which we encourage you to explore:\n- Federal Student Aid\n- Graduate PLUS Loans\n- Nursing Education Loan Repayment Program\n- Public Service Loan Forgiveness Program\n- National Health Service Corps Scholarships and Loan Options\n- Nursing Scholarships and Nursing Grants\n- Scholarships for Minority Students\n- State-by-State Scholarships\n- Georgetown University Office of Student Financial Services\nIn addition to these options, many health care organizations support their employees by offering tuition assistance for graduate nursing education. We encourage you to independently research funding opportunities that may be available to you through your employer, local agencies, or private organizations.\nIf you would like to know more about third-party billing and tuition benefits, contact the Office of Student Accounts.", "domain": "finance"}
{"url": "https://kvahealth.co.uk/industry-insights/web3-and-blockchain-demystifying-the-lingo", "date": "2023-12-01T09:14:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100286.10/warc/CC-MAIN-20231201084429-20231201114429-00065.warc.gz", "language_score": 0.9485988616943359, "token_count": 2366, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__109510623", "lang": "en", "text": "If you are new to Web3, you may be feeling overwhelmed by all the buzzwords and jargon that are used to describe this new technology. But don't worry, you are not alone. Many people are just starting to learn about Web3, and it can take some time to understand all the different concepts and terms.\nThis blog post will help to explain some of the most common Web3 buzzwords, including terms like decentralised finance (DeFi), decentralised applications (dApps), and non-fungible tokens (NFTs). By the end of this blog, you should have a better understanding of these terms and how they are being used in the world of Web3, blockchain and cryptocurrency.\nThe metaverse is a term used to describe a collective virtual shared space, created by the convergence of the physical and digital worlds. It is a concept that is often associated with science fiction, but is increasingly being discussed in the context of emerging technologies like virtual reality (VR), augmented reality (AR), and blockchain. The metaverse is seen as a potential future where people can interact with each other and with digital objects in a fully immersive and interactive online environment. It is envisioned as a global digital platform that will allow people to create, share, and experience a wide range of virtual experiences.\nA blockchain is a digital ledger of transactions that is distributed across a network of computers. Each block in the chain contains a record of multiple transactions, and once a block is added to the chain, it cannot be altered.\nThis allows for a secure and tamper-proof way to store and transfer data without the need for a central authority.\nNon-fungible token (NFT)\nA NFT is a non-fungible token, which is a unique digital asset that represents ownership of a digital item, such as a piece of artwork or collectible. Unlike traditional cryptocurrencies, which are interchangeable and have the same value, NFTs are unique and cannot be replicated. This makes them ideal for representing ownership of digital items that have value because of their uniqueness.\nA digital wallet is a piece of software that allows users to securely store their cryptocurrencies and make transactions with them. It works by generating a unique, cryptographic address for each user, which is used to send and receive digital assets. This address is stored on the blockchain, and because the blockchain is transparent and immutable, it allows users to easily and securely manage their digital assets without the need for a central authority.\nSmart contracts are self-executing contracts with the terms of the agreement between buyer and seller being directly written into lines of code. The code and the agreements contained therein are stored and executed on the blockchain. Smart contracts allow for the automation of digital transactions, which can help to make them more secure, efficient, and transparent.\nThey can be used for a wide range of applications, from simple financial transactions to more complex business processes. Because they are stored on the blockchain, smart contracts cannot be altered or deleted once they have been created. This helps to ensure their integrity and enforceability.\nAI, GPT and ChatGPT\nCurrently taking the world by storm, ChatGPT is a language model chatbot built by OpenAI and is built upon GPT (Generative Pre-trained Transformer). GPT is a machine learning model that uses deep learning techniques to generate natural language text. ChatGPT uses GPT-3 specifically and is an advanced version of the GPT model that has been trained on a massive dataset, allowing it to generate text that is often indistinguishable from that written by a human. In simple terms, ChatGPT is an AI model that can generate human-like text based on the given prompt and it can be fine-tuned to perform specific tasks.\nGPT-based models, like GPT-3, will likely have a major impact on the development of Web3 and decentralised technologies. GPT-3, in particular, has been used in a variety of ways to improve the functionality of decentralised applications, including natural language processing for decentralised finance platforms, content generation for decentralised social media, and automating smart contract development.\nLayer 1 refers to the underlying infrastructure of a blockchain network. This typically includes the protocols, rules, and consensus mechanisms that govern how the network operates and how transactions are processed and verified. Layer 1 is the foundation upon which other layers of the blockchain are built, and it is often considered the most important and fundamental layer. It is sometimes called the \"base layer\" or the \"network layer\" of a blockchain.\nLayer 2 refers to additional protocols or technologies that are built on top of a blockchain's underlying layer 1 infrastructure. These technologies are designed to improve the scalability, efficiency, or functionality of a blockchain network, and are often referred to as \"off-chain\" solutions. Technologies built within Layer 2 can help to increase the throughput of a blockchain network, reduce transaction fees, or enable new use cases that are not possible on the base layer alone.\nIn order to add a transaction to a blockchain, it must be verified by other users on the network. This verification process requires computing power, and users who contribute their computing power to the network are rewarded for their efforts.\nHowever, this process also requires a fee to be paid. This fee, called a \"gas fee,\" is paid to the users who verify the transaction and add it to the blockchain. This fee is designed to incentivise users to continue contributing their computing power to the network and to prevent spam or malicious transactions from clogging up the network.\nIn simple terms, gas fees are the fees paid to users who help verify transactions and add them to the blockchain. These fees are an important part of how a blockchain network functions and are essential to its security and stability.\nDecentralised identity (DID)\nDecentralised identity, also known as self-sovereign identity, is a digital identity that is owned and controlled by the individual, rather than by a central authority such as a government or corporation. This means that the individual has full control over their personal information and data, and can choose how and with whom to share it.\nThe goal of decentralised identity is to give individuals more control over their personal data and to enable more secure and efficient digital interactions.\nDecentralised application (dApp)\nA decentralised application is a type of software application that runs on a decentralised network, such as a blockchain. Unlike traditional applications, which rely on a central server to function, dApps are distributed across a network of computers, which makes them more resistant to censorship and downtime. dApps can be used for a wide variety of purposes, such as creating a digital currency, managing supply chain logistics, or building a social network.\nDecentralised finance (DeFi)\nDecentralised finance, or DeFi, is a financial system that is built on top of a blockchain. This means that it is not controlled by any central authority, such as a bank or government, but rather is managed by a network of users who interact with each other directly using smart contracts.\nDeFi allows for the creation of financial applications and services that are open, transparent, and accessible to anyone with an internet connection. This can include everything from lending and borrowing, to trading and investing, to insurance and prediction markets. The goal of DeFi is to provide people with greater access to financial services and to enable more inclusive and efficient financial systems.\nDecentralised storage is a way of storing data that involves distributing the data across a network of devices, rather than storing it on a central server. This means that no single device or entity has complete control over the data, making it more resistant to things like data breaches and outages. In general, decentralised storage systems are designed to be more secure, reliable, and scalable than traditional centralised storage systems.\nDecentralised governance is a system in which decision-making power is distributed among multiple parties, rather than being concentrated in a single central authority. This can take many forms, but the general idea is that decisions are made through a collaborative, participatory process that involves multiple stakeholders. In a decentralised governance system, power is distributed among various users, such as individuals, organisations, or communities, who all have a say in how decisions are made. This can make decision-making more transparent, inclusive, and democratic, and can help to prevent abuses of power.\nDecentralised exchange (DEX)\nA decentralised exchange (DEX) is a type of cryptocurrency exchange that operates without a central authority. This means that it is not controlled by any single entity, such as a company or government, and instead relies on a distributed network of computers to facilitate the buying and selling of cryptocurrencies. In contrast to centralised exchanges, which are more common, decentralised exchanges allow users to retain control over their funds and personal information, making them more secure and private. However, they often lack the features and liquidity of centralised exchanges, which can make them more difficult to use.\nProof-of-work is a type of algorithm used by some blockchain networks to achieve distributed consensus. In a proof-of-work system, network participants (called \"miners\") compete to solve complex mathematical problems in order to validate transactions and add them to the blockchain. The first miner to solve the problem is rewarded with a certain number of tokens or cryptocurrency. The difficulty of the problems is adjusted over time to ensure that the network processes transactions at a steady rate.\nProof-of-stake is a type of algorithm used by some blockchain networks to achieve distributed consensus. In a PoS system, the likelihood that a user will be chosen to add a new block to the blockchain is proportional to the amount of cryptocurrency that they hold. This means that users with a larger stake in the network (i.e. those who hold more of the network's cryptocurrency) have a higher chance of being chosen to add a new block, and therefore earn the reward associated with that block.\nIn contrast to proof-of-work (PoW) systems, which use mining to achieve distributed consensus, PoS systems do not require users to perform any computation in order to add new blocks to the blockchain. This means that PoS systems are typically more energy-efficient than PoW systems.\nIn simple terms, PoS is a method for achieving distributed consensus in a blockchain network that does not require mining. Instead, users with a large stake in the network have a higher chance of being chosen to add new blocks and earn rewards.\nOverall, the benefits of web3 are numerous and wide-ranging. By providing greater security and privacy, enabling more decentralised and inclusive applications and services, improving business operations, and enabling new economic models, web3 has the potential to revolutionise the way we interact with the web, and create new opportunities for growth and innovation.\nWeb3 also has the potential to revolutionise the healthcare industry, with blockchain technology being decentralised and secure, it makes it an ideal solution for storing sensitive data like patient records while also only allowing access to authorised parties.\nBlockchain could also be used in the clinical trial process, from recruiting participants to storing data and sharing results. All parties involved in a trial would be able access data in real-time and ensure data integrity.\nMedical research is also another area within healthcare that could benefit from a blockchain based solution. By potentially facilitating a more efficient and secure sharing of medical research data among researchers, institutions and companies, that could lead to faster and more impactful discoveries.", "domain": "finance"}
{"url": "http://omaraconsulting.co.za/about-us", "date": "2022-08-08T22:54:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570879.1/warc/CC-MAIN-20220808213349-20220809003349-00187.warc.gz", "language_score": 0.9610798954963684, "token_count": 110, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__72388295", "lang": "en", "text": "We rely on client feedback to constantly improve our level of service and the way we do insurance. Understanding your situation, your circumstances and your financial position gives us the best possible standpoint to meet your expectations and needs.\nFounder and CEO, Anette Davis, has decades of experience in the insurance industry. She has worked to help several major insurers develop their products and services to be more client-centric, and take responsibility for each and every client. In 2014, she won the National Sanlam Businesswoman of the Year award in the commercial category.", "domain": "finance"}
{"url": "https://miguelremodeling.net/5-ways-new-windows-can-save-you-money/", "date": "2024-02-22T03:14:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473690.28/warc/CC-MAIN-20240222030017-20240222060017-00835.warc.gz", "language_score": 0.937103807926178, "token_count": 570, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__210442079", "lang": "en", "text": "When it comes to improving the energy efficiency of your home and saving money in the long run, one often overlooked solution is investing in new windows. Upgrading your windows not only enhances the aesthetics of your home but also offers several financial benefits. In this blog post, we’ll explore five ways in which new windows can save you money and make your home more comfortable.\n1. Increased Energy Efficiency\nOld, drafty windows are notorious for letting heat escape during the winter and cool air seep out in the summer. New, energy-efficient windows are designed to minimize heat transfer. They are often equipped with double or triple glazing, low-emissivity (low-E) coatings, and insulated frames, which help maintain a consistent indoor temperature. This means less reliance on heating and cooling systems, leading to lower energy bills.\n2. Reduced Energy Consumption\nAs your home becomes more energy-efficient with new windows, you’ll naturally reduce your energy consumption. This is not only environmentally friendly but also economically wise. With less energy required to heat or cool your home, you’ll see a noticeable decrease in your monthly utility bills.\n3. Enhanced Natural Lighting\nModern windows are designed to maximize the amount of natural light that enters your home. With improved natural lighting, you can rely less on artificial lighting during the day. This reduction in electricity usage can lead to additional savings on your energy bills.\n4. Improved Resale Value\nInvesting in new, energy-efficient windows is not just about saving money; it’s also a smart financial decision when considering your home’s resale value. Potential buyers are increasingly looking for energy-efficient features when purchasing a home. By upgrading your windows, you can increase your home’s attractiveness to potential buyers, potentially selling it at a higher price.\n5. Long-Term Durability\nNew windows are built to last, and many manufacturers offer extended warranties on their products. This means you won’t have to worry about the ongoing maintenance and repair costs associated with older, less efficient windows. New windows provide peace of mind and long-term financial savings.\nWhile the initial cost of new windows may seem significant, it’s important to view this investment as a way to save money over time. The energy efficiency, reduced energy consumption, enhanced natural lighting, increased resale value, and long-term durability all contribute to your financial well-being. In the end, new windows are not just a home improvement project; they are a long-term financial strategy that can make your home more comfortable and economical. So, if you’re looking for ways to save money while improving your home, consider upgrading to new, energy-efficient windows. Your future self and your wallet will thank you.", "domain": "finance"}
{"url": "http://shuttermebeautifuluk.co.uk/finance-options/", "date": "2021-08-04T00:04:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154486.47/warc/CC-MAIN-20210803222541-20210804012541-00118.warc.gz", "language_score": 0.9591218829154968, "token_count": 465, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__63449017", "lang": "en", "text": "What types of loan are available?\nDepending on your circumstances, you’ll be able to choose from a number of deals. You can look at an unsecured loan which isn’t secured against any assets. If that isn’t for you, then there’s an option for one that’s secured, and as such, will typically be tied to your property. Another option is to secure a loan with a guarantor, which would be a third party with better credit.\nHow do I apply?\nApplying is a straightforward and simple process – all you have to do is visit Ideal4Finance, put in your details and the type of loan you’re looking for, and the online calculator will work out the rest. The process should take no longer than 24 hours, and there’ll be a quick credit check, and should the application be successful, you’ll be good to go.\nHow much will I be paying?\nAs each financial package is tailored to each applicant, you’ll have to use the Ideal4Finance calculator to get the amount you’ll be looking at paying. Any final decisions will be based on your circumstances, including the amount you’re borrowing and the length of time for which you’d like to make the repayments. This is to ensure that the lending best suits your situation.\nWhat happens if my application is successful?\nIdeal4Finance will contact you regarding your application. You will be contacted either by phone, text, or email. You may also be contacted by the lender or lenders, should they need a little more information about your application.\nWhat information do I need before applying for finance?\nIf you are proceeding with the application, then have the name and address of your employer to hand, as well as details of any additional income you may be receiving, as well as standard information like your address, postcode, and banking details.\nAre my details safe?\nOur partners have helped many people and want to help you too, so there won’t be any unpleasant surprises. Ideal4Finance only use reputable lenders, and the credit checks that are carried out won’t be made visible to other lenders.", "domain": "finance"}
{"url": "http://howardcivileng.co.uk/about/key-contacts/gerard-howard/", "date": "2021-03-06T08:46:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178374616.70/warc/CC-MAIN-20210306070129-20210306100129-00612.warc.gz", "language_score": 0.9841875433921814, "token_count": 251, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__125127483", "lang": "en", "text": "Gerard is a qualified Chartered Accountant who in his role as Finance Director is responsible for the overall financial governance of both Howard Civil Engineering and Howard Plant Hire.\nAfter completing his formal secondary school education he achieved a BA (Hons) in Accounting and Finance from Leeds Business School in 1999, he started his professional career with CGU. But as part of his desire to further his personnel development he relocated to the capital city of London to start his CIMA qualifications with Credit Suisse First Boston subsidiary, Pershing Limited. Whilst working at Bank of America he qualified as a Chartered Accountant in 2004.\nIn 2005 having achieved his goals in London, he joined the family business to take control of all things financial. As the business developed he has implemented a fully centralised supply chain to improve site efficiency and establishes cost certainty for the company. More recently as turnover has continually increased, he has implemented a full accounts department and sector specific software package, which provides the companies management accounts. These control measures have facilitated the companies continued growth during his tenure.\nAway from work Gerard enjoys spending time with his wife Catherine, sons Conor and Joseph. To relax, he enjoys watching and participating in many sports including football, rugby and running.", "domain": "finance"}
{"url": "https://solutions.opentext.com/corpnews/", "date": "2022-10-06T23:22:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337889.44/warc/CC-MAIN-20221006222634-20221007012634-00241.warc.gz", "language_score": 0.9272169470787048, "token_count": 2954, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__116701431", "lang": "en", "text": "Announcement by Open Text Corporation (“OpenText“) of a firm intention to make an offer for the entire issued and to be issued share capital of Micro Focus International plc (“Micro Focus“) (the “Offer“).\nACCESS TO THIS AREA OF THE WEBSITE (“MICROSITE”) MAY BE RESTRICTED UNDER SECURITIES LAWS OR REGULATIONS IN CERTAIN JURISDICTIONS. THIS NOTICE REQUIRES YOU TO CONFIRM CERTAIN MATTERS (INCLUDING THAT YOU ARE NOT RESIDENT IN SUCH A JURISDICTION), BEFORE YOU MAY OBTAIN ACCESS TO THE INFORMATION ON THIS MICROSITE. THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSIBLE BY PERSONS RESIDENT IN ANY JURISDICTION WHERE TO DO SO WOULD CONSTITUTE A VIOLATION OF THE RELEVANT LAWS OR REGULATIONS OF THAT JURISDICTION OR WOULD RESULT IN A REQUIREMENT TO COMPLY WITH ANY CONSENT OR OTHER FORMALITY WHICH OPENTEXT REGARDS AS UNDULY ONEROUS (A “RESTRICTED JURISDICTION”).\nTHIS MICROSITE CONTAINS ANNOUNCEMENTS, DOCUMENTS AND INFORMATION (TOGETHER, THE “INFORMATION“) PUBLISHED BY OPENTEXT AND/OR MICRO FOCUS RELATING TO THE OFFER IN COMPLIANCE WITH THE CITY CODE ON TAKEOVERS AND MERGERS (THE “CODE“). THE INFORMATION IS BEING MADE AVAILABLE IN GOOD FAITH AND FOR INFORMATION PURPOSES ONLY, AND ITS AVAILABILITY IS SUBJECT TO THE TERMS AND CONDITIONS SET OUT BELOW.\nAccess to the Information\nIf you would like to view the Information contained in this Microsite, please read this notice carefully. 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If you are unable to agree, you should click “I DECLINE” and you will not be able to view information about the Offer.\nThe Information contained in this Microsite is not intended to, and does not constitute or form any part of an offer to sell or otherwise dispose of or an invitation or solicitation of any offer to purchase, subscribe for or otherwise acquire any securities, or the solicitation of a vote or approval pursuant to the Offer or otherwise in any jurisdiction in which such offer or solicitation is unlawful. The Offer will be made solely by means of an offer or scheme document which will contain the full terms and conditions of such Offer, including details on how it may be accepted. 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{"url": "https://www.informactionfilms.com/en/productions/the-price-we-pay.php", "date": "2023-03-26T08:54:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296945440.67/warc/CC-MAIN-20230326075911-20230326105911-00123.warc.gz", "language_score": 0.8911886811256409, "token_count": 3448, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__53683719", "lang": "en", "text": "Telefilm Canada and the Rogers Group of Funds under the Theatrical Documentary Program\nGouvernement du Qu?bec (Cr?dit d?imp?t cin?ma et t?l?vision - Gestion SODEC)\nCanadian Film or Video Production Tax Credit\nBRIGITTE ALEPIN, Harvard trained independent Canadian tax expert and policy advisor, parliamentary witness, and outspoken author of the best-selling Ces riches qui ne paient pas d’impôt (2004) and La Crise fiscale qui vient (2010). In this last book, she was one of the very first experts to warn of the dangers posed by 20th century tax regimes that are now out of date.\nANGUS CAMERON, political economist, University of Leicester, UK.\nNICOLAS COLIN, Inspector of finance with the French Inspection générale des finances, author of a 2013 pathbreaking study for the French government on the fiscal challenges posed to tax authorities by global Internet companies of the digital [“cloud”] economy, co-author of L’Âge de la multitude.\nALAIN DENEAULT, philosopher and teacher of political science at Université de Montréal, author of Canada: A New Tax Haven.\nSTUART FRASER, former deputy policy chairman at the City of London Corporation that played a key role in the creation of tax havens as offshore financial centers at the end of the Second World War as a “second Empire”. Fraser once described himself as the “U.K.’s most powerful financial lobbyist”.\nJAMES S. HENRY, lawyer, former chief economist at McKinsey & Co, Edward R. Murrow Fellow at Tufts University's Fletcher School of Law and Diplomacy, author of Blood Bankers and of widely cited 2012 study on the missing wealth of nations, The Price of Offshore Revisited, which estimates unreported private financial wealth held offshore was at least $21 trillion at end of 2010, a sum equivalent to combined size of US and Japanese economies.\nDANIEL LEBÈGUE, technical adviser to the French Prime Minister's Cabinet in charge of economic and financial affairs in 1981, Director of Treasury from 1984 to 1987; former Banque Nationale de Paris CEO and Vice Chairman, and today Chairman of the board of Transparency International France that opposes tax havens.\nRONEN PALAN, Professor of International Politics, City of London University, author of The Offshore World: Sovereign Markets, Virtual Places and Nomad Millionaires.\nTHOMAS PIKETTY, Paris School of Economics, winner of Le Monde’s prize for best young economist, the world's leading expert on income and wealth inequality, and high profile social commentator whose 2014 book, the 700 page Capitalism in the 21st century, is a publishing phenomenon that has rocketed to the top of Amazon’s book chart in the US and has established Piketty as one of today’s most influential economic thinkers on the subject of inequality.\nRICHARD RAHN, former director, Cayman Islands Monetary Authority, former chief economist of the U.S. Chamber of Commerce and Senior Fellow at the libertarian Cato Institute.\nTIM RIDLEY, lawyer, former chairman, Cayman Islands Monetary Authority, former senior partner with Maples and Calder, the island’s leading law firm, and board member of the Cayman Islands subsidiary of the $173 billion hedge fund GlobeOp Financial Services.\nSASKIA SASSEN, renowned sociologist, Columbia University and London School of Economics professor, prolific author of many books including The Global City: New York, London, Tokyo. She is credited with coining the term “global city”.\nNICHOLAS SHAXSON, journalist, author of Treasure Islands: Tax Havens and the Men Who Stole the World.\nFATHER WILLIAM TAYLOR, Anglo-Catholic vicar of St Thomas Church in Hackney, recently elected as the first ever Labour councillor to the Corporation of the City of London borough council.\nJOHN CHRISTENSEN, director of the Tax Justice Network, former economic advisor States of Jersey, a major European tax haven.\nKRISHEN MEHTA, Senior Global Justice Fellow, Yale University, former partner PricewaterhouseCoopers, the world’s second largest accounting firm.\nPASCAL SAINT-AMANS, head of tax policy at the OECD (Organization for Economic Co-operation and Development), the leading policy organization of the world’s 34 most advanced economies.\nDAVID MARCHANT, investigative journalist and editor of Offshore Alert.\nJACK BLUM, Washington attorney and chair of Tax Justice Network USA.\nJARON LANIER, Microsoft computer scientist, Virtual reality pioneer, composer of classical music and author of Who Owns the Future?\nWILLIAM BARCLAY, Chicago Political Economy Group, former senior vice-president, Chicago Stock Exchange, the third largest in the US.\nWALLACE TURBEVILLE, Senior Fellow, Demos, New York City, former vice-president Goldman Sachs.\nLORD ADAIR TURNER, Fellow, Institute of New Economic Thinking, former chairman (in 2008) of the United Kingdom Financial Services Authority.\nLINDA MCAULIFFE, graphic artist from Vancouver.\nSAM HOLLOWAY, Chicago firefighter.\n“RIVETING, LUCID, ESSENTIAL.”\nChristophe Alix, Libération\n“CONCISE, ENGROSSING AND OCCASIONALLY INFURIATING…”\nJoe Leyden, Variety\n“A SUPERB COMPANION PIECE TO… INSIDE JOB.”\nGeoff Olson, Vancouver Courier\n“ONE OF THE STRONGEST DOCS OF THE YEAR, ONE THAT’S BOTH TIMELY AND HIGHLY PROVOCATIVE.”\nJason Gorber, Twitchfilm\nMark Achbar, Director, Sundance winning The Corporation\n“PRAISE-WORTHY FOR MAKING SENSE OF THE ARCANE SUBJECT OF CORPORATE TAXES.”\nSteven Frank, Bloomberg\n“ESSENTIAL… WISE, CAPTIVATING (…) A TRUE CINEMATIC EXPERIENCE…. HAROLD CROOKS PROVES HIMSELF A GREAT CONTEMPORARY DOCUMENTARIAN, WITH THE LIKES OF ERROL MORRIS.”\nLuc Laporte-Rainville, Ciné-Bulles Magazine\nDanièle Heymann, Marianne\n“A STUNNING, NAIL-IT-TO-THE-WALL CANADIAN DOCUMENTARY WHERE BANKERS SPEAK UNINHIBITEDLY ABOUT TAX HAVENS AND TOP CELEBRITY ECONOMISTS LET IT ALL HANG OUT…”\nJean-Jacques Rue, Siné Mensuel\n“WITH CLARITY, PRECISION AND ADMIRABLE BREVITY, THE PRICE WE PAY PUTS ITS FINGER DEEP INTO THE WOUND...”\nSerge Kaganski, Les Inrockuptibles\n“DO NOT MISS UNDER ANY CIRCUMSTANCES.”\nMichel Abecat, Télérama\nA Nous Paris\n“THE MOST IMPORTANT FILM TO DATE ON THE COMPLEX YET CRITICAL ISSUE OF TAX IN AN ERA OF GLOBALISATION.”\nJohn Christensen, Director, Tax Justice Network\n“SMART, EYE-OPENING AND INCENDIARY… A VITAL EXPOSÉ OF THE FLAGRANT ETHICAL BANKRUPTCY ENDEMIC TO MODERN CAPITALISM, THE PRICE WE PAY IS A COMPELLING, COHERENT AND FORCEFUL CALL TO ACTION.”\nAgata Smoluch Del Sorbo, Programmer, Toronto International Film Festival\n“ONE OF THE MOST UNSETTLING FILMS I SAW ALL YEAR, AND ONE OF THE SMARTEST. ”\nSteve Gravestock, Programmer, Toronto International Film Festival\nONE OF THE MOST UNSETTLING FILMS I SAW ALL YEAR, AND ONE OF THE SMARTEST.\nSMART, EYE-OPENING AND INCENDIARY … A VITAL EXPOSÉ OF THE FLAGRANT ETHICAL BANKRUPTCY ENDEMIC TO MODERN CAPITALISM, THE PRICE WE PAY IS A COMPELLING, COHERENT, AND FORCEFUL CALL TO ACTION.\nToronto International Film Festival Toronto 2014\nVancouver International Film Festival 2014\nFestival du nouveau cin?ma Montr?al 2014\nTOP TEN, Toronto International Film Festival 2014\nCPH : DOX Copenhagen International Documentary Festival 2014\nVancouver Film Critics Circle Best Canadian Documentary, 2015\nBelleville Downtown DocFest 2015\nWakefield International Film Festival 2015\nPLANETE+ DOC FILM FESTIVAL Poland 2015\nSalt Spring Film Festival 2015\nVictoria Film Festival 2015\nThe Price We Pay, as with other documentaries I share credit on, is concerned with how powerful institutions impact ordinary lives. In the case of the TIFF-selected, Genie-winner The World Is Watching [producer-writer], our focus was foreign news coverage of the 80s Central American peace process; in Bhopal: The Search for Justice [producer-writer] the human impact of a chemical company’s criminal negligence; in the TIFF and Sundance-winner The Corporation [co-wrote narration with director Mark Achbar] the omnivorous corporation; and in critically-acclaimed Surviving Progress [co-director, writer] the ecological impact of Wall Street’s lending practices.\nWhen InformAction’s Nathalie Barton approached me about this project, I was hooked once I realized that taxation is a lens through which we understand power – who has it – who doesn’t – the rules we’re governed by – and whether most people have a hope in hell of getting ahead. Working again with Surviving Progress editor Louis-Martin Paradis and a team of virtuoso Québécois film-making talents, we sought to make an instructive essay-style film that is also a cinematic experience. Our story – told mostly by former insiders now free to speak frankly – is intended to show how the offshoring of the world’s wealth is putting at risk the fruits of 20th century social progress: the middle class and the welfare state.\nWestern leaders who are vowing to reverse alarming inequality trends fail to acknowledge the extent to which they lack the tools for meaningful action. Since the 80s, the nation state – once guarantor of middle class security – is being reshaped into a “competition” state – whose role is to compete against other states for private investment and jobs – the welfare state be damned.\nFurther eroding government’s redistributive function is a radical new digital economy. Google, Amazon, Apple and other Internet businesses with the largest computing power succeed by incorporating the “free” labour of hundreds of millions of unpaid users into their value creation chains, bankrupting small and medium-sized companies and driving people into a winner-takes-all informal economy, while shifting offshore their staggering profits.\nGaming the archaic tax system, these corporations along with other virtually state-less multinationals are forcing governments into a race to the fiscal bottom. As public treasuries become less and less able to fund the welfare state, income and wealth inequality is pushed to levels unseen for a century and more\".\nThe film illustrates how the tax haven system originally put in place by City of London bankers in former colonial dependencies as a replacement for the British Empire is today an unregulated “space of money”. Through this space beyond democratic control flows over half the world’s stock of money, multinationals’ profits and vast amounts of private wealth. But as we reveal, this “offshore” world is a legal and accounting fiction. The Caymans and other major tax havens could disappear under the sea without losing their rank as major financial centers. They are artifices that allow their corporate clients to be “citizens of nowhere”. The untaxed trillions of dollars booked here – the so-called “missing” wealth of nations – remains under the control of global finance and big business, which leverages its financial power to dismantle the progressive taxation and social security that once assured rising 20th century equality.\nSpurred on by a small band of tax justice campaigners on both sides of the Atlantic, US Congressional and UK parliamentary hearings have exposed massive corporate tax avoidance abuse, and propelled the OECD in 2013 to commit itself to reversing the flow of corporate profits “offshore” and the erosion of public finances. But what some see as a “game changer”, others fear is a charade.\nLike the villagers surrounded by Roman Legions in the Asterix The Gaul comic series, today every nation – no matter how large – is outflanked by multinational corporations. None can deal with corporate tax avoidance alone.\nAs best-selling French academic star Thomas Piketty explains in the film: Only tax cooperation between nations can prevent the disappearance of corporate income taxation in the coming decades.\nOther remedies advocated by our interviewees include: adapting tax rules to the novel ways Internet companies create wealth by exploiting their users; and financial transaction [Robin Hood] taxes on the trillions of dollars churning through global financial markets – in what former Wall Street and UK financial insiders we interview say is in large measure “socially useless” investment.\nFor audiences the take-away of The Price We Pay is this: in a world where corporate and financial wealth no longer has a fixed address, democracy can only be preserved by acting co-operatively beyond borders.\nThe Price We Pay is inspired by Brigitte Alepin’s book La Crise fiscale qui vient.\nThe web of tax havens originally created by City of London bankers in the 50s today puts over half the world’s stock of money beyond reach of public treasuries. Nation states are being reshaped by this offshoring of the world’s wealth into “competition” states that battle for investment and jobs. Shifting the tax burden from big corporations and the wealthy – citizens of nowhere for tax purposes – to the middle class and poor to do so, they are paving the way to historic levels of inequality. This story is told by crusading journalists, tax justice campaigners and former finance and technology industry insiders now free to speak frankly. They fear these accelerating trends are carrying the Western world to an unsustainable future.\nThe Price We Pay is inspired by Brigitte Alepin’s book La Crise fiscale qui vient.\nThe Price We Pay exposes how “offshore” finance and the tech giants of the “cloud” economy are eroding the foundations of the democratic state, including progressive taxation, a secure middle class, and social safety nets. In the 1950s, City of London bankers created a web of tax haven dependencies that today puts over half the world’s stock of money beyond the reach of public treasuries. Presently, nation states are being reshaped by this offshoring of the world’s wealth into “competition” states that battle each other for investment and jobs. Lowering corporate taxes to do so, they are caught in a perilous race to the bottom. The spreading de-taxation is paving the way to Depression era – or worse – levels of inequality. Meanwhile, the tax burden is shifted to the middle class and the poor. Our guides on this journey include crusading journalists, tax justice campaigners, and a remarkable cast of former major finance and technology industry insiders now free to speak frankly. They fear these accelerating trends are carrying the Western world to an unsustainable future.", "domain": "finance"}
{"url": "https://www.merlinvehiclerental.com/refund-policy/", "date": "2022-01-24T10:38:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304528.78/warc/CC-MAIN-20220124094120-20220124124120-00402.warc.gz", "language_score": 0.9162756204605103, "token_count": 259, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__169105600", "lang": "en", "text": "Cancellation & Refund Policy:\nWhen booking your vehicle, you are required to pay a £50 booking / holding deposit (which comes off the total cost of your hire), to ensure that the vehicle will be available for you on the date(s) requested. In the event of a cancellation, this holding deposit is non-refundable. If you have pre-paid the full amount prior to the commencement of your hire, we will refund that amount, less the £50 booking deposit.\nShould you need to change the date or time of your booking, we require a minimum of 24 hours’ notice prior to the commencement of the hire to move your booking to a different date / time (subject to availability). In this case, your £50 holding deposit will be transferred to your new date. Amendments to bookings made less than 24 hours prior to the commencement of the hire may incur the loss of your holding deposit (this decision is made at the discretion of the management).\nIf you fail to collect your vehicle on the specified collection date, any payments made are non-refundable.\nIn the event of early return any pre-paid rental charges will not be refunded.", "domain": "finance"}
{"url": "https://tinyhousesociety.com/the-evolution-of-tiny-home-prices-a-deep-dive-into-the-average-cost-of-tiny-homes-in-2023/", "date": "2023-12-06T07:35:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100583.31/warc/CC-MAIN-20231206063543-20231206093543-00601.warc.gz", "language_score": 0.9477161765098572, "token_count": 858, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__314420066", "lang": "en", "text": "In recent years, the Tiny Home movement has gained immense popularity as people seek a simpler, more sustainable way of living. With the increasing appeal of downsizing and minimizing one’s carbon footprint, Tiny Homes have become a symbol of minimalistic living. As we step into 2023, let’s take a comprehensive look at the average cost of a Tiny Home and explore how this figure has evolved over the years.\nUnderstanding the Tiny Home Phenomenon\nTiny Homes, typically ranging from 100 to 400 square feet, offer an affordable and eco-friendly alternative to traditional housing. They are designed to maximize functionality and minimize space, often incorporating innovative storage solutions and multi-purpose furniture. Beyond the financial benefits, Tiny Homes promote a sense of freedom, encouraging homeowners to focus on experiences rather than possessions.\nThe Average Cost in 2023: A Detailed Breakdown\nIn 2023, the average cost of a Tiny Home in the United States hovers around $70,000 to $100,000. However, it’s crucial to note that this figure can vary significantly based on several factors, including location, size, design, materials used, and amenities included.\nUrban areas tend to have higher costs due to limited space and increased demand. On the other hand, rural areas offer more affordable options, with land prices often significantly lower. Coastal regions or areas with scenic views might also come at a premium.\n2. Size and Design:\nThe size and design intricacies play a vital role in determining the cost of a Tiny Home. Custom-built Tiny Homes with intricate designs and high-end finishes will naturally be more expensive than simpler, prefabricated models. Larger Tiny Homes, although still considerably smaller than traditional houses, tend to cost more due to increased material and labor requirements.\n3. Materials and Sustainability:\nTiny Homes constructed with sustainable materials, such as reclaimed wood, energy-efficient appliances, and eco-friendly insulation, often come at a higher price. However, the initial investment pays off in the long run through reduced utility bills and environmental conservation.\n4. Amenities and Off-Grid Capabilities:\nSome Tiny Homes are equipped with off-grid capabilities, including solar panels, composting toilets, and rainwater harvesting systems. These features add to the overall cost but offer homeowners the freedom to live independently and sustainably.\n5. Labor and Construction Costs:\nLabor and construction costs vary across regions and can significantly impact the final price. Areas with a higher cost of living generally have more expensive labor, driving up the overall construction expenses.\nHow Prices Have Changed Over the Years\nOver the past decade, the average cost of Tiny Homes has experienced a gradual increase. In the early 2010s, when the Tiny Home movement was in its infancy, prices were relatively high due to the novelty of the concept and the limited number of builders in the market. As the movement gained momentum and more builders entered the industry, economies of scale began to take effect, leading to a gradual decrease in prices.\nHowever, in recent years, the cost curve has started to plateau. This stabilization can be attributed to several factors, including fluctuations in material prices, increased demand for skilled labor, and advancements in Tiny Home technology. Additionally, the growing popularity of Tiny Homes has led to a diversification of the market, offering a wide range of options catering to different budgets and preferences.\nConclusion: Tiny Homes in 2023 and Beyond\nIn 2023, the Tiny Home movement continues to thrive, offering individuals and families an alternative path to homeownership. While the average cost of a Tiny Home has seen fluctuations over the years, it remains a viable and cost-effective housing solution for many. As the world embraces sustainable living and minimalist lifestyles, the Tiny Home industry is poised for further growth, with innovations in design, construction techniques, and sustainable practices paving the way for a more affordable and eco-conscious future.\nWhether you’re a minimalist enthusiast, an eco-conscious individual, or simply someone looking to simplify their life, the Tiny Home movement in 2023 offers a diverse range of options to suit every budget, making the dream of owning a Home a reality for more people than ever before.", "domain": "finance"}
{"url": "https://www.invoicex.com.au/invoicex/invoicex-endorses-federal-budget-support-for-small-business-but-flags-the-need-to-solve-the-cashflow-dilemma", "date": "2019-09-16T12:29:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514572556.54/warc/CC-MAIN-20190916120037-20190916142037-00145.warc.gz", "language_score": 0.9672526121139526, "token_count": 566, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__15323579", "lang": "en", "text": "InvoiceX (IX), Australia’s first provider of confidential marketplace invoice financing has today commended the government for a number of encouraging changes to help small businesses in the recent budget, however proactive action to address the cashflow dilemma was sadly missing. Getting customers to pay on time is a struggle for many small companies—one that can disrupt a company’s cash flow and even stunt its growth. IX is part of a new generation of peer-to-peer alternative finance firms offering small-medium sized businesses a sensible option to fund growth. The company is on track to process over $20m worth of invoices this year.\n“Incentivising business owners to invest is very welcome but financing this is a major challenge. If you have no further real estate to offer a lender as collateral, like most owners of smaller businesses, how can you finance your growth? This applies especially to the build-up of working capital that is involved in growing, a critical hurdle when dealing with larger customers who take longer to pay,” said Steve Yannarakis, co-founder of IX.\nAccording to Dun & Bradstreet, customers take an average of over 50 days to pay their bills in Australia. A typical business with revenues of $5m often has unpaid bills due from customers of over $750,000. To double in size, it would need to finance over $1.5m of unpaid bills. To make matters worse, business owners have to pay their tax in advance of collecting any profit earned.\nThe banking system is not increasing its cashflow lending to small businesses. According to the RBA, it has been flat-lining at $200bn since the GFC – that’s about $100,000 per business on average. Over the same period, mortgages, which represent over 95% of lending, have grown by over $400bn. Most small business owners are forced to use their credit card to bridge cashflow problems at crippling interest rates.\n“What would have been helpful to small businesses are initiatives similar to those introduced recently by the UK government, where small businesses that have been rejected for loans must be referred to a panel of alternative finance providers. In addition, the British Business Bank was given £100m ($200m) to support alternative providers,” said Dermot Crean, co-founder of IX.\nUsing advanced computing power and a low cost structure, IX is bridging the financing gap and narrowing the spread on finance. The IX platform enables Australian businesses to raise short-term working capital by selling outstanding invoices direct to investors.\n[bctt tweet =\"InvoiceX Endorses Federal Budget Support For Small Business But Flags The Need To Solve The Cashflow Dilemma\"]", "domain": "finance"}
{"url": "https://my-pet-insurance-plans.business.site/posts/5347532190989107736?hl=en", "date": "2019-08-23T19:33:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027318986.84/warc/CC-MAIN-20190823192831-20190823214831-00270.warc.gz", "language_score": 0.929968535900116, "token_count": 227, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__42453479", "lang": "en", "text": "My Pet Insurance Plans\nIf you don’t currently have pet insurance, you’re not alone. While around 68% of U.S. households own pets, only 1% of those pets are insured, according to the North American Pet Health Insurance Association (NAPHIA).\nBut given the price of vet care, it’s worth looking into. Petfinder estimates the annual cost of routine vet visits is $45-$200 for dogs and $50-$400 for cats depending on your pet’s age. Emergency vet visits can cost up to $2,000, and sometimes more, for dogs or cats.\nAnd as someone who’s found herself at the animal hospital at 3 a.m., I can attest that when your beloved furbaby is pawing at you in distress and you don’t know what’s wrong, you’re willing to shell out pretty much anything to make her better again.\nThat’s why we’ve put together this breakdown to help you decide: Is pet insurance worth it for you and your pets?", "domain": "finance"}
{"url": "http://www.thedaddynamic.com/things-ill-teach-my-kids/8-things-to-teach-your-kids-about-money/", "date": "2019-07-15T21:53:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195524254.28/warc/CC-MAIN-20190715215144-20190716000513-00038.warc.gz", "language_score": 0.9638811349868774, "token_count": 1684, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__48028556", "lang": "en", "text": "Do what you love\nIt might seem weird to start a post about money with an adage about work, but work relates directly to your earning and spending habits. The old saying is do what you love, but I would alter that slightly to this: Use your talents to do something the world needs. Then you’re using your skills, what you’re uniquely good at, to do work that means something. This is how you find satisfaction in your work.\nSo how does this relate to money?\nIt doesn’t mean that you’ll have the biggest possible income. It means that you’ll enjoy working. Most people work a third of their lives. If you’re miserable during those long decades, you’ll spend money on things to make you feel better.\n“I hate my job, but driving to work in this car makes me feel better about it.”\n“I need to get away from work, so I go on a couple big vacations every year.”\n“Work sucks, so I buy lunch out every day to escape.”\nYou get the idea. Enjoying your work will help you enjoy your life, and there will be less need to spend money on escaping from the daily grind.\nLive below your means\nWhen people get their first real job, they immediately think “what can I afford?” And by that, they mean “what monthly payment can I afford?” So if they make $35,000 a year, they buy a car that costs $20,000 because they can afford the monthly payment.\nThis kind of thinking traps you into making years of payments (with interest) – money that could have been better spent in other ways. So instead, you might consider finding a reliable used vehicle, carpooling, or working somewhere with great public transportation. Even if you’re making much more money than this, consider renting a place with roommates or purchasing a very modest property that you can pay off quickly.\nThe bottom line is freedom. Do you want to start that business you’ve always dreamed of? Quit your stressful job and work for a non-profit that means something to you? Spend a year travelling to 50 different countries? Well, with that small condo you paid off early, you’ve always got a place to live. Rent it out for the year and make sure you take great photos on your world tour.\nFor our kids, the initial lesson is delayed gratification. Research shows that kids that learn delayed gratification are more likely to be happy and successful. But research aside, if they learn to save for something they really want, they’ll value it more. They’ll also weigh their options and think about whether or not they really need that item.\nLearn to invest\nThe important word being Learn. Whether that means books, classes or talking to successful investors, make sure you put the time into learning how to invest. A rental property or stock portfolio can be a great idea, as long as the decisions are made soundly.\nIt’s always a good idea to have more than one income stream; investments can become a second stream over time. The earlier you begin, the more time and freedom you’ll have later. This works well in conjunction with “live below your means” – place some of that money you’re saving into investments.\nAs parents, we can get our kids into the habit of investing as they’re growing up. On her fifteenth birthday, my daughter will be getting a small deposit into a stock trading account that she’ll have to manage. Will it make her money? Maybe. But either way, what it will do is get her engaged in the process and cause her to do some research on this whole investing thing, which is the point.\nBorrow rarely and pay off debt quickly\nSometimes borrowing money is necessary, but the only times it really makes sense is if you’re borrowing for investments. Education for example; this is one of the best investments you can make as you’re investing in yourself, and it’s something that can never be taken from you. You should see a return on that investment in more ways than just financial (e.g. maturity, character, enlightenment etc.).\nA home can also be an investment. If you buy that small place and pay it off quickly, you can rent it out for a second income stream. But a home is not always an investment; I know plenty of people that bought at a market top and are currently under water with their loan (owing more than the property is worth). In some cases, renting as inexpensively as possible while using your extra income for investments makes more sense. This rent vs. buy calculator is a place to start.\nBuild credit early\nPart of being able to borrow when you need to is having good credit. As parents, we can help our kids build credit by co-signing on a credit card with them (make sure it has a low spending limit). We can then teach our kids to use and pay for it responsibly.\nThis means teaching them not to place on credit what they don’t already have in their bank account. I use a credit card for everything because it’s convenient and gives me a good deal of money via rewards. But each month, I pay the entire balance of the card. This means that I never pay interest or fees. This is a good habit to get the kids into.\nIt seems counterintuitive, giving things away when you’re trying to increase your wealth; but whether you call it God, karma or positive thinking, the universe has a way of increasing your wealth when you’re willing to be generous.\nPlus, building wealth for your own consumption doesn’t exactly feed your soul. Wealth is better shared with others. Even if you don’t have money to give, you can donate time, expertise, clothing etc. These are great habits and a good example to share with your kids.\nDon’t cheat yourself\nWhile you’re thinking about giving to others, make sure to also take care of yourself. I’ve heard a lot of money gurus talking about “the latte factor” – saving that $4 a day you spend on a latte. But if that latte is a little something that makes you really happy, then don’t deprive yourself. I think that one of the most horrible practices that humanity engages in is waiting until retirement to enjoy life. Enjoy your life right now, and especially enjoy the little things, whether that’s a latte, a walk in the park or making your kiddo smile. Just realize that you don’t need a new car and a dream home before you can be happy.\nUnderstand the meaning of wealth\nGetting a handle on money, saving, investing and spending are important; but having all the money in the world is meaningless if your priorities are off. Money is a means to an end; it’s about provision for loved ones, security and freedom. But working hard just to buy the next thing or “keep up with the Joneses” is pointless and will ultimately make you feel pretty empty.\nBillionaire Warren Buffet, who is always named in the top three richest people in the world, says this:\nI know people who have a lot of money, and they get testimonial dinners and hospital wings named after them. But the truth is that nobody in the world loves them. When you get to my age, you’ll measure your success in life by how many of the people you want to have love you, actually do love you. That’s the ultimate test of how you’ve lived your life.\nDo your kids love you? Are you daily building that relationship with them? Because in the end, it’s not something you can buy.\nMake sure you teach them this most important lesson about money – by showing them every day that they’re worth your time.", "domain": "finance"}
{"url": "https://www.ecovblue.com/indian-commercial-vehicles-shows-recovery/", "date": "2020-11-24T20:12:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141177566.10/warc/CC-MAIN-20201124195123-20201124225123-00112.warc.gz", "language_score": 0.9560258388519287, "token_count": 922, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__116627308", "lang": "en", "text": "After reasonably tough Q1 (April-June 2017) when overall sales at 151,837 units were down 9.08 percent YoY, the commercial vehicle (CV) sector has recorded a sharp recovery in July driven by an uptick in the critical medium and heavy commercial vehicle (M&HCV) segment. After the steep declines in April (-22.93%) and May (-14.40%), CV manufacturers saw green shoots of recovery and entered growth lane (+1.44%).\nFor July, which opened the era of GST, all major CV manufacturers have registered higher growth across both the M&HCV and LCV segments. Market leader Tata Motors, which has seen a correction in its sales over the past three months, has returned to growth territory with overall sales up by 15 percent in July. Similarly, Ashok Leyland, the second largest CV player, which also saw sales fall in the first two months of FY2018, posted double-digit growth in July.\nFor industry, the strong comeback in the M&HCV segment signals the return of demand on the back of improving economic indicators, benefits of GST to the transportation sector due to vanishing check-points, and increasing freight and logistics efficiencies. These factors are also motivators for fleet operators to start looking at expanding their fleets.\nAccording to Subrata Ray, senior group vice-president of ratings agency ICRA, “Despite a weak performance in the first quarter, the industry will find its momentum back aided by increased thrust on infrastructure and rural sectors in the recent Budget, potential implementation of fleet modernization or scrappage program and higher demand from consumption-driven sectors, especially for LCVs and intermediate commercial vehicles (ICVs). Given these considerations, the domestic CV industry is likely to register a growth of 6-8 percent in FY2018.”\nHow the OEMs fared in July\nOn the monthly sales front, Tata Motors’ overall CV sales rose 15 percent in July at 27,842 units (July 2016: 24,242) backed by the ramp-up of BS IV production, across segments.\nWhile demand for its M&HCVs was up 10 percent in July 2017 at 8,640 units (July 2016: 7,879), the I&LCV truck segment grew by 28 percent at 3,354 units (July 2016: 2,626 units) on the back of a good market response to the new Ultra range and the new BS IV range in other products.\nAccording to the company, “The M&HCV segment saw a rebound in July 2017 and witnessed a pick-up in demand and availability because of continued production ramp up. New models launched in the fastest growing segments of 49-ton and 37-ton categories have also gained strong traction in the market.”\nTata Motors’ passenger carrier sales (including buses) though saw a 15 percent decline to 4,472 units (July 2016: 5,233) largely due to supply constraints in the bus segment. The SCV cargo and pickup segment continued the growth momentum with sales of 11,376 units, up by 34 percent (July 2016: 8,504) due to good market demand for the Ace XL, Mega XL, Zip XL, and the new Tata Yodha.\nAshok Leyland registered double-digit growth, growing by 14 percent with sales of 11,981 units (July 2016: 10,492.) M&HCV sales rose 10 percent to 9,026 units (July 2016: 8,182) while LCVs posted strong 28 percent YoY growth at 2,955 units sold (July 2016: 2,310).\nMahindra & Mahindra’s total CV numbers were up by 14 percent to 15,023 units (July 2016: 13,186). Its M&HCV sales turned positive, growing 72 percent to 657 units albeit on a low year-ago base (July 2016: 382). The below-3.5T GVW segment grew 13 percent YoY, selling 13,761 units (July 2016: 12,230), while those in the above-3.5T GVW segment turned positive by growing 9 percent with sales of 605 units (July 2016: 556).\nVE Commercial Vehicles’ domestic sales were up marginally by 1.4 percent with total sales of 3,714 units (July 2016: 3,664 units). The company will be looking to drive numbers with growing demand for its recently launched Pro 5000 Series of trucks.", "domain": "finance"}
{"url": "http://www.gilberthomecomfort.com/geothermal-new-construction/", "date": "2017-06-27T07:01:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128321025.86/warc/CC-MAIN-20170627064714-20170627084714-00128.warc.gz", "language_score": 0.9171396493911743, "token_count": 214, "dump": "CC-MAIN-2017-26", "global_id": "webtext-fineweb__CC-MAIN-2017-26__0__217264054", "lang": "en", "text": "Southern Iowa residents looking to build a new home will find WaterFurnace geothermal heat pumps to be their best heating and cooling option. Especially with the planning assistance, installation, and service that we at Gilbert Home Comfort Inc. offer.\nFirst of all, you should consider that WaterFurnace geothermal systems have demonstrated themselves to be the most efficient, energy-saving, environmentally friendly heating and cooling choice around.\nThen, think on this: The addition to your monthly payment is usually lower than the monthly savings you’ll experience by installing a geothermal system in new construction. And you can easily roll the initial outlay in your monthly mortgage payment. Better yet, as mortgage costs increase, they’re typically balanced by the decreased operating costs of a geothermal system. What does this mean? You’ve got a net positive cash flow!\nFor more information on why geothermal is the best choice for Southern Iowa residents building new homes, contact Gilbert Home Comfort Inc.. And be sure to check out our Geothermal Savings Calculator.", "domain": "finance"}
{"url": "https://floridalifeinsurance.company/", "date": "2021-06-17T21:01:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487633444.37/warc/CC-MAIN-20210617192319-20210617222319-00303.warc.gz", "language_score": 0.9683699607849121, "token_count": 381, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__73694337", "lang": "en", "text": "Why use our agency?\nCharles Stilwell is a CLU® with more than 30 years’ experience in financial services, the last 20 of which were here in Florida. As a result, Chuck knows the insurance needs of Florida residents.\nHe represents the largest “A” rated insurance companies in the nation including Prudential, Transamerica, John Hancock, Allianz, Mutual of Omaha, and many others.\nChuck holds the Chartered Life Underwriter® designation, the world’s most respected designation of insurance expertise. A CLU® can provide expert advice on a broad range of financial topics, including life and health insurance, financial and estate planning, and business-succession planning. Chuck also holds bachelors and masters degrees.\nChuck is also the principal of Insurance For Agribusiness, LLC, which specializes in crop insurance and farm and ranch insurance. (InsuranceForAgribusiness.com)\nJan 4, 2016 by Erika Houshmand\nChuck Stilwell was referred to me by a mutual friend when I was in the market for long-term care insurance. While I spoke to several different agents from different companies, it was Chuck who really took the time to educate me on the many, many options available and the pros and cons of each plan. He spent a lot of time asking questions and listening in order to understand my needs. He then researched all the different companies and plans that would best suit me and presented the information to me in terms I could understand so that I could, truly, make an educated decision. He also got the me best value for my money. I am grateful to Chuck and know that my long-term needs will be sufficiently met thanks to his efforts, knowledge of the industry, and service to me as a client. I highly recommend Chuck; he is excellent.", "domain": "finance"}
{"url": "https://fortkentanimalhospital.com/new-patient-center/payment-options.html?page=home", "date": "2018-07-18T06:35:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590069.15/warc/CC-MAIN-20180718060927-20180718080927-00426.warc.gz", "language_score": 0.9177114963531494, "token_count": 543, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__127904401", "lang": "en", "text": "- We strive to provide complete care for our patients. Learn more about all the services we provide.\nYou are using an outdated browser. Please upgrade your browser to improve your experience.\nWe accept debit cards, credit cards (Visa, Mastercard, Discover, American Express) checks and cash. Cash is accepted in US funds only. There are several banks and credit unions conveniently located in the Fort Kent area where funds may be exchanged prior to your appointment. All cards must be signed and presented by the owner of the card.\nWellness plans are offered to allow you to spread the cost of your pet's annual care evenly throughout the year. These plans may be prepaid directly at our office or you can contact Partners In Wellness to arrange for convenient automatic monthly payments to your credit card account.\nInsurance For Your Pets\nFor services not covered by wellness plans, we highly recommend pet insurance to help you in times of need.\nVeterinary Pet Insurance (VPI) is one of the oldest and most reliable pet insurance companies in the United States. See www.PetInsurance.com for available policies and applications. For our Canadian clients, Trupanion offers coverage on both sides of the border. See www.Trupanion.com for details.\nMore companies are offering pet insurance every year. Comprehensive policies may cover everything including routine check-ups and vaccinations, which means you may not even need a wellness plan! Less expensive policies are available to cover major expenses due to injury or illness. This coverage can be life-saving in the face of an expensive fracture repair if your pet is struck by a car, or to cover a hospitalization if your pet eats a toxic substance or a toy that must be surgically removed.\nPlease be aware that in some cases, you pay for your pet's care upfront and present receipts to the insurance company to receive reimbursement. Our office can often work with you and the insurance company to assure proper payment to us or reimbursement to you.\nWhen expenses arise without insurance, we recommend applying for a payment plan through Care Credit. See www.CareCredit.com or fill out an application at our office for instant approval. Once approved, you may use Care Credit a single time or continuing use for all of your pet's medical needs. Care Credit is accepted by many veterinary hospitals across the country in case you travel or relocate.\nHighlights of the Care Credit program:\nWe encourage clients without other forms of credit to apply for a Care Credit account prior to occurrence of any accident or illness. This way you will have peace of mind and one less thing to worry about in a time of stress should your pet become ill or injured.", "domain": "finance"}
{"url": "https://days365play.com/sports1/ipl-franchise-owner", "date": "2022-12-01T17:51:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710829.5/warc/CC-MAIN-20221201153700-20221201183700-00657.warc.gz", "language_score": 0.9663740992546082, "token_count": 496, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__4962986", "lang": "en", "text": "Reliance, RPSG, Sun TV, CSK, Royals Sports Group and JSW Sports, owners of six Indian Premier League franchises, have already emerged as successful bidders for the T20 competition in South Africa. In a press release, Cricket South Africa announced that the IPL franchise owners in Mumbai, Lucknow, Hyderabad, Chennai, Rajasthan and Delhi now have South Africa T20 teams from Cape Town, Durban, Gqeberha (formerly known as Port Elizabeth), Johannesburg. Paarl and Pretoria.\nAn open bidding process managed by Deloitte Corporate Finance attracted more than 29 bidders to purchase the franchise. More than 10 locations were made available to those interested in the franchise, six of which were ultimately shortlisted.\nThe first reports have emerged of IPL owners looking to invest in a new league in South Africa. The confirmation of the same propels the game of cricket into a new era with a strong ownership footprint in India. The UAE T20 league already has five of its six franchise owners in India, three of which have IPL teams. The owners of Kolkata Knight Riders, Punjab Kings and Rajasthan Royals have already invested in the Caribbean Premier League.\nFormer South African captain and CSA boss Graeme Smith, who will take over as commissioner of the new league, expressed his excitement about the new start.\n“This is truly an exciting time for South African cricket; the overwhelming interest shows that the country remains valued in the global cricketing eco-system,” he said.\n“The strong sports background of the respective owners and the global brands they manage ensures that South African cricket and the broader industry will benefit from their expertise and resources, as they bring stability and experience to the League.”\nReliance Industries Limited is a well-known company in the sports environment and has already acquired a franchise in the UAE T20 League, its third T20 franchise in three countries.\n\"We are thrilled to bring Mumbai's fearless and fun cricket market to South Africa, a country that loves cricket as much as we do in India,\" said Reliance Industries CEO Nita Ambani. said in a recent press release.\n\"South Africa has a strong ecosystem of the game and we look forward to exploring the strength and potential of this partnership. As MI's global cricket footprint grows, we will remain committed to spreading joy and excitement through sport!\"", "domain": "finance"}
{"url": "https://dxerhamnews.wordpress.com/tag/ifttt/", "date": "2022-08-09T14:33:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570977.50/warc/CC-MAIN-20220809124724-20220809154724-00744.warc.gz", "language_score": 0.9607298970222473, "token_count": 358, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__195470952", "lang": "en", "text": "If you’re a regular on the SWLing Post, you’ll certainly know our contributor, Robert Gulley.\nRobert is a wonderful friend and one of the biggest ambassadors for radio I know. Robert has mentored a countless number of ham radio operators and radio listeners–his enthusiasm is infectious.\nThis time, Robert could really use our help.\nHis wife Jennifer has Secondary Progressive Multiple Sclerosis (MS)–a disease that has progressed to the point she needs 24/7 care. Finances are tight, so when a home equity loan taken out over 15 years ago recently ballooned, Robert and Jennifer have struggled to make these payments and stay afloat.\nThey’ve explored refinancing and even selling their home, but the numbers simply don’t work in their favor.\nI, along with a number of Robert’s close friends, have encouraged him to start a GoFundMe campaign to try to raise some funds to pay down the home equity loan.\nRobert isn’t the sort of guy that ever asks for help, indeed he’s always the one giving help. This is why I’m asking you to consider supporting his GoFundMe campaign if you have the means to do so. You can read more about his situation on the GoFundMe page.\nAny amount will help as it will be dropped on the principle of their loan and thus shorten the term or even make a refinance possible.\nGoFundMe is a reputable organization to raise funds and they don’t take a large cut like some other platforms do, but if you would rather support Robert outside of GoFundMe (directly, by check for example) feel free to contact him.", "domain": "finance"}
{"url": "https://arieframadhan88.wordpress.com/author/arieframadhan911278041/", "date": "2018-02-25T07:17:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891816178.71/warc/CC-MAIN-20180225070925-20180225090925-00153.warc.gz", "language_score": 0.9571699500083923, "token_count": 1252, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__94665201", "lang": "en", "text": "Giving Car Costs An Overhaul – For many consumers, the costs associated with owning and operating a car continue to rise. Fuel prices, insurance rates and car maintenance expenses have all gone up in recent years. Thankfully, you don’t have to alter your driving habits or buy a new car to get some relief. Here are some quick, inexpensive, easy ways to save money:\nMind the air to save money on fuel–The U.S. Energy Department reports that underinflated tires can increase fuel consumption by up to 3 percent. One study estimates that 50 to 80 percent of the tires rolling on U.S. roads are underinflated. Astonishingly, Americans could save up to two billion gallons of gas each year simply by properly inflating their tires.\nSecondly, a clogged air filter can increase fuel consumption by as much as 10 percent. Air filters keep impurities from damaging the interior of the engine, so replacing dirty filters will save gas and protect your engine. More tips to save money on fuel are available at http://www.fueleconomy. gov.\nGet slick to reduce maintenance costs–There are high-performance motor oils that can make meaningful improvements to a car’s fuel economy and engine life. For instance, numerous independent studies have found that Royal Purple motor oil can improve fuel economy by 5 percent or more. Find out more at their Web site, http://www.royalpurple.com.\nUsing a high-performance synthetic motor oil, as opposed to conventional oil, also allows for more miles between oil changes. This reduces maintenance costs and the amount of time spent on maintenance. You’ll pay a little more for premium motor oil, but the savings in fuel and reduced maintenance costs more than make up for the higher price.\nMK Kashiyama Merek Spare Part Mobil untuk Rem Cakram, Rem Tromol dan Kampas Rem Berkualitas Terbaik di Indonesia. Reduce your insurance costs by doing your homework–One of the simplest ways to reduce insurance costs is to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. The state insurance regulator may also provide price comparisons. Other ways to reduce insurance costs can be found by visiting the U.S. Insurance Information Institute’s Web site at http://www.pueblo.gsa.gov/cic_text/cars/autoinsu/autoinsu.htm.\nAn astute consumer can save hundreds of dollars a year on automotive expenses without buying a new car or changing lifestyle. All it takes is a little time, research and the choice of better-performing products.\nThere are a number of ways to reduce the costs associated with owning a car.\nEducate Yourself To Amazing Car Finance – When it comes to making a car purchase, paying for it is a big part of the battle. Even mid level new cars run into the $20,000 range. Because of these prices, few people pay cash for cars anymore and statistically about 7 out of every 10 people use car finance to pay for their new vehicle. In order to get the best car finance possible, you need to understand how the whole process work.\nFirst, you want to figure out where you are going to get your car finance. There are a number of institutions that can get you financing. Banks, credit unions, the dealership, or even auto manufacturers can provide financing for your new or used vehicle.\nSecond, with a car finance, you need to realize that whether you buy a new or used vehicle will affect your financing. As a general rule, interest rates will be lower on new cars than on used ones. Also, new cars can often qualify for financing over a longer period of time than can used cars.\nNext, when it comes to our car finance, donít believe everything you see or read. Commercials for special financing for those who are first time buyer or have bad credit abound in papers and on the television. These are usually a little too good to come true and come attached with requirements such as extra high down payments and extremely high interest rates. In some cases, both apply to the loan.\nBefore you go to get your loan, make sure you know about your own credit history. Get a copy of your credit report and go over it with a fine toothed comb. Look at the score as well as the payment histories on it. If anything at all looks incorrect, make sure you get it cleared up. When a lender looks at how much money to give you, they will check out your debt ratios, how long you have been at your job, your history with similar loans, and your credit report as a whole.\nOnce you are armed and ready to consider your car finance, shop around. It is usually a good idea to look for the financing before you buy the car. You will better know what you qualify for that way. Also, you can use your information to bargain further with the dealer. In order for them to finance your car, you should ask them to beat the rate you have from wherever else you have looked.\nRemember that everything is negotiable. Just because the car finance rate you got is pretty good, it doesnít mean that you have to pay what they ask. Negotiate the rate of your loan, the price of the car, or anything else you can talk to them about. It canít hurt and you could save yourself a lot of money that way. As the process goes on, donít get caught up in the numbers. The dealers will try to give you monthly payment numbers only so that you donít notice any added charges. However, sit down with a calculator and just figure out the payments yourself and you will have nothing to worry about.\nAlways know that car financing may seem complicated, but it doesnít have to be. Educate yourself, shop around, and make sure you know what is going on and you should have no problem. Better yet, you will find yourself with a great new or pre-owned automobile.", "domain": "finance"}
{"url": "http://ecocarib.com/sunny-savings-how-solar-pv-reduces-your-energy-bills-in-the-caribbean/", "date": "2024-04-15T00:02:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816904.18/warc/CC-MAIN-20240414223349-20240415013349-00741.warc.gz", "language_score": 0.8902001976966858, "token_count": 767, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__101110656", "lang": "en", "text": "How Solar PV Reduces Your Energy Bills in the Caribbean\nIn the picturesque landscapes of the Caribbean, where the sun’s embrace is a daily gift, there’s a powerful opportunity to transform how you power your home. Solar photovoltaic (PV) systems are leading the charge towards cleaner, more sustainable energy solutions. Beyond their positive impact on the environment, solar PV systems offer a substantial financial advantage by significantly reducing your energy bills. In this article, we’ll explore how harnessing the Caribbean sun through solar PV can lead to sunny savings that brighten your financial outlook.\nUnderstanding the Solar Savings Equation At its core, solar energy is about capturing the sun’s energy and converting it into electricity to power your home. Here’s how solar PV works to usher in savings:\n- Energy Generation: Solar panels absorb sunlight and generate direct current (DC) electricity.\n- Inverter Conversion: Inverters then convert the DC electricity into alternating current (AC), which is the form of electricity used in homes.\n- Powering Your Home: The AC electricity produced by the solar panels powers your appliances and electronics, offsetting the need to draw power from the grid.\n- Net Metering: Excess electricity generated during sunny days is often fed back into the grid, earning you credits that can be used when your solar panels produce less energy (such as during the night).\nSavings That Shine: The Financial Benefits of Solar PV in the Caribbean\n- Reduced Energy Bills: By generating your own electricity, you decrease your reliance on utility companies, leading to substantial reductions in your monthly energy bills.\n- Energy Independence: Solar PV systems allow you to take control of your energy production, shielding you from fluctuating energy prices.\n- Return on Investment (ROI): While upfront installation costs exist, the long-term savings from reduced energy bills often result in a positive ROI, meaning your system pays for itself over time.\n- Net Metering Rewards: Through net metering programs, you can earn credits for excess energy produced, potentially even receiving payments from utility companies.\n- Decreased Carbon Footprint: Solar energy not only saves you money but also aligns with a greener lifestyle, contributing to a healthier environment for future generations.\nWhy Ecocarib is Your Partner in Solar Savings At Ecocarib, we’re dedicated to transforming the way Caribbean homes harness energy. Our solar PV systems are designed to amplify your savings and empower you to embrace a more sustainable future:\n- Customized Solutions: We tailor each solar PV system to your unique energy needs and budget, ensuring you make the most of your investment.\n- Efficiency at Heart: Our high-efficiency solar panels capture maximum sunlight, translating into higher energy generation and greater savings.\n- Expert Installation: Our experienced team ensures seamless installation, optimizing your system’s performance and longevity.\n- Net Metering Mastery: We guide you through net metering programs, helping you maximize your credits and savings.\n- Long-Term Vision: With Ecocarib, your solar journey is a partnership. We’re here to provide maintenance, support, and insights for years to come.\nA Brighter Future, Powered by Savings In the Caribbean, where the sun is a constant companion, solar PV systems offer a transformative path to financial freedom and environmental stewardship. By generating your own electricity and embracing solar savings, you’re not only lowering your energy bills but also contributing to a cleaner, more sustainable world. With Ecocarib as your trusted partner, the sunny savings journey becomes a reality, illuminating a future where energy costs are minimized, the environment flourishes, and your home shines as a beacon of responsible living.", "domain": "finance"}
{"url": "http://www.makemytrade.in/mcx-positional/", "date": "2019-03-22T11:10:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202642.32/warc/CC-MAIN-20190322094932-20190322120932-00322.warc.gz", "language_score": 0.7833456993103027, "token_count": 398, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__45683578", "lang": "en", "text": "MCX Positional package is a special package designed for traders, who wishes to use the volatility of bullion markets, specially in MCX Gold, Silver, Crude Oil, Natural Gas, Copper, Nickel, Lead, Zinc & Aluminium on positional basis.\nThis package really suits the clients or traders like to trade on BTST (buy today, sell tomorrow), STBT (sell today, buy tomorrow) or short-term positional (maximum 5 working days) basis.\nMake my Trade maintains 85-90% success ratio on consistent basis, we make sure you earn decent profit on your invested capital. Our mission is to update you with the latest happening in commodity markets on local or global level at the right time.\n- Commodities Covered:\n- Bullions: MCX Gold & Silver\n- Metals: MCX Copper, Nickel, Lead, Zinc & Aluminium\n- Energy: MCX Crude Oil & Natural Gas\n- Single target & fixed stop loss for all calls.\n- Daily 1-2 high accurate positional trading tips\n- Only current market price calls\n- Minimum capital requirement: INR 1,00,000 or above\n- Period based package\n- Up to 85% accuracy level\n- Daily, weekly & monthly newsletter\n- Call updates, follow-ups, all important news & market related information\n- Complete support on direct mobile number & chat (through google-talk)\n- User Id & password to members zone\n- Calls will be given only via SMS, Chat & E-mail\n- India: All GSM & CDMA networks covered\nBuy Gold MCX August Futures\nCurrent price: 27400\nTarget Price: 27750\nStop Loss Price: 27300\nDuration: 2 Days\nQuantity: 2 Lots\nGold MCX Positional Call Update:\nBuy given @ 27400 (2 Lots) yesterday\nCurrent Price: 27755\nBook Profit & Exit", "domain": "finance"}
{"url": "https://www.housingworkshop.com/copy-of-janet-smith-heimer-mba", "date": "2023-03-22T22:55:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296944452.97/warc/CC-MAIN-20230322211955-20230323001955-00507.warc.gz", "language_score": 0.951222836971283, "token_count": 502, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__84998401", "lang": "en", "text": "Michael Smith-Heimer, MCP, MBA, PhD\nMichael Smith-Heimer has extensive experience in affordable housing finance, acquisitions, and development. He is expert in Low Income Housing Tax Credits (LIHTCs), tax exempt multifamily bond finance, HUD programs, and complex P3 transactions. Michael works on selected projects for The Housing Workshop.\nMichael was co-owner of the John Stewart Company and served progressively as Development Director and CFO for the Company for over 20 years. The John Stewart Company, one of the largest for-profit affordable housing development and management companies in the US, operates primarily in California. With over 30,000 units under management, the firm has also developed numerous projects, including new construction, rehab, and preservation of expiring projects. During Michael’s tenure, the company developed more than 3,000 affordable units, including rehabilitation of Mercy Family Plaza in San Francisco, financed with LIHTC’s and Historic Tax Credits; renovation and LIHTC financing for senior housing in downtown Vallejo; new construction of a mixed use, mixed income affordable artist live/work project in Ventura CA, rehabilitation and reuse of Treasure Island military housing financed with company equity; renovation and preservation of Monte Alban in San Jose; and new construction of both Bay Street and Hunters View in San Francisco, using combinations of HOPE VI, LIHTC, and other sources.\nMichael also served as Director of Special Projects for the Low Income Fund (LIF), a CDFI based in San Francisco. During his tenure at LIF, Michael developed numerous complex financing mechanisms and assisted other non-profit and community development lenders to organize financing programs. Early in his career, he served as a Senior Financial Analyst for Bank of America, where he structured corporate loan programs for residential development.\nMichael also served as an Adjunct Professor in the Department of City and Regional Planning at UC Berkeley for over 20 years. Throughout Michael’s career, he also provided consulting services to the California Department of Housing and Community Development, as well as to multiple lenders and policy groups.\nMichael holds a Bachelor of Urban Planning from the University of Cincinnati, an MCP and MBA from UC Berkeley, and a PhD in City Planning from UC Berkeley. He is a past Board Member of the Fort Mason Foundation, a premier arts facility in San Francisco. He is also an award-winning landscape photographer with installations throughout the Bay Area (see www.mash-production.com ).", "domain": "finance"}
{"url": "http://www.cfsinvestors.com/", "date": "2020-11-26T06:02:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141186761.30/warc/CC-MAIN-20201126055652-20201126085652-00649.warc.gz", "language_score": 0.9298773407936096, "token_count": 1075, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__185253084", "lang": "en", "text": "We are available to answer your questions or concerns. Call Galo at (323) 464-6040\nAt Comprehensive Financial Services (CFS), Galo wants you to know your concerns are our priority during these challenging times. During the California Lockdown, we have verified we’re classified as an essential business in order to be available for you. Due to health concerns, we have arranged for at least one person available for your calls.\nPlease be patient if you happen to receive a voicemail.\nBe safe & well.\nHave you been receiving our emails regarding the Coronavirus & its impact on the market? Call Galo at (323) 464-6040\nOur first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.\nComprehensive Financial Services (CFS) strives to offer the most complete solutions to our clients’ financial needs and objectives. Whether it’s home or commercial financing, estate or investment planning*, life or health insurance, or trustee services, CFS hopes to offer a custom resolution for our clients.\nIn addition to founding CFS, Galo is an investment advisory representative* registered with Avantax Vest Advisory ServicesSM. Mr. Medina holds a Series 7 (General Securities) license, a Series 65 (Uniform Combined State Law) license, and California State Life Insurance and Annuity licenses. Also, He holds a Mutual Fund Counselor Charter (CMFC) from the College of Financial Planning, as well as a Certified Senior Advisor designation from the Society of Certified Senior Advisors.\nMr. Medina is responsible for the financial planning and investment areas of our practice. These services include investment advisory services, retirement planning, college education planning, estate/legacy planning, and personal/corporate life insurance. Galo also works closely with Matt Crammer and Robert Kern on tax planning issues in order to provide our clients with simplified, integrated, and comprehensive wealth management services.\nMrs. Robyn Medina has over ten years experience in the investment securities industry and is a registered representative for Avantax Investment ServicesSM. She specializes in the college savings arena with an expertise of 529 plans.\nWe encourage you to explore our site and learn more about the services we provide. Should you have any questions or would like more information on our firm, please feel free to email us at email or call us at 323-464-6040. We look forward to hearing from you.\nThe Cost of Procrastination\nDon't let procrastination keep you from pursuing your financial dreams and goals.\nAn Overview of Renter’s Insurance\nDon’t overlook the need for renter’s insurance if you rent your home.\nCoaches have helped you your whole life, in ways big and small. We’d like to be one of them.\nThe wise use of credit is a critical skill. These 10 questions will help you assess your skill level.\nUnderstanding the economy's cycles can help put current business conditions in better perspective.\nSound estate management includes creating financial and healthcare documents. Here's an inside look.\nHave you ever wondered how your credit score compares to the rest of the country? Take a look and see.\nAnnuities are versatile tools that can help you save for retirement and generate income in retirement.\nDiversification is an investment principle designed to manage risk, but it can't prevent against a loss.\nThis calculator estimates your chances of becoming disabled and your potential need for disability insurance.\nUse this calculator to compare the future value of investments with different tax consequences.\nUse this calculator to better see the potential impact of compound interest on an asset.\nThis calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.\nEstimate how much you have the potential to earn during your working years.\nThis calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.\nThe chances of needing long-term care, its cost, and strategies for covering that cost.\nPrinciples that can help create a portfolio designed to pursue investment goals.\nA presentation about managing money: using it, saving it, and even getting credit.\nHow federal estate taxes work, plus estate management documents and tactics.\nThe importance of life insurance, how it works, and how much coverage you need.\nInvestment tools and strategies that can enable you to pursue your retirement goals.\nThere’s an alarming difference between perception and reality for current and future retirees.\nSelecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.\nUnderstanding the cycle of investing may help you avoid easy pitfalls.\nThough we don’t like to think about it, all of us will make an exit sometime. Are you prepared?\nWhy are 401(k) plans, annuities, and IRAs so popular?\nCan successful investors predict changes in the markets? Some can but others miss the market’s signals.", "domain": "finance"}
{"url": "http://www.southindianbank.com/extras/MobileRecharge.aspx", "date": "2016-07-28T08:36:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257828010.15/warc/CC-MAIN-20160723071028-00029-ip-10-185-27-174.ec2.internal.warc.gz", "language_score": 0.7878484725952148, "token_count": 187, "dump": "CC-MAIN-2016-30", "global_id": "webtext-fineweb__CC-MAIN-2016-30__0__27963460", "lang": "en", "text": "Recharge your prepaid mobile balance online or directly from your phone with your SIB account registered for PayMate services of the bank. Click here\nfor more details regarding the PayMate registration process in the bank. On successful payment you will instantly receive a top-up confirmation SMS from your operator.\nHow to recharge via SMS\nTo top up your own mobile number SMS RCG < Amt > to 5667711. For e.g. RCG 50\n- To top up someone else’s mobile number SMS RCG < Mobile number > < Amt > to 5667711. For e.g. RCG 9324242341 50\n-You can currently avail this top-up service for Aircel, Airtel, Idea, Vodafone, Reliance, Tata Indicom, Virgin Mobile, BSNL and BPL (Loop) Mobile networks.", "domain": "finance"}
{"url": "https://revista.visionfruticola.com/view/930255498/10/", "date": "2023-03-28T15:06:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948867.32/warc/CC-MAIN-20230328135732-20230328165732-00407.warc.gz", "language_score": 0.9542754292488098, "token_count": 557, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__144812925", "lang": "en", "text": "On the Radar\nFood Inflation Drops for Second Straight Month\nProduce Industry Icon Jim Prevor Passes Away\nThe all-items Consumer Price Index (CPI), a measure of economy-wide inflation, rose by 7.7% year-on- year in October. This is a slower pace of increase than the 8% that many economists had been\nexpecting, and the lowest annual inflation reading since January. Food price inflation declined for the second month in a row to 10.9% year-on-year, according to the USDA’s Econom - ic Research Service (ERS). This is down from a high of 11.4% in August.\nFarm-Level Economic Uncertainty Remains\nThe Purdue University/CME Group Ag Economy Barometer, which is calculated each month from 400 U.S. agricultural producers’ responses to a telephone survey, came in at a reading of 102 in November, unchanged from October. High input costs continue to weigh on producers’ minds with 42% of respon - dents in this month’s survey citing that as their top\nJim Prevor, the founder and edi - tor-in-chief of publications includ - ing Produce Business magazine, suddenly passed away in November from heart failure. He was a pro - duce industry icon and maverick thought-leader. On this earth for merely 61 years, Jim was a force of boundless energy and enthusiasm for the perishable food and fresh produce industry in which he was born and carried a rich family legacy. Jim is survived by his wife Debbie, sons William and Matthew, and loving extended family and friends.\nKroger and Albertsons Announce $24.6B Merger Plans concern in the year ahead. Slightly over one-fifth of respondents chose rising interest rates, while 14% cited input availability and declining commodity pric - es as a top concern. Nearly 80% of respondents indicated now is a “bad time” to make large investments in farm machinery.\nKroger and Albertsons Companies, two of the United States’ largest supermarket chains, on Oct. 14 an - nounced plans to merge in a deal that could change the country’s food retail landscape. Kroger said it would acquire Albertsons for $24.6 billion. The two companies have about 5,000 stores across the country under chains like Ralphs, Safeway and Vons.\nThe chief executives of both companies defended the merger to the U.S. Senate committee late in November. Kroger said in early December that it still expects to complete the deal in early 2024.\n10 Vision Magazine\nPowered by FlippingBook", "domain": "finance"}
{"url": "http://chuchilandia.com/index-142.html", "date": "2023-10-01T06:37:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510781.66/warc/CC-MAIN-20231001041719-20231001071719-00485.warc.gz", "language_score": 0.9375622868537903, "token_count": 732, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__4495175", "lang": "en", "text": "Description: For beginners, sports betting may seem like a great way to make a lot of money. However, this hobby has many pitfalls, so making money from sports betting is far from easy. For beginners, we have prepared some useful tips on how to learn online betting.\nBetting on Sports: Best Way to Have Fun?\nBetting on sports at the largest bookmakers, among which 22Bet has long held a special place, should be seen not only as a gambling hobby but also as an investment. Many bettors successfully earn a stable profit over a long distance.\nTrue, it is not a full-fledged investment. Because the player always risks the whole bet. Whereas when investing money in stocks or currency rates, the major part of the investment can be returned.\nBut, if each bet is correctly predicted, sports betting can bring dividends in the long run.\nIt is necessary to understand that it is unrealistic to get one hundred percent profit. But it is quite possible to earn 10-20% of the bet amount. Note that in financial and stock markets, an excellent result is considered to be an annual growth of 10-15% in the value of shares.\nWhen considering sports betting as an investment, first of all you should determine your financial strategy. It is not related to the type of sport or the choice of the bookmaker. The main task of this strategy is to allocate your capital correctly with minimal risk.\nIt is recommended to follow the most conservative recommendations. In particular, the size of a bet on sports should not exceed 1-3% of the deposit, and all, risky bets with excessively high odds should be excluded.\nIt is also necessary to set goals for the strategy. For example, the income for six months of playing in a bookmaker’s office should be 10% of the amount of all bets made. The same applies to expenses. Losing more than 30% of the deposit in a month should be considered as a reason to reconsider methods of analysis. It can also be a sign of lack of knowledge, necessary for successful making forecasts.\nIncrease the amount of investment only if your deposit is constantly growing. Or in case you are striving to reach higher betting limits.\nIt is strictly forbidden to increase the betting amount when the deposit decreases, especially if it is done to win back the lost money. With high probability, such a step will only worsen the situation.\nA careful strategy may not bring you the same excitement and pleasure as betting on sports without a system, but it will protect you from losing money.\nChoosing Sports Betting for Investment\nHaving built a strategy, move on to the choice of the main investment instrument. We recommend stopping at the ordinary bets on the outcome. This is the most simple and clear type of betting. It is much easier and more reliable to work with than with handicaps and totals. Express bets on sports are better to discard as the least promising and, at the same time, the riskiest tool.\nAs for the sport, it all depends on the bettor’s preferences, knowledge, and experience. It can be any sports discipline you know well. Don’t forget to study statistics and stay up to date with the latest news.\nThe line of a sportsbook is of great importance. When choosing sports betting, be sure to compare the lines of several bookmakers to find the most favorable odds for investment. Your work with betting should not be limited to one office.\nTogether, these measures allow you to count on a positive result.", "domain": "finance"}
{"url": "http://crossroads360.com/article-avoid-costly-mistakes-in-managing-your-parents-finances-/220515", "date": "2020-12-01T15:24:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141674594.59/warc/CC-MAIN-20201201135627-20201201165627-00408.warc.gz", "language_score": 0.9655422568321228, "token_count": 547, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__130298574", "lang": "en", "text": "It is important to be prepared for the responsibility of managing your elderly parents' financial affairs, because mistakes can have adverse consequences for both seniors and their families.\nMy parents appointed my brother and I as their substitute decision-makers for property in a legal document called a Continuing Power of Attorney, when they were both mentally competent. Our mother asked us to take over the financial reins after my father passed away, just two years later. Fortunately, David and I were able to draw upon our extensive business experience to handle the task. The following are some tips we learned that helped us avoid costly mistakes.\nGather financial information before it's too late.\nOnce a parent has asked for your help handling their financial affairs, learn their filing system and get as much information as soon as you can, before they possibly become incapacitated by physical illness or dementia. This includes information about banking and investment accounts, sources of income, employer, union or veterans' health benefits, income tax returns for the prior two years and current year receipts, insurance policies, and the contact information for any financial advisors.\nKeep good records of financial transactions to avoid family and legal problems.\nYour loved one's financial accounts and transactions should be kept completely separate from yours. In your role as a substitute-decision maker, you are legally obligated by regulations in Ontario (and likely most other provinces) to keep complete and documented records of all of your transactions, whether they involve the sale of your parents' house or paying their bills.\nIf you don't keep good records, other family members may question how a loved one's money was spent. A lack of trust or confidence could lead to litigation or lifelong family feuds.\nInvest a parent's money conservatively or you may have to support them.\nManaging a senior's investments can be more difficult than for a younger investor, because the value of securities can rise or fall dramatically in a short period of time. If $100,000 in capital assets are lost early in a senior's declining years they may not have the time to recover the funds to pay for all of their eldercare expenses.\nTheir money must, therefore, be conservatively invested. A 4 to 6 per cent return range is a high enough goal to set, because securities that promise a higher return usually come with a higher risk. Since seniors have a greater need for income and a lower tolerance for risk than younger people, investment objectives should focus on diversifying capital assets and choosing only income-producing investments that are fairly secure.\nShirley Roberts was the primary caregiver of her mother for seven years and is the author of Doris Inc.: A Business Approach to Caring for Your Elderly Parents.", "domain": "finance"}
{"url": "https://bestgadgetdiary.com/web-stories/8-facts-about-president-biden-student-loan-relief/", "date": "2024-04-13T12:50:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816734.69/warc/CC-MAIN-20240413114018-20240413144018-00660.warc.gz", "language_score": 0.947154700756073, "token_count": 252, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__145086794", "lang": "en", "text": "A three-part plan delivers on President Biden’s promise to cancel $10,000 of student debt for low- to middle-income borrowers\nMost federal student loan borrowers will be eligible for some forgiveness: up to $10,000 if you didn’t receive a Pell Grant, which is a type of aid available to low-income undergraduate students, and up to $20,000 if you did.\nThe skyrocketing cumulative federal student loan debt—$1.6 trillion and rising for more than 45 million borrowers is a significant burden on America’s middle class.\nPresident Biden’s plan to cancel student-loan debt and extend a repayment pause means that the government is transferring debt from borrowers to taxpayers.\nThis plan is expensive, regressive, and fundamentally unfair to all Americans, especially those who did not take out student loans or who paid them off entirely.\n“The median American with student loans has a significantly higher income than the median American overall,” says Senate Minority Leader Mitch McConnell\nPresident Biden is announcing a three-part plan to provide more breathing room to America’s working families as they continue to recover from the strains associated with the COVID-19 pandemic.", "domain": "finance"}
{"url": "http://foreignaffairs.gov.sl/kuwait-government-donates-usd-250000-towards-the-mudslide-and-flood-disaster-relief-efforts-in-sierra-leone/", "date": "2018-02-22T04:35:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814002.69/warc/CC-MAIN-20180222041853-20180222061853-00094.warc.gz", "language_score": 0.9518587589263916, "token_count": 283, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__248237948", "lang": "en", "text": "The Deputy Foreign Minister of State of Kuwait, Mr. Khaled Sulaiman Al-Jarallah has announced their intention to join the international community’s efforts to support Sierra Leone in the wake of the mudslide disaster of 14th August 2017, by pledging $250,000 (Two hundred and fifty thousand United States Dollars) towards the Government of Sierra Leone’s (GOSL) relief efforts.\nThe pledge was made following appeals launched by the Embassy of the Republic of Sierra Leone in the State of Kuwait headed by the Charge’ d’Affaires Mr. Duwai S. Lungay for victims of the Mudslide and Flood disaster.\nThe Office of the Deputy Foreign Minister of Kuwait announced the pledge on Wednesday 30th August 2017 on behalf of the Government of the State of Kuwait.\nIt is expected that the Foreign Ministry of Kuwait would make an immediate remittance of the Kuwaiti Government’s contribution to the Disaster Relief Fund Account.\nThe Charge’ d’Affaires, on behalf of His Excellency Dr. Ernest Bai Koroma, the Government and People of Sierra Leone, thanked the Assistant Foreign Minister in the office of the Deputy Foreign Minister who made the disclosure of the Pledge on behalf of his Government to him over the phone, and assured him that the donation would be used to meet the needs of the victims of the Disaster.", "domain": "finance"}
{"url": "https://fremontcountyid.gov/245/Circuit-Breaker-Exemption", "date": "2024-02-24T07:24:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474523.8/warc/CC-MAIN-20240224044749-20240224074749-00383.warc.gz", "language_score": 0.9285380244255066, "token_count": 745, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__88340854", "lang": "en", "text": "Circuit Breaker Exemption\nIdaho Property Tax Reduction Program\nApply Between January 1 and April 15 For The Current Tax Year (This is not intended to provide comprehensive explanations of Idaho tax laws or rules. Specific questions should be addressed to the county assessor. Income and other requirements may change from year-to-year).\nThe Property Tax Reduction Program program reduces property taxes for qualified applicants. The amount of reduction is based on total household income for the previous calendar year. If you qualify, the property taxes on your home and up to one acre of land may be reduced. Sold waste, irrigation or other fees charged in some counties cannot be reduced by Property Tax Reduction benefits.\nYou may qualify for property tax reduction if you meet certain requirements. You must have owned and lived in a house or manufactured home in Idaho that was your primary residence. (You may qualify if you lived in a care facility or nursing home. Contact the county assessor for information.)\nYou must meet certain income requirements after deducting:\n- Medical expenses not reimbursed by Medicare or other insurance\n- Business or farm losses\n- Capital gains\nYou must be eligible in one or more categories, including:\n- Age 65 or older\n- Widow(er) of any age\n- Fatherless or motherless child, under 18 years of age\n- Former prisoner of war/hostage\n- Veteran with at least 10% service-connected disability, or receiving VA pension for a non-service-connected disability\n- Disabled as recognized by the Social Security Administration, Railroad Retirement Board or Federal Civil Service.\nContact your county assessor. The Fremont County Assessor's Office is located in the basement of the County Courthouse in St. Anthony. An elevator is available from the west entrance.\nComplete an online application at https://idahotap.gentax.com/tap/_/. If you need help, the assessor's staff will assist you.\nYou can apply for property tax reduction between January 1 and April 15 of the current tax year. To receive this benefit, you must apply and qualify each year. It is not renewed automatically.\nYou will be required to show proof of your income, medical expenses and any disability when you file your application.\nIf you are missing some of this information, complete as much of the form as possible, sign and return it to the assessor's office by the April 15 deadline. Attach a note of explanation if you have estimated any part of your income. You will be allowed a reasonable amount of time to complete the form after the filing deadline.\nIf your application is approved, your property tax reduction will appear on the tax notice sent in November.\nAll recipients of the property tax reduction benefit automatically receive the Homeowner's Exemption, which reduces the taxable value of a home (excluding land) by 50% or $50,000, whichever is less.\nYou must provide the assessor's office with documents to show your income and expenses. (Bring original documents or copies if you apply in person; send copies if you mail your application).\nWhen you complete your application, you must report all household income received by:\n- Yourself and your spouse\n- Children or parents who live at home\n- Other household members\nFor more information, contact:\n- Local County Assessor\n- Idaho State Tax Commission phone: 208-334-7736 or toll-free from Idaho, Oregon, Utah, and Washington, phone: 800-972-7660.\n- Hearing Impaired Phone: TDD 800-377-3529\n- Downloadable Brochure Explaining the Property Tax Reduction Program", "domain": "finance"}
{"url": "https://www.ohiocatholicfoundation.com/2022-catholic-education-scholarship-program/", "date": "2024-02-20T23:06:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473347.0/warc/CC-MAIN-20240220211055-20240221001055-00474.warc.gz", "language_score": 0.92838454246521, "token_count": 306, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__114939143", "lang": "en", "text": "In keeping with its commitment to support Catholic education, Ohio Catholic Federal Credit Union will be randomly selecting up to 15 students to receive a $1,000 Catholic elementary or high school scholarship for the 2022-2023 academic year.\nTo be eligible for a scholarship, students must:\n- Have a Genesis Savings account with Ohio Catholic Federal Credit Union with a minimum balance of $10.00\n- Currently attend a Catholic elementary school or high school in Ohio\n- Be enrolled in a Catholic elementary school or high school for the 2022-2023 school year. The scholarship funds will be sent directly to the Catholic school in the name of the student awarded the funds.\nOne eligible student from each of our student banking partner schools will be selected to receive a scholarship.\nSt. Albert the Great School / North Royalton\nSt. Anselm School / Chesterland\nSt. Barnabas School / Northfield\nSt. Benedict School / Garfield Heights\nSt. Francis De Sales School / Akron\nImmaculate Heart of Mary School / Cuyahoga Falls\nSts. Joseph & John School / Strongsville\nSt. Mary School / Chardon\nSt. Vincent De Paul School / Akron\nStudents who do NOT attend a student banking partner school may become eligible to be randomly selected for a scholarship by opening a Genesis Savings account at any of our four local branches.\nThe deadline for opening a Genesis Savings account and being eligible for this year’s Catholic education scholarship is March 31, 2022.", "domain": "finance"}
{"url": "https://stasher.com/blog/understanding-credit-card-reward-points-and-how-to-maximize-them/", "date": "2024-04-19T14:58:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817438.43/warc/CC-MAIN-20240419141145-20240419171145-00304.warc.gz", "language_score": 0.9408962726593018, "token_count": 1708, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__191054800", "lang": "en", "text": "Credit card reward points are a popular incentive offered by credit card companies to attract and retain customers. They can be redeemed for a variety of items, from travel to cashback to merchandise. However, not all reward programs are created equal, and maximizing your reward points can be challenging. In this article, we’ll explore the ins and outs of credit card reward points and how to get the most out of them. If you’re new to the world of credit card points, you might find The Points Party Beginner’s Guide a useful starting point.\nWhat are Credit Card Reward Points?\nCredit card reward points are a form of loyalty program offered by credit card companies to incentivize customers to use their credit cards for purchases. These points are earned on eligible purchases and can be redeemed for rewards such as travel, cashback, and other perks. Depending on the type of credit card, reward points will accumulate at different rates based on the amount spent on the credit card.\nBut did you know that travel credit card reward points can also come with additional benefits? For example, some credit cards offer complimentary travel insurance when you use your card to purchase travel tickets. This can save you money on purchasing separate travel insurance policies. Additionally, some credit cards offer extended warranties on purchases made with the card, providing extra protection and peace of mind.\nTypes of Credit Card Rewards\nThere are several types of credit card rewards. Some popular ones include travel rewards, cashback rewards, merchandise rewards, and statement credits. Understanding the different types of rewards can help you choose a credit card that aligns with your lifestyle and spending habits.\nTravel rewards can be particularly valuable for people who travel frequently. Some credit cards offer rewards such as free flights, hotel stays, or upgrades. Additionally, some credit cards offer lounge access at airports, providing a comfortable and relaxing space to wait for your flight.\nCashback rewards can be a great way to earn money back on your purchases. Some credit cards offer up to 5% cashback on certain categories of purchases, such as groceries or gas. This can add up quickly and provide a nice bonus at the end of the year.\nMerchandise rewards can be a fun way to redeem your points. Some credit cards offer rewards such as electronics, household items, or even gift cards. This can be a great way to treat yourself or purchase gifts for others.\nHow Reward Points Are Earned\nReward points are earned based on eligible purchases made with the credit card. Some credit cards offer bonus points for specific categories of purchases, such as groceries or gas. There are also opportunities to earn additional points through sign-up bonuses, referrals, or spending thresholds.\nIt’s important to note that not all purchases will earn reward points. Some credit cards exclude certain purchases, such as cash advances or balance transfers, from earning points. It’s important to read the terms and conditions of your credit card to understand what purchases are eligible for reward points.\nUnderstanding Point Values\nThe point value of a credit card reward can vary depending on the credit card company and the reward program. It’s important to understand point values to make informed decisions about reward redemption. For example, some rewards might require more points than others, making them less valuable overall.\nAdditionally, some credit cards offer more value for your points when redeeming for certain rewards. For example, some credit cards offer a higher redemption value when redeeming for travel rewards compared to merchandise rewards. Understanding these differences can help you maximize the value of your reward points.\nChoosing the Right Credit Card for You\nChoosing the right credit card is crucial for maximizing your reward points. With so many options available, it can be overwhelming to decide which credit card is best for you. One important decision may be choosing between premium cards such as the American Express Gold and Platinum. Considering the following factors can help make the decision easier.\nAssessing Your Spending Habits\nEvaluate your spending habits and choose a credit card that rewards you for your most common purchases. For example, if you frequently travel, consider a credit card with travel rewards. If you often dine out, look for a credit card that offers cashback or points for restaurant purchases. Similarly, if you spend a lot on groceries, choose a credit card that rewards you for grocery purchases. By selecting a credit card that aligns with your spending habits, you can maximize your rewards and get the most out of your credit card.\nMoreover, understanding your spending habits can help you determine the credit limit you need. If you have a high credit limit, you can make large purchases without worrying about maxing out your card. However, if you are prone to overspending, a lower credit limit may be more suitable for you.\nComparing Reward Programs\nCompare the reward programs offered by different credit cards to determine which one best aligns with your needs and preferences. Some credit cards offer cashback rewards, while others offer points that can be redeemed for travel, merchandise, or gift cards. Additionally, some credit cards offer sign-up bonuses, which can be a great way to earn extra rewards. However, be sure to read the fine print and understand the terms and conditions of the reward program before signing up.\nFurthermore, some credit cards offer additional perks, such as travel insurance, purchase protection, and extended warranties. These perks can add significant value to your credit card, so be sure to consider them when comparing different credit cards.\nConsidering Annual Fees and Interest Rates\nAnnual fees and interest rates can significantly impact the value of your rewards. Be sure to consider these factors when choosing a credit card. Some credit cards offer no annual fees, while others charge hundreds of dollars per year. If you are considering a credit card with an annual fee, make sure the rewards and perks outweigh the cost. For instance, the Chase Sapphire Reserve has a significant annual fee, but the benefits may make it worth it for some people.\nSimilarly, interest rates can add up quickly if you carry a balance on your credit card. Look for a credit card with a low interest rate to minimize the amount of interest you pay over time.\nOverall, choosing the right credit card requires careful consideration of your spending habits, reward programs, annual fees, and interest rates. By selecting a credit card that aligns with your needs and preferences, you can maximize your rewards and get the most out of your credit card.\nMaximizing Your Reward Points\nEarning points is just the first step in maximizing your credit card reward points. Consider the following strategies:\nCombining Multiple Credit Cards\nUsing multiple credit cards can help you earn bonus rewards on different categories of purchases. Just be sure to manage your cards responsibly and avoid carrying a balance on any of them.\nTaking Advantage of Sign-up Bonuses\nSign-up bonuses can be a great way to earn a large number of points quickly. Just be sure to meet the spending requirements to receive the bonus.\nUtilizing Shopping Portals and Special Offers\nMany credit cards offer special deals and promotions that can earn additional points. Take advantage of these offers to boost your reward points.\nRedeeming Your Reward Points\nRedeeming your reward points can be just as important as earning them. Consider the following options:\nCashback rewards can be a straightforward way to redeem your reward points. However, make sure to understand the redemption rate for cashback rewards and whether there are any minimum thresholds.\nTravel Rewards and Booking Tips\nTravel rewards can offer excellent value if you book wisely. Be sure to research flights, hotels, and other travel expenses to get the best deals.\nGift Cards and Merchandise Redemptions\nRedeeming your reward points for gift cards or merchandise can be a fun way to treat yourself. Just make sure to choose rewards that you will actually use.\nCredit card reward points can be a valuable tool for earning travel, cashback, and other perks. By choosing the right credit card, earning points strategically, and redeeming rewards wisely, you can maximize the value of your credit card reward points. Use these tips to make the most out of your credit card rewards program. Remember, the best credit card for you depends on your individual spending habits, travel preferences, and financial situation. So take your time, do your research, and make an informed choice.", "domain": "finance"}
{"url": "http://www.activelivingphysio.com/services.html", "date": "2018-07-23T05:30:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676594954.59/warc/CC-MAIN-20180723051723-20180723071723-00270.warc.gz", "language_score": 0.9042419791221619, "token_count": 200, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__145614219", "lang": "en", "text": "Initial assessment- Senior Physiotherapist $100\nInitial assessment- Physiotherapist $90\n30-minute follow up visit $68\nReturning client new problem $90/100\n1 hour follow up visit $120\nWe are able to bill most extended health insurance companies: Blue Cross, GreenShield, Sun Life, Manulife, Cowan, DesJardins, Industrial Alliance, Johnson Inc., and Johnston Group. VISA, MC, Debit, and cash are acceptable methods of payment for patient pay amounts or those without health insurance.\nICBC clients are required to contact their adjuster to discuss reimbursement. We do not bill ICBC directly. We do not have a contract to see WSBC clients at this time but are happy to recommend other physiotherapy clinics for WSBC clients.\nWe do not have direct billing for MSP Eligible patients. We take full visit payment and give a receipt that you are able to submit for MSP refund.", "domain": "finance"}
{"url": "https://www.unitedway.ro/give-2/?lang=en", "date": "2020-04-09T20:05:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371876625.96/warc/CC-MAIN-20200409185507-20200409220007-00265.warc.gz", "language_score": 0.8774464130401611, "token_count": 257, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__161606666", "lang": "en", "text": "But to continue our vital work, we need your support:\nOr donate through bank transfer in one of the United Way Donation accounts:\nIn RON: RO 67 RZBR 0000 0600 0510 0708\nIn EUR: RO 72 RZBR 0000 0600 0805 8342\nIn USD: RO 97 RZBR 0000 0600 0520 4928\nEach year, socially responsible companies join their efforts with United Way to address our community’s most stringent issues.\nUnited Way raises important funds through payroll giving.\nIf your employer is a United Way corporate partner, you can choose to contribute with a fix amount from your every month’s salary.\nDonors who give $1,000 or more a year automatically become part of United Way’s Leadership Circle.\nDonors who give $10,000 or more a year join the exclusive Alexis de Tocqueville Society, among most generous philanthropists who accepted a leadership role in making major financial contributions to our community through United Way.\nSend VIITOR, by SMS at 8844 and donate 2 euros/month, so that an underprivileged child can go to school and continue his education.\nThank you for your support and for helping our community!", "domain": "finance"}
{"url": "http://agbeamfarms.com/help-and-support/", "date": "2021-06-18T19:02:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487640324.35/warc/CC-MAIN-20210618165643-20210618195643-00637.warc.gz", "language_score": 0.9436390995979309, "token_count": 589, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__66706569", "lang": "en", "text": "Yes – we have payment terms for spot cash: 1 year and 1.5 years to pay. For non-payment, a grace period is allowed for updating the account.\nSelling of fresh, unprocessed fruit is non VAT-able. Individual farming itself is not a taxable business, so there are no taxes required on the farmer’s side.\nHowever, if you choose to assign farm ownership to a company, business taxes on the farm’s income shall be charged to your company\nYes. We allow group funding for our dragon fruit farms. You can form a group with your relatives, friends, or colleagues, fund a farm together, and divide the returns amongst yourselves.\nIn matters of inheritance, the farm shares will be transferrable to each of your and your partners’ respective designated beneficiaries.\nAgbeam will be in contract to buy 100% of the produce. We follow a criteria for pricing, but everything will definitely be purchased.\nCurrently, our fruits are sold out 2-3 weeks before harvest time, so the likelihood of fruit not being distributed is very small.\nBased on our calculations, the 1,000 hectares of plantations we plan to develop will only be able to fulfill the 2017 local demand for dragon fruit and a very small fraction of the export demand. Both local and export demands are increasing by more than 15% every year, which means that demand would be even higher once we finish developing all the farms.\nYes. The lands will be properly subdivided and assigned a specific lot and quadrant number. You will be able to easily see the specific location and area of your farm.\nThere are two kinds of insurances you can avail of: insurance for your crops and insurance for your payment scheme.\nIf you have chosen Package A (Agbeam land and management), we’ll provide crop insurance for your farm on its first year of operations. This will protect you from fortuitous scenarios that may destroy your plantation. On the second year and onwards, you can choose to continue the insurance on your account.\nWe also have mortgage redemption insurance for your payment scheme. In case anything happens to you within the payment period, our insurance partner will pay us (Agbeam) in full, and we will transfer your farm to your declared beneficiary.\nThe portal will serve as a management and monitoring tool for farm owners. It will show all customer and farm data, payments, income, withdrawals, reports, AV materials, receipts, and news and updates.\nWe follow International Standards (Good Agricultural Practices, Food Safety, HACCP) when it comes to farm operations and management.\nThis means that before we assign you to a lot, we have already done a strict audit on soil, water, etc. to ensure that the property assigned to you will bear good fruit. All these pre-planting activities are covered by your total fund amount.", "domain": "finance"}
{"url": "https://dogberrypatch.com/invest-like-millionaire-use-mutual-funds-etfs/", "date": "2022-06-25T22:26:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103036176.7/warc/CC-MAIN-20220625220543-20220626010543-00035.warc.gz", "language_score": 0.9271689057350159, "token_count": 190, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__126746785", "lang": "en", "text": "Every year I give a talk to high school students. I ask them if they want to invest like millionaires. Without exception, they say they do. Then I point out that millionaires invest in hundreds or thousands of companies, instead of only in a few. The good news is that if you have a few thousand dollars, you can invest like a millionaire through mutual funds.\n— Page: 16\nAs exciting as it may be to buy individual stocks, mutual funds and ETFs allow you to diversify. If you aren’t diversified then you are gambling, which can be fun but should not be considered investing.\nMy Social Media Links: Facebook; Google+; Twitter;\nArticle Series - 101 Investment Decisions\n- 101 Investment Decisions Guaranteed to Change Your Financial Future by Paul Merriman\n- Invest like a Millionaire – Use Mutual Funds and ETFs\n- Investment Advisors – Commissioned & Fee Based", "domain": "finance"}
{"url": "https://verityandme.co.uk/vm-klarna", "date": "2024-03-01T01:29:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474893.90/warc/CC-MAIN-20240229234355-20240301024355-00386.warc.gz", "language_score": 0.9052145481109619, "token_count": 563, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__84000496", "lang": "en", "text": "Spread your payments with Verity & Me's Shopping Experience!\nWe're excited to announce that we have partnered with Klarna to allow you to spread your payments to your shopping journey on verityandme.co.uk.\nWhat is Klarna, you ask?\nKlarna is a renowned payment option trusted by numerous retailers, providing you with a convenient \"shop now, pay for your goods later\" service at the checkout.\nThis means you don't have to make immediate payment, enabling you extra time to decide which items you'd like to keep from your order.\nHere's how you can make the most of Klarna while shopping with us:\nAdd your desired item(s) to the cart and proceed to checkout.\nBy default the payment process on verityandme.co.uk will be Card. So, simply select Klarna as your preferred payment option during the checkout and click \"Place Order\"\nYou will be redirected to the Klarna Payment Gateway.\nOnce paid you can Manage all your orders and payments seamlessly within the Klarna app.\nWith Klarna, you have two fantastic payment options available:\nPay in 30 Days\nComplete your purchase today and start flaunting your new clothing as soon as it arrives.\nAlternatively, take some time to ponder over your choices. You can pay within 30 days after shipping with no interest, fees, or stress involved.\nPay in 3 Instalments\nIf your purchase amounts to a minimum of £90, you can divide the total cost into three equal payments.\nSpread the cost of your purchase over time without any interest or fees.\nSimply provide your preferred credit or debit card details, and automatic payments will be made every 30 days.\nYour first instalment will be collected when your order is confirmed, followed by instalments 2 and 3 scheduled for 30 and 60 days later, respectively.\nWhy should you choose Klarna for your payment needs?\nBy opting for Klarna, you'll have all your purchases conveniently tracked in one place—the Klarna app.\nYou can effortlessly pay any outstanding balances and stay on top of your finances. Moreover, both payment options come with 0% interest, fees, or late-payment charges.\nWe understand the importance of your personal data security. To enable Klarna's payment options, we will securely pass certain aspects of your personal information, such as contact and order details, to Klarna. This is done solely for Klarna to assess your eligibility for their payment options and customize them to suit your needs. Rest assured, Klarna maintains stringent anti-fraud measures to protect customers and prevent unauthorized purchases.\nSpread your payments today and enjoy your shopping experience with Klarna on Verityandme.co.uk", "domain": "finance"}
{"url": "https://www.challengeelite.org/page/show/5912947-membership-fee", "date": "2020-11-23T18:35:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141164142.1/warc/CC-MAIN-20201123182720-20201123212720-00137.warc.gz", "language_score": 0.7706950306892395, "token_count": 470, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__43335220", "lang": "en", "text": "Club fee includes uniforms package, tournament fees, coaches salary, admin, training, facility rental, and equipments. This club fee does not include USAV/AAU membership fee, travel and hotel expenses.\n*Please note travel team fees include AAU Junior National Volleyball champions in Florida or USAV Junior National Championships if qualify, and post season extra practices to prepare for National.\nAt tryout, there will be a $500 non-refundable deposit if accepted to the club team. We accept cash or check, this deposit is going toward your club fee.\nThe payment options for the rest of the club fee are as follows:\nProvide one-time cash payment in full, cash or check. $100 discount if paid in full.\nProvide 6 post-dated remaining evenly divided checks due on the 15th of each month from September 2020 to February 2021.\nThere will be a $50 charge for any returned check.\n|Team||Price||# Practices||# Local Tours||# of In-State Travel Tours||# Out of Texas Tour|\n|U11/U12 Legend Local||$1600||2||6|\n|U12 Magic State||$2300||2||9||1|\n|U12 Royal State||$2600||3||9||1|\n|U13 Legend Local||$2200||2||8|\n|U13 Magic State||$2500||2||9||1|\n|U13 Royal State||$2900||3||9||1|\n|U14-U15 Oz Local||$2300||2||8|\n|U14-U15 Legend State||$2500||2||9||1|\n|U14 Royal State||$3000||3||8||2|\n|U15 Magic State||$3000||3||8||2|\n|U15 Royal Travel||$3500||3||8||2||1|\n|U16-U18 Legend State||$2700||2||9||1|\n|U16-U18 Magic State||$3100||3||8||2|\n|U16-U18 Royal Travel||$3500||3||8||2||1|", "domain": "finance"}
{"url": "https://www.northaccountants.com.au/business-services", "date": "2022-05-22T23:59:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662550298.31/warc/CC-MAIN-20220522220714-20220523010714-00208.warc.gz", "language_score": 0.9331627488136292, "token_count": 346, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__285313063", "lang": "en", "text": "We can assist small businesses in all areas of taxation and across all industries, with special interests in:\n- manufactured home and holiday parks\n- medical practitioners (general & specialist)\n- child care centres\n- real estate agencies\n- property development\n- contractors and consultants\nAccounting and Taxation\n- Annual tax planning\n- Financial statements and tax return preparation for all entity types including companies, trusts, partnerships, SMSF’s and sole traders.\n- Company secretarial obligations\n- BAS & IAS preparation with annual GST returns\n- Other compliance including FBT, payroll tax and land tax, employee obligations including payroll, superannuation and workers compensation\n- Specialist tax advice for ‘one off’ transactions including business and property sales.\nBusiness Advice & Management Assistance\nWhether you need help with the setup or your new business or business purchase, or if you would like to better understand your existing business and want the right tools to assist with making management decisions, we offer services such as:\n- Setup of operating structures and advice\n- Review of existing structure\n- Benchmarking/KPI reporting\n- Cash flow forecasting\n- Management reporting\n- Buying and selling businesses\nAsk us how we can drastically reduce the time you spend on your books. Choosing the right tools for the job is essential and that’s why we are affiliated with a variety of software providers to ensure the correct fit for your business.\nAlternatively, we would be happy to take care of all aspects of your bookkeeping for you. We have packages starting from as little as $150 per month including the software.", "domain": "finance"}
{"url": "https://www.inlandendo.com/patient-information/insurance-information/", "date": "2023-06-08T15:59:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224655027.51/warc/CC-MAIN-20230608135911-20230608165911-00274.warc.gz", "language_score": 0.9352577924728394, "token_count": 206, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__121443778", "lang": "en", "text": "At Inland Endodontics, we make every effort to provide you with the finest care and the most convenient financial options. To accomplish this, we work hand-in-hand with you to maximize your insurance reimbursement for covered procedures.\nPlease provide us with your insurance information prior to your consultation so that we can provide you with an estimate and expedite reimbursement.\nPatients With Dental Insurance\nYour insurance benefit may cover anywhere from 0 to 100% of the fee, depending on the terms of your insurance. As a courtesy to our patients, our office estimates the amount that the insurance will likely cover for that procedure.The patient’s estimated portion is due at the time service is rendered. Our office will then submit a claim to your insurance for any services that have been completed. Once claims have been processed, you will be notified if there is a difference in the amount that is due.\nPlease remember you are fully responsible for all fees charged by this office regardless of your insurance coverage.", "domain": "finance"}
{"url": "https://moutonabascule.com/en/general-conditions-of-rental/", "date": "2021-07-27T20:29:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046153491.18/warc/CC-MAIN-20210727202227-20210727232227-00061.warc.gz", "language_score": 0.9359543919563293, "token_count": 2907, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__193278783", "lang": "en", "text": "Rates and terms of payment\nTo be valid, the reservation must be accompanied cumulatively by:\n- A deposit, equal to 25% of the rental price. By express agreement between the parties, it is agreed that this sum is paid as a down payment, and not as a deposit.\n- The initialled and signed rental contract.\nThe balance of the rental price must be paid, at the latest, one month before the date of the beginning of the stay.\nIf the balance is not paid, at the latest one month before the date of arrival of the tenant, we reserve the right to cancel the stay. In this case, the deposit will be returned to the tenant if the property is rented again on the same dates at the same price.\nThe price must be paid in full, in a single payment, on the day of the reservation if the reservation is made within a period equal to or less than one month before the date of the beginning of the stay.\nAll our prices are in Euros, all taxes included, and include all the services at your disposal, the rent and the rental charges.\nThe lessee undertakes to take possession of the premises at the dates and times fixed in the contract.\nThe keys will be handed over only after the payment of the deposit, the payment of the additional services reserved if necessary, and the visitor’s tax.\nIf the deposit is stipulated “cashed” on the present contract, it must be paid at the time of the balance of the rental one month before arrival.\nThe rental does not include:\n- The visitor’s tax (rate per day and per person depending on the property)\n- All additional services: airport transfers, ski equipment, ski passes and other options.Any bank charges to be paid by the client.\nTerms and formation of the contract\nWe make an offer to rent, by any means and possibly by any form of advertising.\nThe rental contract is then only validly formed with our confirmation of the rental, we will intervene within one month of the payment of the deposit. If at the end of this period, we have not confirmed the rental, we will return the deposit immediately and the reservation will be considered null and void.\n- All cancellations must be notified by registered mail.\n- The date of presentation of the letter will determine the date of cancellation.\n- In case of cancellation by the tenant, the conditions below will be applied:\n- From the date of reservation to 61 days: the deposit is not returned to\n- From 60 to 31 days: 75% of the stay will be charged to the tenant.\n- From 30 days and the date of arrival or no show at the beginning of the stay: 100% of the stay will be charged to the tenant.\n- From the date of reservation to 61 days: the deposit is not returned to\nExceptional situation due to COVID-19 :\n- French resident: 100% refund if the resort of Val d’Isère is closed on the date of the beginning of the stay.\n- Non French resident: 100% refund if the French borders are closed (or if the Val d’Isère resort is closed on the date of the stay.\n- Guarantee 50 % within 30 days to 15 days before the start of the stay. If the borders of the country of origin (of the French non-resident reserving) are closed for the date of the stay. By published official decree.\n- the reservist must notify it to the reserving party (RCAR within the above time limit).\n- Guarantee 25 % within 15 days before the date of the stay, and until the provisional date of arrival then a possible refund of 25 % of the sums in the form of a credit note valid for the following season.\nFor any cancellation for which the reason would be motivated, and in the event of re-renting of the aforementioned goods by our care, the paid amount could be restored to the tenant, not being able to honour his contract. Any stay shortened or interrupted by the tenant will not give right to any refund.\nIf we were forced to cancel the stay in the accommodation provided, due to the actions of third parties or external circumstances such as the Covid-19, we will provide, if possible, accommodation of the same category, or a higher category, without additional charge. Otherwise, we undertake to reimburse immediately the full amount paid.\nInsurance Cancellation insurance can be taken out for the stay. It will be subject to a supplement, the conditions of which will be sent to the taker on request if necessary.\nAll objects or personal effects belonging to the tenant are the tenant’s own responsibility.\nConcerning the rented property, the lessee is responsible for any damage he has caused.\nThe lessee shall therefore be required to take out insurance with an insurance company against the risks of theft, fire, glass breakage and water damage.\nAnd more generally, he must insure himself for the totality of his rental risks and the furniture rented, as well as for eventual recourse by the neighbours, and must be able to justify this at the simple request of the owner or his representative. Consequently, the latter decline all responsibility for the recourse that their insurance company could exercise\nagainst the lessee in the event of a claim.\nGoods and chattels should only suffer depreciation arising from the normal use for which they are intended.\nThe security deposit shall be paid to cover any damage or loss caused to the rented goods.\nThe security deposit paid by the tenant will be kept until the counter-statement of the premises made by the agency after the client’s departure. It can be cashed.\nWe ask for a deposit of 15 000€ for the Chalet Orso.\nWe ask for a deposit of 10 000€ for Chalet Orca.\nThe security deposit will be paid no later than one month before the start of the rental period.\n- By bank transfer, according to the amount indicated on the particular conditions of the contract.\nIt will be returned within a maximum period of two weeks after the tenant’s departure, less the cost of repairing the premises if any damage is found.\nIf the security deposit is not sufficient to cover the costs due to the damage, the tenant undertakes to pay the balance on first request.\nAn increase of up to 10% (on the price excluding VAT) may be added to our concierge services (taxi transfers, cleaning…).\nThe re-invoicing of services having a reduced VAT rate will necessarily lead to a change of VAT at the common law rate* except for services subject to disbursement.\n*As of 01 January 2014, the common law VAT rate is 20%.\nCertain additional services subject to reduced VAT are provided to you as part of disbursements. We are at your disposal to purchase for you the product or service (ski passes, ESF ski lessons) at a reduced rate of VAT from the company concerned. This is a reimbursement of disbursements on behalf of third parties and we do not have to charge VAT on the sums reimbursed by the principal. We do not charge a margin and the service is purchased at the public price displayed at the service provider’s cash desk.\nEach tenant must report directly to the Chalets upon arrival.\nThe rentals start from 5.00 pm.\n● Any late arrival, i.e. after 7.30 pm, must be notified to us beforehand so that we can make the best possible arrangements.\n● We will not be able to organize an arrival after 11:30 pm.\n● The tenant(s) are obliged to park in the private car park of the Chalet and not on the public road or in the local area.\n- On the day of departure, the accommodation must imperatively be vacated before 10:00 am, with the handing over of the keys.\n- Any delayed departure will be charged 1000€/hour per chalet.\n- The total settlement of the bill at the end of the stay must be paid, at the latest, the day before the tenant’s departure (i.e. Friday).\n- Any key, remote control or beeper not returned will be invoiced at the purchase price.\nDuration of the stay\nThe length of stay is specified in the special conditions of this contract. Under no circumstances will the tenant be allowed to stay in the premises after this period, unless we have given our prior agreement, subject to an additional charge, which will be fixed in proportion to the price of the stay.\nThe latter declares on his honour that he does not exercise and does not seek to exercise any profession in the rental and that the premises which are the subject of the present contract are rented to him only as a temporary residence, major conditions without which the present rental would not have been granted.\nState of the premise\nThe inventory and the inventory of fixtures, of entry and exit, will be carried out unilaterally by our care before the arrival and after the departure of the tenant. The said inventory of fixtures not being carried out in a contradictory way, the tenant will benefit from a 48 hour deadline to formulate any complaint. After this period, the rented goods will be considered as free of damage when he enters the premises.\nUse of the premises: exclusive use of seasonal furnished rentals.\n- To occupy the rented building only for non-commercial purposes, which is privately owned. The tenant undertakes to use it only temporarily. This building will in no case be his or her main or secondary residence and the tenant will not carry out any professional, craft or commercial activity there.\n- The lessee undertakes to take the rented premises in the state in which they will be at the time of entry into use as described in the descriptive statement of this contract.\n- Occupy the chalet or apartment in such a way as to do nothing that could harm the neighbourhood. In particular, it must not create any nuisance, noise or any other disturbances.\n- The lessee undertakes to use the furniture and objects furnishing the rented property for the use for which they are intended and in the places where they are located. He formally refrains from transporting them outside the rented premises.\n- Occupy the premises personally and may not under any circumstances sublet them, even free of charge, nor transfer his rights under this agreement without the consent of the agency. He will have to live in the rented premises and will not be allowed, under any pretext, to store furniture, except for linen and small items.\n- Keep the premises in good condition during the stay.\n- Do not bring in any animals, except with our permission and for an additional charge.\n- Notify us of any minor maintenance work that may have been carried out.\n- Let us carry out any work that needs to be carried out in the obvious urgency, whatever it may be. If the work to be carried out is due to a deterioration attributable to the tenant, it will be re-invoiced to the tenant.\n- The lessee is responsible for the destruction or deterioration of any object placed at his disposal, as an accessory to the Chalet, and for any damage that may be caused to the building and installations of any kind, due to abnormal use, in particular electrical and heating appliances, or the obstruction of the WC, washbasin, bathtub\nor sink by objects of a nature to block the drains. In the event of suspicion of damage, we will then have access to the rented Chalet to carry out all the necessary checks.\n- In the event of renting in a building, the tenants will comply, as occupants of the premises, with the internal regulations of the building, of which they acknowledge having taken cognizance\nObligations of Mouton à Bascule\nMouton à Bascule undertakes to supply the building and its accessories, as described in the description received at the time of reservation and to respect the obligations resulting from this contract.\nAny complaint relating to a service must be sent to us within 3 days of entering the premises.\nThe renunciation of the tenant to one or more services included in the package cannot be the subject of any reimbursement unless a prior agreement is made and in which case we will make it appear in the said contract.\nThis contract is established for a maximum capacity of:\n- 14 people for the Chalet Orso (that is 13 adults, 1 child (under 10 years old) and a cot).\n- 14 people for Chalet Orca (i.e. 12 adults, 2 children (under 14 years old) and the possibility of adding a cot).\nAimed at the particular conditions of the rental contract. The number of occupants must in no case exceed the maximum capacity.\nIn the event of unauthorised overflow, we may refuse to allow excess persons to occupy the premises.\nOur two Orca & Orso Chalets are both equipped with swimming pools, each with a safety system that complies with current standards.\nA user and/or explanatory manual is given to the tenant who acknowledges it.\nIn the event of non-payment on the due dates or failure to comply with any clause of this undertaking, and eight days after formal notice has been given but has remained unsuccessful, we may demand the immediate termination of this agreement and the lessee must leave the rented premises by simple order of the judge in chambers.\nAutomatic data collection and freedoms\nThe information collected is subject to automated or computerized processing for the implementation of this contract.\nIn accordance with the law of January 6, 1978, the taker has a right of access and rectification to be formulated with the owner, responsible for the treatment. The modalities of implementation will be fixed by mutual agreement.\nValue of the translation\nThis mandate is drawn up in French and translated into English for the benefit of English-speaking clients. Despite all precautions, in the event of a discrepancy resulting from the translation, the parties agree that the French language version shall prevail.", "domain": "finance"}
{"url": "http://www.promotionalcurrency.com/promotional-risk-coverage.php", "date": "2013-12-11T06:28:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164032243/warc/CC-MAIN-20131204133352-00036-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9543578624725342, "token_count": 550, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__187137810", "lang": "en", "text": "Promotional Risk CoverageThe Promotional Strategy That Allows You to Give Away Millions\nThe strategy behind marketing promotions, which include promotional risk coverage, is simple. It enables companies to differentiate brands in a very competitive market. Promotional risk coverage could provide your company with the means to give away millions in cash or large prizes. Your prize offerings are based on the odds of a winner claiming the prize. As long as your promotional strategy does not include a guaranteed prize offering as the only prize, your company can include promotional risk coverage with the promotion.\nPromotional risk coverage can be found in promotions like you see on television, hear on the radio, read in newspapers or magazines, and see online or in internet promotions. They offer the consumer a chance to win,\nand when there is a winner, your company is protected against having to pay the winner. Much like you insure your car from an accident or your home from a natural disaster, you can cover your promotion against a risk associated with the liabilities of giving away large valued prize amounts. The cost of promotional risk is minimal, literally a fraction of the prize value, and is based on the promotional odds, the prize value, and the number of chances given to win the promotion - allowing you to deliver a huge incentive at a fixed cost that will never blow your budget.\nPromotional risk covered promotions open up possibilities to offer larger prizes than most companies can afford, or would want to take promotional risk on. These large prizes are proven to increase registrations of online users, traffic in stores, and sales at any given time. Strategies including promotional risk coverage also build large brands through consumer loyalty. Everyone appreciates winning something, people enjoy watching others win, and everyone remembers who was offering the big prize.\nProtect your company from promotional risk.\nPromotional Currency's proprietary promotional risk coverage service is a powerful tool that enables you to super-size your promotional programs.\nAlong with incorporating promotional risk coverage into all of their digital incentive product offerings, they help businesses manage their risk on redemption-based promotions. By analyzing the odds of redemption and then placing the risk with an A+ insurance company, Promotional Currency can provide your brand with a fixed-cost solution that amounts to a fraction of the actual promotional value. And should over-redemption occur, Promotional Currency will cover the cost - whatever the value of the prize, rebate, coupon or premium.\n- Offer High-Value Incentive for Fraction of Retail Cost\n- Receive Fixed-Cost Solution that Ensures Budget Certainty\n- Protect Your Company from Over-Redemption Expenses\n- Eliminate Promotional Liability from Your Books\nPromotional Risk Coverage • Over Redemption Coverage • Promotional Risk Mitigation", "domain": "finance"}
{"url": "https://technicallyeclectic.com/return-policy", "date": "2021-10-21T15:14:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585424.97/warc/CC-MAIN-20211021133500-20211021163500-00079.warc.gz", "language_score": 0.9066771268844604, "token_count": 120, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__161591744", "lang": "en", "text": "CANCELLATIONS, REFUNDS & RETURNS\nIf you wish to cancel your order, return any items, or receive a refund, contact email@example.com. You will receive more information where and how to return physical items. Digital item sales are final and not returnable or refundable.\nUpon determining that you are entitled to a cancellation/refund pursuant to this policy, the Company will promptly issue an instruction to its payment processor to issue the refund. The Company does not control its payment processor and will not be able to expedite any refunds.", "domain": "finance"}
{"url": "https://reclaimpridenyc.org/donate/", "date": "2019-08-21T13:31:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027316021.66/warc/CC-MAIN-20190821131745-20190821153745-00048.warc.gz", "language_score": 0.8880364298820496, "token_count": 281, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__57894747", "lang": "en", "text": "Donate to Reclaim Pride Coalition\nReclaim Pride Coalition is an all volunteer organization, and any donation goes directly to helping us achieve our goals. Our fiscal sponsor is Housing Works, a New York City based non-profit fighting the twin crises of AIDS and homelessness. All donations — whether made online or by check — are fully tax-deductible.\nTo donate with a credit card, please use our page on the Housing Works website.\nTo donate with a check, please make checks payable to Housing Works, note Reclaim Pride Coalition on the memo line, and send to\nAttn: Eric Douglas\n57 Willoughby Street, 2nd Fl.\nBrooklyn, NY 11201\nWe accept cash donations at our meetings, every Wednesday at 7pm. Information about our next meeting is here.\nIf you would like to support us by holding a fundraiser, please email firstname.lastname@example.org.\nIf you can make an in-kind donation, or might be able to support us in other ways, please email email@example.com. Currently we are looking for the following:\ncatering for volunteers\nIf you have any questions about making your donation, or any suggestions for expanding our fundraising efforts, please send an email to firstname.lastname@example.org. All correspondence will be confidential.", "domain": "finance"}
{"url": "https://www.bondsolicitors.com/monica-bond", "date": "2023-10-02T08:06:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510983.45/warc/CC-MAIN-20231002064957-20231002094957-00206.warc.gz", "language_score": 0.9627099633216858, "token_count": 698, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__168074299", "lang": "en", "text": "Monica Bond is Principal of Bond Solicitors.\nMonica has a unique combination of skills and experience. She is both an experienced solicitor with more than 13 years in practice and an experienced accountant with over 20 years in professional practice. In all, she has been in commerce or professional practice for over 30 years.\nMonica's particular specialisms have been in Anti-Money Laundering, fraud investigations and recoveries and commercial litigation. In addition to being Principal of Bond Solicitors she is also Managing Director of Bond Associates Limited, a firm of Investigative Accountants.\nThe following are just a few highlights from a long and varied professional career:-\n♦ Since 1988, Monica has been involved in some of the major fraud investigations that have taken place in the UK. In the 1990s she was involved in the investigations into Polly Peck, BCCI, Banco Ambrosiano and John Palmer (Goldfinger). Within her own businesses she has been involved in banking fraud investigations at GE Capital in Prague, the recovery of £5 million defrauded from an individual in a Prime Bank Instrument Fraud and a £13 million fraud on bond holders.\n♦ In 1994, Monica, whilst she was Forensic Services Partner at Grant Thornton, was the author of the Accountants Digest on Money Laundering published by the Institute of Chartered Accountants. Since that time she has become a leading expert on anti-money laundering policy and procedures. She has lectured throughout the world, particularly in South America where she lectured on behalf of the US Treasury and more recently in the Middle East and Asia.\n♦ In 2004, Monica conducted a risk review of procedures at the London Branch of a Spanish Bank, which resulted in putting in place their whole anti-money laundering system and developing risk models for both fraud and money laundering risks.\n♦ Monica has acted as an expert witness/expert advisor in a wide variety of matters including,:-\n• Court Expert Witness on the largest criminal asset confiscation case prosecuted by the DTI (2004)\n• Expert advisor in Divorce case involving £20 million of disputed assets (2005-2007)\n• Expert witness in an asset valuation case of UK on-shore gas fields valued at over £200m (2007)\n• Expert advisor in litigation against former directors of a regulated insurance company where fraud is alleged.(2008-2009)\n• Expert advisor in an intellectual property and investment fraud involving a formation agent. Legal areas covered fraud and professional negligence (2005-2008)\n• Expert advisor in a procurement fraud where breach of contract was also alleged. The case culminated in criminal conviction followed by an £8.1 million recovery (2006-2009). The case is regarded as a leading case and can be viewed on this link.\n♦ In the area of Commercial Litigation, Monica was responsible in 2007 for obtaining £225,000 in damages for pre-contract misrepresentations in a franchise contract. This is one illustration of many which could be given where she has achieved successful results for clients.\nProfessional and Academic Qualifications\n♦ Solicitor of the Supreme Court (2001)\n♦ Chartered Accountant in Public Practice (1992)\n♦ Fellow of the Institute of Chartered Secretaries and Administrators (1979)\n♦ Certified Fraud Examiner (1999)\n♦ Member of the Academy of Experts (1997)\n♦ Law Graduate LLB London (1984)\n♦ English Graduate BA Hons (1971)", "domain": "finance"}
{"url": "https://community.360insights.com/t5/Yokohama-Support/My-model-number-is-on-the-invoice-why-is-it-on-hold/td-p/1444", "date": "2020-01-22T20:47:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250607407.48/warc/CC-MAIN-20200122191620-20200122220620-00386.warc.gz", "language_score": 0.9422357678413391, "token_count": 139, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__63260986", "lang": "en", "text": "My model number is on the invoice, why is it on hold?\nThis means that your rebate application is temporarily on hold as the model number is not on the purchase invoice. If the model number is on the purchase invoice that has been submitted, please confirm that the correct model number was submitted. To do this please visit www.yokohamatirerebates.com and use the \"Check Existing Claim\" option.\nIf you find that the model number on the purchase invoice does not match the model number on the rebate application please contact our Yokohama Consumer Rebate Team at firstname.lastname@example.org for further assistance.", "domain": "finance"}
{"url": "http://sfbacct.com/fees-and-insurance/", "date": "2020-10-28T03:10:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107896048.53/warc/CC-MAIN-20201028014458-20201028044458-00448.warc.gz", "language_score": 0.9172658920288086, "token_count": 302, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__113994799", "lang": "en", "text": "Fees and Insurance\nat the San Francisco Bay Area Center for Cognitive Therapy\nOur fees at the SFBACCT range from $200 to $250. Please note that we do not take payments directly from insurance companies. However, our services may be eligible for full or partial reimbursement as part of your out-of-network benefits. To facilitate out-of-network claims, we will provide you with a monthly Superbill that includes all the information necessary to submit for reimbursement to your insurance company.\nTo learn more about your out-of-network coverage for psychotherapy, contact your insurance company and ask the following questions:\n- How much coverage is available for out-of-network providers? For example, does the insurance company reimburse the full fee or a portion of the full fee?\n- What is the deductible (the amount you must pay first before you are eligible for reimbursement of fees)?\n- Does the insurance company limit the total number of visits or sessions per calendar year? If yes, what is the total number of sessions per calendar year?\n- Does the insurance company limit the total amount reimbursed per session? If so, ask how much they reimburse for the following CPT Codes, otherwise known as a procedure codes:\n- 90791 (first evaluation or consultation appointment)\n- 90834 (typical 45-minute session)\n- 90837 (an extended session of 60-minutes; note that many companies will not reimburse this code).", "domain": "finance"}
{"url": "https://www.cynthiafowler.net/blog/category/new-construction-in-dfw", "date": "2023-02-06T16:03:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500356.92/warc/CC-MAIN-20230206145603-20230206175603-00576.warc.gz", "language_score": 0.9635409712791443, "token_count": 2763, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__278867178", "lang": "en", "text": "Rising mortgage rates are starting to take their toll on the nation's homebuilders, who are more concerned about affordability heading into the all-important spring housing market as mortgage rates surge.\nBuilders' sales expectations for the next six months declined a steep 10 points to 70, according to the National Association of Home Builders/Wells Fargo Housing Market Index. The index doesn't often see such large monthly moves. Builders' view of current sales conditions fell 3 points to 86.\nOverall, builder sentiment in the market for single-family homes dropped 2 points to 79 in March. February's read was also revised lower. Last March it stood at 82. This is the fourth straight monthly decline and the first time the index has slipped below 80 since last September, when the delta variant of Covid-19 was spreading. Anything above 50 is considered positive sentiment. Overall sentiment is still good, but there are concerns for later this year.\nDallas-Fort Worth new home sales and median prices are running at record levels, but a disrupted material supply chain and limited construction labor pool are causing it to take longer to get houses built and closed. North Texas homebuilders initiated housing starts on 14,216 units in the most recent quarter, eclipsing the third-quarter 2020 pace by 1,277 units and up 9.9% year over year, according to statistics released today by Dallas-based Residential Strategies Inc. The annual start rate, which includes the fourth quarter of 2020 through third-quarter 2021, has now climbed to 58,625 units — up 35% year over year, according to the housing market analyst.\n\"Even with higher prices there continues to be solid demand for new houses,\" said Ted Wilson, principal with Residential Strategies. \"The biggest challenge for builders today is that, with limited construction labor and a disrupted material supply chain, it is taking much longer to get houses built and closed.\" Despite the delays, builders set a record for closings in the most recent quarter at 11,985 units, up 3.5% year-over-year. The annual closing rate stands at 45,574 units, up 13.7% year over year.\nThe cost and shortage of construction labor has been problematic for builders, said Cassie Gibson, Residential Strategies' senior vice president. Lumber future prices peaked in May 2021 and have subsided since, but supply chain issues persist for many other components used in housing construction, causing higher prices to persist for builders as they determine their true input costs, Gibson said.\nNew home demand in North Texas has soared over the last year and a half because of a shortage of existing homes and surplus of people moving to the area.\nSome potential buyers are understandably skittish about making a move. A North Texas builder is hoping to assuage consumers' fears by offering a mortgage payment protection plan. Megatel Homes is agreeing to pay up to six months of mortgage payments if a new homeowner loses his or her job after the purchase. \"People coming into our model homes were evading purchase now because they could lose their jobs,\" Megatel co-founder Zach Ipour said. \"That's a concern of lot of people have that currently have a job – what if they get laid off three months down the road?\" To make buyers more comfortable, Megatel is offering to cover the mortgage payments if the customer's job goes away. The program is available for houses in the company's completed inventory. He said the program, which has been quietly rolled out, has already boosted sales.\nMegatel is also offering paying six months of new mortgages for health care workers and first responders.\nOver 12,000 people already work in Cypress Waters – will double over the next two years\nThe booming Cypress Waters development northwest of Dallas adjoining Coppell has landed four more major office tenants. The 1,000 acre development at LBJ Freeway and Belt Line Road is already home to more than 12,000 office workers. \"We are very excited to have four new tenants join our Cypress Waters community during this time,\" said Lucy Burns, Partner at developer Billingsley Company. \"We have numerous other leases soon to be announced as well. We are thankful to see this type of positive momentum in times like these. Our property teams have been working tirelessly to prepare our buildings for re-entry.\" The newest tenants are Goosehead Insurance, Artisan Design Group, Northstar Builders Group and Robert Half. Cypress Waters is already home to companies including 7-Eleven, CorelOgic, Nokia, Brinker International, Nationstar Mortgage, Toyota Industries Finance, BT America and Constellation Brands.\nThe Cambridge Crossing community just west of the Dallas North Tollway will include 1,600 homes\nDevelopers have opened the first phase of a new residential community in Dallas' far northern suburbs. The Cambridge Cos. is building the $1 billion, 639 acre Cambridge Crossing community just west of the Dallas North Tollway in Celina. The project will include about 1,600 homes plus mixed-use, office and retail. The first phase that opened up includes 330 home sites priced starting in the low 300,000s. Builders in the project include Coventry Homes, Highland Homes, Perry Homes and UnionMain Homes. Model homes in the community are already under construction. Cambridge Crossing will have a 6,700 square foot clubhouse for residents that will be built starting this summer. The community has five lakes and will have 89 acres of open space.\n2019 was the best year for North Texas home starts since the Great Recession. North Texas homebuilders hit the ground running with new construction in the final months of 2019, starting almost 22% more homes than a year before. Builders began work on almost 8,900 houses in October, November and December – the strongest fourth-quarter construction total in more than a decade, according to data from Dallas-based housing analyst Residential Strategies Inc. \"Lower mortgage rates energized the North Texas housing market in the second half of 2019,\" Residential Strategies principal Ted Wilson said in a new report. \"Our builder clients reported unseasonably strong sales in the fourth quarter, many sharing that October and November were some of the strongest sales months of the year.\" The year-end construction blitz was enough to push D-FW home starts for the year to 35,884 units — up about 2% compared with 2018 to the highest level since the Great Recession. \"Usually you get a pop in sales in the spring,\" Wilson said. \"It was pretty dreary back then, and it wasn't until July when the rates declined [that] things started to improve. \"It was a great third quarter and an even greater fourth quarter, and builders are going into the New Year with a lot of momentum.\"\nThe U.S. is short more than 2 million homes as building activity still lags.\nNationwide home mortgage rates are near record lows. Employment rates are near record highs. And demand for housing is strong in most U.S. metro areas. You'd think homebuilding would be booming. But you'd be wrong. Single-family home construction across the country and in North Texas is nowhere close to reaching the levels we saw before the Great Recession. And homebuilding is likely to lag demand through the next three years, according to a new report by Zillow.\nThe real estate marketing firm and Pulsenomics surveyed economists, investment strategists and real estate professionals who said that home construction will remain below historic averages through at least 2022. Zillow estimates that nationwide homebuilding has lagged by more than 2 million houses during the last decade. In the Dallas-Fort Worth area, we're short more than 40,000 homes from where we would have been if builders could have kept up with demand.\n\"Without new homes to meet population growth and replace an aging housing stock, homebuying is expected to move further out of reach,\" Zillow director of economic research Skylar Olsen said in the report. Zillow's findings are in line with what the National Association of Home Builders has been warning for the last few years — that builders can't produce enough houses.\nIn North Texas, the country's busiest homebuilding market, production for this cycle may have already peaked. Home starts in the area are down about 2,000 units this year from last year's peak, according to data from Residential Strategies. While homebuilding activity may catch up a bit, don't expect a D-FW building surge, Residential Strategies principal Ted Wilson said. \"Even with the ultra-low mortgage rates restimulating the housing market, we are forecasting a similar flat market through 2020,\" Wilson said. \"While the underlying demographics for D-FW remain very favorable, housing affordability continues to be the primary factor that controls for-sale housing growth.\" In other words, not enough North Texas buyers can afford the new homes builders are able to construct.\n- Dallas Morning News, September 13, 2019\nBut in Texas and the South, Up 4.9%\nSales of new U.S. homes slumped 7.8% in May, as sales plunged in the pricier Northeastern and Western markets. The Commerce Department said Tuesday that new homes sold at a seasonally adjusted annual rate of 626,000 in May, down from 679,000 in April. During the first five months of the year, purchases of new homes have fallen 3.7% compared to the same period in 2018. Lower mortgage rates and a healthy job market have yet to unleash more home-buying. Sales of new homes plummeted 35.9% in the West and 17.6% in the Northeast. New-home sales rose 4.9% in the South and 6.3% in the Midwest, which are generally more affordable markets.\nEast-West Line thru Plano, Richardson, North Dallas, Addison, Carrollton, Coppell, Cypress Waters, DFW Airport\nCompletion Date – December 22, 2022\nTrains every 20 minutes\nThe final approved DART Cotton Belt Line from Plano to DFW Airport\nThe Dallas Area Rapid Transit board on Tuesday approved $872 million to build its first east-west commuter rail line — the Cotton Belt — even though it doesn't have the actual cash quite yet. DART leaders met with the Build America Bureau in Washington, D.C., last week to confirm that the federal loan that will finance a 26-mile route connecting Plano, Richardson, Addison, North Dallas and DFW International Airport is expected to close Dec. 20. Within the next few weeks, DART expects to be issued a notice to move forward on the project with its design-build partner, Archer Western Herzog 4.0, which was unanimously awarded an $815 million contract Tuesday night, contingent on the federal loan. The contract will run through Dec. 28, 2022, the anticipated completion date.\nIt also kept the door open for the board to decide next month whether to spend an additional $90 million to $120 million to add a second track along the line, something the board listed as a preference. \"We've discussed the double-track subject for a couple of years,\" board member Paul Wageman said. \"We're going to have significant savings over what we thought the finance costs were on this.\" Cotton Belt was budgeted as a $1.1 billion project.\nAbout half of the project, including the nine rail stations, is double-tracked as currently bid. Though plans are for Cotton Belt to debut as an every-30-minute service, the contract also calls for three more miles to be double-tracked. That would enable enough two-way passing opportunities to allow runs every 20 minutes. If it doesn't fully double-track the line, the board also has the option to spend $27 million to add a second track to a three-mile area of Far North Dallas, where grade levels and four bridge crossings pose a challenge.\nThe contract already includes $32 million in \"betterments\" for neighborhoods lining the route, providing for sound walls, rubber chips to minimize track vibration and other amenities. The first six to eight months, according to staff presentations, will focus on design of the project. The first signs of progress on the ground will be utility relocation and foundation work for bridges.\nThe Cotton Belt will also connect to DART's existing light rail system at stops in Carrollton, Plano and Richardson. But it will be a commuter rail line, similar to the Trinity River Express, which DART co-owns with Fort Worth's Trinity Metro and connects downtown Dallas and Fort Worth.\nThe massive $1.1 Billion DART Cotton Belt Line is scheduled to start construction in less than one year with a completion and operational date of December 2022. The line will begin on Shiloh Road in Plano and travel through Plano, Richardson, Addison, Carrollton, Dallas, Coppell and Grapevine, with its final destination at DFW International Airport. Along the way it will reach hundreds of thousands of workers in various office parks and connect with the Red Line, the Green Line and reach DFW Airport and the Orange Line. Some of the major features and changes.\nThe next and nearing the final DART hearing for resident input on the Cotton Belt is March 27th, 6:30 pm, at DART headquarters downtown. After that there will be a 45-day period for public input after the federal government releases its final environmental study. From there, the plans are set and DART will move to construction.", "domain": "finance"}
{"url": "http://www.onhairstylists.ca/tax-time/", "date": "2022-09-25T21:30:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334596.27/warc/CC-MAIN-20220925193816-20220925223816-00343.warc.gz", "language_score": 0.9526602625846863, "token_count": 1201, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__173252573", "lang": "en", "text": "It’s tax time again and people working in our industry may have special deductions and reporting requirements. The good folks at the Canadian Revenue Agency have prepared this helpful document to assist hairstylists and Salon owners as they prepare their 2014 tax returns.\n(Please remember we’re sharing this info but we at the OHSA are not tax experts. Please refer any questions to your accountant or the Canadian Revenue Agency.)\nGetting your taxes done is as easy as wash, rinse, repeat!\nThe faux hawk, the pixie cut, and the blunt bob—as a hairstylist, you need to know how to do it all, while maintaining high standards and staying on-trend with the latest techniques and the newest products. You’ve built up your reputation and developed an impressive clientele (who you inadvertently play occasional therapist to—no extra charge for listening like an understanding friend). You’re on your feet all day and your work schedule is demanding; but you love it because making people look great is your calling! You have style savvy, but do you have the know-how to claim your expenses and tax credits?\nWhether you are paid a salary or paid by commission, you are considered an employee if you are on the salon’s payroll. As an employee, you may be able to deduct the cost of supplies you bought (like your go-to finishing spray), as long as you need it for work. To find out more about deducting employment expenses, go to www.cra.gc.ca/employmentexpenses.\nYou may also be able to deduct the cost of eligible tools (including that new straightening iron all your clients are raving about!) under the tradesperson’s tools deduction, a non-refundable tax credit of up to $500. You will need your employer to certify the tools were bought by you, for you, to be used directly in your work, to claim the deduction. For more information on deducting the cost of eligible tools, go to www.cra.gc.ca/trades.\nAs a hairstylist, part of your income comes from tips and gratuities. Clarify with your employer whether any or all of the tips you earn will be included on your T4 slip. Even if your T4 slip does not show your income from tips, it is your responsibility to keep track of these earnings and report them on line 104 of your income tax and benefit return.\nSelf-employment in the industry can mean different things: renting a chair, providing mobile on-site services, working from home, or owning your own salon. Generally, you can deduct any reasonable business expense you incurred or will have to pay to earn business income, such as chair rental fees or supplies and equipment like hair colour, blow dryers, and scissors. If the salon is in your home, a proportionate amount of your household expenses, such as heating and insurance, can also be deducted. For more information, go to www.cra.gc.ca/selfemployed, and select “Business expenses.”\nIn addition, if your business hires an eligible Red Seal apprentice hairstylist, you may qualify to claim the apprenticeship job creation tax credit. This non-refundable investment tax credit is equal to the lesser of $2,000 or 10% of the eligible apprentice salaries or wages. Don’t need to apply the whole credit amount this year? Carry it back three years or carry it forward for up to 20 years! For more information on the apprenticeship job creation tax credit and other investment tax credits, visit www.cra.gc.ca/smallbusiness and select “Investment tax credit.” For information on the 57 designated Red Seal trades, including hairstylists, visit www.red-seal.ca.\nPart of owning a salon also means ensuring the proper employee contributions, premiums, and tax amounts are properly deducted and remitted to the Canada Revenue Agency (CRA), along with your own employer contributions and premiums. You will find more information on this topic at www.cra.gc.ca/payroll, by searching the payroll topics alphabetically for “Barbers and hairdressers.” Also take a look at the proposed Small Business Job Credit which helps small businesses by lowering their Employment Insurance (EI) premiums. More information can be found at www.cra.gc.ca.\nThe deadline to file your personal income tax and benefit return is April 30, 2015. If you, your spouse, or common-law partner is self-employed, the deadline to file is June 15, 2015. BUT, if you’re self-employed and have a balance owing for 2014, you still have to pay it on or before April 30, 2015.\nFiling electronically with NETFILE is easy, secure, and lets the CRA process your return much quicker. If you’re entitled to a refund, you can enjoy your money in as little as eight business days, by combining online filing with direct deposit—”shear” genius! For a list of software and web service options, including those that are free of charge, go to www.netfile.gc.ca/software.\nWhile you are visiting the CRA’s website, be sure to sign up for My Account. You’ll be able to track the progress of your refund, make a payment, change your address, check your benefit and credit payments and your registered retirement savings plan limit, set up direct deposit, and so much more!\nTo take advantage of this and other CRA electronic services go to www.cra.gc.ca/electronicservices to learn more.\nDon’t miss the latest CRA news or tax tips on Twitter @CanRevAgency", "domain": "finance"}
{"url": "https://stockstobuynow.net/top-technology-stocks-top-tech-stocks-to-watch-for-2019/", "date": "2024-02-25T23:02:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474643.29/warc/CC-MAIN-20240225203035-20240225233035-00265.warc.gz", "language_score": 0.9470890760421753, "token_count": 2946, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__52649554", "lang": "en", "text": "Top Technology Stocks – Top Tech Stocks to Watch for April 2019\nThe technology sector features stocks related to developing and distributing technologically based goods and services. This sector contains businesses that manufacture electronics, create software, and provide computers or products and services relating to information technology. The Top Tech Stocks to watch often drive overall market activity.\nThe Information Technology Sector is central to the nation’s security, economy, and public health and safety. Businesses, governments, academia, and private citizens are increasingly dependent upon Information Technology Sector functions. These functions include hardware, software, and information technology systems and services. Below are Top Tech Stocks to watch in April and May 2019…\nWhat are FANG Stocks?\nFANG is the acronym for four technology stocks – Facebook, Amazon, Netflix and Google (now Alphabet, Inc.). These four stocks are high performing and very popular since CNBC’s Mad Money host Jim Cramer first used the term in February 2013:\n“Put money to work in the companies that represent the future. Put money to work in companies that are totally dominant in their markets, and put money to work in stocks that have serious momentum.” Jim Cramer, CNBC Mad Money\nThe group of FANG stocks are top tech stocks to watch and follow. FANG stocks cannot be ignored when considering an investment in the technology sector. Each of the FANG stocks are large cap stocks that focus on technology and internet services. They are also considered growth stocks due to the continued emergence of technological devices like cloud storage devices, big data, e-commerce tools and social media. Most prominent hedge fund managers have FANGs in their portfolios. The stocks were included as growth and momentum stocks by reputable funds like Berkshire, Soros, Renaissance and Citadel in the first quarter of 2017.\nFANG stocks reached record valuations during the Bull Run in 2018. Amazon became a trillion dollar company and Alphabet’s shares reached a record high of $1,238.50 during the third week of August. In the third week of June. Netflix saw a high of $411.09 in its stock price and Facebook reached a record of $209.94 in its stock price a month later.\nBut valuations for all four companies were among those hardest hit during a November market crash. Facebook and Google are caught up in regulatory and privacy problems while Amazon reported an earnings miss in the first quarter of 2019. Netflix increased the number of subscribers on its platform but that increase came at a cost to its overall earnings.\nWhat are FAANG Stocks?\nWhen Jim Cramer coined the term FANG in February of 2013, he did not include Apple Inc. Apple has since been added to the group and the acronym has been modified from FANG to FAANG. Here are the five tech stocks to watch that make up the FAANG Group:\n#1 Facebook (FB) – Top Tech Stocks to Watch:\nFacebook, Inc. (FB) is an online social media and social networking service company founded in 2004. The company’s primary business is the social network of the same name which currently lists more than two billion active users around the world.\nThe company incorporated on July 29, 2004, is focused on building products that enable people to connect and share through mobile devices, personal computers and other surfaces. Facebook enables people to discover and learn about what is going on in the world around them. People can share their opinions, ideas, photos and videos, and other activities with audiences ranging from their friends to the public. Users can then stay connected by accessing more of the company’s products. The Company’s products include Facebook, Instagram, Messenger, WhatsApp and Oculus. Facebook also engages in selling advertising placements to marketers. Its advertisements let marketers reach people based on a range of factors, including age, gender, location, interests and behaviors. Marketers purchase advertisements that can appear in multiple places, including on Facebook, Instagram, and third-party applications and Websites.\n#2 Amazon Inc (AMZN) – Top Tech Stocks to Watch:\nAmazon is a diversified technology company operating in e-commerce, consumer electronics, and cloud computing industries. The company was founded in 1994 as an online bookstore. Now, Amazon is the largest e-commerce retailer in terms of market capitalization. The company owns several subsidiaries, including Twitch (live streaming platform) and Whole Foods Market (chain of supermarkets).\nAmazon.com, Inc. incorporated on May 28, 1996. The company offers a range of products and services through its Websites. Amazon operates through three segments: North America, International and Amazon Web Services (AWS). The Company’s products include merchandise and content that it purchases for resale from vendors and those offered by third-party sellers. It also manufactures and sells electronic devices – Kindle devices are a notable example. Amazon Inc, through its subsidiary, Whole Foods Market, Inc., offers healthy and organic food and staples across its stores. The Company also offers a range of products that target responsible agriculture like whole trade bananas, organic large brown eggs, responsibly-farmed salmon and tilapia, organic fruits and vegetables,and animal-welfare-rated beef and meat products.\n#3 Apple Inc. (AAPL) – Top Tech Stocks to Watch:\nApple Inc is a technology company involved in the design and manufacturing of consumer electronics and computer software, as well as a provider of online services. Founded in 1976, Apple is the oldest company in the FAANG stocks group. Apple was initially successful in producing computers, laptops, and computer software. But, real breakthrough for the company occurred after 2007 with the introduction of its new mobile devices such as the iPhone and iPad. Today, Apple is the largest IT company in the world. On August 2, 2018, it became the first U.S. company with a market capitalization of over $1 trillion. Presently, Apple is the most profitable company in the FAANG stocks group.\nApple Inc. incorporated on January 3, 1977. The company designs, manufactures and markets mobile communication and media devices, personal computers and portable digital music players. The Company sells a range of related software, services, accessories, networking solutions and third-party digital content and applications. Apple’s’s segments include the Americas, Europe, Greater China, Japan and Rest of Asia Pacific. The Company sells and delivers digital content and applications through the iTunes Store, App Store, Mac App Store, television APP Store, iBooks Store and Apple Music (collectively Internet Services). Apple Inc sells its products through its retail stores, online stores and direct sales force through third-party cellular network carriers, wholesalers, retailers and value-added resellers. The Company sells a range of third-party Apple compatible products, including application software and accessories through its retail and online stores. Apple Inc sells to consumers, small and mid-sized businesses and education, enterprise and government customers.\n#4 Netflix Inc. (NFLX) – Top Tech Stocks to Watch:\nNetflix is a media provider that delivers subscription-based online streaming of films and TV shows. Recently, the company entered the content production industry, producing its own movies and TV shows. Founded in 1997, Netflix is the smallest company in the FAANG stocks group in terms of market capitalization (around $150 billion), revenues ($11 billion), and net income (above $550 million)\nNetflix, Inc., incorporated on August 29, 1997, is a provider an Internet television network. The Company operates through three segments: Domestic streaming, International streaming and Domestic DVD. The Domestic streaming segment includes services that streams content to its members in the United States. The International streaming segment includes services that streams content to its members outside the United States. The Domestic DVD segment includes services, such as digital optical disc (DVD)-by-mail.\nThe Company’s members can watch original series, documentaries, feature films, as well as television shows and movies directly on their Internet-connected screen, televisions, computers and mobile devices. Netflix offers its streaming services both domestically and internationally. In the United States, its members can receive DVDs delivered to their homes. The Company has members streaming in over 190 countries.\n#5 Google (Alphabet) – Top Tech Stocks to Watch:\nAlphabet Inc. is the parent company of Google. The company owns two classes of shares traded publicly. Class A shares (Ticker: GOOGL) provide the owner with voting rights, while class C shares (Ticker: GOOG) do not provide any voting rights. Google LLC is the largest subsidiary of Alphabet. It is a well-diversified company that provides various online services and designs and manufactures consumer electronics and software. Google offers a wide variety of online services, including a search engine of the same name, email services (Gmail), office software (Google Docs, Sheets, and Slides), video streaming service (YouTube), etc. In addition, the company developed a mobile operating system called Android that is installed in the majority of today’s smartphones. The company also produces consumer electronics such as laptop Chromebook, smartphone Pixel, and Google Home voice assistant.\nAlphabet Inc., incorporated on July 23, 2015, is a holding company. The Company’s businesses include Google Inc. (Google) and its Internet products, such as Access, Calico, CapitalG, GV, Nest, Verily, Waymo and X. The Company’s segments include Google and Other Bets. The Google segment includes its Internet products, such as Search, Ads, Commerce, Maps, YouTube, Google Cloud, Android, Chrome and Google Play, as well as its hardware initiatives. The Google segment is engaged in advertising, sales of digital content, applications and cloud offerings, and sales of hardware products. The Other Bets segment is engaged in the sales of Internet and television services through Google Fiber, sales of Nest products and services, and licensing and research and development (R&D) services through Verily.\nGoogle is engaged in investing in infrastructure, data management, analytics and artificial intelligence (AI). The Company offers Google Assistant, which allows users to type or talk with Google in a natural conversational way to help them get things done; Google Maps, which helps users navigate to a store while showing them current traffic conditions, and Google Photos, which helps users store and organize all of their photos. The Company invests in platforms, such as Chrome browser, Android mobile operating system, Chrome operating system and Daydream virtual reality platform, as well as its hardware devices, such as the Pixel phone and Google Home.\nThe Company provides advertisers with tools that help them attribute and measure their advertising campaigns across screens. Its advertising solutions help a range of companies grow their businesses, and it offers a range of products across screens and devices. For performance advertisers, AdWords, its primary auction-based advertising program, helps create text-based advertisements that appear on Google properties and the properties of Google Network Members. In addition, Google Network Members use its AdSense program to display relevant advertisements on their properties, generating revenues when site visitors view or click on the advertisements. The Company also offers advertisement technology platform for brand advertisers, agencies, and publishers to help their digital marketing businesses.\nTechnology Stocks List for April 2019:\nNXP Semiconductors (NXPI)\nNXP provides high performance mixed signal and standard product solutions for automotive, personal security and identification, wireless and wireline infrastructure, mobile communications, multi-market industrial, consumer and computing. NXP’s chips are industry leaders in areas like connected cars, the iternet of things and cybersecurity. NXPI stock reached $125 per share in 2018 as Qualcomm (QCOM) was slated to acquire the company. After China failed to approve Qualcomm’s bid, NXPI shares plunged. Regardless, there’s something to be said for a company with a stranglehold on high-growth markets trading at just 13 times earnings, and that makes NXPI one of the best tech stocks to buy for 2019.\nStoneCo is a young, relatively small Brazilian financial tech company fresh off an initial public offering. StoneCo’s early backers include Berkshire Hathaway (BRK.A, BRK.B), Alibaba’s Ant Financial, 3G Capital and the Walton heirs. That’s a pretty impressive list of initial capital investors. StoneCo provides point-of-sale hardware, software and digital payments solutions to merchants. Growth is dramatic, with revenue soaring 92 percent and adjusted profits surging 425 percent in the first half of 2018.\nAdobe is the leading provider of creative software. It has regularly been one of the best large-cap growth stocks for the past decade. It still registers as one of the best tech stocks to buy for 2019. Revenue is up 24 percent and profits are up 61 percent in the first nine months of 2018. Adobe’s most convincing advantage is its massive moat: a suite of creative software – including Photoshop, Illustrator, Premiere, InDesign, Dreamweaver and others. It has a cloud-based subscription business model driving a strong stream of recurring revenue.\nIQiyi is China’s leading video-streaming platform. IQ is seeing rapid growth, with revenue rising almost 50% and a subscriber base approaching 100 million. Ninety-eight percent of users are paying subscribers, with consumers flocking to iQiyi’s for its self-produced content. IQ is still unprofitable, focusing heavily on content investments to grow market share. Majority owner Baidu can well afford to fund IQ’s strategic growth as iQiyi’s expansion continues into 2019.\nSymantec Corporation (SYMC)\nSymantec is a global provider of cybersecurity products, services and solutions. The company was founded in the early ’80s and has a market cap of $13.95 billion. It operates through two divisions: consumer digital safety and enterprise security. It owns the popular anti-virus brand Norton. Symantec’s enterprise business contributes most of the company’s revenue, while the consumer segment drives the most profit.\nHigh Yield Dividend Stocks\nAre you interested in high Yield Dividend Stocks? Check out the Top 5 Dividend Stocks to Buy…", "domain": "finance"}
{"url": "https://www.whbusinesslawyers.com/practice-areas/securities-litigation/", "date": "2020-03-31T00:55:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370499280.44/warc/CC-MAIN-20200331003537-20200331033537-00230.warc.gz", "language_score": 0.9649835228919983, "token_count": 414, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__177149795", "lang": "en", "text": "When you hire a securities and investment firm to handle your investments and savings, you have a reasonable expectation that the company or individual will act in good faith to protect your money and deliver the service that you signed up for. The actions of a dishonest investment adviser or stockbroker can be enough to cause irreparable harm to your investments, your financial security, and your future. As devastating as it can be when your investments take a hit, it is important to remember that investors are protected under a range of state and federal trade laws. As such, there is a good chance you will be able to take legal action against whoever is found to be responsible for the illegal or unethical actions that culminated in your losses.\nAt Williams Hart, our Houston securities litigation attorneys understand just how much may be riding on the outcome of this claim, and we can develop an aggressive legal strategy to help you pursue litigation against the responsible party. Though the prospect of taking legal action against a well-financed securities company may seem daunting, our attorneys have the experience and resources you need to aggressively pursue compensation for your losses.\nUnfortunately, there is a veritable laundry list of illegal and unethical actions by which securities and investment companies and individual brokers have been known to lose their investors’ holdings. That being said, our legal team is prepared to pursue a line of litigation against any company or individual whose unethical or illegal actions have adversely affected your investments, including but not limited to cases alleging the following:\nWhatever the particulars of your situation happen to be, our attorneys can help you understand all of the legal avenues by which you may be able to take action against the securities company or broker responsible for your losses.\nIf your financial holdings have been affected by the illegal or otherwise unethical actions of a securities company or individual broker, you should reach out to an attorney immediately. To speak with a Houston securities litigation lawyer from Williams Hart about the economic damages associated with your case and what we can do to help you pursue financial recovery, please call our offices at (713) 230-2200 today.", "domain": "finance"}
{"url": "https://mystportal.com/studying-accounting-in-australia-or-canada-as-a-foreign-student/", "date": "2023-12-07T16:51:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100677.45/warc/CC-MAIN-20231207153748-20231207183748-00461.warc.gz", "language_score": 0.9286907911300659, "token_count": 2759, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__145824111", "lang": "en", "text": "Studying accounting abroad can be a great way to broaden your horizons and hone your skills in the field. For foreign students looking for a career in accounting, Australia and Canada are two of the top destinations.\nIn this article, we will discuss the opportunities available for foreign students who wish to study accounting in Australia and Canada. We will explore the accounting courses offered, the eligibility requirements for admission, and the average tuition fees. Additionally, we will delve into the career prospects for accounting graduates in these countries, including the demand for accountants in the job market and the average salaries for fresh graduates. Finally, we will discuss the eligibility requirements for permanent residency for accountants and some tips for accounting students to help them succeed in their careers.\nAccounting Courses in Australia and Canada\nIf you’re a foreign student looking to pursue a career in accounting, Australia and Canada are great options to consider. Both countries offer a range of accounting courses that cater to the diverse needs of students, from foundational courses to advanced programs.\n1. Duration of Accounting Courses in Australia and Canada\nThe duration of accounting courses in Australia and Canada varies depending on the level of the course. Typically, a bachelor’s degree in accounting takes three to four years to complete, while a master’s degree takes one to two years. However, some universities offer accelerated programs that allow students to complete their degrees in a shorter period.\n2. Average Tuition Fees for Accounting Courses in Australia and Canada\nThe tuition fees for accounting courses in Australia and Canada depend on many factors, such as the level of the course, the institution, and the location. On average, the tuition fees for a bachelor’s degree in accounting in Australia range from AUD 25,000 to AUD 40,000 per year, while in Canada, the fees range from CAD 20,000 to CAD 50,000 per year. For a master’s degree in accounting in Australia, the fees range from AUD 30,000 to AUD 50,000 per year, while in Canada, the fees range from CAD 30,000 to CAD 60,000 per year.\n3. Eligibility for Admission into Accounting Courses in Australia and Canada\nTo be eligible for admission into an accounting course in Australia or Canada, you must meet the minimum requirements set by the institution. Typically, you need to have completed secondary education or an equivalent and meet the English language proficiency requirement. In Australia, students need to pass the International English Language Testing System (IELTS) with an overall score of 6.5 or higher. In Canada, students need to take either IELTS or the Canadian English Language Proficiency Index Program (CELPIP).\n4. IELTS Requirements for Accounting Courses in Australia and Canada\nThe IELTS requirement for accounting courses in Australia and Canada varies from institution to institution. It’s important to check the IELTS score requirement before applying to an accounting course. For example, the University of Melbourne, one of the top universities in Australia, requires an overall score of 6.5 for its Master of Accounting course, while the University of Toronto, one of the top universities in Canada, requires a minimum score of 7.0 for its Master of Management and Professional Accounting course.\n5. Admission Sessions for Accounting Courses in Australia and Canada\nMost universities in Australia and Canada have two admission sessions per year – Semester 1 and Semester 2. Semester 1 intake starts in February/March, while the Semester 2 intake starts in July/August. Some universities also offer a Summer or Winter intake, which is a shorter semester that starts in November/December or May/June, respectively.\nIf you’re considering studying accounting in Australia or Canada, it’s important to research the courses available and the admission requirements and procedures. You can visit the websites of the universities that interest you to get more information on the accounting courses, the eligibility requirements, and the tuition fees.\nCareer Prospects for Accountants in Australia and Canada\nWhen it comes to career prospects for accountants, Australia and Canada are great options for foreign students. Both countries have a strong economy and a stable job market, making them ideal for accounting graduates.\n1. Average Salary of Fresh Accounting Graduates in Australia and Canada\nThe average salary of fresh accounting graduates in Australia and Canada varies depending on several factors, such as the level of education, experience, and location. In Australia, the average salary for a graduate accountant is around $55,000 to $75,000 per year, while in Canada, it ranges from $50,000 to $80,000 per year.\nIt’s worth noting that the salary can increase significantly with experience and additional qualifications. For example, in Australia, a certified public accountant (CPA) can earn an average salary of AUD 60,000 to AUD 110,000 per year, while a CPA in Canada can earn an average salary of CAD 45,000 to CAD 100,000 per year.\n2. Demand in the Job Market for Accountants in Australia and Canada\nThe demand for accountants in the job market in Australia and Canada is high and expected to remain so in the coming years. In Australia, the job outlook for accountants is positive, with a projected growth rate of 9.2% in the next five years, according to the Australian Government’s Job Outlook website. In Canada, the demand for accountants is also high, with a projected growth rate of 5.8% in the next five years, according to the Government of Canada’s Job Bank website.\n3. Job Opportunities for Accounting Graduates in Australia and Canada\nAccounting graduates in Australia and Canada have a wide range of job opportunities available to them. Some of the common job roles for accounting graduates include:\n- Financial Accountant\n- Management Accountant\n- Tax Accountant\n- Financial Analyst\n- Budget Analyst\nThere are also opportunities to work in various industries, such as banking, insurance, government, and non-profit organizations.\nPermanent Residency after Studying Accounting in Australia and Canada\nIf you’re a foreign student pursuing accounting courses in Australia or Canada, you may be interested in obtaining permanent residency in these countries. Permanent residency allows you to live and work in Australia or Canada indefinitely, and it can lead to citizenship after a certain period.\n1. Eligibility Requirements for Permanent Residency in Accounting in Australia\nTo be eligible for permanent residency in accounting in Australia, you need to meet the following requirements:\n- Have completed a degree or diploma in accounting or a related field from a recognized Australian institution.\n- Have at least two years of work experience in accounting or a related field.\n- Meet the English language proficiency requirement.\n- Score at least 65 points on the points test.\nThe points test is a system used by the Australian government to assess the eligibility of skilled workers for permanent residency. Points are awarded based on factors such as age, English language proficiency, work experience, and education. You can use the points calculator on the Department of Home Affairs website to check how many points you’re eligible for.\nIf you’re 25 years old, have a bachelor’s degree in accounting, have three years of work experience in accounting, and score 7.0 on the IELTS, you’ll score 75 points in the points test, which makes you eligible for permanent residency in Australia.\n2. Eligibility Requirements for Permanent Residency in Accounting in Canada\nTo be eligible for permanent residency in accounting in Canada, you need to meet the following requirements:\n- Have completed a degree or diploma in accounting or a related field from a recognized Canadian institution.\n- Have at least one year of work experience in accounting or a related field.\n- Meet the English or French language proficiency requirement.\n- Score at least 67 points in the Express Entry system.\nThe Express Entry system is a system used by the Canadian government to manage applications for permanent residency from skilled workers. Points are awarded based on factors such as age, education, work experience, language proficiency, and adaptability. You can use the Come to Canada tool on the Government of Canada website to check your eligibility for the Express Entry system.\nIf you’re 30 years old, have a master’s degree in accounting, have two years of work experience in accounting, and score 7.5 on the IELTS, you’ll score 473 points in the Express Entry system, which makes you eligible for permanent residency in Canada.\n3. Tips for Succeeding in Your Permanent Residency Application\n- Start early: The process of applying for permanent residency can take several months, so it’s important to start early and gather all the required documents in advance.\n- Follow instructions: Make sure you read and follow the instructions carefully when filling out your application form. Any errors or omissions can lead to delays or even rejection.\n- Provide evidence: You need to provide evidence to support your claims of education, work experience, language proficiency, and other factors. Make sure you provide all the required documents and that they’re authentic and verifiable.\n- Seek professional help: If you’re unsure about any aspect of the application process, seek professional help from a registered migration agent or lawyer. They can guide you through the process and help you avoid common mistakes.\n- Be patient: The process of obtaining permanent residency can be long and stressful, but it’s important to be patient and persistent. Keep track of your application status and follow up if necessary.\nTips for Accounting Career in Australia and Canada\nStudying accounting in Australia and Canada can be a great way to kick-start your accounting career. However, landing a job in the field can be competitive. Therefore, it is essential to have a solid plan and strategy to set yourself apart from the competition. Below are some tips to help you succeed in your accounting career in Australia and Canada.\n1. Build a Strong Network\nNetworking is crucial to building a successful accounting career in Australia and Canada. Connect with other accounting professionals, attend industry events, and join accounting associations to expand your network. A strong network can provide you with job opportunities, references, and valuable insights into the industry.\n2. Gain Work Experience\nWork experience is valuable when it comes to finding a job in accounting. Consider internships, co-op programs, or part-time work to gain practical experience in the field. This experience can help you stand out to potential employers and give you a better understanding of accounting in practice.\n3. Stay Up-to-Date with Industry Trends\nThe accounting industry is constantly evolving, and it’s crucial to stay up-to-date with the latest trends and changes. Subscribe to industry publications, attend conferences, and join online forums to keep yourself informed. This knowledge can help you identify new job opportunities and improve your skills in the field.\n4. Consider Pursuing Professional Certifications\nProfessional certifications can enhance your accounting career in Australia and Canada. Consider pursuing certifications such as the Chartered Professional Accountant (CPA) designation, which is recognized by employers across the country. These certifications can also help you achieve permanent residency in accounting in Australia or Canada.\n5. Develop Soft Skills\nIn addition to technical skills, soft skills such as communication, teamwork, and problem-solving are crucial for success in the accounting field. Develop these skills by volunteering, participating in extracurricular activities, or taking courses in leadership and communication.\nFor instance, if you’re an international student studying accounting in Canada, participating in extracurricular activities such as student clubs or volunteering can help you develop soft skills and make connections with other students and professionals in the field.\n6. Create a Strong Resume and Cover Letter\nYour resume and cover letter are your first impression with potential employers. Make sure they are well-written, error-free, and tailored to the job you’re applying for. Highlight your relevant skills and experience, and include any certifications or awards you have received.\nFor example, when applying for a job in accounting in Australia, make sure to highlight your experience and education in Australian accounting standards and practices.\n7. Leverage Technology\nTechnology plays an increasingly important role in the accounting industry. Stay up-to-date with the latest accounting software and tools to improve your efficiency and effectiveness in the field. Knowledge of these technologies can also help you stand out to potential employers.\nTake online courses or tutorials to learn how to use popular accounting software such as QuickBooks, Xero, or Sage.\nStudying accounting in Australia and Canada as a foreign student can be a lucrative opportunity. Both countries offer a range of accounting courses that cater to the diverse needs of students. Accounting graduates in these countries have excellent career prospects, with high demand for accountants in the job market and attractive salaries. Additionally, foreign students who wish to stay in Australia or Canada permanently can explore the eligibility requirements for accounting permanent residency. Overall, pursuing accounting courses in Australia and Canada can be a great way for foreign students to kick-start their accounting careers.\nDISCLAIMER: Please note that the information provided on this website is for general understanding only and should not be considered as legal advice. Every pages of the website is not updated every day. It is recommended to consult with our lawyers for latest information.", "domain": "finance"}
{"url": "http://www.publications.ojd.state.or.us/docs/TC4442.htm", "date": "2018-01-16T21:26:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084886739.5/warc/CC-MAIN-20180116204303-20180116224303-00109.warc.gz", "language_score": 0.9456644058227539, "token_count": 2182, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__193926707", "lang": "en", "text": "Plaintiff argued that its notices of deficiency were timely because ORS 314.410(3) and (8) extended the period within which notices could be issued. The court held that extensions contained in ORS 314.410(3) and (8) were exceptions to the statute of limitation contained in ORS 314.410(1). The subsection (3) extension will only apply if notice of an IRS tax assessment change is received by Plaintiff before the state statute of limitation expires. The court also held that ORS 314.410(8) does not change conditions that control the other extension periods contained in ORS 314.410(1) through (7).\nNotice of deficiency-Statute of limitation\n1. ORS 314.410 is a basic statute of limitation with a list of specific exceptions to that limitation.\nNotice of deficiency-Statute of limitation-Exception\n2. In order for the exception contained in ORS 314.410(3) to apply, notice of an IRS tax assessment correction must be received by Plaintiff before the state statute of limitation expires.\nNotice of deficiency-Statute of limitation-Exception\n3. ORS 314.410(8) does not change the conditions controlling extension periods contained in ORS 314.410(1) through (7).\nOral argument on cross motions for summary judgment were held May 12, 2000, in the courtroom of the Oregon Tax Court, Salem.\nJames C. Wallace, Assistant Attorney General, Department of Justice, Salem, argued the cause for Plaintiff (the department).\nJ. Alan Jensen, Joel P. Leonard, Weiss, Jensen, Ellis & Howard, Portland, and James M. Thomas, Weiss, Jensen, Ellis & Howard, Seattle, argued the cause for Defendant (taxpayer).\nDecision for Defendant rendered June 6, 2000.\nCARL N. BYERS, Judge.\nPlaintiff Department of Revenue (the department) appeals from a Magistrate Decision holding that the department's notices of deficiency were barred by the statute of limitations. The department asserts that Defendant's (taxpayer) extension agreements with the Internal Revenue Service (IRS) extended the time for it to issue notices of deficiency. The matter is before the court on stipulated facts and cross motions for summary judgment.\nTaxpayer timely filed Oregon corporate excise tax returns for the tax years 1978 through 1984. Taxpayer did not enter into any agreements with the department extending the time for it to audit and issue notices of deficiency for those years. However, taxpayer did agree to extend the period within which the IRS could assess federal deficiencies for those same years. Taxpayer's extension agreements with the IRS expired as follows: (1) tax year 1978 expired June 15, 1993, (2) tax years 1979 through 1981 expired December 31, 1993, and (3) tax years 1982 through 1984 expired June 30, 1994.\nDuring the extension periods, the IRS made corrections to taxpayer's federal taxable income. The IRS issued revised audit reports (RAR) as follows: RARs for tax years 1978 through 1981 were dated June 11, 1993, and received by the department on August 30, 1993; and RARs for 1982 through 1984 were dated June 29, 1993, and received by the department on May 2, 1994.\nOn May 30, 1995, the department issued notices of deficiency for the years 1978 through 1984.\nAre the department's notices of deficiency barred by the statute of limitations?\n1. The administration of state corporate excise taxes are governed by statute. ORS 314.410 (1) imposes time limits upon the department's authority to issue notices of deficiency. That statute may be viewed as providing a basic rule with specific exceptions. The basic rule, stated in ORS 314.410(1) is:\n\"* * * At any time within three years after the return was filed, the department may give notice of deficiency * * *.\"\nInasmuch as the notices of deficiency were issued in 1995 and the last year in which a return was filed in this case was 1985, the notices obviously do not fall within the three-year periods of limitation. However, ORS 314.410 contains a number of exceptions to this general rule.\nThe department claims that two exceptions apply to the facts of this case. First, the department claims exception under ORS 314.410(3). That subsection provides:\n\"* * * If the Commissioner of Internal Revenue or other authorized officer of the Federal Government makes a correction resulting in a change in the tax for state excise or income tax purposes, then notice of a deficiency under any law imposing tax upon or measured by income for the corresponding tax year may be mailed within two years after the department is notified by the taxpayer or the commissioner of such federal correction * * *.\" (Emphasis added.)\nThe department argues that its notices of deficiency were issued within two years from the date it received the RARs from the IRS. However, the department ignores the language of the statute emphasized above. The importance of that emphasized phrase was established in Swarens v. Dept. of Rev., 320 Or 326, 330, 883 P2d 853 (1994) wherein the Supreme Court stated:\n\"The text of ORS 314.410(3) suggests that, for the new limitation period to apply, the IRS correction must occur within the original limitation period. The statute is conditioned on a correction 'resulting in a change in tax for state * * * income tax purposes.'\" (Emphasis added.)\n2. A change in a taxpayer's state income tax cannot occur unless that year is still open to taxation. Because a tax year is open to taxation only within a limited period, it follows that, for the ORS 314.410(3) extension to apply, the IRS correction must be made and notice of that correction received before the state statute of limitations expires.\nThe primary point made by Swarens is that the limitation period of ORS 314.410(3), as it pertains to state income tax, is not extended by an IRS correction occurring within a limitation period for correcting federal income tax. Rather, it must occur before the state limitation period expires. The Supreme Court stated:\n\"Our conclusion that ORS 314.410(3) extends the statute of limitations only when an IRS correction occurs within the relevant state limitation period also is consistent with the apparent purpose of ORS 314.410(3).\" Swarens at 333.\nAfter discussing the legislative history, the court considered a report issued by the State Tax Commission and found that:\n\"The report makes clear that the original purpose of the statute was to extend the statute of limitations in cases where a correction is made by the federal government within the statute of limitations. * * *\n\"We conclude that, under ORS 314.410(3), a correction by the IRS extends the statute of limitations only if that correction is made before the state statute of limitations has run.\" Id. at 334-35.\nThe three-year statute of limitation contained in subsection (1) had already tolled before the IRS made any corrections. Consequently, taxpayer's state excise tax was untouched and therefore, the two year extension contained within subsection (3) will not apply.\nThe department claims that a second exception in subsection (8) of ORS 314.410 triggers the two-year extension contained in subsection (3). Subsection (8) provides:\n\"Notwithstanding the other provisions of this section, if any taxpayer agreed with the United States Commissioner of Internal Revenue for an extension * * * of the period for giving notices of deficiencies and assessing deficiencies in federal income tax for any year, the period for mailing notices of deficiencies of tax for such years shall be within the limits expressed in subsections (1) to (7) of this section or six months after the date of the expiration of the agreed period for assessing deficiencies in federal income tax, whichever period expires the later.\"\nThe department believes that subsection (8) may resurrect the two-year exception available in subsection (3). In its reply brief, the department asked \"the court to recognize that the word 'or' in subsection (8) means that [the department] has the longest of eight potential periods within which to issue a notice of deficiency, following a federal extension. If a timely, federal adjustment changes federal tax, then the two-year period following notification of the change is one of the potential periods.\" (Ptf's Reply Br In Supp of Its Cross Motion For Partial Summ Jgmt at 3.) However, the department's construction ignores the language of subsection (8) as well as the Oregon Supreme Court's construction of subsection (3) contained in Swarens.\n3. Whenever a taxpayer agrees with the IRS to extend the period for giving federal notices of deficiency, ORS 314.410(8) makes the limitation period the longest of any of the limitation periods provided by subsections (1) through (7) or six months after the federal extensions expire, whichever is later. Subsection (8) does not change the conditions controlling the periods in subsections (1) through (7). Therefore, in the absence of any agreement with the state, the additional two-year period of ORS 314.410(3) only applies if the federal correction was made within the state's three-year statute of limitation.\nHere, the state had no extension agreement. Therefore, the extended period provided in subsection (3) only applies if the federal corrections are made within three years from when the return was filed. In short, the limitation period provided by subsection (3) is significantly shorter than the department would like.\nApplied to the facts of this case, of all the potential extension periods available under subsection (8), only one provides any extension of the three-year statute of limitation. That one extension, contained within subsection (8) itself, allows deficiencies to be mailed within \"six months after the date of the expiration of the agreed period for assessing deficiencies in federal income tax, whichever period expires the later.\" The department failed to send its deficiency notices within those six months, and therefore its deficiency notices were void.\nIn conclusion, because the department failed to mail deficiency notices within the time periods required by ORS 314.410, each of the deficiencies for tax years 1978-1984 mailed to the taxpayer was void. Now, therefore,\nIT IS ORDERED that Plaintiff's cross motion for partial summary judgment is denied, and\nIT IS FURTHER ORDERED that Defendant's Motion for Summary Judgment is granted. Costs to neither party.\n1. All references to the Oregon Revised Statutes are to 1993.\nReturn to previous location.", "domain": "finance"}
{"url": "https://www.nexusproperty.co.nz/taranakist.html", "date": "2022-08-16T19:24:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572515.15/warc/CC-MAIN-20220816181215-20220816211215-00489.warc.gz", "language_score": 0.9218228459358215, "token_count": 160, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__62259643", "lang": "en", "text": "Taranaki Street, Mount Cook, Wellington\nPrice By Negotiation\nRent Appraisal: $850 per week\nBody Corporate $4,835.81 per annum\nRates: $2,219.01 per annum\nContact me for further information or to view\n4 Bedroom Apartment - Central Location\nThis 4 bedroom, 2 bathroom apartment offers a great opportunity to invest in Wellington property. The central location is highly sought after by tenants. With just a short walk to Massey Campus the apartment is very convenient to students and has had consistent occupancy levels for many years. Very popular among investors wanting to enjoy returns on great value per square metre.", "domain": "finance"}
{"url": "http://elliottofuic.ezblogz.com/4166644/emergency-bankruptcy-attorney-boles-acres-nm-call-877-541-9307", "date": "2019-01-21T07:40:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583763839.28/warc/CC-MAIN-20190121070334-20190121092334-00151.warc.gz", "language_score": 0.9484180808067322, "token_count": 8670, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__53617033", "lang": "en", "text": "Emergency Bankruptcy Attorney Bloomfield NM - Call 877-541-9307\nIf you have actually been battling to get from debt for a very long time as well as you seem like you're lacking options, there might come a time when you determine to proclaim bankruptcy. Many people consider personal bankruptcy only after they seek financial obligation combination or financial debt negotiation These options could help you get your funds back on course as well as won't adversely influence your credit scores as much as a personal bankruptcy. Debtors need to know that there are several options to bankruptcy, specifically if they are considering declare Chapter 7 insolvency.\nIf a debtor has nothing left that is important, such as residential property or income, another bankruptcy option is simply to stop paying financial institutions. At, attorneys from our network evaluate situations as well as determine whether declare Phase 7 personal bankruptcy, Chapter 13 personal bankruptcy, or another debt monitoring approach will be best.\nSole proprietorships could additionally be eligible for relief under phase 13 of the Insolvency Code. If you wish to discharge your charge card debt, medical and utility bills, stay clear of foreclosure, and evaluate the stability of financial obligation monitoring plans or financial debt settlement plans, you need the help of qualified personal bankruptcy lawyers.\nDeclare personal bankruptcy is a lawful procedure that either decreases, reorganizes or removes your financial debts. Creditors could intend to prevent a borrower entering into bankruptcy, calculating that a personal bankruptcy filing will minimize the quantity of the financial debt that will certainly be repaid to them. Attorneys from our network could clarify which sort of bankruptcy will ideal secure your assets while eliminating the largest quantity of financial obligation, so you'll recognize you're choosing the ideal path for you.\nYou would certainly need to if you file Chapter 13 insolvency either to save a property or due to the fact that you failed the means test for Phase 7. You may be able to cut out those nice-to-haves like cord or satellite cell, landline and television phones if you take a closer look at your budget plan. If you need to choose between settling a few financial debts or filing insolvency, work out the debts, however do it right.\nThe Regulation Offices of Kevin Ahrenholz could help you in submitting Phase 7, Chapter 11, Chapter 12, as well as Chapter 13 insolvency. The feasible positive side with figuring out a Chapter 13 is your only bankruptcy option is that you could have access to funds that could enable you to resolve your financial debts quickly. People that used Phase 13 personal bankruptcy, best called wage earner's personal bankruptcy,\" had to do with split in their success.\nDuring this moment, an insolvency discharge can avoid you from getting brand-new credit lines and also might also cause problems when you look for work. The majority of individuals submitting bankruptcy were not specifically well-off. Our bankruptcy lawyers can assist you to check out non-bankruptcy choices in order to help you discover the financial obligation alleviation remedy that is finest for you.\nTo get more information concerning insolvency and also other debt-relief choices, seek advice from a regional credit history therapist or check out the Federal Trade Payment's educational web pages. The individuals as well as organisation that file for bankruptcy have far more financial debts compared to loan to cover them and also do not see that transforming anytime quickly.\nIf one of these insolvency alternatives saves your credit report, it's better to take it, even if it will take a little longer or set you back a little more to obtain rid of your financial obligation. This is a far better alternative for the creditor compared to if the debtor has actually the financial debt released in Chapter 7 bankruptcy or positioned in a court-approved repayment plan in a Chapter 13 insolvency.\nIn Phase 13 debt consolidation\" insolvency, you reach keep all of your home or business, however you pay into a 3- to five-year payment plan. However, insolvency is still expensive, as well as because of that, we offer nine various layaway plan alternatives that will fit most budget plans. For this reason, before establishing if insolvency is your ideal course of action, it's smart to compare all alternatives you need to get financial obligation alleviation without bankruptcy.\nThough individuals can file a bankruptcy case without a attorney or “pro se,” it really is severely tricky to get it done competently.|The opinions expressed on this Internet site depict only the thoughts of Robinson Law Personal computer and so are by no means supposed as legal information upon which you should rely.|Observe: You might be receiving additional behind simply because you will not be Benefiting from all readily available tax credits and income dietary supplements. Use our Do not Leave Revenue on the Desk! checklist to check out if you can be improving your income with more credits, refunds and benefits.|The get worried and tension of getting these debts and getting pressured by assortment organizations is too difficult that you should deal with, or|Filing Chapter thirteen bankruptcy stops foreclosure, removes charge card credit card debt, together with other debts including clinical costs or personalized loans. In some cases, Filing Chapter 13 bankruptcy can strip or remove a 2nd mortgage loan lien or a 3rd home loan lien over a household.|There are numerous means of locating a lower-Charge lawful Specialist online. It is possible to check out employing a free attorney Listing to come up with an excellent listing of candidates. The downside to this technique is that you have got to connect with or stop by Every one of them and make clear your fiscal predicament.|You should deliver the identify and handle of the corporation or person linked to the lease or deal, an outline on the lease or contract, plus the account quantity.|at a minimal rate and obtain it carried out quick. The primary will be the money certification kind. It can condition your money flow together with it’s about to show a cost system.|Do not cover information and facts from them the attorney. Put your facts in existence so the attorney can provide you with an educated solution based upon the true points of one's case. You’ll possible locate some very skilled, very low-Price bankruptcy legal professionals as well as Professional bono bankruptcy attorneys that are willing to aid.|By using a Free Session, we can easily begin to assist you to, your family, or your smaller enterprise on the most effective route to fiscal recovery. We offer knowledgeable and caring Affordable Lawyers for Bankruptcy without the unpleasant surprises that considerably less-professional bankruptcy attorneys could result in.|You can Speak to us even soon after your circumstance is closed. Closed conditions might from time to time have to be reopened and it is nice to grasp that we'll be there for yourself regardless of what.|The list of creditors, account quantities, addresses, and quantities owed need to be as complete as possible to stop difficulties following the bankruptcy. Creditors who will be not notified because of the court will try to gather Regardless of the bankruptcy.|Any creditors or debts not detailed inside the paperwork filed Using the courtroom will be exempt in the bankruptcy filing. Meaning they will still be capable to search for recompense for your debts even just after this method is total. Make sure you incorporate all pertinent debts and creditors when filing.|Get yourself again on track. For the summary in the bankruptcy course of action, you might be discharged. You are no more chargeable for discharged debts, and creditors can not take any motion from you. You are now able to get started rebuilding your credit rating.|It was evident from the kinds of queries she was inquiring that she had performed her research. This method ongoing to get a number of more weeks and by then, we were being starting to suspect that she wasn't an actual debtor trying to get to file bankruptcy but alternatively, an attorney attempting to enrich her have familiarity with bankruptcy from our specialists.|FreeProBono served me discover an area pro bono attorney that considered in my lead to. I had been overwhelemed Nonetheless they served me by my challenges and now I am saved!|To enroll in updates for local and national court subjects, or to accessibility your subscriber preferences, you should enter your contact data beneath.|Program H – Co-debtors: It's essential to deliver the courts Using the identify and deal with of co-debtors that are accountable for any debts that you've A part of your bankruptcy filing.|The subsequent bankruptcy forms might be necessary regardless if you are filing Chapter seven or 13 (Except if not indicated). You could attain the forms for free through the U. S. Bankruptcy Court website.|BAPCA is essential bankruptcy reform legislation that took impact in 2005 and continue to has key implications for bankruptcy currently. Take a minute to familiarize yourself with BAPCA.}\nKid support and spousal aid owed, and selected other obligations under a divorce or separation order\n✓ ✓ If you should make alterations just after your filing or simply soon after your discharge, we may help. ✓ ✓ When it really is time on your creditor Assembly, we offer you data to prepare you, so that the process is really a breeze.\nThey may minimize the worry of getting to complete seemingly endless paperwork. Filing providers is not going to present the very vital authorized assistance. Filing expert services might be of great use to businesses with a great deal of finances to trace, but again, they aren't an equitable substitute for bankruptcy attorney.\nThey're also those with the highest fee. It's your decision to select which one is the greatest for you. You may choose the cheapest but be sure you employ the one having a couple of years of practical experience and also have correctly handled many conditions prior to now. Deciding on the lowest-price tag at this stage could possibly Offer you less or no response in the slightest degree from their network.\nThis known as an \"automatic stay.\" Even though the 2005 legislation provides far more exceptions to this rule, the automated stay still stops most selection attempts though your case is pending, particularly when your case is a relatively basic and quick a person.\nBankruptcy is rather challenging in most states. There's a great deal of paperwork, and every little thing has to be ready pretty extensively and precisely. In certain areas Get it done Yourself (DIY) bankruptcy is an alternative, but It's not advisable. When folks take care of their particular bankruptcy filing with no help of bankruptcy attorneys, it frequently goes inadequately.\nIncorporates: Tips on how to use reaffirmation agreements to maintain your financed appliances and home furnishings and pay nothing.\nBankruptcy may not discharge all your debts with no some sacrifices. In case you have only a few belongings and small income, you may not drop just about anything. But wealthier debtors can reduce some of their belongings, or could possibly have to keep spending to maintain them.\nThe method is a 3-stage course of action, and that is straightforward to complete, hugely effective and In addition it guards your privacy.\nThough you will find many various forms of bankruptcy, two are most frequent for individuals. Both of these solutions contain filing for bankruptcy underneath Chapter seven and Chapter thirteen of The us bankruptcy code.\nWhat qualifications do your counselors have? Are they accredited or certified by an outdoor organization? What teaching do they acquire?\nFeel free to look through our authorized site and overview archived articles or blog posts about bankruptcy and various legal challenges that our shoppers often inquire us about. We operate really not easy to make this as cost-effective for yourself as possible even though even now running a business mainly because we care about you!\nIn the scenario in which a debtor is mentally incompetent to signal a bankruptcy petition and no bankruptcy certain ability of attorney exists, the non-debtor member of the family really should request to generally be appointed guardian from the debtor relative with the courtroom technique in their county.}\nWhich Type Of consumer bankruptcy Should You Submit? Phase 7 Vs. 13\nThis phase of the consumer bankruptcy Code generally provides for reconstruction, typically involving a company or collaboration. Insolvency remains on your debt report for 7-10 years, relying on which phase of personal bankruptcy you submit under. It may be time to declare personal bankruptcy if it is going to take more compared to 5 years for you to pay off all your financial debts. Phase 13 bankruptcies compose regarding 30 percent of non-business bankruptcy filings. Filing personal bankruptcy with a court is the primary step.\nIf filing personal bankruptcy is ideal for you, a personal bankruptcy attorney could describe your alternatives and also assist you identify. Take the time to calculate what does it cost? money you have to avoid insolvency. We are the bankruptcy attorneys you can phone call to aid you attain freedom from your financial institutions as well as restore monetary stability. The automated remain\" order protects against lenders from trying to accumulate from you during the personal bankruptcy process.\nThe new personal bankruptcy legislation needs debt counseling before personal bankruptcy filings anyhow so it's worth it to strongly consider credit history therapy as a bankruptcy choice. The American Insolvency Institute (ABI) did a research study of PACER stats (public court documents) from 2016 and also located that 95.5% of the 499,909 Phase 7 insolvency cases chose that year were discharged, indicating the individual was no longer lawfully needed to pay the financial debt.\nA Chapter 13 bankruptcy involves paying back several of your financial debts to have actually the rest forgiven. It is essential to understand that while insolvency is an opportunity to start over, it most definitely impacts your credit history and also future capacity to make use of loan. Insolvency is a legal process designed to put a stop to collection phone calls and eliminate debt completely.\nYour bank card firm will certainly decide whether you could maintain your charge card after your personal bankruptcy. If you haven't done so at this moment, this might be where you understand you should discover a personal bankruptcy attorney Lawful counsel is not a need for individuals applying for either Phase 7 or Chapter 13 bankruptcy, however you are taking a significant threat if you prefer to represent on your own.\nDeclaring insolvency might enable you to get a fresh monetary start. The majority of people who file for bankruptcy pick either a Phase 7 or Chapter 13 case. Your co-signer still may be lawfully obligated to pay all or component of your lending when you proclaim bankruptcy. Still, as a result of the lasting effects of insolvency, some professionals think it's most useful when you have greater than $15,000 in debts.\nChapter 7 insolvency is a court procedure that is created to eliminate credit card financial debt, medical debt, as well as various other types of unsafe debts for individuals who could not afford to settle them. For a detailed conversation of non-bankruptcy alternatives, check out Solve Your Cash Problems: Financial Obligation, Credit & Insolvency, by Robin Leonard and Margaret Reiter (Nolo).\nThe opportunity of a debtor declare bankruptcy will certainly inspire some creditors to accept reduce the month-to-month payment, develop a long-lasting settlement plan, or reduce the rates of interest or the debt. For something, you may not recognize government or state personal bankruptcy regulations or understand which regulations apply to your case, especially regarding just what financial debts can or cannot be released.\nDeclare personal bankruptcy is a legal procedure that either decreases, restructures or removes your financial obligations. Creditors might intend to prevent a debtor entering into insolvency, calculating that a personal bankruptcy declaring will certainly lower the quantity of the financial obligation that will certainly be settled to them. Lawyers from our network could explain which type of bankruptcy will certainly finest protect your possessions while eliminating the biggest amount of financial obligation, so you'll understand you're choosing the best path for you.\nNo. If you can pay your costs when they schedule, it's a good idea to do so. However, if your debts are considerably more than your assets and also revenue, bankruptcy may be your best alternative. On top of that, specific borrowers that have regular earnings might seek a change of financial obligations under phase 13 of the Bankruptcy Code A particular benefit of phase 13 is that it offers individual debtors with an opportunity to save their residences from foreclosure by allowing them to \"capture up\" past due settlements through a layaway plan.\n12801 Darby Brook Ct #201\nWoodbridge, VA 22192\nFisher Nathan A\n3977 Chain Bridge Rd Suite 2\nFairfax, VA 22030\n6 Factors As Well As 5 Ways To Prevent Declaring Personal Bankruptcy\nDepending upon the kind, or \"chapter,\" of insolvency, financial debts are treated differently. Joining a credit report or debt counseling company's debt administration program is a bit like declare Phase 13 insolvency. Personal bankruptcy lugs some substantial long-lasting penalties since it will certainly continue to be on your credit score record for 7-10 years, yet there is a great mental and emotional lift when you're provided a clean slate and also all your financial debts are removed.\nIf a debtor has absolutely nothing left that is beneficial, such as home or income, another bankruptcy alternative is just to stop paying financial institutions. At, lawyers from our network examine situations and determine whether filing for Chapter 7 bankruptcy, Phase 13 personal bankruptcy, or one more debt monitoring method will be best.\nIn Phase 7 liquidation\" personal bankruptcy, residential property gets marketed to pay back creditors for financial obligation relief (although many individuals keep most, if not all, of their properties). If Chapter 13 bankruptcy is your only insolvency choice that you may have a possession that you can sell off to settle your debts right away, there is a respectable possibility that.\nChapter 13 insolvency normally varies from 3 5 years to release. Only 24,375 insolvency situations were filed by organisations in 2015. There are various other ways to deal with lenders except applying for insolvency. In 2015, personal bankruptcy filers owed $113 billion as well as had assets of $77 billion, most of that being realty holdings, whose genuine value is open to question.\nTo find out more regarding insolvency and also various other debt-relief alternatives, consult from a regional credit history counselor or review the Federal Trade Commission's informational pages. The individuals as well as organisation who apply for personal bankruptcy have far more financial debts compared to cash to cover them and also do not see that transforming anytime quickly.\nWhen personal bankruptcy is the only various other alternative for the borrower, an additional personal bankruptcy option is to ask creditors to agree to a settlement plan Many lenders will certainly consent. Our charges for pre-filing Phase 7 personal bankruptcy solutions are one of the most affordable in the country. If some combination of home loan financial debt, bank card financial obligation, clinical bills and student lendings has actually devastated you economically and also you don't see that picture transforming, insolvency might be the best answer.\nThough the business continuouslies run during bankruptcy proceedings, most of the choices are made with authorization from the courts. Due to the fact that insolvency could have such a devastating effect on your credit score, it's better to look for other options before submitting Chapter 7 or Chapter 13 insolvency. Your assets will be sold by a court-appointed bankruptcy trustee.\nThroughout this time, a bankruptcy discharge can prevent you from getting new lines of credit and may even trigger issues when you apply for tasks. A lot of the people filing bankruptcy were not specifically rich. Our bankruptcy attorneys could assist you to explore non-bankruptcy alternatives to assist you locate the debt relief option that is ideal for you.\nSpeaking to an insolvency legal representative can assist you familiarize your alternatives and comprehend the insolvency procedure. If you're thinking about filing Phase 7 insolvency, full our questionaire to see if you qualify. For instance, you could have the ability to avoid bankruptcy if you market some assets, cut back on your budget plan, make a deal with your financial institutions, and borrow loan from friends and family.\nAllow your creditors know you are having monetary trouble as well as intend to prevent personal bankruptcy. - as well as do not have the earnings to spend for it. There were 844,495 insolvency instances submitted in 2015, and also 97% of them (819,760) were submitted by individuals. If the borrower's \"current regular monthly revenue\" is more than the state average, the Personal bankruptcy Code requires application of a \"means examination\" to identify whether the chapter 7 filing is presumably violent.\nFinding Chapter 7 Bankruptcy Alternative\nIf you have actually been struggling to obtain out of financial obligation for a long period of time as well as you seem like you're running out of options, there could come a time when you decide to state personal bankruptcy. The majority of people think about bankruptcy only after they pursue financial debt consolidation or financial obligation settlement These choices could aid you get your finances back on the right track and won't negatively influence your credit rating as long as an insolvency. Debtors need to realize that there are a number of alternatives to personal bankruptcy, particularly if they are pondering declare Chapter 7 personal bankruptcy.\nIf a debtor has nothing left that is important, such as residential property or income, an additional bankruptcy option is just to stop paying lenders. At, attorneys from our network figure out and evaluate cases whether declare Chapter 7 personal bankruptcy, Phase 13 bankruptcy, or another financial debt management strategy will be best.\nSole proprietorships may additionally be qualified for alleviation under phase 13 of the Insolvency Code. If you want to release your bank card debt, medical and energy expenses, prevent repossession, as well as analyze the feasibility of financial obligation monitoring strategies or financial debt settlement plans, you need the assistance of certified insolvency lawyers.\nDeclare personal bankruptcy is a legal process that either reduces, restructures or eliminates your financial obligations. Lenders may wish to stay clear of a borrower going into personal bankruptcy, calculating that a personal bankruptcy filing will reduce the amount of the financial obligation that will certainly be repaid to them. Lawyers from our network can explain which type of bankruptcy will certainly finest safeguard your possessions while wiping out the largest quantity of financial obligation, so you'll understand you're selecting the right path for you.\nSince you failed the methods examination for Chapter 7, you would certainly have to if you submit Chapter 13 insolvency either to conserve an asset or. If you take a closer take a look at your budget plan, you might have the ability to eliminate those nice-to-haves like cord or satellite cell, tv and landline phones. If you need to pick between settling a few debts or filing personal bankruptcy, clear up the financial obligations, however do it right.\nThe Law Offices of Kevin Ahrenholz can help you in submitting Chapter 7, Chapter 11, Chapter 12, and also Chapter 13 insolvency. The feasible silver lining with discovering a Phase 13 is your only personal bankruptcy option is that you might have access to funds that could permit you to settle your financial obligations promptly. People who made use of Chapter 13 personal bankruptcy, best known as wage earner's bankruptcy,\" had to do with split in their success.\nThroughout this time around, a bankruptcy discharge can avoid you from obtaining brand-new lines of credit as well as may even cause troubles when you obtain jobs. A lot of the people filing personal bankruptcy were not specifically rich. Our bankruptcy attorneys can aid you to discover non-bankruptcy alternatives to help you find the debt alleviation remedy that is finest for you.\nFor more information regarding insolvency and various other debt-relief options, consult from a regional credit scores counselor or check out the Federal Profession Commission's informative pages. The individuals as well as business who apply for personal bankruptcy have far more debts compared to money to cover them and don't see that altering anytime quickly.\nIf among these personal bankruptcy options saves your credit history, it's far better to take it, also if it will certainly take a little bit longer or cost a little more to obtain rid of your financial obligation. This is a better choice for the lender compared to if the debtor has the debt discharged in Chapter 7 bankruptcy or put in a court-approved settlement plan in a Chapter 13 bankruptcy.\nIn Phase 13 combination\" insolvency, you reach keep all your home, yet you pay right into a three- to five-year repayment plan. However, personal bankruptcy is still expensive, and for that reason, we offer nine various payment plan options that will fit most budgets. For this reason, before identifying if insolvency is your ideal strategy, it's important to contrast all options you need to obtain financial debt alleviation without insolvency.\nWhen Personal Bankruptcy Could Not Be The Most Effective Debt Option\nLearn exactly how Chapter 7 personal bankruptcy works, whether you could pass the qualification \"indicates test,\" just what happens to your house and automobile in Chapter 7, which financial obligations will certainly be discharged by Phase 7 personal bankruptcy, and also much more. A Chapter 13 bankruptcy includes settling several of your debts to have actually the rest forgiven. It is essential to understand that while bankruptcy is an opportunity to begin again, it absolutely influences your credit report and future ability to use cash. Bankruptcy is a legal procedure developed to put a stop to collection phone calls and also wipe out debt for good.\nThe possibility of a debtor declare insolvency will encourage some creditors to accept decrease the regular monthly payment, develop a long-term repayment strategy, or decrease the rates of interest or the financial debt. For something, you might not recognize government or state insolvency laws or be aware which legislations relate to your case, especially concerning what debts could or can not be released.\nWe have the capability in order to help you with credit history therapy choices and could help you remove your financial obligation tons through bankruptcy. Explore alternatives to Chapter 7 or Chapter 13 bankruptcy before you submit. Phase 11 is often described as reconstruction insolvency\" due to the fact that it provides services a chance to remain open while they reorganize the business' debts as well as possessions so it could pay back lenders.\nIf you are battling to settle delinquent financial obligations and also being harassed by debt collection agency, a personal bankruptcy lawyer could help. However, it could be possible to transform your phase 13 into a phase 7 insolvency, if you are not successful. Your insolvency attorney could assist you prevent foreclosure, stop car foreclosure, get rid of clinical expenses, and discharge bank card debt.\nSuch debtors need to consider filing a request under phase 11 of the Personal bankruptcy Code Under phase 11, the borrower does not avoid insolvency yet may seek a modification of debts. And, if you do, you might be able to generate an end result that might be a lot more beneficial than a Phase 13 personal bankruptcy. We understand that filing for bankruptcy could feel like a complicated process when you're overwhelmed with debt-- specifically if you're handling a wage garnishment, a pending suit, or a residence foreclosure.\nFiling insolvency can permit you to obtain a fresh monetary begin. A lot of people who file for personal bankruptcy pick either a Chapter 7 or Chapter 13 instance. Your co-signer still may be legally obliged to pay all or component of your financing when you proclaim bankruptcy. Still, as a result of the long-lasting impacts of bankruptcy, some experts think it's most valuable when you have greater than $15,000 in the red.\nYour bank card firm will choose whether you could keep your bank card after your personal bankruptcy. If you haven't done so now, this might be where you realize you should discover a personal bankruptcy lawyer Legal advise is not a requirement for people declaring either Phase 7 or Phase 13 personal bankruptcy, but you are taking a significant danger if you choose to represent yourself.\nThe brand-new insolvency regulation requires credit report counseling prior to bankruptcy filings anyhow so it deserves it to strongly take into consideration credit therapy as an insolvency option. The American Bankruptcy Institute (ABI) did a research study of PACER statistics (public court records) from 2016 as well as located that 95.5% of the 499,909 Chapter 7 bankruptcy instances chose that year were discharged, meaning the individual was not lawfully required to pay the debt.\nTo learn more concerning personal bankruptcy as well as various other debt-relief options, consult from a regional credit history counselor or read the Federal Profession Compensation's informative pages. The individuals and also company that declare insolvency have far more financial debts than money to cover them and don't see that transforming anytime soon.\nDuring this time, a personal bankruptcy discharge could avoid you from acquiring brand-new lines of credit as well as could also cause problems when you apply for work. The majority of the people filing insolvency were not specifically wealthy. Our personal bankruptcy lawyers can aid you to discover non-bankruptcy options to assist you locate the debt relief option that is ideal for you.\nPersonal bankruptcy Options And How It Impacts Your Home loan\nConsumer bankruptcy is a last resort for services and individuals, including Gawker Media, the business that possesses this website. The Legislation Offices of Kevin Ahrenholz could assist you in submitting Phase 7, Phase 11, Chapter 12, as well as Phase 13 bankruptcy. The possible positive side with figuring out a Phase 13 is your only personal bankruptcy option is that you could have access to funds that might enable you to resolve your financial debts quickly. People who made use of Chapter 13 bankruptcy, best known as wage earner's personal bankruptcy,\" were about split in their success.\nIn Phase 13 consolidation\" insolvency, you reach maintain all your home or business, but you pay right into a three- to five-year settlement strategy. Nevertheless, bankruptcy is still expensive, as well as therefore, we offer nine different layaway plan alternatives that will certainly fit most budgets. For this reason, before determining if bankruptcy is your best course of action, it's wise to compare all options you have to get financial obligation alleviation without bankruptcy.\nBecause you failed the ways test for Chapter 7, you 'd have to if you submit Phase 13 insolvency either to save a property or. You might be able to reduce out those nice-to-haves like cable television or satellite landline, television as well as cell phones if you take a closer appearance at your budget. If you have to choose in between clearing up a couple of financial obligations or filing personal bankruptcy, clear up the financial obligations, yet do it right.\nIt is not always feasible to stay clear of bankruptcy, yet it makes sense to wear down all choices to bankruptcy prior to declaring Phase 7, Phase 13, or Chapter 11. This might appear a bit confusing, so why refrain from doing it right the very first time? LegalZoom can link you with a personal bankruptcy lawyer who will certainly help you identify which type of insolvency is right for you, prepare and submit the essential records, and suggest you throughout the bankruptcy procedure.\nSole proprietorships might likewise be eligible for alleviation under phase 13 of the Insolvency Code. If you wish to discharge your charge card financial obligation, clinical and also energy bills, prevent repossession, and evaluate the feasibility of financial debt monitoring plans or financial obligation settlement strategies, you need the support of qualified personal bankruptcy lawyers.\nSuch borrowers ought to think about submitting a petition under chapter 11 of the Personal bankruptcy Code Under phase 11, the borrower does not avoid personal bankruptcy but may look for an adjustment of financial debts. As well as, if you do, you might be able to generate an end result that can be far more positive compared to a Phase 13 bankruptcy. We know that declare insolvency can appear like a difficult process when you're bewildered with financial obligation-- especially if you're handling a wage garnishment, a pending claim, or a residence repossession.\nFiling for insolvency is a lawful process that either minimizes, restructures or removes your financial debts. Lenders might want to avoid a borrower going into insolvency, determining that a personal bankruptcy declaring will certainly minimize the amount of the debt that will certainly be paid off to them. Attorneys from our network could explain which kind of bankruptcy will certainly finest shield your possessions while erasing the largest amount of financial debt, so you'll recognize you're picking the right course for you.\nThere is one substantial downside to filing for personal bankruptcy, nonetheless: a bankruptcy will stay on a debtor's debt record for approximately 10 years. When taking into consideration financial debt negotiation vs Chapter 13 personal bankruptcy it is very important you comprehend that there are two ways to carry out debt settlement.\nThe opportunity of a debtor declare insolvency will encourage some creditors to accept reduce the month-to-month settlement, develop a long-term payment strategy, or minimize the interest rate or the debt. For one thing, you may not recognize government or state bankruptcy legislations or realize which legislations relate to your instance, specifically concerning just what financial obligations could or cannot be discharged.\nTaking part in a credit history or financial debt counseling company's debt management program is a bit like filing for Phase 13 bankruptcy. Bankruptcy lugs some significant long-lasting fines because it will remain on your credit history record for 7-10 years, but there is an excellent mental and also psychological lift when you're provided a new beginning and all your financial debts are eliminated.\nWhen To File Phase 7 Or Chapter 13 Consumer Bankruptcy\nIf Phase 13 insolvency is a far better choice for you compared to Chapter 7 bankruptcy, locate out. Personal bankruptcy continues to be on your credit rating report for 7-10 years, depending click this upon which phase of insolvency you submit under. It might be time to state personal bankruptcy if it is going to take more than five years for you to pay off all your financial debts. Phase 13 bankruptcies make up concerning 30 percent of non-business bankruptcy filings. Declaring Bankruptcy with a court is the first step.\nOur seasoned team of Reorganization attorneys supply tactical legal advice to assist devise the most effective financial debt administration plan. People can only file for insolvency under Chapter 13 if their debts do not exceed a certain quantity. But collaborating with a debt or financial debt counseling company has one advantage: No bankruptcy will show up on your credit report document.\nThe Legislation Offices of Kevin Ahrenholz can aid you in filing Chapter 7, Phase 11, Chapter 12, as well as Phase 13 insolvency. The possible positive side with finding out a Phase 13 is your only bankruptcy alternative is that you may have accessibility to funds that may enable you to settle your debts swiftly. People who used Phase 13 bankruptcy, best known as breadwinner's Liquidation,\" were about split in their success.\nChapter 7 Reorganization is a court procedure that is designed to wipe out credit card debt, medical financial debt, and also other sorts of unsecured financial obligations for people that can no more pay for to repay them. For a thorough discussion of non-bankruptcy choices, check out Solve Your Loan Troubles: Financial Debt, Debt & Bankruptcy, by Robin Leonard and also Margaret Reiter (Nolo).\nTaking part in a debt or financial debt therapy company's debt monitoring program is a little bit like filing for Phase 13 bankruptcy.Consumer Bankruptcy carries some substantial long-lasting charges due to the fact that it will certainly remain on your credit score record for 7-10 years, however there is an excellent mental and emotional lift when you're given a new beginning and all your debts are removed.\nWhile bankruptcy could offer relief and a fresh start from a lot of financial obligations, it is additionally considered the \"financial obligation choice of last hope\". Our law practice has been practicing law over 90 years, and our personal bankruptcy team has decades of consolidated experience assisting people face the financial tests of life. Your credit history report could not sustain substantially a lot more damages, especially if you regularly pay your expenses after proclaiming personal bankruptcy.\nIf a borrower has absolutely nothing left that is valuable, such as building or revenue, one more bankruptcy alternative is merely to stop paying lenders. At, attorneys from our network figure out and assess cases whether filing for Chapter 7 bankruptcy, Chapter 13 insolvency, or one more financial obligation monitoring approach will certainly be best.\nSpeaking to an insolvency lawyer can assist you become aware of your choices and also comprehend the personal bankruptcy process. If you're thinking about submitting Chapter 7 personal bankruptcy, full our questionaire to see if you qualify. For instance, you could have the ability to avoid personal bankruptcy if you market some possessions, reduced on your budget, make a deal with your creditors, as well as obtain money from friends and family.\nThough the business continuouslies operate throughout personal bankruptcy proceedings, the majority of the choices are made with authorization from the courts. It's far better to look for other options prior to filing Phase 7 or Chapter 13 insolvency due to the fact that bankruptcy could have such a devastating impact on your credit scores score. Your properties will certainly be offered by a court-appointed insolvency trustee.\nThere are several types of personal bankruptcy for which individuals or married couples can file, the most typical being Phase 7 and also Phase 13. Phase 7 bankruptcy is a chance to get a court judgment that launches you from duty for paying off financial debts. Within one service day of when you call or email our office, you will certainly obtain call from our workplace offering to set up a complimentary, same-day insolvency qualification evaluation where we assess whether you are eligible for bankruptcy, and also if so, what phase of personal bankruptcy is best matched for you.\nAlternatives To Personal Bankruptcy\nThe federal government needs all potential filers to experience credit rating counseling before declaring Liquidation. Let your financial institutions understand you are having economic problem and use this link wish to prevent Bankruptcy. - as well as do not have the income to pay for it. There were 844,495 insolvency instances submitted in 2015, and 97% of them (819,760) were submitted by individuals. If the borrower's \"current regular monthly income\" is more than the state typical, the Insolvency Code requires application of a \"suggests test\" to identify whether the chapter 7 filing is presumptively abusive.\nWe have the capability to assist you with credit score therapy choices as well as can assist you remove your financial obligation lots via insolvency. Check out options to Phase 7 or Phase 13 personal bankruptcy before you file. Phase 11 is typically described as reorganization personal bankruptcy\" due to the fact that it gives services a chance to stay open while they restructure business' debts and assets so it could pay back financial institutions.\nDeclaring Personal Bankruptcy might allow you to obtain a fresh economic start. A lot of individuals who file for personal bankruptcy choose either a Phase 7 or Phase 13 situation. When you declare bankruptcy, your co-signer still may be lawfully obliged to pay all or part of your finance. Still, because of the long-term impacts of personal bankruptcy, some professionals think it's most advantageous when you have greater than $15,000 in debts.\nWhile personal bankruptcy can provide relief and a new beginning from a lot of financial debts, it is also thought about the \"financial obligation alternative of last resource\". Our law firm has been practicing law over 90 years, and our bankruptcy team has decades of combined experience helping people face the financial tests of life. Your credit score record may not endure significantly more damages, specifically if you continually pay your bills after declaring bankruptcy.\nThe new insolvency regulation requires credit counseling prior to insolvency filings anyway so it deserves it to highly consider credit score therapy as an insolvency choice. The American Insolvency Institute (ABI) did a research study of PACER statistics (public court documents) from 2016 as well as found that 95.5% of the 499,909 Chapter 7 personal bankruptcy cases decided that year were released, implying the person was not lawfully needed to pay the debt.\nAn additional personal bankruptcy option is to ask financial institutions to agree to a payment plan Lots of financial institutions will consent when personal bankruptcy is the only other alternative for the borrower. Our costs for pre-filing Chapter 7 insolvency services are just one of the lowest in the nation. If some mix of mortgage financial debt, charge card financial obligation, medical expenses and also trainee fundings has ruined you monetarily and you don't see that image altering, personal bankruptcy might be the very best answer.\nOur knowledgeable group of personal bankruptcy lawyers provide tactical legal advice in order to help design the best debt administration plan. People could only file for bankruptcy under Chapter 13 if their financial obligations do not surpass a specific quantity. Yet dealing with a credit scores or financial obligation therapy firm has one benefit: No insolvency will certainly show up on your credit scores document.\nParticipating in a credit or financial obligation therapy company's financial debt management program is a bit like filing for Phase 13 insolvency. Bankruptcy carries some considerable lasting fines since it will continue to be on your credit rating report for 7-10 years, however there is an excellent mental as well as emotional lift when you're given a new beginning and all your financial debts are gotten rid of.\nThough the business continues to run throughout insolvency procedures, a lot of the choices are made with permission from the courts. It's much better to seek other options before submitting Phase 7 or Chapter 13 personal bankruptcy due to the fact that bankruptcy could have such a terrible effect on your credit history score. Your properties will be sold by a court-appointed personal bankruptcy trustee.\nInsolvency is a legal life line for individuals drowning in the red. Whether you're thinking about Chapter 7 bankruptcy, Phase 11 insolvency, or Chapter 13 bankruptcy, the recommendations of a knowledgeable bankruptcy legal representative is advised. Debtors ought to additionally be aware that out-of-court agreements with financial institutions or financial obligation therapy services could provide an option to a bankruptcy declaring.\nEmergency Bankruptcy Attorney Kirtland NM - Call 877-541-9307", "domain": "finance"}
{"url": "https://blog.blingcap.com/2023/02/13/How-to-Size-a-Market/", "date": "2023-09-23T06:52:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506480.35/warc/CC-MAIN-20230923062631-20230923092631-00418.warc.gz", "language_score": 0.9377918243408203, "token_count": 3470, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__124686441", "lang": "en", "text": "Venture investors will often ask a founder the potential size of their startup. A core part of answering this question has to do with market size, commonly known as total addressable market (or “TAM”).\nThe post below will outline\n- why venture investors care about TAM\n- common mistakes founders make when sizing their market(s) including examples, and\n- the Bling Capital approach\nOur goal with market sizing is to understand how big your startup can get if things go well.\nVenture Capital investors often ask themselves: Is this startup’s market sufficiently large to support a “venture scale” return?\nTo be considered “venture scale”, a lead investor’s equity in a startup (say 10% at the seed stage) has to have the potential to return their fund. Therefore, if a seed fund is $100M, an investor generally wants to see a path for any portfolio companies to become a $1B enterprise value company if things go well.\nWhat happens if you’re seeking to raise venture capital, yet a venture investor believes your TAM is too small?\n- If an investor believes this during your fundraising process (rightly or wrongly), they may pass with the reason being “not enough conviction on the market”.\n- If discovered after investing that the market is indeed too small, they may influence founders to strategically focus on a venture scale outcome which will naturally be more challenging in a smaller market.\nAs a startup founder, putting together a clear and concise “back-of-envelope” market sizing that articulates a path to $100M and $500M, respectively, in gross profit will not only help avoid scenarios above but will also be helpful to driving business strategy and go to market approach. We use $100M and $500M as benchmarks for a “venture scale” business and “venture home run” business, respectively. The reason we favor gross profit over revenue for this exercise is because different markets and business models have varying gross margins, and gross profit better accounts for these differences.\nMany market-sizing approaches result in numbers that may not resemble the reality of a startup’s current or even future potential market size. Below are four common mistakes we often see founders make when talking about market sizing, and we’ll outline each with relevant examples using two of our portfolio companies: Lyft (Marketplace) and Lucidchart (SaaS). These examples build on each other.\n- Lyft is one of the leading ride share companies in the U.S. and is often evaluated as a marketplace.\n- Lucidchart is a growth stage SaaS company for diagramming, data visualization and collaboration.\nWhy it doesn’t work: Too generic, often doesn’t display a deep understanding of the market for this specific product\n|Example 1a: Lyft||Example 1b: LucidChart’s market|\n|“Lyft’s market size (“TAM”) is equal to the total spend on taxis and limos in the United States.”||“The total spend on cloud tools is $X billion and Microsoft Vizio’s revenues are $Y millions, so our TAM is $x+$y.”|\n|Better Approach: A bottoms-up approach that includes (1) the existing market (2) how Lyft’s approach (convenience, price, customer experience) would expand the current market (3) broader market trends (in this case, gig economy, proliferation of mobile devices) that would expand the current market.||Better Approach: A bottoms up approach that includes (1) your insight into the broader market trend (in this case, the # of SMEs in 2010 will 100x over the next 10 years), (2) your buyer persona, and (3) how Lucidchart is dramatically improving a free product with a product users are willing to pay for (SaaS model).|\nWhy it doesn’t work: Omits go to market (GTM) strategy\n|Example 2a: Lyft||Example 2b: LucidChart’s market|\n|“There are XX millions of people who can use Lyft. If they spend $Y on rides per year, then our TAM is $XY millions”.||“There are XX millions of people who could use LucidChart. If they pay us $Y per year, then our total addressable market is $XY millions.”|\n|Better Approach: Segment your markets by city size and key characteristics:\n||Better Approach: Segment your customers based on buyer persona. If the buyer is a company, you should segment the customer by company size:\nWhy it doesn’t work: Doesn’t illustrate your path toward more revenue ($10M, $100M, $500M) with reasonable market penetration (e.g., 1% vs 50%)\n|Example 3a: Lyft||Example 3b: LucidChart’s market|\n|“The TAM for Tier 1, Tier 2, and Tier 3 segments is $y. At 75% market penetration we will generate $xB in revenue.”||“The TAM for Enterprise+, Enterprise, and SME segments is $y. At 75% market penetration we will generate $xB in revenue.”|\n|Better Approach: Articulate your launch city and reasonable penetration for that launch city. Use that “launch playbook” to articulate expansion to X additional cities that look like your launch city until you reach $100M and then $500M in revenue with reasonable penetration rates (e.g., 5% per city). The idea is to “tell the story” of how your market and business model will unfold over time. ||Better Approach: Articulate your ideal buyer and in which segments those buyers exist. Then, articulate reasonable penetration assumptions for those segments, and how you will expand over time until you reach $100M and $500M in revenue. The idea is to “tell the story” of how your market and business model will unfold over time (e.g., # SMEs 10x in 10 years).  |\nWhy it doesn’t work: Top-line revenue or GMV leaves out the cost of delivering revenue and over inflates market size\n|Example 4a: Lyft||Example 4b: LucidChart’s market|\n|We need x Tier 1 cities with 2% market penetration each to hit $100M in GMV, and x Tier 1 cities and x Tier 2 cities with 1% market penetration to hit $500M in GMV.||We need x enterprise customers, and x SME customers paying us $y ACV, including one-time fees, with 10% market penetration to hit $100M in ARR. We expect ACV to 2x in 5 years and SMEs to 100x in 10 years so our market penetration in 10 years would be 0.1%.|\n|Better Approach: Calculate Lyft’s take rate on the GMV as revenue—GMV alone doesn’t reflect the value the company is capturing. Then, subtract the cost of delivering that revenue to calculate Lyft’s gross profit.||Better Approach: Many SaaS business models do not incur a lot of COGS. However, there are some mistakes to correct such as not breaking out annual recurring revenue vs. one-time revenue in your ACV and not including costs such as payment processing, customer support, hosting, etc.|\nAt Bling Capital, we believe your market sizing and narrative are interconnected. The exercise we often go through with founders are as follows:\nWhat do we need to believe for ‘Startup A’ to get to $100M and $500M, respectively, in gross profit?\n- How many customers (segmented) will you have and how much will they be paying you (annually)?\n- What is the margin on your revenue (ideally by customer segment )?\n- What percentage of the market does that represent? (essentially market share)*\nUsing the examples above, let’s go through market sizing for Lucidchart.\nWhat do we need to believe for Lucidchart to get to $100M and $500M in gross profit?\n- We segmented buyers based on company size. We have three tiers of buyers:\na. Tier 1 (Enterprise+) = 1000+ employee companies\nb. Tier 2 (Enterprise) = 100-1000 employee companies\nc. Tier 3 (SME) = 1-100 employee companies\n- Across all segments, there are 493K total companies in the US but we will focus on the 470K SME and Enterprise companies:\na. Tier 2: 75K companies (15%) are between 100-1000 employees\nb. Tier 3: 395K companies (80%) are between 10-100 employees\n- We have a SaaS freemium business model with 95% gross margins across segments. Our GTM is a product-led growth, with expansion driven by a sales organization.\na. Our goal average ACV for Tier 2 is $50K ($10K - $100K range), which is an average of 200 licenses per company per year ($250/year/license).\nb. Our goal average ACV for Tier 3 is $5K ($100-$20K range), which is an average of 50 licenses per company per year ($100/year).\n- Our immediate revenue opportunity with our current product is $5.6B and our path to $100M is clear: We need 2K Tier 2 customers paying us $50K per year (~2.6% of market), or 20K Tier 3 customers paying us $5K per year (~5% of market).\na. Tier 2: $3.7B TAM\nb. Tier 3 $1.9B TAM\n- Over time, as we launch more features (e.g., SSO), we will roll out to Tier 1 (Enterprise +) and implement playbooks to increase ACV across all segments. With just ~14% market penetration in this $9B TAM, we can reach $500M per year.\na. Tier 1: 23K * $150K = $3.4B (3.3K companies, or ~14%)\nb. Tier 2: 75K * $50K = $3.7B (10K companies, or ~12.5%)\nc. Tier 3: 395K * $5K = $1.9B (100K companies, or ~25%)\n- As extra credit, further segmenting their customer tiers based on actual or projected data points (e.g., engineering, product, design, marketing teams are core users for Lucidchart) shows an even deeper understanding of your market.\nWhen going through a market sizing exercise with entrepreneurs, we usually start with asking questions. These questions are meant to help founders segment their customers, understand and assess reasonableness of their own assumptions, and to sanity check whether the story makes sense – all of which will lead to inputs for building a venture scale business.\nLet’s do this together: Create a Google Doc and answer the following questions:\n- Who is the customer (or title of customer, or buyer), today AND tomorrow? These can be customers you serve today or, if you have not launched, customers you intend to serve.\n- What are the segments in your market where this customer exists? Divide your market into segments and define them.\n- How many of these customers exist per segment? What are the number of customers that are model customers in each segment? Does that change over time?\n- What were they doing before?\n- What is the hair on fire problem?\n- What are they doing now?\n- How is this 10x better?\n- How do you get them to pay you?\n- How much are they paying you / will they pay you? This should be your GMV, average order value (AOV), or average contract value (ACV) per customer per year.\n- What is the cost of delivering that revenue? Does that change over time?\n- What is the gross profit total for each segment? Does that change over time?\n- How many customers do you need to get to $100M and $500M in gross profit, and what percentage of the market (per segment) does that represent?\n- Then, show the path to do that (In one sentence, clearly summarize how big of a revenue opportunity we believe this to be for us in Year 1, 2, 3, 4, 5). How many customers in your market do you already have as customers or are currently talking to? How do you plan to get your first 10-100, 100-1000 customers (or 10x, 100x or 1000x your current customer base) at the current or future GMV, AOV, ACV?\nWith the answers to these questions, you should have inputs for your “business formula”, using our Market Sizing Template. We’re excited to see what you produce!\nMarket sizing helps you create a holistic and compelling narrative about your business, one that will resonate with investors and help you sharpen how you talk and think about your product evolution. Taking the time to deeply evaluate your market size with a solid methodology can be a key part of crafting a strong narrative.\n Consider these questions when segmenting your markets for a location-based GTM strategy: Is it by city or metro area? What is the characteristic of cities in each segment? How many cities exist in each segment? How much market penetration do you think you can realistically achieve in every market? When do you consider a city “activated” or “unlocked”?What is the TAM per city? How many cities in each segment do we need to unlock in order to achieve $100M and $500M in gross profit?\n Consider these questions when segmenting your customers for a subscription product: Do you sell top-down to businesses or through a bottoms-up product-led-growth (PLG) motion? Who is your ideal customer profile? Is it different from the buyer? At what size company does your buyer differ? What is the size of the company by number of employees? Can we organize these companies by segment? How many companies exist per segment? How much will they pay us and does it differ by segment? How will sales and marketing differ per segment? How much market penetration do you think you can realistically achieve in every logo per segment to achieve $100M and $500M in gross profit?\n Consider these questions when thinking about location-based GTM expansion and penetration: Which tier(s) will you focus on first? What is the hypothetical cost to launch a model city in each tier? How long would it take to hypothetically payback a model city in each tier? What is the reasonable goal penetration per model city in each tier? How many cities in each tier do you need to achieve $100M and $500M in gross profit? How do you anticipate growth over the next few years? Is this a small or large percentage of the total market? Is there room for more than one winner?\n Consider these questions when thinking about subscription GTM expansion and penetration: Which segment(s) will you focus on first? Will you be using a sales team and if so for which segments? How will sales and marketing channels differ per segment? What is the hypothetical cost to close a model logo in each segment? How long would it take to hypothetically payback a model logo in each segment? What is the goal penetration per model logo in each segment (e.g., x employees / seats per logo)? What is the path to achieving $100M and $500M in gross profit? How do you anticipate growth over the next few years towards these revenue goals? is this a small or large percentage of the total market? Is there room for more than one winner?\n Consider these segmentations for subscription businesses: Segment customers into logo size segments of SME (<10 employees), Enterprise (11-1000 employees), and Enterprise + (1000+ employees). Then, each segment’s logos should be assigned an ACV based on some reasonable assumptions; calculate total ACV per segment type as $xy, with x being the number of companies in the segment.", "domain": "finance"}
{"url": "http://kilcomchurch.org/contact-us/donate/", "date": "2022-08-20T06:22:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573908.30/warc/CC-MAIN-20220820043108-20220820073108-00554.warc.gz", "language_score": 0.8438296318054199, "token_count": 164, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__37289424", "lang": "en", "text": "Kilkenny Community Church is a registered charity. Our charity number is: CHY 9811. If you wish to support us or our activities, we currently have two options for you to make a donation to us:\n- By Electronic Fund (Bank) Transfer or\n- Through our PayPal portal.\nIf you wish to make a bank transfer, our bank account details are as follows:\nAccount number: 87554838\nSort Code: 990636\n- If you would like to transfer via PayPal, click on the button below and you will be taken to our PayPal portal where you can complete your donation. Thank you for your support!", "domain": "finance"}
{"url": "https://couchsurfingcook.com/deferred-revenue-is-revenue-that-is-quizlet/", "date": "2021-09-27T09:38:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780058415.93/warc/CC-MAIN-20210927090448-20210927120448-00705.warc.gz", "language_score": 0.9458020329475403, "token_count": 869, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__259760427", "lang": "en", "text": "A Deferred Revenue : A liability recognized once cash is got prior to the business is offered or prior to the items are shipped to customers.\nYou are watching: Deferred revenue is revenue that is quizlet\nA. Deferred profits are liabilities representing cash got for items not yet yielded or solutions to be percreated. Recognition of revenue occurs once the firm provides the good or business at which suggest the deferred revenue (liability) is diminished. These liabilities frequently are decreased in adjusting entries. For instance, a agency might prepare an adjusting enattempt to recognize rent revenue and also minimize unearned rent revenue.\nB. Cash representing revenue that will certainly be earned later on is attributed to among the complying with accounts, which are ssuggest various names for the exact same account:1. Deferred revenue;2. Unearned revenue;3. Revenue got in development. C. Each of the over accounts is a liability. CPA exam concerns in this area ask the candiday to determine the finishing balances of two accounts:1. Revenue to be well-known in income for the period; and2. The amount of unearned revenue to be reported in the balance sheet.\nD. Under the revenue recognition principle, revenue is not recognized unless it is (1) earned, and also (2) realizable. In the case of deferred revenue, the cash collection occurs before the income process is complete. Such revenue is widespread for firms that need partial or full payment before offering service. Examples include actual estate administration companies (unearned rent), publishing suppliers (magazine subscriptions) and also airline companies (flight liability).\nE. A licapability is well-known upon receipt of cash. As the organization or great is provided, the liability is extinguimelted bereason the revenue is earned. In many situations, the contract need not be fully executed before some revenue is recognized. In these cases, the revenue is recognized based on the percentage of the total contract that has been offered.\nExample:Duration Magazine Inc. collects subscriptions in advance from customers and also records deferred revenue. As magazines are spread over the subscription period, revenue is recognized. The beginning balance of deferred subscription revenue is $24,000. Throughout the year, $87,000 of cash is collected. At the end of the year, the firm calculates from subscription data that the subscription worth of magazines yet to be dispersed is $37,000. The adjusting entry to document revenue for the period is:Dr: Deferred Subscription Revenue 74,000 Cr:Subscription Revenue 74,000** $24,000 + $87,000 - $37,000 = $74,000\nExample:Journal entriesA tenant pays a building administration firm $24,000 for 2 years\" rent on August 1, 20x3 ($1,000 per month). The rental duration begins on that date and also the building management firm has a calendar fiscal year. Provide the journal entries for 20x3.Solution:Aug 1, 20x3 Dr:Cash 24,000 Cr:Unearned Rent 24,000Dec 31, 20x3 (adjusting journal entry)Dr:Unearned rent 5,000 Cr:Rent revenue 5,000$5,000 = $1,000 per month x 5 months August - December.The 20x3 earnings statement will reflect $5,000 of rent revenue. The finishing balance in unearned rent for 12/31/x3 is $19,000 ($24,000 - $5,000) of which $12,000 is a current liability (the percentage relating to 20x4), and also $7,000 is a nonpresent liability (the portion relating to 20x5).\nSee more: What Is Panda Milk Tea Of Presotea, Presotea: Panda Milk Tea And Taro Milk Tea Review\nYou might enrespond to situations in which firms need cash to be passist in breakthrough for some solutions, while for various other solutions the firm bills the customer after the company is provided. In this instance, both unearned revenue and accounts receivable must be analyzed to uncover the total revenue to be well-known for the period.\nHow are deferred revenues supposed to be earned more than one year from the balance sheet date classified?", "domain": "finance"}
{"url": "https://www.southlondonnotaries.com/what-is-a-power-of-attorney/", "date": "2023-11-30T09:47:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100184.3/warc/CC-MAIN-20231130094531-20231130124531-00348.warc.gz", "language_score": 0.9613613486289978, "token_count": 583, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__153521346", "lang": "en", "text": "What is a power of attorney?\nA power of attorney (POA) is a legal tool that allows an individual to appoint a family member, close friend or other person (an attorney) to manage certain legal and administrative activities on their behalf.\nThere are a number of situations where a power of attorney may be an appropriate solution, for example, to manage a person’s affairs while they are recovering from surgery, or to undertake business dealings on their behalf while they are out of the country.\nWhen setting up a power of attorney, the activities an attorney can undertake on an individual’s behalf can either be clearly defined, such as only being able to manage day-to-day finances, or left open to allow them to act in a wider variety of situations. A power of attorney is only valid as long as the person providing the authority has the mental capacity to oversee the activities being undertaken on their behalf.\nThere is also another type of power of attorney, a lasting power of attorney (LPA), which allows someone to act on a person’s behalf if they no longer have the mental capacity to manage their affairs.\nThe different power of attornies\nWhat’s the difference between a power of attorney and a lasting power of attorney?\nA lasting power of attorney is most appropriate for situations where the individual believes that they will lose their mental capacity at some point in the future, for example, through illness.\nThe key difference between this and the standard power of attorney is that it ‘lasts’ beyond the loss of mental capacity, whereas a POA ceases to be valid once the individual is unable to make their own decisions.\nA lasting power of attorney is available to cover an individual’s health and wellbeing, their finances and property, or both. A lasting power of attorney that covers an individual’s health can only be used once the individual has lost their mental capacity, whereas one designed to cover their finances and property can be used immediately after it has been registered, subject to the individual’s agreement.\nIf an individual has already lost the ability to make his or her own decisions, it’s not possible to set up a lasting power of attorney. Instead, the individual’s family will need to apply to the Court of Protection to become their deputies.\nHow can a notary help establish a power of attorney?\nA notary public is skilled in drafting and certifying the documents required to establish a power of attorney, including lasting powers of attorney.\nAt South London Notaries, we are experienced in the creation of power of attorney documentation for use in England, Wales and abroad. Get in touch with South London Notaries now to find out more about how a power of attorney could be of benefit to you, or to start the process of establishing a power of attorney.", "domain": "finance"}
{"url": "http://hustedia.com/sections/protecting-your-privacy-and-identity/", "date": "2013-05-25T13:49:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368705955434/warc/CC-MAIN-20130516120555-00083-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9591584801673889, "token_count": 1696, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__39884982", "lang": "en", "text": "When you discuss Identity Theft and protecting your privacy, most people think of credit card fraud, and perhaps check fraud. But protecting your identity in today’s world is much, much broader in scope which requires a bit more vigilance than it did just three to five years ago. Today, you not only have to protect yourself from financial crimes, but you also need to protect your identity in terms of your reputation and persona. Having your identity stolen and used improperly on a social network can be just as detrimental as having your credit card number stolen. You could be turned down for a job, college admission or apartment due to someone who has used your identity on a social networking site and posted obscene or illegal content. However, it’s just as bad if you personally post objectionable material on your social networking pages that will reflect poorly on you to individuals reviewing your applications and inquiries. This is why I am offering up this guide as an outline of tools and tips to help protect you out there. If there is one rule of advice I hope you take from this, it is that you can’t be paralyzed by fear and believe you are protecting yourself by avoiding social networks, online commerce, or other activities. Regardless of your participation in such activities, you are still vulnerable to having fraud committed in these realms and delivery channels. The most important advice I can give you is this, be responsible for yourself and take common sense precautions which I will outlined below in my 2 Rules to Identity Protection.\nIf you don’t review your banking and credit card transactions regularly, you are helping an identity thief commit fraud against you. In my day job, I find it remarkable how many phone calls I take from people who are inquiring about a Bill Payment transaction they sent three, four, or even six months ago. Did you not notice the money coming out of your account before now? If you don’t take a more active role in protecting your own identity, what makes you think others will?\nNot only must you review your statements, you should create an online account with your financial institution(s) in which you can track your transactions periodically throughout the month. Better still, use a financial software application such as Quicken in which you can setup regular online connections to your bank, credit union (best bet), credit cards, and other financial accounts. I use Quicken religiously, probably three to five times a week to update all my financial transactions ranging from checking to credit cards to loans and investments. I can see all of my account transactions and if anything out of the ordinary appears, I know it as the earliest time and can contact the appropriate institution or merchant to inquire or file a dispute against the transaction. I also scan all my receipts and important documents relating to transactions into Quicken. Quicken attaches these images to the relevant transaction so you don’t have to go looking for the receipt in that shoe box at the bottom of your closet!\nAt the absolute very least, you should pull your personal Credit Report every six months. This way you can see if any fraudulent accounts have been opened in your name. It is also provides you with the benefit of looking over your information that is contained in your credit report for accuracy. Credit Bureaus have to correct any incorrect information that you find in your credit report. The more information you have available and at your disposable to make your claim, the better. You should pull reports from all three of the major reporting agencies. The contact information for these agencies are available on the Darkcyte Resources page.\nAnother item I would like to mention under Rule #1 is that of credit monitoring services. This is a controversial subject in which many people are polarized on. Some believe the monitoring services are a rip-off while others believe they provide a valuable service to the consumer. I am not going to review monitoring services here, but please do know that not all services are created equal! Many of the ‘free’ credit report sites require you to sign up for their credit monitoring services. All the major credit reporting agencies must provide you with a free credit report annually, without any strings attached. So do not fall for any services you do not wish to try or pay for. Personally, I do subscribe to a service through American Express. I’ve been using this service for close to a decade and costs about $20 per month to monitor both myself and my wife. We are provided not only with alerts for any changes to our credit profiles on all three major credit reporting bureaus, but we can also pull all three reports at any time, as often as we like. I take comfort in receiving my monthly email from them informing me that no new information has been reported to my file. For me, it’s well worth the $20 a month, but you will have to decide for yourself whether it’s a value to you or not.\nOne last comment on this subject in regards to monitoring services. I’m sure you’ve seen the commercials for services such as LifeLock which guarantee your identity and offer “Identity Theft Insurance” protection if you become a victim of Identity Theft while using their services. Again, I am not going to review individual services here, but you want to do your homework on these companies and make sure they are doing everything they are promising they are doing. Often, you can do these things on your own for little or no cost. However, it isn’t always convenient to do so and you also have to remember to renew some items on a periodic basis to maintain the protection. Such is the case with putting a fraud alert on your credit files. It may be easier to pay a service to keep this protection in place along with their other services.\nThere are warning signs to be alert for that may tip you off that you are on the verge of becoming a victim of Identity Theft, or that you already are one.\nThere are numerous activities you can perform to help prevent you from becoming an identity theft victim.\nIf you believe you are a victim, follow these steps:\nStep 1: Contact the credit bureaus - Contact the fraud departments at each bureau. Explain that you are a victim of identity theft and that you would like to be contacted personally before any credit is issued in your name. Again, the contact information for the three major credit reporting agencies is available here on the Darkcyte Resources page.\nStep 2: Obtain a copy of your credit report - If you have a monitoring service which provides you with free reports, do so immediately. If not, order your credit report from each agency to check for accounts that may have been fraudulently opened in your name. If you are a victim of identity theft, or even potentially a victim, you are entitled to a free copy of your credit report from each of the bureaus. It is important that you get a copy from each of the bureaus because they are not always identical.\nStep 3: Contact your local authorities & file a police report - You will always be taken more seriously by financial institutions and companies when you have a copy of a police report.\nStep 4: Contact your Postmaster - You will want to file an official report with your post office if you believe your mail is vulnerable to theft. If you believe you were a victim due to the theft of your mail, make an official report to your local Postmaster.\nStep 5: Contact the Social Security Administration and your DMV - If you believe your Social Security number has been compromised, you will want to contact the Social Security Administration and speak to someone about potentially having your Social Security Number changed. You will want to do the same at your local Department of Motor Vehicles if you believe your driver’s license number has been compromised.\nStep 6: Contact the financial institutions and companies that granted credit in your name - Call the financial institution or issuing company to obtain the name of the individual, title, and mailing address for whom you should speak in regards to fraudulent activities. Although it is fine to speak to them ahead of time, make sure you communicate with them in writing so that you can maintain verifiable records. I suggest sending items via certified letters or at least via FedEx or UPS so that you have a record of the mailing. Get ALL promises of action in writing, insist upon it.", "domain": "finance"}
{"url": "https://www.darwinldv.com.au/finance/", "date": "2024-02-27T15:48:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474676.79/warc/CC-MAIN-20240227153053-20240227183053-00637.warc.gz", "language_score": 0.8784798979759216, "token_count": 378, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__111978233", "lang": "en", "text": "Darwin LDV Finance\nWelcome to the Finance Department at Darwin LDV. Here you can use our online form to get a quick and accurate response on financing your next vehicle.\nOur Finance Services Include:\n- Corporate Lending\n- Novated Leases\n- Consumer Lending\n- Extended Warranties Available\n- Motor Vehicle Insurance\n- Boat Insurance\n- Motorbike Insurance\n- Loan Payment Protection\n- Tyre and Rim Insurance\nOur business managers have a great knowledge of all the above products and are always available to attend to your business and personal finance needs.\nONE Phone Call or email\nfor your entire financing needs\nSEND AN ENQUIRY NOW TO THE TEAM AT firstname.lastname@example.org\nOR PHONE US ON (08) 8946 4770,\nWhy Use Darwin Motor Group Finance & Insurance?\nDarwin Motor Group provides loans and insurance with term options ranging from 12 months to 7 years and allows repayments to be tailored to individual requirements.\nSome of the benefits include:\n- Fast finance.\n- Competitive rates so you don't pay more than you have to with flexible terms to fit your budget.\n- Easy to deal with when making your purchase decision means less delays and easier paperwork.\n- Professional staff with excellent knowledge of the available products to suit your requirements\n- Flexible deposits mean an affordable initial outlay.\n- The monthly repayment is calculated using fixed interest rate.\n- We also have access to many major lenders and insurance companies. This enables us to tailor a competitive finance package specifically for you.\n- Finance Problems? Our team can work with you to help you overcome previous finance problems.\nDarwin LDV - Sales\n364 Stuart Highway,Winnellie, DarwinNT0820\nPhone: (08) 8946 4444", "domain": "finance"}
{"url": "https://www.campquestcolorado.org/registration-guide", "date": "2019-12-15T19:39:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541309137.92/warc/CC-MAIN-20191215173718-20191215201718-00158.warc.gz", "language_score": 0.9593231678009033, "token_count": 168, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__140474864", "lang": "en", "text": "Registering for Camp is a snap!\nThe price of camp is now $650. We've left behind our tiered payment system and moved to this fixed price because we want to ensure our sustainability. We maintain a strong interest in keeping camp accessible to as many campers as possible! If you have any questions about where the money for camp goes, please click on the \"Contact\" link at the top of the screen.\nThe card you enter in the link below will be charged a $75 deposit on June 1st (if you register prior to that date) with the remaining $575 charged on July 1st. If you register after June 1st, you will be charged the entirety of the $650 on July 1st.\nClick the link to begin!!! The Cal-Wood website will appear in a new window:", "domain": "finance"}
{"url": "https://www.chrisdouthit.com/", "date": "2024-04-23T02:11:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818452.78/warc/CC-MAIN-20240423002028-20240423032028-00023.warc.gz", "language_score": 0.9393236637115479, "token_count": 350, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__61974655", "lang": "en", "text": "NO.1 Option Strategies Course on the Internet\nFor the first time ever I'm giving away my highly rated beginnings options course showing exactly how I profit consistently in the market.\nEXTRA BONUS - Free Risk Reversal Book Included!\nHi, I'm Chris Douthit, industry leading stock and option strategist. To make the best returns in today’s market, you have to learn the trade options. Implementing one simple options strategy into a portfolio allows for higher returns while hedging against potential pullbacks.\nHow options work and how money is made. Our goal is to continuously beat the market by understanding the strategies that produce a high probability of success.\nIt’s important to know what is at risk and probability of all aspects of the trade, including how to adjust when necessary.\nOur trading style has a high success rate and does not require constant attention so you can spend the bulk of your time doing what you love.\nCombining option strategies together for advanced positions that reduce risk and increase probability of success.\nI have been on a mission to learn options, it started a few years ago when I bought a book off Amazon, but soon found it to be too confusing to continue. Then about six months ago I watched one of your competitors’ courses and it wasn’t much better, it was just a lot of talk and words on the screen. I then somehow found Option Strategies Insider, and am I glad I did. You did an excellent job of taking a complicated topic and making it easy for anyone to understand. Amazing presentation, I am so glad I found your site.\n© Copyright ChrisDouthit.com. All Rights Reserved.", "domain": "finance"}
{"url": "https://www.shelaughswithoutfear.com/blog/money-making-mom", "date": "2024-02-24T12:28:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474533.12/warc/CC-MAIN-20240224112548-20240224142548-00432.warc.gz", "language_score": 0.9832738041877747, "token_count": 426, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__34082119", "lang": "en", "text": "I don't normally read a lot of books like Money Making Mom i.e. books about frugal living and making money for your family (although I do read my fair share of deal blogs). However, I've been following Money Saving Mom for years, which is run by the same woman that wrote Money Saving Mom, Crystal Paine. So when Money Making Mom became available on Book Look Bloggers, I jumped at the chance to read it.\nI don't know what I was expecting from this book: maybe ideas on how to create an income for a family, money making tips, how to grow a blog. What I found was even better. Crystal does go into details about how to make extra income for your family, and she gives ideas for businesses or things that you can do to make additional money. But that's not exactly the heart of her book.\nThe heart of Crystal's book is how to live intentionally with your finances and in thinking through ways to make additional income. She asks questions like: what are you passionate about, why do you want to make additional income, and how can you bloom where you're planted?\nI didn't read this book with the mindset of wanting to make an additional income, but I gained so much from it. I especially appreciated the chapters that Crystal focused on giving and how our finances are a blessing that allows us to bless others. I was deeply challenged and encouraged by the stories to share to think through how I could bless even more people with the income that God has provided for me.\nWhat makes this book even better is Crystal's honest stories from her own life and the lives of others as well. She shares her own struggles and failures, but she also shares encouraging stories about women and men that have used their finances to impact the lives of many.\nI highly recommend this book for moms that are thinking through ways to make an additional income, but also for those that just want a read to help them think through what they're passionate about and how to live their life intentionally.\nCopyright © 2014 - 2023\nShe Laughs Without Fear", "domain": "finance"}
{"url": "https://bettertruckdrivingjobs.com/infrastructure-improvements/", "date": "2024-04-12T14:04:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00494.warc.gz", "language_score": 0.9648619294166565, "token_count": 1455, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__193871711", "lang": "en", "text": "Even in countries as prosperous as the United States, over 47,000 bridges across the nation were found to be structurally deficient, based on a report from the American Road and Transportation Builders Association. The current pace of our repairs will need an amping up, or the estimation for repairing them will take over 80 years before we have serviced all of them. Some of the notable bridges on this list include:\nThe infrastructure problem plaguing the United States has many people worried, and Connecticut Governor Ned Lamont has snapped into immediate action to try to address the issue. Lamont, Senator Carlo Leone and Representative Roland Lemar have all drawn up an updated version of their transportation infrastructure investment proposal. Connecticut’s problem with their bridges comes from the increased traffic on the bridges. For example, they originally designed Interstate 84 as a location for 50,000 vehicles every day.\nThat number shot through the roof at 200,000 vehicles driving over the bridges. One of the problems comes from how train travel within the United States has fallen into disrepair, and we see a much slower rate of travel in this way than what we saw during the 1970s.\nAddressing the Problem\nIt’s estimated that construction companies built 235,000 bridges across the United States. With 47,000 rated as structurally deficient, that makes up an estimated 38 percent of all bridges. This means infrastructure funding for the bridges will need to do structural repairs, replacement or rehabilitation. The five states with the worst problem for structurally deficient bridges include:\n- Rhode Island – 23%\n- West Virginia – 19.8%\n- Iowa – 19.3%\n- South Dakota – 16.7%\n- Pennsylvania – 16.5%\nMost people agree that more infrastructure funding needs to be raised because of how our infrastructure has begun to fail us. Snapping into action while minimizing the taxpayer burden has become the primary approach. As much as possible, we want to repair the damaged bridges while keeping the taxes as low as possible while doing it.\nHow to Lower the Cost\nOne of the ways that we could lower the cost of repairing these bridges could come through “P3s” (Public-private partnerships). In fact, in Connecticut, one proposal has received bipartisan support for rebuilding our transportation infrastructure. At the same time, the advantage of this comes from how it attracts private investments through public-private partnerships. Public-private partnerships have turned popular all across the globe because of how it delivers transportation projects at a much lower cost to the American taxpayer.\nAt the same time, the service has been improved, and we see superior construction, operation, and design. By moving the accountability over into the private sector, they have lowered the cost, and they will get access to it much quicker.\nThe United States government, unfortunately, has a poor track record when it comes to major projects. One example of this comes from the “Big Dig” of Boston. This became the most expensive road project in American history, costing $24.3 billion\nThrough the P3 system, we can get ahead of the problem. In Pennsylvania, for example, they are using the P3s as a way of saving the American taxpayer up to $200 million. The project will also reach its deadline after a five-year period, which puts them 15 years ahead of schedule for bridge repairs.\nThe Critics of P3s\nDespite the positive, we should also highlight the negatives of the P3s. For example, some critics of the P3s say that corruption could become a real risk of these projects. It could disadvantage the American taxpayer, eventually. One of the ways that they plan to address the corruption issue comes from using a highly transparent bidding process and responsive audits and inspections. Another problem comes from how it could be the jobs of state employees at risk if they choose to replace them with P3s. Some of these fears could be unfounded, however, because some people believe that the workload for state employees could even skyrocket because of the P3s. That’d be because they’d have more work projects that they would have to complete.\nFlooding: Damages to the Infrastructure\nDamage to the bridges often comes from flooding that causes road erosion. Keeping floods from overcoming our bridges is next to impossible considering how mother nature plays a huge role in this. However, one of the ways that we can combat road erosion comes from strengthening the bridges to prepare for flooding. For example, using materials like carbon fiber could help to make the bridges stronger.\nRural Bridges the Biggest Problem\nIf we were to look at the specific problem where it stands, rural bridges are where the most significant challenge lies in the structurally deficient bridges. Many of the states like Iowa and South Dakota are rural locations, which have the biggest problem with their bridges. Thousands of bridges have issues in these parts due to a lack of funding. We need to do our best to address this problem as quickly as possible. Doing a better job at diagnosing the problem right from the get-go could also help with taking care of these bridge problems. An estimate of 69,000 bridges across the nation have a “posted for load” sign on it. They have put these signs up as a way of lowering the amount of stress on these bridges. However, no one is saying that load testing will provide us with a complete solution.\nWhat States Have the Best Bridge Quality?\nNow that we have mentioned the top five states with the worst bridge infrastructure, why not look at the top five states with the best bridge quality? The states with the best bridge infrastructure include:\nAggressively Grow and Protect American Bridges\nARTBA has set a goal to aggressively grow and protect the infrastructure funding so that it remains in good condition for years to come. To repair all the bridges across the nation, experts estimate that it will cost around $171 billion. These are the bridges that have currently been defined as deficient. Luckily, when it comes to the American infrastructure, Donald Trump and the Democratic party both agree that American infrastructure needs to be improved. In particular, keeping the bridges in working condition could have a positive impact over the long term. The problem has become so dire that some American candidates have even focused on improving the infrastructure. For example, Minnesotan Democratic candidate Amy Klobuchar made this the focus of her campaign.\nThe US government doesn’t have a magical way that they can pay for the funding of the American bridges. The structurally deficient bridges will need someone to pay for them. Unfortunately, the funding has been woefully lacking in this area. However, both Democrats and Republicans have joined hands in an effort to handle the problems with the bridges. One of the ways that they could pay for the crumbling US infrastructure could come from another gas tax. The U.S. Chamber of Commerce has requested to increase the gas tax by $0.25 per gallon. This will help to fund some of the infrastructure projects within the United States so that we can have better roads.", "domain": "finance"}
{"url": "https://www.naudasskola.lv/en/about-visitors-centre", "date": "2020-09-23T08:48:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400210616.36/warc/CC-MAIN-20200923081833-20200923111833-00133.warc.gz", "language_score": 0.9770433306694031, "token_count": 168, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__107442698", "lang": "en", "text": "The objective of the \"Money World\" is to raise public awareness of the ways money is circulated and of its importance in the economy. We would like to encourage visitors to recognise their own role in the never-ending money flows, use them and reasonably conquer them by making them work in the interests of people.\nThe display has been created for visitors having certain preliminary knowledge at least at the primary school level. However, its content is easy to grasp and of use for a person of any age who uses money and is interested in its ways of influence.\nInformation is provided in Latvian, Russian and English, thus the \"Money World\" can be fully appreciated by both inhabitants of Latvia and foreign guests.\nThe building of Latvijas Banka and the premises of the display are accessible also to persons with reduced mobility.", "domain": "finance"}
{"url": "https://www.metro.us/smart-cards-take-another-step-forward/", "date": "2020-07-05T08:19:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655887046.62/warc/CC-MAIN-20200705055259-20200705085259-00030.warc.gz", "language_score": 0.93696528673172, "token_count": 528, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__67120038", "lang": "en", "text": "ETS’ transit smart card project — code named “ETSBlue” — just took\nanother step forward, with a business case report being sped back to\ncommittee before budget season.\nI can’t help but be excited, and not just because I’m an insufferable transit fanboy with a smart card collection that includes San Francisco’s TransLink, London’s Oyster, and Tokyo’s Suica and Pasmo.\nFor those unfamiliar with the concept, tapping the fare card against readers on buses and at stations takes care of free transfers, monthly passes, and cash payments to different transit agencies.\nThere are usually perks to entice people to use the cards since the transit agency benefits from reduced fare collection costs and valuable trip data for planning schedules.\nPerks can include maximum daily fares — never being charged more than the price of a day pass — and discounts from cash and ticket prices.\nCurrently, 20 per cent of ETS fares are paid with cash. While the cash option is important, it can really slow buses down.\nPilot project surveys suggest that seniors and others with limited mobility find it easier to pay by smart card. However, the system needs to be designed so Edmontonians living paycheque to paycheque won’t be left out.\nThose privileged enough to have both a credit card and Internet access can benefit from automatic subscriptions, making the monthly pass-buying routine a thing of the past.\nBut for those without much more than a few dollars at a time, a network of vending machines and retail outlets rivalling those currently in place for tickets and passes will be a must.\nThe necessary infrastructure isn’t free: In addition to vending machines and card distribution, every bus will need a card reader — two if the city wants to allow back-door boarding.\nThe cost is estimated at $24 million over four years, but it should pay for itself in another nine.\nThe savings include reducing fare evasion and handling costs — an agency the size of ETS needs to deal with millions of paper transfers and hundreds of tonnes of coins in a year, for example.\nWhile deciding whether a ride is worth the cash or tickets is a big turnoff for transit, I actually have the opposite problem with smart cards: The stupid things make paying for transit so easy and convenient that I almost forget I’m spending money.\nBut since this just means increased ridership for the system, I’m willing to concede that’s a pretty good problem to have.", "domain": "finance"}
{"url": "https://theagsnews.com/2023/04/24/nbs-petrol-price-up-by-42-63-per-litre-in-one-year/", "date": "2023-11-29T21:43:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100146.5/warc/CC-MAIN-20231129204528-20231129234528-00233.warc.gz", "language_score": 0.9657101631164551, "token_count": 450, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__299224712", "lang": "en", "text": "National Bureau of Statistics (NBS) has released its Petrol Price Watch report for March 2023, indicating that the average retail price of petrol per litre has risen to N264.29 from N185.30 in March 2022. This represents a 42.63% increase in petrol prices year-on-year. On a month-on-month basis, the average price increased by 0.20% from N263.76 in February 2023.\nImo state had the highest average retail price of petrol per litre at N332.67, followed by Taraba at N330.00 and Borno at N324.55. Benue had the lowest average retail price of N195.00, followed by Plateau at N196.79 and Nasarawa at N197.50.\nThe NBS also released its Diesel Price Watch report for March 2023, showing that the average retail price of diesel increased by 55.90% year-on-year. The price rose from N539.32 per litre recorded in March 2022 to N836.81 per litre in March 2023. On a month-on-month basis, the average price increased by 0.47% from N836.91 per litre recorded in February 2023.\nBauchi had the highest average diesel price at N910.46 per litre, followed by Abuja at N889.44 and Adamawa at N880.33 per litre. Bayelsa had the lowest average price at N768.04 per litre, followed by Katsina at N779.78 per litre and Edo at N797.14 per litre.\nThe analysis by zone revealed that the South-East had the highest petrol price at N306.00 per litre, while the North-Central recorded the lowest at N205.10 per litre.\nThe North East had the highest diesel price at N856.42 per litre, while the South-South had the lowest at N816.92 per litre. The report indicates that the prices of petrol and diesel continue to rise, putting pressure on Nigerians, particularly those with low incomes.", "domain": "finance"}
{"url": "https://www.ascentsolar.it/ir-corporate-governance-ethics.html", "date": "2022-10-01T18:36:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030336880.89/warc/CC-MAIN-20221001163826-20221001193826-00740.warc.gz", "language_score": 0.9282834529876709, "token_count": 471, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__13958202", "lang": "en", "text": "Principles Governing Professional and Ethical Conduct\nIt is the policy of Ascent Solar Technologies, Inc. (the “Company”) that the Company’s Chief Executive Officer, Chief Financial Officer and other senior finance and accounting staff with responsibility for maintaining accounting records, preparing financial statements, preparing and filing reports with the Securities Exchange Commission (“SEC”) and making other public communications regarding the Company adhere to, advocate and promote the following principles:\nThe persons subject to this Code are required to acknowledge and agree to the foregoing and deliver a copy of such acknowledgement to the Company’s Audit Committee. The Corporate Secretary will maintain this acknowledgement with the Company’s corporate records.\nReporting and Treatment of Violations\nPersons who become aware of suspected violations of this Code should report such suspected violations promptly to the Audit Committee, who will forward such report to the Company’s Board of Directors. To assist in the response to or investigation of the alleged violation, the report should contain as much specific information as possible to allow for proper assessment of the nature, extent and urgency of the alleged violation. Without limiting the foregoing, the report should, to the extent possible, contain the following information:\nThe Audit Committee shall have the power to monitor, investigate, make determinations and recommend action to the Board of Directors with respect to violations of this Code. In determining whether a violation of this Code has occurred, the Audit Committee may take into account:\nConsequences of Violations\nIf a violation is substantiated, the Board of Directors, upon the recommendation of the Audit Committee, may impose such sanctions or take such actions as it deems appropriate, including, but not limited to, the following:\nRequests for Waivers and Changes in Code\nA waiver of a provision of this Code shall be requested whenever there is reasonable likelihood that a contemplated action will violate the Code. Any waiver (including an implicit waiver) that constitutes a material departure from a provision of this Code shall be publicly disclosed on a timely basis, to the extent required by applicable rules and regulations of the SEC. In addition, any amendments to this Code (other than technical, administrative or other non-substantive amendments) shall be publicly disclosed on a timely basis, to the extent required by applicable rules and regulations of the SEC.", "domain": "finance"}
{"url": "https://gbebrokers.com/platforms/download-metatrader4-mt4-windows/", "date": "2021-04-16T23:46:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038092961.47/warc/CC-MAIN-20210416221552-20210417011552-00018.warc.gz", "language_score": 0.8843696117401123, "token_count": 186, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__187419889", "lang": "en", "text": "Trade with GBE brokers\nTrading FX and CFDs is risky. Retail Clients are covered with negative balance protection.\nMetaTrader 4 for Windows\nWe have improved MetaTrader 4 and expanded its functions significantly. Not only does the new version from GBE brokers work much faster, it has direct access to the interbank market. This enables orders to be placed in real time, i.e. with minimum latency, without external applications for data comparison and without automatic account synchronization.\nMetaTrader 4 (MT4) from the software expert MetaQuotes is the most popular software for currency trading worldwide. MT4 combines a user-friendly interface with powerful functions and tools. The software has efficient and extensive analytical tools and indicators for technical chart analyses of exchange rate trajectories. MT4 offers the option of a simple programming language (MQL4 – MetaQuotes Language) to develop and apply automated trading programs.", "domain": "finance"}
{"url": "https://foodstamps-program.com/looking-for-more-assistance-consider-these-other-assistance-programs-3/", "date": "2023-12-05T11:43:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100551.17/warc/CC-MAIN-20231205105136-20231205135136-00434.warc.gz", "language_score": 0.9370483160018921, "token_count": 557, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__140564905", "lang": "en", "text": "We now turn our attention to Supplemental Security Income (SSI), a lifeline for some of the most vulnerable members of our society. SSI is a federal program that provides financial assistance to individuals with limited income and resources, particularly those who are elderly, disabled, or blind. Let’s delve into what SSI is, why it’s significant, how to qualify, and the benefits it offers.\nWhat is SSI?\nSupplemental Security Income (SSI) is a federal assistance program administered by the Social Security Administration (SSA). It is designed to provide financial support to individuals who have limited income and resources and meet specific disability or age criteria. SSI aims to ensure that these individuals have the means to meet their basic needs, such as food, shelter, and clothing.\nThe Significance of SSI\nSSI plays a critical role in addressing the financial challenges faced by vulnerable individuals in our society. It provides a safety net for those who are unable to work due to age, disability, or blindness, ensuring they have access to the essentials required for a dignified life. Without SSI, many recipients would struggle to afford even the most basic necessities.\nTo qualify for SSI, individuals must meet specific criteria related to income, resources, and disability or age. Income and resource limits can vary by state, so it’s essential to check your local regulations. Generally, eligible recipients include:\n- Individuals who are aged 65 or older.\n- Blind individuals.\n- Disabled individuals of any age who are unable to engage in substantial gainful activity (SGA).\nSSI considers various factors when determining eligibility, including household income, assets, and living arrangements. Applicants must also be U.S. citizens or eligible non-citizens.\nThe application process for SSI involves contacting your local Social Security office or applying online through the SSA’s website. Be prepared to provide detailed information about your financial situation, medical conditions, and living arrangements. The SSA will evaluate your application to determine eligibility and the amount of assistance you may receive.\nBenefits of SSI\nSSI provides a monthly cash benefit to eligible recipients, helping them cover essential expenses such as housing, food, and clothing. In addition to the financial support, SSI recipients may also qualify for Medicaid, which can help cover healthcare costs. This comprehensive assistance package aims to improve the quality of life and well-being of vulnerable individuals.\nSupplemental Security Income (SSI) stands as a vital program that ensures financial support for those who need it most. By providing assistance to elderly, disabled, and blind individuals with limited income and resources, SSI helps them maintain their independence and dignity.\nBy Admin –", "domain": "finance"}
{"url": "http://arweb.sdsu.edu/es/registrar/feepayment.html", "date": "2017-04-28T11:57:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122955.76/warc/CC-MAIN-20170423031202-00360-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9302716255187988, "token_count": 1460, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__2166341", "lang": "en", "text": "FEE PAYMENT OPTIONS\n- Electronic Check (ACH)\n- Credit Card\n- Financial Aid Deferment\n- Registration Fee\n- Third Party Billing/Approved\n- CSU Fee Waivers\nCheck your \"My Registration Info\" for your specific payment due date. Your payment MUST be made prior to your registration date; otherwise you will not be able to register on time.\nYou may pay your registration fees, out-of-state or foreign tuition, and other charges using the ACH payment option. This is just like writing a check, but you will make the payment online. There is no additional charge for this option.\nStudents are able to use MasterCard, American Express, and Discover Card only through the online service of CashNetT SmartPay, SDSU's secure third-party vendor. The University Cashiers Office does not accept credit cards for payment of registration fees or tuition (foreign or out-of-state), except as applicable under the terms of the Installment Plan. Therefore credit card payments can only be made online.\nYou can access CashNetT SmartPay to pay registration fees via the WebPortal. Payments made via CashNetT SmartPay are received by the University Cashiers Office no later than the next business day, so the registration process is not delayed. CashNetT SmartPay assesses each customer a service charge based on the transaction amount. See the Web site for more details.\nMasterCard, VISA, American Express and Discover Card charge cards are accepted for other payments, such as Housing, Parking, Health Service, Continuing Education, and miscellaneous over-the-counter payments. Students are reminded that banks will provide cash advances against credit cards if needed to cover registration payments. Most ATM cards are also accepted for payment of miscellaneous charges.\nFees may be paid in full by personal check, money order, or certified funds. Checks should be made payable to SDSU. In order to have fees processed on time, print the fee payment coupon found in the SDSU WebPortal and submit it (via mail or Cashiers drop box) with your payment prior to your registration fee payment deadline. Your fee payment deadline is located in your \"My Registration Info\" in your portal account.\nChecks are accepted for the exact amount of the payment. Overpayments of $5.00 or less are refunded only upon request. If your check for registration fees or tuition is returned by the bank to the University Collections Office for any reason, your registration may be cancelled and you will be billed a $35.00 dishonored payment charge and a $20 late fee.\nThe university reserves the right to refuse payments by personal check from those individuals who have previously had items returned unpaid by their bank. Refunds may be applied against other amounts due the university.\nThe \"My Registration Info\" online service will tell you if you are eligible to postpone payment of your registration fee (and tuition, if applicable). Postponing payment of your registration fee will be automatic - you do not need to submit any forms. Your registration fee will be deducted from the first disbursement of your financial aid at the beginning of the semester.\nYou can also check your eligibility to postpone fee payment by logging on to www.sdsu.edu/financialaid and selecting AidLink. If your financial aid award is reduced or becomes unavailable FOR ANY REASON, you must pay your fees IN FULL by the census date.\nIf you are NOT eligible to postpone the payment of your fees, DO NOT WAIT until your registration access date to find out you cannot register.\nRegistration fees due for the semester may be paid in installments. There is a nonrefundable service charge for the Registration Fees Installment Plan; the service charge is paid prior to registration, along with an initial payment. Parking fees and other miscellaneous fees may not be paid in installments.\nHow do I sign up for the Registration Fee Installment Plan?\nA Registration Fee Installment Plan Contract can be printed from \"My Registration Info.\" Read the contract and related information carefully. The Registration Fee Installment Plan is essentially a loan, and it is important that you understand the terms of the contract.\nComplete all sections of the contract (incomplete information will delay processing and may delay access to registration). Amounts due for registration fees will be adjusted based on the units in which you actually enroll.\nSign and date the contract, and return the contract to SDSU Cashiers Office, with a check in the appropriate amount made payable to San Diego State University, prior to your fee payment deadline.\nSee the current Class Schedule for current Installment Plan fees.\n*A separate installment plan is available for the payment of nonresident (out of state and foreign) tuition. Students who wish to pay their tuition in installments should contact the University Cashiers Office at (619) 594-5253 or firstname.lastname@example.org. Service charges equal to 15% of each installment payment are assessed. Students can avoid the service charges by paying their tuition in full prior to the first day of classes.\nIf an outside agency (agency, government program, Employee Fee Waiver, etc.) is paying all or part of your registration fee, you will need to print your fee payment coupon from \"My Registration Info\" and return it and a copy of your authorization letter to the University Cashiers Office. Failure to do so will result in your fees being deducted from your financial aid award. Students submitting authorization to bill a third party for their fees will be held responsible for the payment if the third party agency fails to pay the fees within the semester of attendance.\nVocational Rehabilitation (Chapter 31) and Eligible Dependents of Deceased or Disabled Veterans\nVeterans receiving vocational rehabilitation benefits (Chapter 31), and eligible dependents receiving the Cal Vet Fee Waiver, must obtain their fee waiver authorization at the Veterans Office in the Office of the Registrar (SS-1641) and submit it to the University Cashiers Office along with all applicable fees on or prior to their fee payment deadline.\nOver 60 Fee Waiver Program\nSan Diego State University offers a fee waiver program for California residents 60 years of age or older. Both undergraduate and postbaccalaureate students may participate in the program. The program waives the $55 admission application fee and regular registration fees (except for a nominal $13 fee per semester). Participants must apply for admission during the regular application filing period and be admitted under regular SDSU admission requirements. Participants register for classes on a space-available basis after regularly matriculated students have completed registration. For additional information, contact the Prospective Student Center.\nAlan Pattee Scholarships\nChildren of deceased public law enforcement or fire suppression employees who were California residents and who were killed in the course of law enforcement or fire suppression duties are not charged system-wide mandatory fees or tuition at any California State University campus, according to the Alan Pattee Scholarship Act, California Education Code, Section 68121. Students qualifying for these benefits need to contact the Office of the Registrar, which determines eligibility.", "domain": "finance"}
{"url": "https://www.cesiumwaters902.click/wiki/Michele_Marsh_(actress)", "date": "2023-12-06T15:07:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00676.warc.gz", "language_score": 0.9048776626586914, "token_count": 1659, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__35842873", "lang": "en", "text": "The PCE price index (PePP), also referred to as the PCE deflator, PCE price deflator, or the Implicit Price Deflator for Personal Consumption Expenditures (IPD for PCE) by the Bureau of Economic Analysis (BEA) and as the Chain-type Price Index for Personal Consumption Expenditures (CTPIPCE) by the Federal Open Market Committee (FOMC), is a United States-wide indicator of the average increase in prices for all domestic personal consumption. It is benchmarked to a base of 2012 = 100. Using a variety of data including U.S. Consumer Price Index and Producer Price Index prices, it is derived from the largest component of the GDP in the BEA's National Income and Product Accounts, personal consumption expenditures.\nThe personal consumption expenditure (PCE) measure is the component statistic for consumption in gross domestic product (GDP) collected by the United States Bureau of Economic Analysis (BEA). It consists of the actual and imputed expenditures of households and includes data pertaining to durable and non-durable goods and services. It is essentially a measure of goods and services targeted towards individuals and consumed by individuals. The less volatile measure of the PCE price index is the core PCE (CPCE) price index, which excludes the more volatile and seasonal food and energy prices.\nIn comparison to the headline United States Consumer Price Index (CPI), which uses one set of expenditure weights for several years, this index uses a Fisher Price Index, which uses expenditure data from the current period and the preceding period. Also, the PCEPI uses a chained index which compares one quarter's price to the previous quarter's instead of choosing a fixed base. This price index method assumes that the consumer has made allowances for changes in relative prices. That is to say, they have substituted from goods whose prices are rising to goods whose prices are stable or falling.\nPCE has been tracked since January 1959. Through July 2018, inflation measured by PCE has averaged 3.3%, while it has averaged 3.8% using CPI. This may be due to the failure of CPI to take into account the substitution effect. Alternatively, an unpublished report on this difference by the Bureau of Labor Statistics suggests that most of it is from different ways of calculating hospital expenses and airfares.\nIn its \"Monetary Policy Report to the Congress\" (\"Humphrey–Hawkins Report\") from February 17, 2000 the FOMC said it was changing its primary measure of inflation from the consumer price index to the \"chain-type price index for personal consumption expenditures\".\nComparison to CPI\nThe differences between the two indexes can be grouped into four categories: formula effect, weight effect, scope effect, and \"other effects\".\n- The formula effect accounts for the different formulas used to calculate the two indexes. The PCE price index is based on the Fisher-Ideal formula, while the CPI is based on a modified Laspeyres formula.\n- The weight effect accounts for the relative importance of the underlying commodities reflected in the construction of the two indexes.\n- The scope effect accounts for conceptual differences between the two indexes. PCE measures spending by and on behalf of the personal sector, which includes both households and nonprofit institutions serving households; the CPI measures out-of-pocket spending by households. The \"net\" scope effect adjusts for CPI items out-of-scope of the PCE price index less items in the PCE price index that are out-of-scope of the CPI.\n- \"Other effects\" include seasonal adjustment differences, price differences, and residual differences.\n- See more at: https://www.bea.gov/help/faq/555\n|Food and beverages||15.1%||13.8%||17.0%|\n|Food at home||8.0%||7.1%||8.7%|\n|Food away from home||6.0%||4.9%||6.0%|\n|Owner's equivalent rent||23.4%||12.9%||15.9%|\n|Education and communication||6.0%||5.4%||6.7%|\n|Other goods and services||2.8%||5.8%||6.0%|\nThe above chart is illustrative but may not reflect current values. The comparisons in the table above will vary over time as the relative weights of the components of the indexes change. The CPI base price and weightings are adjusted every two years.\nThe above table illustrates two commonly discussed important differences between the PCE deflator and CPI-U. The first is the relative importance of housing, which is due in part to the difference in scope mentioned above. CPI contains a large component of owner-equivalent rent, which by definition is an imputed value and not a real direct expenditure. The second major difference in weight is healthcare. This again stems from the definition of the index and the surveys used. CPI measures only the out-of-pocket healthcare costs of households where PCE includes healthcare purchased on behalf of households by third parties, including employer-provided health insurance. In the United States, employer health insurance is a large component and accounts for much of the difference in weights.\nAnother notable difference is that prices and weightings of the CPI are based on household surveys, while those of the PCE are based on business surveys. One reason for the difference in formulas is that not all the data needed for the Fisher-Ideal formula is available monthly even though it is considered superior. CPI is a practical alternative used to give a quicker read on prices in the previous month. PCE is typically revised three times in each of the months following the end of a quarter, and then the entire NIPA tables are re-based annually and every five years. Despite all these conceptual and methodological differences, the two indexes track fairly closely when averaged over several years.\n- \"Definition of 'Personal Consumption Expenditures - PCE'\", Investopedia, Accessed 31-July-2012\n- PCE and CPI indices, Jan 1959 - Jul 2018: \"FRED Graph - FRED - St. Louis Fed\". fred.stlouisfed.org. Retrieved September 9, 2018.\n- Boskin, et al. \"Consumer Prices, The Consumer Price Index, and the Cost of Living.\" Journal of Economic Perspectives - Volume 12, Number 1. Winter 1998, pp3-26.\n- \"FRB: Monetary Policy Report to the Congress - February 17, 2000\". www.federalreserve.gov. Retrieved September 9, 2018.\n- \"What Does the Producer Price Index Tell You?\". June 3, 2021.\n- \"What accounts for the differences in the PCE price index and the Consumer Price Index?\". Archived from the original on July 27, 2018. Retrieved March 12, 2019.\n- \"Improving the Measurement of Consumer Expenditures\" (PDF). nber.org. Retrieved July 17, 2023.\n- Moyer, Brian C.; Stewart, Kenneth J. \"A Reconciliation between the Consumer Price Index and the Personal Consumption Expenditures Price Index\" (PDF). www.bea.gov. Bureau of Economic Analysis. Retrieved September 7, 2014.\n- Briefing.com: Personal Income and Spending\n- Briefing.com: CPI (the core CPI as a comparison)\n- Current News Releases from the Bureau of Economic Analysis (click on \"Personal Income and Outlays\", then skip to Tables 9 and 11 near the bottom.)\n- St. Louis Federal Reserve FRED2 PCE data index\n- Personal Consumption Expenditures - PCE\n- FAQ: What is the \"market-based\" PCE price index?\n- Implicit Price Deflator for Personal Consumption Expenditures - Referendum 47's Measure of Inflation\n- FRB: Monetary Policy Report to the Congress - February 17, 2000\n- TheStreet.com: Meet the Fed's Elusive New Inflation Target", "domain": "finance"}
{"url": "http://www.thankyoumaamreno.org/436253075", "date": "2019-10-14T22:50:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986655554.2/warc/CC-MAIN-20191014223147-20191015010647-00381.warc.gz", "language_score": 0.9204996824264526, "token_count": 136, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__44288187", "lang": "en", "text": "When you join Thank You Ma'am Reno, you enter your credit card information for you card to be charged $103.00 once per quarter; $100 goes directly to the non-profit selected at each meeting. The additional $3 is to cover processing fees.\nThe processing is all handled by the 501(c)3 non-profit The Giving Group which is the umbrella group that started Thank You Ma'am in Seattle, the original. Once a year you will receive a receipt for you taxes. The Giving Group and Thank You Ma'am Reno will never give or sell your information to any outside parties.\nYou can click HERE to join and provide payment information", "domain": "finance"}
{"url": "http://gargoyle.arcadia.edu/em/loans/index.htm", "date": "2017-01-17T04:45:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-04/segments/1484560279468.17/warc/CC-MAIN-20170116095119-00301-ip-10-171-10-70.ec2.internal.warc.gz", "language_score": 0.8922696709632874, "token_count": 1830, "dump": "CC-MAIN-2017-04", "global_id": "webtext-fineweb__CC-MAIN-2017-04__0__249729111", "lang": "en", "text": "||How To Apply, on-line or via phone:\n|Wells Fargo Collegiate Loan*\n- Choice of Variable or Fixed Interest\nVariable interest as low as Prime + 0.25%, based on credit, with a\ncontractual minimum of 3.25%, interest rate cap of 18%. Fixed rate\nas low as 6.74%. Applicants are presented with their individual\nrate at point that credit eligibility is determined, usually at point of\napplication. At that point, the applicant may choose a foxed or variable\nrate comparison, or defer the decision until later in process.\n- 0.25%-0.50% Interest Rate Discount at point of application with Wells Fargo borrower or cosigner\nrelationship (prior Wells Fargo Education Loan, Qualifying Wells Fargo\n- Student may apply without a cosigner but applying with cosigner\nhelps ensure lowest interest rate and fastest approval process\n- Wells Fargo disclosures available @ www.wellsfargo.com/studentloandisclosures\n- No Fees\n- Must be enrolled in a degree, certificate or license program\n- May be enrolled less than half-time\n- International students must apply with creditworthy U.S. citizen\n- Students no longer enrolled may use to pay prior balance if applying\nwithin 30 days of last date of enrollment\n- Cosigner release option available after 24 monthly on-time payments\n- 6-month grace period – no payments required while in school\n- 15 year repayment term\n- 0.25% interest rate reduction with automatic payments in repayment\n- Loan forgiveness protection in event of student death or disability\nWells Fargo Education Financial Services\n|Discover Student Loan\n- Choice of Variable or Fixed Rate with Zero Fees\n- Variable Range: Prime + 0% to Prime+ 5.00% for Undergraduates\n- Variable Range: Prime + 0% to Prime+ 4.00% for Graduate Students\n- Variable Range: Prime + 0% to Prime+ 2.50% for Graduate Health\n- Fixed Rate - 6.74% to 9.49% for Undergraduates\n- Fixed Rate - 6.74% to 10.99% for Graduate Students\n- Fixed Rate - 6.79% to 9.49% for Health Professions\n- For more information visit DiscoverStudentLoans.com/rates\n- Application and Solicitation Disclosures - https://www.discover.com/student-loans/index.html\n- No Fees\n- Cosigner is advised for undergraduate borrowers with limited credit\n- No cosigner release\n- Undergraduate and Graduate students must be enrolled at least\n- Must be a U.S. citizen or permanent resident\n- International students require a social security number and a U.S. cosigner\n- Making satisfactory academic progress as defined by school\n- 6-month grace period and 15 year repayment term for undergraduate students\n- 9-month grace period and 20 year repayment term for graduate students\nand health professions students\n- Automatic in-school deferment\n- 0.25% interest rate reduction with auto-debit\n- Graduation Reward-2%\ncash reward on outstanding principle balance (must be requested upon graduation);\nnot offered on fixed rate product\nSallie Mae SMART Loan*\n- Low variable interest rates: 2.25% APR to 9.37% APR;\ncompetitive fixed interest rates: 5.74% APR to 11.85% APR\n- Pay now or later-defer your payments until after school or choose an\nin-school repayment option that fits your needs.\n- Visit SallieMae.com/SOSLTerms for terms and conditions\n- No origination fees and no prepayment penalty\n- Can apply to release cosigner 12 months after you've graduated and\nmade 12 consecutive on-time principal and interest payments\n- International students are eligible with a creditworthy cosigner\n(who must be a U.S. citizen or permanent resident) and appropriate U.S.\nCitizenship and Immigration Service documentation\n- .25% interest rate reduction for automatic-debit\n- Loan forgiveness in event of a student's death or permanent and\n- Can be used if you have an existing balance to pay off before\nregistering for the new semester.\n- Will vary based on loan amount and year in school\n- Consider making principal and interest payments while in school to\nlower the amount you must pay back.\n- Principal and interest payments begin following the six-month\n- No pre-payment penalty.\nA 0.25% interest rate reduction with automatic-debit\n|Custom Choice Loan* (SunTrust)\n- Choice of fixed or variable rate: Students may choose the\ninterest rate type upon passing the initial credit review during the\nonline application process.\n- Variable: LIBOR + 2.99%-LIBOR + 8.99%\n- Fixed: 4.75% - 11.25%\n- For the current interest rates, please visit: https://www.alternativeloan.com/CWA/ASD?link_id=SUNTFAO1\n- No Fees\n- Although a cosigner is not required, a creditworthy cosigner may\nincrease the likelihood of approval.\n- To be eligible, student must:\n-Be an undergraduate or graduate student enrolled at last\n-Be a U.S. citizen or permanent resident.\n-Be the legal age of majority in their state of residence (or at\nleast 17 years old with a cosigner who is the legal age of majority)\n- Applications will be accepted for up to one month following end\nof the applicant's academic period. For example, when a loan period\nends on May 15, borrow has until June 30 to submit an application\nfor previous academic period. The student does not need to be\ncurrently enrolled, however, they must have been enrolled at least\nhalf-time or more at time the balance was incurred.\n- Satisfactory academic progress is not required\n- 6-month grace period\n- Choice of 7, 10, 15 years (the 15 year term is available for loan amounts of $5,000 or more)\n- Choice of four repayment options (immediate, interest only,\npartial interest or fully deferred)\n- No penalty for pre-payment\n- Interest rate reduction of 0.25% for ACH payments\n- Additional 0.25% for ACH payments from a SunTrust deposit\n- 1% reduction to the principal balance per loan, applied to full\ndisbursement amount, upon graduation with a bachelors degree or\n- Cosigner release available after 48 consecutive principal and\ninterest payments have been made on-time\n- Loan forgiveness available upon death of the student borrower\n- Forbearance available for economic hardship\n|Citizens Bank TruFit Loan*\n- Choice of Variable or Fixed Interest Rate\nVariable interest rate option as low as one-month LIBOR plus 2.50% and\nFixed rate option as low as 5.75%\n- Choice of repayment options\n* Please visit http://www.citizensbank.com/trufit-disclosure/ for current\nrates and application disclosures.\n* Please visit www.citizensbank.com/trufitstudentloan for additional\n- Zero Fees\n- Must be enrolled at least half-time in a degree granting program\n- Cosigner release option available after 36 consecutive, on-time payments\n- Available for past due balances up to 180 days after the ending of the\nenrollment period. The student must be currently enrolled or recently\ngraduated to qualify.\n- We strongly encourage students with little or no credit history to apply\nwith a qualified cosigner to increase their chances of being approved. A\nqualified cosigner can also help the borrower secure a lower interest\n- International students can apply with a creditworthy U.S. citizen, or\npermanent resident cosigner.\n- In the unfortunate event of the student borrower’s death or permanent\nand total disability, the TruFit Student Loan will be forgiven\n- Six-month grace period.\n- Choice of repayment options: Deferred: Students\ndefer payment until 6 months after graduation. Interest-only:\nStudents make interest-only payments while in school.\nImmediate: Students make payments while in school.\n- Choice of repayment terms: 5, 10, 15 years.\n- 0.25% interest rate reduction for\nautomating payments from any non-eligible Citizens Bank account\n- Can be used to cover past due balances up to 180 days after\nthe ending of the enrollment period provided the student is\ncurrently enrolled or recently graduated.\n|Citizens Bank TruFit Student Loan", "domain": "finance"}
{"url": "http://www.ezchip.com/pr_130213.htm", "date": "2014-12-29T06:44:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-52/segments/1419447562099.128/warc/CC-MAIN-20141224185922-00047-ip-10-231-17-201.ec2.internal.warc.gz", "language_score": 0.9506016969680786, "token_count": 2037, "dump": "CC-MAIN-2014-52", "global_id": "webtext-fineweb__CC-MAIN-2014-52__0__165674904", "lang": "en", "text": "EZchip Announces Fourth Quarter and Full Year 2012 Results\nYokneam, Israel, February 13, 2013 – EZchip Semiconductor Ltd. (NASDAQ: EZCH), a leader in Ethernet network processors, today announced its results for the fourth quarter and full year ended December 31, 2012.\nFourth Quarter and Full Year 2012 Highlights:\n- Annual revenues for 2012 of $54.7 million\n- Fourth quarter revenues of $15.2 million\n- Fourth quarter gross margin reached 83.2% on a GAAP basis and 83.7% on a non-GAAP basis\n- Net income, on a GAAP basis, was $15.7 million for 2012 and $4.8 million for the fourth quarter\n- Net income, on a non-GAAP basis, was $27.1 million for 2012 (49% of revenues) and $7.8 million for the fourth quarter (51% of revenues)\n- Non-GAAP operating cash flow of $29.2 million for 2012 and $7.1 million for the fourth quarter\n- Net cash at end of 2012 was $168.0 million\nFourth Quarter 2012 Results:\nTotal revenues in the fourth quarter of 2012 were $15.2 million, an increase of 7% compared to $14.3 million in the fourth quarter of 2011, and an increase of 64% compared to $9.3 million in the third quarter of 2012.\nNet income, on a GAAP basis, for the fourth quarter of 2012 was $4.8 million, or $0.17 per share (diluted), compared to net loss of $6.0 million, which included a one-time charge due to early repayment of $9.9 million to the Israeli Office of Chief Scientist (OCS), or $0.22 per share, in the fourth quarter of 2011, and net income of $0.1 million, or $0.00 per share (diluted), in the third quarter of 2012.\nNet income, on a non-GAAP basis, for the fourth quarter of 2012 was $7.8 million, or $0.26 per share (diluted), compared to non-GAAP net income of $6.3 million, or $0.22 per share (diluted), in the fourth quarter of 2011, and non-GAAP net income of $3.1 million, or $0.10 per share (diluted), in the third quarter of 2012.\nFull Year 2012 Results:\nTotal revenues for the year ended December 31, 2012 were $54.7 million, a year-over-year decrease of 14% compared to $63.5 million in 2011.\nNet income on a GAAP basis for 2012 was $15.7 million, or $0.54 per share (diluted), compared to net income of $7.9 million, or $0.28 per share (diluted), in 2011.\nNet income on a non-GAAP basis for 2012 was $27.1 million or $0.92 per share (diluted), compared with non-GAAP net income of $31.0 million, or $1.09 per share (diluted), in 2011.\nCash, cash equivalents, marketable securities and deposits as of December 31, 2012, totaled $168.0 million, compared to $160.1 million as of September 30, 2012 and compared to $126.8 million as of December 31, 2011. Cash generated from operations was $7.1 million for the fourth quarter and $29.2 million for the year, cash used in investing activities was $0.2 million for the fourth quarter and $1.5 million for the year, cash provided by financing activities (resulting from the exercise of options) was $1.0 million for the fourth quarter and $12.9 million for the year and an additional $0.6 million increase resulted from unrealized gains in marketable securities during 2012.\nEli Fruchter, CEO of EZchip, commented, “2012 was another transition year for EZchip. First, we completed the transition to Cisco becoming our largest customer, with all revenues being royalty-based, thereby increasing our gross margins to 84% and maintaining our outstanding 49% net margin in line with the net margin we achieved in 2010 and 2011. Second, we transitioned to NP-4, which surpassed the NP-3 run rate in its first full production year, and became our largest revenue generator. Finally, we laid the foundation for the NPS line of network processors for smart networks that will target both next-generation edge routers and data centers, and we believe could double our total available market.\n“Of our five major NP-4 customers, two are in production and two entered production at the end of the third quarter and have placed initial production orders. The fifth customer, Huawei, is also expected to enter production in the first quarter; however, it has not yet placed any production orders and we believe Huawei may proceed to offer a lower-end in-house solution in parallel to the high-end NP-4 solution.\n“Looking ahead, we believe that high-end NPUs, such as the NP-4, are required for high-end edge routers to be competitive. Therefore, based on the success of our customer products in the marketplace and the level of carriers’ investment in Internet infrastructure, we believe NP-4 can significantly increase our revenues in the next few years. As for this year, we expect year-over-year growth in both Q1 and 2013, also when compared with 2011.”\nThe Company will be hosting a conference call later today, February 13, 2013, at 10:00am ET, 7:00am PT, 3:00pm UK time and 5:00pm Israel time. On the call, management will review and discuss the results, and will be available to answer investor questions.\nTo participate through the live webcast, please access the investor relations section of the Company’s web site at: http://www.ezchip.com/investor_relations.htm, at least 10 minutes before the conference call commences. If you would like to ask a question on the call, please contact the investor relations team for the telephone dial in numbers.\nFor those unable to listen to the live webcast, a replay of the webcast will be available the day after the call under the 'Investor Relations' section of the website.\nUse of Non-GAAP Financial Information\nIn addition to disclosing financial results calculated in accordance with United States generally accepted accounting principles (GAAP), this release of operating results also contains non-GAAP financial measures, which EZchip believes are the principal indicators of the operating and financial performance of its business. The non-GAAP financial measures exclude the effects of stock-based compensation expenses recorded in accordance with FASB ASC 718, amortization of intangible assets, one-time charge due to early repayment of OCS grants and taxes on income. Management believes the non-GAAP financial measures provided are useful to investors’ understanding and assessment of the Company’s on-going core operations and prospects for the future, as the charges eliminated are not part of the day-to-day business or reflective of the core operational activities of the Company. Management uses these non-GAAP financial measures as a basis for strategic decisions, forecasting future results and evaluating the Company's current performance. However, such measures should not be considered in isolation or as substitutes for results prepared in accordance with GAAP. Reconciliation of the non-GAAP measures to the most comparable GAAP measures are provided in the schedules attached to this release.\nEZchip is a fabless semiconductor company that provides Ethernet network processors for networking equipment. EZchip provides solutions that scale from a few to hundreds of Gigabits-per-second. EZchip's network processors provide great flexibility and high performance coupled with superior integration and power efficiency for a wide range of applications in carrier, cloud and data center network equipment. For more information on our company, visit the web site at http://www.ezchip.com.\nThis press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are statements that are not historical facts and may include financial projections and estimates and their underlying assumptions, statements regarding plans, objectives and expectations with respect to future operations, products and services, and statements regarding future performance. These statements are only predictions based on EZchip's current expectations and projections about future events. There are important factors that could cause EZchip's actual results, level of activity, performance or achievements to differ materially from the results, level of activity, performance or achievements expressed or implied by the forward-looking statements. Those factors include, but are not limited to, the impact of general economic conditions, competitive products, product demand and market acceptance risks, customer order cancellations, reliance on key strategic alliances, fluctuations in operating results, delays in development of highly-complex products and other factors indicated in EZchip's filings with the Securities and Exchange Commission (SEC). For more details, refer to EZchip's SEC filings and the amendments thereto, including its Annual Report on Form 20-F filed on March 29, 2012 and its Current Reports on Form 6-K. EZchip undertakes no obligation to update forward-looking statements to reflect subsequent occurring events or circumstances, or to changes in our expectations, except as may be required by law.\nTables follow in PDF\nEhud Helft / Kenny Green\nCCG Investor Relations\nTel: (US) 1 646 201 9246", "domain": "finance"}
{"url": "http://www.rickygill.com/reformingcongress.html", "date": "2016-10-22T05:14:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-44/segments/1476988718426.35/warc/CC-MAIN-20161020183838-00507-ip-10-171-6-4.ec2.internal.warc.gz", "language_score": 0.9525904655456543, "token_count": 497, "dump": "CC-MAIN-2016-44", "global_id": "webtext-fineweb__CC-MAIN-2016-44__0__209022062", "lang": "en", "text": "PLAYING BY THE RULES\nThe American people deserve a responsible Congress that maintains common sense and contributes to good governance. It is not enough to simply hope that the people's representatives will do the right thing—Congress needs a robust set of rules that emphasize fiscal prudence, stronger ethics, and greater transparency. Endlessly borrowing money will only aggravate our nation's long-running debt problem. Thus, Congress must hold the line on the reforms it recently enacted in the budget process. The hard-working taxpayer should demand nothing less. Congress wisely imposed a rule called \"CUTGO,\" which requires it to find revenue offsets for any increases in spending. Congress also needs to continue its ban on earmarks. These pork-barrel projects are the epitome of what has gone wrong in Washington, where legislators pile waste onto the budget only to promote their re-election efforts. Earmarks not only waste money; they also corrupt the budget process because they allow Congressional representatives to trade votes. They should be eliminated once and for all.\nEMULATING THE STATES\nCongress also should emulate reforms already in place at the state level. The vast majority of state constitutions have requirements that limit legislation to one subject. These \"single-subject rules\" can disrupt the logrolling, vote-trading, and interest-group politics that diminish public trust in government. Moreover, nearly every state has some form of balanced budget requirement. The federal government, by contrast, is consistently unable to balance its books. Lawmakers concerned only with re-election will continue profligately spending taxpayers' money until we impose a balanced budget requirement. Finally, more than 40 states empower their governors with a line-item veto. A federal analog would allow the President to excise wasteful portions of appropriations bills that Congress lacked the willpower to reject.\nCongress should ensure that regulations handed down from federal agencies promote national economic health. Rather than delegating lawmaking authority to administrative agencies, Congress should hold a floor vote on all regulations that impose $100 million or more in compliance costs. Our elected representatives should review the merits of these consequential regulations before they take effect. Congress also has ceded too much ground to the executive branch, which is typically allowed to review the effectiveness of its own spending. Congress should exercise the power of the purse to rein in inefficient programs. Congress should consider routinely including sunset provisions in authorization bills, which will force it to review the track record of federal programs before spending additional funds.", "domain": "finance"}
{"url": "https://forexseminar.fspsecure.co.za/", "date": "2021-06-15T16:51:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487621450.29/warc/CC-MAIN-20210615145601-20210615175601-00291.warc.gz", "language_score": 0.9330981969833374, "token_count": 6694, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__66875452", "lang": "en", "text": "On Saturday, 29 November 2014 – discover how my simple strategy could help you take money out of the market time and time again.\nMeet me in person, learn my proven trading methods, discover how to avoid the ‘deadly mistakes’ most traders make, and ask me all your burning questions…\nI’ll be focusing all my efforts to help you maximise your profits and cut your losses to a minimum.\nMy pledge:To give you the crucial tools that mean you never have to second-guess your trades again!\nThis is the first time I’ve agreed to share my powerful Forex trading techniques, in person.\nAfter a decade trading the Forex markets, learning the best ways to make money – and the simplest ways to avoid costly mistakes – I’m going to reveal it all.\nOn the 29th of November 2014, I’m holding a practical seminar revealing how I make effective trades on a regular basis.\nThis won’t be like anything you have ever been to before.\nIt won’t be a boring lecture. Or a dry tutorial.\nThis will be a small, dedicated seminar, where I’ll show you key methods that have the potential to greatly improve your trading profits.\nI’ll show you how I choose my trades, and why I think one trade looks so much more promising than another.\nI’ll share my decision-making process, along with in-depth explanations of how I use my core trading strategy.\nYou can ask me a question at any point during the seminar and I’ll tell you precisely what I’m doing and why.\nI’ve spent the better part of a decade as a trader making successful trades – and on the 29th of November, you’ll learn the core strategy I use to do it.\nI guarantee you’ll learn techniques that could help you take up high-probability positions again and again.\nToo many people jump into trading with no idea of what they’re doing. And the consequences are entirely predictable:\nThey take profits too soon, when there’s still more money on the table.\nThey hang on to their losses for too long.\nThey make the same mistakes over and over.\nThey try complex trading systems that never pan out.\nIf any of that sounds familiar to you, then you need this seminar!\nThat’s why I’m inviting you and just 29 others to learn the core techniques of my proven trading strategy.\nJoin me on the 29th of November, and I’ll show you not only how you could bank regular profits… But also help you steer clear of costly blunders.\nFSP Invest FOREX Seminar 2014\nEntry strictly by invitation ONLY\nMy aim is for you to leave the room with practical trading know-how and with the skills to help you take money out of the market over and over.\nThis one-off seminar will bring your understanding of these methods to a whole new level – and really help you put them into practice.\nThe whole day will be devoted to turning YOU into an effective and successful trader.\nEverything will be tailored to your personal needs.\nThis level of first-hand explanation, insight and attention is something that my Trading Tips and MoneyMorning articles simply can’t get across. I only get to scratch the surface!\nThat’s precisely why I’ve decided to hold this exclusive seminar.\nI think this day will be a real eye-opener for you. And if you join me, I believe it could help you pluck money from the swings of the market not only in 2014…\n…But for the rest of your trading life!\n“Let me show you the expert trading techniques that I’ve used to make money from the markets for 10 years!”\nThe most effective way I can help you become a money-making trader is for me to explain things to you in person.\nNo misunderstandings from trying to work things out on your own. And no distractions either. A full day dedicated to becoming an effective trader.\nIn one packed 6-hour session, I’ll walk you through every last step of my proven strategy – start to finish – so you can go away and begin raiding the markets with confidence.\nLike me, I’m sure you trade for one reason and one reason only: To make money. Hopefully, lots of it. That’s what trading is all about. This isn’t like investing where you buy and hold a share for months or years.\nThis is about nipping in at the right time and – potentially – closing the trade with extra money in your account.\nAnd that’s precisely what I want to help you achieve.\nI aim to make it simple for you to make profitable trades, and no longer rely on hunches… By working with you in person so that it all clicks into place.\nI warn you now – you’ll have to put some work in. We’ll break for lunch for half an hour or so, and there’ll be plenty of tea and coffee. But I want to use our time together to make sure you fully and completely understand my methods of making money on the markets.\nI want to show you how I take the ‘guesswork’ out of trading with my tried-and-tested trading system.\nSo please read this invitation carefully and without distractions.\nIf you just flip through this, you might miss out a vital detail that could make a mountain of difference to your decision.\nAnd you may need to act quickly once you have finished reading…\nBecause I doubt whether the 30 places will be free for long.\n“On the 29th of November I will give you the trading strategy that has shaped my successful career.”\nThis isn’t going to be a big, corporate ‘event’. This is a small seminar for just 30 people to learn the secrets of how to make effective trades as often as possible.\nMy publisher might prefer me to speak to 200 people… But I think 30 is the right number. That way I can give you my full attention.\nI’ll show you how you can make the leap from banking the occasional profit, to making more money on a more consistent basis.\nJoin me and I’ll aim to:\nHelp you make maximum profits from high-probability trades.\nTell you the best markets to trade in. Markets that suit YOUR trading personality.\nExplain how you help spot winning trades from ‘duds’.\nGive you a key method for protecting yourself against big losses.\nShow you how to avoid the ‘five deadly mistakes of Forex trading’ – common, costly mistakes you can easily cut out.\nShare my tried-and-tested strategy that’s made me a small fortune over the years.\nHelp you trade with more confidence.\nHelp you overcome the psychological blocks that prevent most people making money.\nAnswer all of your questions about trading.\nUltimately, I want you to be a good enough trader to earn a decent second income.\nAnd during my special seminar, I want to demonstrate the techniques that can help you achieve that ambition.\nPut simply, by the time you leave the room on the 29th of November, I want you to be able to place trades:\nWITH MINIMAL RISK...\nWITH 100% CONFIDENCE!\nPlease ask yourself honestly: Could you do with a little help? Would you like to make effective trades easily and without fuss?\nWell, that’s precisely why I have arranged this crash-course: To show you the core techniques I believe can vastly improve your Forex trading.\n“I’ll show you how to reduce your losses and take money out of the Forex market on a more consistent basis.”\nI’m sure you’ve heard of the oft-quoted statistic that 80% of traders lose money consistently.\nThat means only around 20% of traders take regular profits.\nAll traders lose money. That’s just a fact. You will never be successful on 100% of your trades.\nBut I believe that by being in that room with me for 6 hours, learning my tried-and-tested trading secrets – you have a great chance of joining the 20% who make money on a regular basis.\nIt’s not magic, and it isn’t blind luck. There’s a very subtle science to it. And that’s what you’ll be learning on the day.\nThere is a simple five part game plan that I think every trader who wants to make money on a regular basis needs to know.\nLet me show you what they are and how they could guide you to some very profitable trades…\n“I will show you how to master my trading strategy…”\nIn Forex Trader, I use my tried-and-tested trading strategy to make effective, often profitable trades.\nWhen I started out trading, I just couldn’t find a reliable, simple system that almost anyone could apply without spending hundreds of hours glued to charts and computer screens. Those I found were either too complex or just didn’t stack up in the real trading world.\nI needed to develop something that worked in all time frames and which did not depend on being hunched over a screen for all hours of the day. After all, we all have better things to do with our time.\nI wanted to find the key to unlock this door – and it did not lie in devising even more complicated algorithms. I wanted a really easy-to-understand methodology that most people could potentially profit from themselves.\nAnd the result is what my subscribers read about week in and week out in my Forex Trader emails, and my Trading Tips & MoneyMorning articles – my Forex Profit Pattern method.\nAnd now you have a priceless opportunity to spend a whole day with me as I teach you those secrets that I have learned.\nNot just my Forex Profit Patterns, but all of the techniques I use.\nYou may already be familiar with the basics:\nIf all this goes over your head right now, don’t worry – that’s precisely why I have organised this Forex seminar on the 29th of November.\nUnlocking the secrets of these patterns will take you to a whole new level of Forex trading.\nAnd if you are already familiar with them, I guarantee you’ll learn new ways that could bolster your trading account.\nI’ve used these trading patterns for years, applying them in my unique way to take money out of the markets thousands of times over.\nAnd on the 29th of November, I will show you precisely how to use them too.\nI want to make something clear: This WON’T make you rich overnight. That’s not how it works. It’s not reckless. The sensible, methodical management of risk is one of the keys to my success.\nThese trading techniques are proven strategies used by serious Forex traders only – not wild-eyed gamblers! There’s no ‘magic button’, no ‘money lever’ – just a tried-and-tested approach to trading that I’ll teach you personally.\nIf you apply these simple principles correctly, I think you’ll be in a great position to bank a series of tidy profits.\nTake a look at this…\nHere’s a few examples of how I’ve used these core techniques on some real trades.\nFirst off, here’s how I used my Cup-of-T pattern to make a swift gain on the AUD/USDcurrency pair:\nIt’s April 2014...\nOn the 9th of April, as the sun slowly started warming the country, the long position I’d taken on AUD/USD earlier that day had resulted in a 293.80% gain on margin. And that was before the day even had time to settle.\nThis is how the pattern shaped up\nThis is how the trade played out\nThe pattern did its job and I exited with a tidy profit.\nHow would you like to make gains like that? Well, that’s precisely what I’ll show you, if you take your place at my exclusive, one-off Forex seminar.\nAs Trading Tips readers probably know, I use these patterns to guide me through a successful trade.\nAnd here’s how I used the W-FORMATION pattern:\nOn the 17 of October 204, after going long (buying) the AUD/USD currency pair, my W Formation pattern triggered my take profit level and I walked away with a fantastic 95.5% on margin.\n(N.B. Don’t worry if you don’t fully grasp these examples here and now – that’s why I want you to join me on the 29th of November – so I can show you how it all works!)\nThis is how the pattern shaped up:\nThis is how the trade played out:\nImagine making that kind of gain for yourself. Not just once, or twice, but potentially on a regular basis!\nI think these two examples perfectly illustrate how the subtle science of these patterns can translate into a very tasty profit.\nAnd in just a few weeks, you could be making profitable trades like this all by yourself.\nBut as I want to show you, my core strategy aims to minimise losses, too.\nBecause – of course – my methods do not work 100% of the time! That would be impossible. But by using my carefully-worked-out money management rules - especially my famous 2% Rule - losses on losing trades can be kept within bounds.\nThat's why, at the seminar, I will show you EXACTLY how to place sensible protective stops using one of my special strategies so that your winners always outweigh your losers.\nAnd the sooner you get to grips with these techniques the better.\nBecause in my view, there’s never been a better time to know key ways to draw money from the markets…\n“2015 promises to be a trader’s paradise - I’ll show you how to avoid the pitfalls and grab the bounty.”\nThe fact of the matter is… Right now is the perfect time for you to learn my trading tips and techniques.\nBecause 2015 is going to be a pivotal year in the markets – and a huge opportunity for traders.\nWith the American 's tapering off on QE and parts of Europe back in recession, there is a hell of a lot of volatility – a dream ticket for traders with a bit of know-how.\nIf you have the skill and confidence, it can be quite simple to make money right now.\nBut – and I have to warn you - if you’re just finding your feet on your own, you could also stand to lose a lot of money.\nI don’t want that to happen to you.\nI want to show you how I think you can avoid costly mistakes that novice investors make… And how to greatly improve your chances of making money.\n“On the 29th of November I’ll show you how easy it is to cut out the '5 Deadly Forex Mistakes' that most novice traders commit.\nDuring my long trading career, I have made a point of identifying the five worst mistakes made by naive Forex traders.\nIn my view, nothing will cut down your losses like steering clear of these costly errors.\nI call them the 5 deadly mistakes simply because, in my opinion, they are the worst blunders you can make… And each one could end up costing you dearly:\nDeadly Mistake #1: Keep changing the System\nOver time traders start relying on emotion and feelings, which is when doubt starts to creep in. What they don’t realise is it’s not about changing their system, but rather changing the way they go about trading the system. I’m going to show you how you can find your winning system with three simple words.\nDeadly Mistake #2: Ignoring the market environment\nOne thing I always notice is that novice traders don’t take the market environment into account. They base their decisions on where they think the market is going, and this often leads to financial calamity! I’m going to show you a simple way to know what environment the market is in so that you can learn to trade with the trend, rather than against it.\nDeadly Mistake #3: Wanting to trade everything\nPicture a leopard waiting to pounce on its prey… Even though the leopard knows it can out-run any animal, it patiently waits for an injured and vulnerable one so its chance of gaining a meal is higher. Just like a leopard knows it can outpace most animals, as a trader you can take advantage of every possible trade at any time. The problems you’ll face, however, include the costs, emotions and all the movement in the market that make hunting a worthy trade so difficult. That’s why ‘leopard trading’ is the third ‘deadly trading mistake’ all traders should stay clear of.\nDeadly Mistake #4: Not using protective stop-losses\nI’ll reveal how my straightforward 2% Rule and Break-Even Rule can help you keep your losses to a rock-bottom minimum.\nDeadly Mistake #5: Over-trading with positions too large for your account\nSeems obvious, right? Well, you’d be shocked how many traders lose big money by getting stranded too far from shore. I’ll show you how trading within your means helps you live to trade another day.\nBut keep committing these blunders and they could end up costing you a bomb… And could put you off trading for good!\nI have no doubt that my hard-won experience and advice, demonstrated to you in person, could be a life-changer for you as a trader.\nApply my methods and steer clear of these costly mistakes and I believe you will quickly:\nBoost your performance and avoid the common mistakes most traders make.\nStop making emotional decisions when you trade. This will give you an instant edge over most traders.\nExploit market volatility to the maximum.\nI’ll bring my proven strategy to life for you, and show you how each pattern works – myself – so that you can see what I’m doing and ask any questions you have the minute you need help!\nI’ll explain my specific techniques and secrets – trading skills that could accelerate your success and level of income.\nSo let me tell you precisely what will happen on the day:\nIt sounds a lot - and it is!\nThis crash course has been designed to turn you into more than just a competent trader who knows how the markets work.\nIts aim is to turn you into a trader with real know-how… Certainly someone who has the real potential to make a serious income from the markets – when it suits YOU!\nI’ve booked a modern space in a Sandton location where you will learn, in comfort, my priceless trading methods.\nLunch will be provided, together with all the tea and coffee we’ll need to push ourselves through the itinerary!\nYou won’t have to bring a thing except for yourself. Pens, paper, a personal trading manual – I’ll provide the lot.\nEverything will be taken care of so that you can focus on one thing – becoming a better trader.\nPlus I’ll be available to talk to you after the end of the seminar.\nMake no mistake… This will be a packed day, because I’m going to cram in as many useful techniques and trading knowledge as I can. And that’s a lot to get through.\nI am going to squeeze in every bit of know-how I think you need to become a 100% clued-up trader.\nBy the end you’ll head home with a real understanding of powerful Forex trading secrets that’ll give you the potential to make a serious second income on your own.\nBut that’s not all…\nThe seminar doesn’t end there. I’m not just going to switch off at 5pm and walk out, job done!\nI want you to be able to go back over the finer points of my strategy if you need to… Until you properly grasp these effective trading techniques.\nSo, after the seminar I’ll send you:\nA private email address to ask me anything you like about my core strategy.\nFor 30 days after the seminar, you’ll be able to ask me anything you like about the techniques you’ll learn during the day. So when you are putting these practical powerful methods to use, I can help you apply them correctly.\nA live DVD recording of the seminar.\nSo you don’t miss a thing – and so you don’t have to bother making pesky notes – I have arranged to have the session filmed so a DVD copy can be sent to you within four to six weeks after the seminar. Anything you need to check or need clarification on, you can see again, at your leisure. And if you’re still not sure – just drop me an email and I’ll be back in touch.\nKey notes and my seminar slides.\nFor your personal reference, if you want to refresh your memory before a day’s trading, you can sit back and go over the points using this simple slideshow.\nI think you’ll agree… This is FAR more than a usual tipping service or investment opportunity. This is a real chance to BECOME a trader with the kind of know-how that usually takes YEARS to acquire!\nIf you’re willing to put in the effort, I’m certain you will find the day very rewarding… And, potentially, extremely lucrative.\n“Are YOU ready to put in a bit of hard work?”\nAs you’ll see, this isn’t all one way.\nTo get the most out of the day, you will need to put in some work.\nYes, you could just turn up, listen to what I have to say, discover my techniques and leave with a partial idea of how to start making money yourself.\nBut if you really want to understand my powerful trading methods, understand how to avoid common pitfalls and start applying these principles right away… It takes a little bit of ‘elbow grease’.\nIf you like the idea of learning the strategy and techniques that could make you – potentially – a lot more profits than you would normally… Please read the rest of this invitation now, and get ready to reserve your place quickly.\nThis invitation is going out to more than 36,534 profit-hungry traders like you.\nI expect places to be snapped up within hours.\nDuring the intensive day of the crash course, you’ll be expected to go through my strategy thoroughly, and a LOT of my secrets. You’ll also be sent a LIVE DVD recording of the day itself so you can go back over the crash course whenever you like.\nThe aim is simple – after this seminar (and by using the handbook you'll take home on the day), I think you’ll have the confidence to go out and use these simple strategies to make money on a far more regular basis.\nThat’s what this crash course is all about… Arming you with the techniques you need to seize profits from the markets!\nThink of it as learning to ride a bike. If you went to a crash course on bike riding, and read ‘How To’ books on bike riding, you’d have a good idea of how to do it. But the only way to really learn is to get on the damn thing and ride!\nAnd that’s what I’ll be encouraging you to do… To get into the markets, trade alongside me and see it working.\nYep – this isn’t like any other investment opportunity you’ve ever seen, because I’m not going to kid you; I’m here to show you how to – potentially – vastly increase the profits you make when you trade. And sometimes that’s going to involve a bit of sweat.\nSo, just to be 100% clear on where we stand before I formally offer you one of the 30 crash course places…\nYou’ll need to attend a seminar on the 29th of November (in Sandton).\nYou’ll have to work hard on the day, alongside me. Remember, I will be on hand to help you for 30 days afterwards – but you’ll have to put the work in to – potentially – turn this knowledge into profits. I’ll make it as easy as possible for you, handing you the tools you need to vastly improve your trading performance… But it’s you who’s going to have to push the buttons!\nAs I have said, this WON’T make you rich overnight. I don’t want you to have unrealistic expectations. I want you to join me with your eyes wide open. My trading techniques and professional strategy are used by committed investors. There’s no ‘magic button’, no ‘money lever’ – just tried-and-tested approaches to trading that I’ll guide you through personally.\nAs an FSP Invest subscriber, I think you’ve got what it takes and I really want you to benefit from this.\nBut of course the final decision is up to you.\nMark this date in your diary:\n“29 November 2014 – the day you become a real Forex trader.”\nI think my intensive, one-day seminar has the potential to bank you a level of profits that could make a real difference to your life.\nIf that sounds good to you, then I want you on this crash course programme.\nI intend to pass on practical methods of making money from trading.\nFrankly, if all goes well there is no limit to the financial upside for you. Just like me, you can use these methods for the rest of your trading life.\nSo I’m not going to beat around the bush or offer any discounts.\nMany of the 1-day seminars I know of cost anything up to R15,000.\nMost decent ones level out around R10,000...\nBut I’d like to give you a full day’s training, showing you my most powerful trading techniques … PLUS a DVD of the crash course programme… PLUS a comprehensive manual… PLUS full support for 30 days…\nFor a LIMITED, two-week-only, early bird price of only R3,995.\nThat’s for a full day’s tuition and mentoring – giving you the tools you need to take money from the market over and over again, for the rest of your trading life!\nI’m happy to cut my fee down to the bone on this because you’re a FSP Invest subscriber, you know there’s the real potential to make money here.\nUse the same techniques I’m using and you will have everything you need to build a sizeable second income.\nI don’t need to tell you that R3,995 is a low fee for everything that’s included in this crash course. Especially as you’ll be learning a rare and valuable skill that I think could really help you make money - now and for the rest of your life.\nRemember those two real trades I showed you earlier? One clocked 45%, the other 38%…\nNot bad for a few minutes in front of the computer, I’m sure you’ll agree.\nOf course, not every trade I’ve made is as profitable and I do not make a profit with every single trade.\nBut those are the kind of gains I think you could make consistently if you apply my techniques correctly. And I’ll show you how.\nIf all this sounds good to you, click here to book your place at my exclusive trading seminar right now.\n“Don’t commit a single cent now.”\nIf you successfully reserve your place on my one-off crash course today, I’ll send you a confirmation email within the next 10 minutes, acknowledging payment and your place in the course.\nThen, on the 29th of November the fun really starts…\nAt 11.00am sharp, I’ll start showing you the techniques I use to make effective trades practically every time I sit down at my computer.\nFrom the first session alone you’ll have discovered much more than most private traders learn in a decade.\nWe’ll break at around 13.00pm for tea and coffee – and at this time, if you decide my one-day seminar is not for you, just tell me or one of my assistants and I’ll arrange for you to receive a full refund.\nNo questions, no quibbles – if you’re not entirely happy with the crash course, just let me know at first break, and I’ll happily give you a full refund and wish you well.\n(Obviously you won’t be able to learn the rest of my trading secrets after that point!)\nI don’t think I can say fairer than that… You can join me and spend two hours with me face to face, without risking a penny, and make up your own mind.\nIf you don’t think I can help you, just let me know, and I’ll sort out a refund for you there and then – no problem.\nHow’s that for a safety net? You have nothing to lose by booking your place.\nYou can do that here – but hurry – only 30 places are available.\nIf you’re serious about learning the skills and secrets that have the potential to help you build a good trading income, then I don’t see how you can pass up this rare opportunity…\nI hope I’ve set out my stall and made it clear just what’s on offer (and what’s at stake) here.\nI’d like to show you – in person – how you can potentially make regular trading profits from the comfort of your home, working the hours you want.\nAnd I will be ‘on-call’ for you for a whole 30 days after to make sure you use these powerful trading techniques to their maximum potential.\nI’ll repeat – you won’t make a fortune overnight, and you’ll have to put some work in – but if you truly want to make a difference to your trading success rate…\n…And do something practical that could help pull in a number of sizeable profits…\nThen I believe this is un-missable.\nRemember, this invitation is going out to more than 10,238 traders, so if you’re interested, I urge you book your place immediately.\nI expect places to be snapped up within hours of this invitation going out.\nDon’t waste this chance. Claim your place right away!\nI look forward to hearing from you very soon, and to welcoming you – in person – to my exclusive, one-day seminar on 29 November.\nAlways remember, “Wisdom Yields Wealth”\nP.S. I really want you to be a part of this, so if you want to try and cut down your losses and close in on winning trades – I believe this seminar is exactly what you are looking for. Don’t miss out.", "domain": "finance"}
{"url": "http://www.winchestervasheriff.org/civil-enforcement-process/levy/", "date": "2020-11-29T10:58:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141197593.33/warc/CC-MAIN-20201129093434-20201129123434-00229.warc.gz", "language_score": 0.9462863802909851, "token_count": 773, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__125041795", "lang": "en", "text": "Winning a case in court is only the beginning of the process for collection of money that is owed to a plaintiff by the debtor. Unfortunately, in most cases the debtor does not normally pay up once the plaintiff has won. Therefore, it is up to the plaintiff to pursue the legal avenues available to them.\nFirst and foremost, the judgment the plaintiff obtained is good for 10 years from the date of judgment, renewable for another 10 years, if obtained in a General District Court, and for 20 years from date of judgment, renewable for another 20 years, if obtained in a Circuit Court. This is the time in which the plaintiff can pursue the collection of the debt.\nOne often-used process is called the Writ of Fieri Facias. This is usually referred to as either a Writ of FiFa or Levy. This process authorizes the Sheriff to go to the debtor's residence and inventory and/or seize property for collection of the debt. The Writ of Fieri Facias is good for ninety (90) days from the date of issuance. This means the Sheriff has ninety (90) days in which to execute the process. It does not usually take ninety (90) days to execute, but some cases are more difficult than others and will take longer.\nSteps to Levy Process\n- Once received by the Sheriff, the Writ is time/date stamped and entered into the computer. It is then given to the Deputy who serves the area where the defendant lives.\n- The Deputy is to determine the approximate value of the property to be levied upon.\n- After the Deputy inventories the property, a copy of the inventory list and a Bond letter are sent to the plaintiff.\n- The Bond letter informs the plaintiff how much of an indemnity bond will be needed prior to going to sale, if one has not already been posted. The bond indemnifies the Sheriff against any suit brought by third parties, should we levy upon property in the debtor's possession but owned by another. This bond must be posted prior to the sale. If the bond requested is not posted, the sale will be postponed. Surety for the bond can be obtained through an insurance company or a bondsman. Arrangements need to be coordinated with our office so we can properly complete the bond.\n- Once the plaintiff completes the bond requirements, a Notice of Sale is prepared by the Sheriff's Office and mailed to both the Plaintiff and defendant. By law, the Sheriff must give at least ten (10) day's notice before any auction takes place.\n- Advertising of the sale is placed in a minimum of three (3) locations within the City of Winchester. One is placed near or at the place where the sale is to be held. The signs are the property of the Sheriff's Office and cannot be removed without our permission. The Sheriff's Sales will also be advertised on the Sheriff's Office web site.\n- The plaintiff may advertise in the newspaper, but the advertisement must be approved by the Sheriff prior to placing the ad. This will ensure all legal requirements are met. The cost of advertising in the newspaper is the plaintiff's expense; however, any cost incurred to recover the debt may be added. The plaintiff would be wise to keep all receipts related to the collection of the debt.\n- If the plaintiff refuses to provide a bond when asked, the Sheriff is then under no obligation to proceed and can return the Writ back to the court not executed.\n- Normally, the Sheriff performs the auction. However, if the plaintiff wants to hire an auctioneer, this is acceptable. The auctioneer must be approved by the Sheriff and is done so at the expense of the plaintiff.\n- Both the plaintiff and defendant have rights and defenses and should seek the advice of an attorney if in doubt as to how to proceed.", "domain": "finance"}
{"url": "https://longsair.com/financing/", "date": "2024-03-02T03:20:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475727.3/warc/CC-MAIN-20240302020802-20240302050802-00185.warc.gz", "language_score": 0.911357045173645, "token_count": 232, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__93768554", "lang": "en", "text": "Financing Your Carrier Purchase\nInnovative Carrier products are trusted in more homes than any other brand. Expect the same trustworthy firebrand when it comes to financing your new Carrier purchase. Get in touch with us at Long’s Air Conditioning in Avon Park, FL to learn more about the Carrier financing plans we offer homeowners.\nA Wise, Long-Term Investment\nThrough our relationship with various financing companies and participating Carrier dealers, we are able to offer a variety of flexible options for financing your new Carrier product or system.\nThis way, you can invest in a home HVAC system that is capable of providing you and your family with comfort and value for a long time. You need not stress so much about going over your monthly budget.\nNo Need for Credit Solutions\nWith the Carrier financing plans we offer, you do not need to use up existing funding resources like home equity credit lines, credit cards, or bank accounts. The plan is designed to allow you make payments in lower increments. The plan makes it easier for homeowners by providing 3 amazing advantages:\n- Low Monthly Payments\n- Preferred Interest Rates\n- Flexible Terms", "domain": "finance"}
{"url": "http://camerafarm.com.au/faq.asp?Id=43", "date": "2019-03-21T18:49:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202530.49/warc/CC-MAIN-20190321172751-20190321194751-00508.warc.gz", "language_score": 0.893407940864563, "token_count": 160, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__25278385", "lang": "en", "text": "(1) Go to the nearest Western Union Office. A full list can be found on the Western Union website.\n(2) Fill out the Western Union \"To send Money\" form. No bank account is required for sender or receiver.\n(3) Give the form with the sending amount and fee to the Western Union Agent.\n94) The Western Union Agent will enter the information into the computer and then give you a receipt with your Money Transfer Control Number (MTCN).\n(4) Telephone or e-mail the MTCN number to us to collect the funds and ship your order.\nOur contact details can be found here.\nThis is a very easy way to transfer money Internationally.\nRelated Link: http://www.westernunion.com.au", "domain": "finance"}
{"url": "https://www.wellstat.io/blogs/esg-a-sustainable-trend-updates-from-uli-research", "date": "2023-12-03T17:22:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.42/warc/CC-MAIN-20231203161435-20231203191435-00788.warc.gz", "language_score": 0.9310314655303955, "token_count": 341, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__245872394", "lang": "en", "text": "ESG: A Sustainable Trend - Updates from ULI Research\nFebruary 7, 2023\nMACH attended the ULI conference in Washington D.C. in September. ULI is a thought leading organization with many lessons to impart, particularly from the annual ULI Emerging Trends report. The work is based on surveys of CRE (commercial real estate) professionals and research from ULI, PWC and others. A few interesting sustainability / efficiency data points from the report:\n* - ESG (Environmental, Social and Governance) awareness is particularly high among Millennials. ESG work and performance is factored into investment decisions for 55% of Millennials and 25% of Gen X investors.\n* - Other major investment issues for private equity investment decisions include energy efficiency (75% of respondents), sustainability governance (71%) and emissions / air quality (71%) (Source: PwC PE Responsible Investment Survey, 2019)\n* - Data and Diligence : two survey respondents, a consultant to institutional asset managers and their client, stated they believe ESG monitoring as a part of the acquisition due diligence process can be associated with improved risk-adjusted returns.\n* - Data and Due Diligence II : At MACH, we have heard from customers interested in leveraging our energy management software, energy reporting, budgeting and other functionality to help better diligence acquisitions. The visibility helps them move from guess-timates based on utility or tenant billing to more accurate forecasts, better post-purchase capital project outcomes and more insight into building operations or healthy buildings. More on better capital project outcomes here.\nCheck out the ULI press release here for more on the Emerging Trends report!", "domain": "finance"}
{"url": "https://www.stewardlink.com/payment-eligibility-and-payment-limitations/", "date": "2024-04-21T15:43:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817780.88/warc/CC-MAIN-20240421132819-20240421162819-00259.warc.gz", "language_score": 0.9233408570289612, "token_count": 1335, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__87582892", "lang": "en", "text": "NEW ORLEANS, Feb. 13, 2023 – Agriculture Secretary Tom Vilsack announced the U.S. Department of Agriculture (USDA) is making funding available for agricultural producers and forest landowners nationwide to participate in voluntary conservation programs and adopt climate-smart practices. The Inflation Reduction Act (IRA) provided an additional $19.5 billion over five years for climate smart agriculture through several of the conservation programs that USDA’s Natural Resources Conservation Service (NRCS) implements. NRCS is making available $850 million in fiscal year 2023 for its oversubscribed conservation programs: the Environmental Quality Incentives Program (EQIP), Conservation Stewardship Program (CSP), Agricultural Conservation Easement Program (ACEP) and Regional Conservation Partnership Program (RCPP).\n“The Inflation Reduction Act provided a once-in-a-generation investment in conservation on working lands, and we want to work with agricultural and forest landowners to invest in climate-smart practices that create value and economic opportunity for producers,” said Vilsack, who spoke today at the National Association of Conservation Districts annual meeting. “We know that agriculture plays a critical role in the nation’s effort to address climate change, we’re using this funding to bolster our existing programs, maximize climate benefits, and foster other environmental benefits across the landscape.”\nThe IRA funding includes an additional $8.45 billion for EQIP, $4.95 billion for RCPP, $3.25 billion for CSP, and $1.4 billion for ACEP. The increased funding levels begin in fiscal year 2023 and rapidly build over four years. These additional investments are estimated to help hundreds of thousands of farmers and ranchers apply conservation to millions of acres of land. Additionally, the IRA provides $300 million to quantify carbon sequestration and greenhouse gases (GHG) through the collection and use of field-based data to assess conservation outcomes. Information gained through this effort will be used to improve practices and technical assistance to customers. Further guidance on this important work will be provided as the implementation of this portion of the IRA continues.\nThese funds will provide direct climate mitigation benefits and will expand access to financial and technical assistance for producers to advance conservation on their farm, ranch or forest land through practices like cover cropping, conservation tillage, wetland restoration, prescribed grazing, nutrient management, tree planting and more. To ensure we can quantify the benefits of these IRA investments, NRCS is working to support Department-wide work on Measurement, Monitoring, Reporting and Verification (MMRV). The IRA provided targeted funding to support this effort. In administering the Inflation Reduction Act climate investments, USDA will also support other environmental co-benefits, including – among other things – water conservation, wildlife habitat improvements, and reducing runoff.\nHow to Apply\nNRCS accepts producer applications for its conservation programs year-round, but producers interested in EQIP or CSP should apply by their state’s ranking dates to be considered for funding in the current cycle. Funding is provided through a competitive process and will include an opportunity to address the unmet demand from producers who have previously sought funding for climate-smart conservation activities.\nFor ACEP Agricultural Land Easements (ACEP-ALE) or Wetland Reserve Easements (ACEP-WRE), applications for the current IRA funding cycle must be submitted by March 17, 2023, for the first funding round. This year, NRCS will prioritize ACEP-ALE for grasslands in areas of highest risk for conversion to non-grassland uses to prevent the release of soil carbon stores. Meanwhile, NRCS will prioritize ACEP-WRE for eligible lands that contain soils high in organic carbon.\nNRCS plans to roll out the next RCPP funding opportunity in early spring, which will include IRA funds from fiscal year 2023.\nOther opportunities for agreements and partnerships at the state level will be announced for fiscal year 2023 in the coming months. The IRA provides funding to support those strategic partnerships with local, regional and national organizations. This will include outreach to underserved producers to ensure IRA climate funding is reaching those who have been previously unable to access conservation assistance.\nWater Supply Investments\nUSDA also released today the Western Water and Working Lands Framework for Conservation Action that identifies 13 strategies that guide NRCS’s investments for helping agricultural producers and communities respond to the significant challenges resulting from threats to the water supply in the Nation’s most arid landscapes. Assistance delivered through these water-related strategies also helps build resilience to climate-change impacts such as droughts, wildfires and floods. Many of the resilience-focused activities and systems are also Climate Smart Agriculture and Forestry mitigation activities, which support carbon sequestration or greenhouse gas emissions reductions. Climate-smart mitigation activities are supported by the additional investments available from the IRA. As part of the Western Water and Working Lands Framework, USDA is also announcing and highlighting other drought focused investments, including the WaterSMART Initiative.\nOn Nov. 21, 2022, USDA published a Federal Register Notice requesting public input on implementation of the funding provided by the IRA and sought comments on program delivery and outreach, especially for underserved producers. That notice closed on Dec. 21, 2022, and NRCS received over 450 comments from the public, which the agency is using to guide actions in fiscal year 2023 and will continue to identify and adopt additional changes based on that public feedback in fiscal year 2024 and in future years.\nOn Aug. 16, 2022, President Biden signed the IRA into law. It is a historic, once-in-a-generation investment and opportunity for the agricultural communities that USDA serves. The IRA will help producers stay on the farm, prevent producers from becoming ineligible for future assistance and promote climate-smart agriculture by increasing access to conservation assistance.\nUSDA touches the lives of all Americans each day in so many positive ways. Under the Biden-Harris administration, USDA is transforming America’s food system with a greater focus on more resilient local and regional food production, fairer markets for all producers, ensuring access to safe, healthy and nutritious food in all communities, building new markets and streams of income for farmers and producers using climate smart food and forestry practices, making historic investments in infrastructure and clean energy capabilities in rural America, and committing to equity across the Department by removing systemic barriers and building a workforce more representative of America. To learn more, visit usda.gov.", "domain": "finance"}
{"url": "https://elihotseo.com/insurance-coverage-for-carbon-offset-projects-and-carbon-credits/", "date": "2023-12-01T23:36:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100308.37/warc/CC-MAIN-20231201215122-20231202005122-00710.warc.gz", "language_score": 0.917051374912262, "token_count": 1000, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__146858982", "lang": "en", "text": "As the world grapples with the challenges of climate change, carbon offset projects and carbon credits have gained significant attention. These initiatives play a vital role in reducing greenhouse gas emissions and achieving sustainability goals. However, like any other venture, carbon offset projects face inherent risks and liabilities. In this article, we will explore the importance of insurance coverage for carbon offset projects and carbon credits. By understanding the risks involved and the available insurance solutions, businesses and project developers can safeguard their initiatives and support the transition to a low-carbon economy.\nUnderstanding Carbon Offset Projects and Carbon Credits\nCarbon offset projects are initiatives that aim to reduce greenhouse gas emissions to counterbalance or “offset” emissions from other activities. They involve projects such as reforestation, renewable energy development, or energy efficiency improvements. Carbon credits are the units of measurement representing the reduction or removal of one metric ton of carbon dioxide equivalent (CO2e). These credits can be bought and sold, creating a market for emissions reductions.\nRisks Associated with Carbon Offset Projects\nCarbon offset projects face several risks and challenges. These include uncertainties in project validation, monitoring, and verification processes. Inaccurate or incomplete data can lead to risks related to the integrity of the credits generated. Additionally, the carbon market itself can be volatile, with fluctuating prices and regulatory uncertainties. Therefore, understanding and managing these risks is crucial for the success and credibility of carbon offset projects.\nInsurance Coverage for Carbon Offset Projects\nInsurance coverage plays a critical role in mitigating risks and protecting the stakeholders involved in carbon offset projects. Various types of insurance can be relevant, including general liability insurance, environmental liability insurance, and project-specific coverage for technology or operational risks. Tailored coverage is essential, considering the unique risks associated with each project phase, from development to verification and credit issuance.\nBenefits of Insurance Coverage for Carbon Offset Projects\nObtaining insurance coverage for carbon offset projects offers several benefits. Firstly, it provides financial protection against unforeseen risks and liabilities, helping to safeguard project investments and potential revenue streams. Secondly, insurance coverage enhances project credibility and instills confidence in investors and stakeholders. It demonstrates a commitment to risk management and responsible project implementation. Lastly, insurance support can contribute to the long-term viability and scalability of carbon offset projects by facilitating access to project financing and reducing the perceived risks associated with the initiative.\nChallenges and Considerations in Obtaining Insurance Coverage\nWhile insurance coverage for carbon offset projects is essential, there are challenges to consider. Assessing and underwriting risks specific to carbon offset projects can be complex due to uncertainties in project outcomes and carbon market dynamics. Moreover, limited data and standardization in the carbon market can pose challenges in risk assessment and pricing. Affordability may also be a concern for emerging projects and innovative technologies. Overcoming these challenges requires collaboration among insurers, project developers, policymakers, and other stakeholders.\nReal-world Examples and Case Studies\nSeveral successful examples of insurance coverage for carbon offset projects exist. For instance, wind energy projects have obtained insurance coverage to protect against risks such as equipment failure or delays in construction. Collaboration between insurance providers, project developers, and independent verification bodies has been key to the successful implementation of insurance solutions. Lessons learned from existing projects and best practices can guide future initiatives and foster industry-wide resilience.\nThe Future of Insurance Coverage for Carbon Offset Projects\nThe future holds significant potential for innovative insurance products tailored to carbon offset projects. With advancements in technology and data analytics, insurers can leverage tools to better assess and manage project risks. Parametric insurance solutions that rely on predefined triggers and indices could offer faster claims settlement and streamline the insurance process. Collaboration among insurers, policymakers, and carbon market stakeholders is crucial for developing effective insurance frameworks and supporting the growth of the carbon offset market.\nInsurance coverage is a crucial component in supporting the success and viability of carbon offset projects and carbon credits. By addressing the risks and liabilities associated with these initiatives, insurance provides financial protection and enhances project credibility. The availability of tailored insurance solutions for different stages of a carbon offset project is essential in managing uncertainties and fostering investor confidence.\nWhile challenges exist, including risk assessment complexities and limited data in the carbon market, the industry is continuously evolving. Collaboration among insurers, project developers, and policymakers is crucial in developing innovative insurance products that meet the specific needs of carbon offset projects. Technology advancements, such as data analytics and parametric insurance solutions, offer promising avenues for streamlining insurance processes and improving claims settlement.\nAs the world moves towards a more sustainable future, insurance coverage for carbon offset projects will play a pivotal role. By managing risks and providing financial security, insurance supports the growth of the carbon offset market and accelerates the transition to a low-carbon economy. Continued exploration, collaboration, and knowledge sharing will drive the development of robust insurance frameworks that support the long-term success of carbon offset projects and contribute to a more sustainable planet.", "domain": "finance"}
{"url": "https://turanoinsurance.com/about/", "date": "2023-12-03T21:14:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.53/warc/CC-MAIN-20231203193127-20231203223127-00573.warc.gz", "language_score": 0.9258847236633301, "token_count": 225, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__269959507", "lang": "en", "text": "Thank you for taking the time to visit our site. If you have any questions, please don’t hesitate to reach out, we’d love to hear from you.\nEstablished in 1974, we are a boutique independent insurance agency offering a comprehensive suite of insurance and financial services. We live where you live, we’re your neighbors and friends.We support our community and we’re accessible. Call and a real person you know will answer the phone. And we always provide a straight answer and sound advice. You are the focus of everything we do, and that’s why we build long-lasting relationships.\nIt means we are beholden to no one insurance company. It means we have one priority - you. Because we get to know you personally, our independence to choose from hundreds of carriers allows us to deliver you the best product at a price that works for your budget. Our goal and mission is simple: Make and keep you happy. Because when you’re happy, we’re happy. We strive to make your experience 100% hassle-free.", "domain": "finance"}
{"url": "http://broadmooroutlet.com/2016/11/17/instant-cash-loans-debunking-the-myths-surrounding-hard-money-lenders/", "date": "2019-04-26T10:12:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578765115.93/warc/CC-MAIN-20190426093516-20190426115516-00513.warc.gz", "language_score": 0.9751150608062744, "token_count": 482, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__64063397", "lang": "en", "text": "When most people hear the term \"hard money\" loan, they most likely think about sinister lenders such as dealing with the mafia or something just as outlandish. The truth of the matter though is that there is nothing dangerous about this type of financing. There is a myriad of lenders that offer this alternate financing, and the reason for this is because there is a need for instant cash loans. Below are some of the myths surrounding hard moneylenders and instant cash loans debunked.\nMyth 1: Instant cash loans are illegal\nThe first myth is that hard money refers to illegally acquired money. This is simply false. These types of loans are referred to as hard money loans since they can only be guaranteed by immovable property or asset. This means that the loan you are applying for will only be granted depending on how much value the asset you have put up has. They are a convenient option when you need fast cash, whether for shopping, medical emergency or investing, at short notice.\nMyth 2: Hard money lenders are out to steal from you\nThe second myth about these loans is that shoddy individuals fund them. This mistruth stems from the fact that not many people understand the world of money lending. Granted, a hard money lender is not affiliated with a conventional bank. Conventional banks are governed by rules that have been issued by the government. As such, there is not much leeway when it comes to giving money to borrowers who do not meet their criteria. The greatest advantage of hard money lenders is that it is private financing. These businesses are privately funded and as such can overlook a number of shortcomings in your application as long as you meet their core requirements.\nMyth 3: Instant cash loans have short borrowing periods\nThe third myth about these loans is that they need to be paid in the shortest time possible. This misconception may come from the stringent period of time that one has to utilise this loan, but it is not that short. When considering instant cash loans, your loan term will be determined by the amount of money that you require. The best way forward would be to conduct some due diligence on your part so as to know what different loan options are available to your particular situation. This, in turn, enables you to make an educated decision on what amount of money would make the most sense to borrow and if you would be able to pay it off in the allocated period.", "domain": "finance"}
{"url": "https://www.claimscorpnetwork.com/ccn-and-enterprise-partner-to-improve-service-to-european-motor-policyholders/", "date": "2024-03-02T00:34:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475711.57/warc/CC-MAIN-20240301225031-20240302015031-00407.warc.gz", "language_score": 0.9600611925125122, "token_count": 688, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__156867148", "lang": "en", "text": "Claims Corporation Network (CCN) has signed a Europe-wide agreement with Enterprise Rent-A-Car to extend the wide range of services CCN offers the insurance sector by including the provision of a replacement car when a policyholder has an accident and needs mobility.\n“CCN’s philosophy is to support clients in controlling and mitigating the total cost of claims with a platform that allows for fast, easy and simple claim handling and that delivers outstanding service. The cooperation is a perfect fit!” – Cees Werff, CEO of CCN\nThis agreement is the next step in CCN’s strategy to strengthen its European operational network by ensuring total market coverage and offering insurance companies a complete range of services that support policyholders through the claims process.\nThe range of CCN services already includes towing assistance, claims and repair management as well as repatriation and recovery (regress) of vehicles.\nPartnering with Enterprise Rent-A-Car, part of the largest rental group in the world and also the leading provider of replacement vehicles, significantly reinforces the support that CCN can offer to insurance companies within its European Road Mobility service.\n“Enterprise is a leading transportation solutions company with a strong heritage in providing replacement vehicles both in Europe and North America,” says Werff, “We are delighted to be partnering with Enterprise and we welcome this prominent global player to our network. Given Enterprise’s size, range of services and recognised commitment to customer service, we look forward to working together on a wide range of strategic projects that further support motor insurance companies and their customers across Europe.”\nEnterprise Rent-A-Car was the first company to recognise the role that rental providers could play in ensuring mobility for motorists who have been involved in an accident and are waiting for their vehicle to be repaired.\nAcross key markets in North America and Europe, Enterprise has developed a business model that is specifically designed to meet the needs of replacement customers. With more than 9600 locations in over 85 countries, including many neighbourhood rental offices in local communities, Enterprise’s extensive branch network means vehicles are close to where customers need them when they have an accident.\nEnterprise has also developed dedicated industry leading systems and software that manage data and streamline communication between the many organisations involved in handling a motor claim, from the insurance company to repairers, parts suppliers and salvage companies. This helps organisations to control cost and improve customer service.\nEnterprise is recognised as being a leader in customer service, which is rigorously measured based on thousands of customer calls every month which are rated to arrive at a score for each branch. Branch managers can only be considered for promotion if their customer service score is higher than the company average.\n“Providing replacement vehicles to motor policyholders is part of our history and of our heritage,” said Stuart Sandell, Director Replacement Division Europe at Enterprise Rent-A-Car. “It is core to our business in many countries across the world, and we have focused resources to develop knowledge, services as well as technologies to increase the value we bring to our partners. We are delighted to be working with CCN to support their vision of delivering more support to their customers. We look forward to helping to deliver better mobility at that critical point when a driver no longer has access to their own vehicle.”", "domain": "finance"}
{"url": "https://www.eagllplaw.com/general-duties-of-a-trustee/", "date": "2024-02-27T11:12:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474674.35/warc/CC-MAIN-20240227085429-20240227115429-00675.warc.gz", "language_score": 0.9178200364112854, "token_count": 329, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__80369265", "lang": "en", "text": "General Duties of a Trustee\nA Trustee is a fiduciary, bound to follow the terms of the trust and act only for the advantage of the Trust’s beneficiaries. The following is a summary of some of the California statutory duties of a Trustee:1. Duty to administer the Trust in accordance with the terms of the Trust and the law.\n2. Duty to be loyal by administering the Trust solely in the interest of the beneficiaries.\n3. Duty to deal impartially with the beneficiaries; the Trustee cannot favor one beneficiary at the expense of another.\n4. Duty to avoid conflicts of interest.\n5. Duty to take control of and preserve Trust property.\n6. Duty to make Trust property productive.\n7. Duty to keep Trust property separate and identified; the Trustee cannot commingle the Trust property with his or her own property.\n8. Duty to enforce claims of the Trust.\n9. Duty to defend actions of the Trust.\n10. Duty not to delegate the performance of acts that the Trustee can reasonably personally perform. The Trustee has a duty to exercise general supervision over persons to whom matters have been properly delegated.\n11. Where there is more than one Trustee, each co-Trustee has a duty to participate in the administration of the Trust and take reasonable steps to prevent a co-Trustee from committing a breach of trust.\n12. Duty to apply the full extent of the Trustee’s skills.\n13. Duty to report information and account to the beneficiaries.\n14. Duty to exercise discretionary powers reasonably.", "domain": "finance"}
{"url": "https://v3trader.com/learning-to-dance-the-viennese-two-step/", "date": "2020-07-09T03:51:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655898347.42/warc/CC-MAIN-20200709034306-20200709064306-00412.warc.gz", "language_score": 0.9572950601577759, "token_count": 1151, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__56653437", "lang": "en", "text": "For the past 24 hours, all eyes in the energy sector have been transfixed on Vienna.\nOnce again, what I have come to call the “Viennese two-step” at OPEC headquarters will translate into crude oil prices moving in the near term.\nIt also means I get little sleep as the networking among sources is in high gear – not exactly what I need after 22 hours of flights back from Singapore, but the intrigue here beats out jet lag.\nThe first step on the dance floor is what appears publicly in the press statements coming from the cartel. The second, on the other hand, is the net impact on actual volume in the market.\nThis latter step often plays out below the surface.\nAs I write this early on Friday, the world is once again awaiting a move from OPEC in conjunction with primary outside member Russia to bolster global crude oil prices.\nThe market briefly panicked yesterday when the cartel supposedly finished its meeting without a statement. However, this time around, several of the seasoned TV talking heads had this one right.\nOPEC needs the support of Russia to reach an acceptable cut in worldwide production. And the Russian Energy Minister Alexander Novak didn’t even land in Vienna until last evening.\nThe Russians will contribute an effective cut of about 300,000 barrels a day to what is likely to be a cut in the range of 1 million barrels from OPEC (most of that, of course, coming from the Saudis).\nThat aggregate of 1.3 million barrels a day is at the high end of my prediction well known to Oil & Energy Investor readers. The ceiling there was a 1.4-0million-barrel cut.\nHowever, an additional drain off from a Canadian decision to withhold an additional 300,000 barrels of heavy oil from the market means the overall cut will be much higher.\nWhatever “public” announcement is made about the amount of the cut, the genuine “second step” will add 100,000 to 200,000 of cuts beyond that.\nFirst, Venezuelan production will continue to contract, while Iraqi exports will cap, as increasing production levels there will not translate into appreciable rises in exports.\nIn other words, the recent oversupply problem we’ve had is looking to swing aggressively the other way.\nIn Vienna, Iran is largely a nonissue in all of this because it has an exemption from OPEC monthly production quotas.\nFollowing this week’s announcement that Qatar is leaving the organization next month, Iran is now making sounds that it may pull a disappearing act of its own.\nNow, Qatar adds only small amount to monthly cartel oil production, but it a major international provider of natural gas via liquefied natural gas (LNG).\nIran’s departure from OPEC, however, will result in a policy outlier for several major market players.\nBut Teheran is poised to redirect heavily in the LNG direction – with initial support from Chinese national companies – as U.S. sanctions have put advancing oil exports in doubt.\n#1 Profit Opportunity This Week\nThis Might Feel Like Insider Trading, But It’s Absolutely Legal (and ABSOLUTELY lucrative)\nI’ve kept this locked in my desk for 40 years – but I recently released it to some of my readers. Now it could be YOUR key to short-term market gains in the triple and double digits… And long-term returns that could pay you almost 10 times more than the Dow next year! See how you can get access.\nAmerica Joins the Dancers\nAll this is setting up an interesting Qatar-Iran-Russia development on the gas side with the Gas Exporting Countries Forum (GECF) emerging, as I noted in the last issue of Oil & Energy Investor.\nRecall, as I have discussed here on several occasions, that the main problem in pushing global prices down was an eleventh-hour political stunt by the White House – providing last-minute exemptions to the eight largest importers of Iranian crude from the sanctions for 180 days.\nFor over a month, the market had been factoring in additional production aimed at offsetting the heavy declines expected in export availability from Iran.\nWhen it became clear that the exports would still be allowed, the market was facing some heavy oversupply.\nIn the U.S., it will take several weeks to drain off the excess pumped up that has succeeded only in pushing down prices – and we’re seeing indications that that is now taking place with the declines in supply finally registering over the past several days.\nAs short artists attempted to squeeze out some last returns of what had been largely a final stage artificial downward push in oil prices, a more organized balance has set in.\nNot without bumps in the road, of course.\nBut the impact of politics, at least for the moment, has been “trumped” by more valid market indicators.\nThe official OPEC-Russian communiqué is not yet out as I write this, but what my network is telling me seems to be settling in.\nCrude oil prices are spiking up in both London (Brent) and New York (WTI) by more than 4%.\nAnd if you’re looking for a way to make some money on oil as this happens, I urge you to take a look at this.\nA massive $1.4 trillion oil discovery was found right here on American soil. And, if you play your cards right, you could be 12 times richer a year from now because of it…\nPowered by WPeMatico", "domain": "finance"}
{"url": "http://www.receipthog.com/faq.html", "date": "2014-08-27T22:59:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1408500829916.85/warc/CC-MAIN-20140820021349-00435-ip-10-180-136-8.ec2.internal.warc.gz", "language_score": 0.9337996244430542, "token_count": 537, "dump": "CC-MAIN-2014-35", "global_id": "webtext-fineweb__CC-MAIN-2014-35__0__135568227", "lang": "en", "text": "Have a question and looking for the right answer? Look no further\nIt is similar, though instead of spending 15 minutes scanning products barcodes after each grocery trip, it only takes 30 seconds to snap a photo of your receipt!\nNope, Receipt Hog is now avaliable for both iPhone, iPod Touch, & All Android Devices.\nFor every qualifying grocery receipt you submit, you'll earn coins which are redeemable for charitable donations and cash. Active participants become eligible for additional rewards including exclusive coupons and special offers from the brands you buy.\nYes! Please contact us here and we'll follow up with details on how you can leverage Receipt Hog for a group fundraiser to raise money for your school, club, or other charitable organization.\nNo! We are a market research company that works with the leading consumer goods brands. Your receipt data along with the answers to any survey questions you answer will be made anonymous and summarized in market research reports for brands that purchase this data.\nReceipts from ANY grocer, supercenter, club store, dollar store, drugstore, convenience mart or pet supply store count - regardless of what products you buy! Receipts from restaurants, apparel, home improvement, and gas-only purchases do NOT earn coins.\nReceipt submissions must contain the retailer name, all items purchased, their prices, the date, and the total amount paid. If any of this information is illegible to a person transcribing your receipt, you may not earn coins.\nYour receipt data along with the answers to any survey questions will be made anonymous and summarized in market research reports for brands that purchase this data.\nReceipt Hog will NOT share participant names or identifiable contact information with any third party unless you provide us your express consent to do so. By default, this information will only be used as necessary for communications with you, for the management of rewards and payouts, and to help prevent fraudulent use of our services.\nPlease note that Receipt Hog will NOT see your credit or bank card numbers. The receipts you submit do NOT contain this information - only the last 4-digits of the card number are printed on receipts.\nIf you purchase any specific items that you don't want to make visible to Receipt Hog, simply mark over them before photographing the receipt so that they cannot be read. You may also simply not submit a receipt at any time for any reason - you are always in control of what information you share with us. Please note, however, that individuals who consistently submit all of their receipts will receive greater rewards and have a greater influence on the brands that leverage this anonymous data.", "domain": "finance"}
{"url": "https://kansascity.yourihs.com/does-medicare-cover-stair-lifts/", "date": "2024-04-24T08:19:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819089.82/warc/CC-MAIN-20240424080812-20240424110812-00093.warc.gz", "language_score": 0.934994637966156, "token_count": 482, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__74519552", "lang": "en", "text": "Does Medicare cover stair lifts? Unfortunately, the answer isn’t as straightforward as we’d like. But we’re happy to provide as much clarity we can on the topic, so let’s jump right in.\nFor many individuals facing mobility challenges, navigating stairs can be a daunting task. Stair lifts, also known as stair elevators or stair gliders, offer a practical solution by providing a safe and convenient way to move between different levels of a home.\nMedicare, the federal health insurance program primarily for individuals aged 65 and older, typically covers certain durable medical equipment (DME) deemed medically necessary. This includes items such as wheelchairs, walkers, and hospital beds. However, when it comes to stair lifts, the situation is more nuanced.\nIn general, Medicare does not cover the cost of stair lifts because they are often considered to be for convenience rather than medical necessity. Since Medicare’s coverage is primarily focused on services and equipment that are directly related to medical needs and treatments, items like stair lifts may not meet the criteria for coverage.\nHowever, it’s essential to note that there can be exceptions and variations in coverage depending on individual circumstances and specific Medicare Advantage plans. Some Medicare Advantage plans may offer coverage for certain home modifications or assistive devices that enhance mobility, including stair lifts. It’s advisable to carefully review the details of your Medicare plan or consult with your insurance provider to explore any available coverage options.\nOTHER FINANCING OPTIONS\nFor individuals seeking financial assistance with the cost of a stair lift, there are alternative avenues to explore. Some state Medicaid programs may offer coverage for home modifications and assistive devices, including stair lifts, for eligible individuals with demonstrated financial need.\nAdditionally, there are nonprofit organizations and foundations that provide grants or financial assistance to help individuals afford essential home modifications and mobility aids. Researching these resources and exploring potential funding options can help alleviate the financial burden associated with purchasing a stairlift.\nIn conclusion, while Medicare typically does not cover the cost of stair lifts, there may be alternative avenues for obtaining financial assistance. It’s essential to explore all available options and consult with healthcare professionals and insurance providers to determine the best course of action based on individual needs and circumstances.\nQuestions about Medicare or other stair lift financing options? Contact us today!", "domain": "finance"}
{"url": "https://www.calgaryhouseguide.com/blog/article/Will-housing-prices-drop-in-Calgary-Or-continue-to-go-up-in-2024/BL5FE5D86CFACC47", "date": "2024-04-22T23:13:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00102.warc.gz", "language_score": 0.9640330672264099, "token_count": 608, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__174144117", "lang": "en", "text": "Will housing prices drop in Calgary?\nJust a few days ago the Calgary Real Estate Board released its annual Forecast Report, where the board’s economists provide their analysis and insight into how they think the Calgary real estate market will respond to the economic conditions affecting our market for the rest of the year. The Forecast Report is an excellent resource that is relied upon by countless businesses and public institutions that touch the Calgary real estate industry, so in addition to our regular monthly sales update I will also delve into the report and provide my thoughts on their outlook.\nIn last month’s report we made the case that the overall pricing picture for Calgary real estate hasn’t changed that much, with pricing hovering around the low $570,000 mark since August of 2023.\nEven though CREB does a great job with their analysis and reporting – and believe me, you will want to stay tuned for what we have to say about the Forecast Report – I do wish that CREB would report their pricing comparisons a little differently.\nCREB compares the most recent month’s sales statistics with the statistics from exactly one year prior. So, January 2024 gets compared with the market conditions from January 2023. And when you do that, the story becomes “Prices have increased 10%!”\nBut that doesn’t really tell active buyers and sellers what they really need to know, which is that pricing has been FLAT for the last six months. That’s right, we’ve had no price growth for the last half-year in the Calgary real estate market.\nThe average price of all sales in Calgary in January was $572,300, basically the exact same price that’s been reported for the last six months. This is a far cry from double digit price growth, so sellers need to be mindful not to shoot for the moon when they put their houses on the market.\nSo, what does the Calgary Real Estate Board think?\nCREB looks at many factors when making their sales and pricing forecasts for the year. They do a proper job of it, too, taking into consideration macro-economic factors such as provincial GDP growth, employment growth, international and interprovincial net migration, interest rates and a metric that will be under the spotlight a lot more in Calgary: housing starts. Considering all these factors, CREB is forecasting that the Calgary real estate market is going to hit the repeat button on last year’s performance, with a nearly identical set of numbers.\nPrices are expected to increase by approximately 6.6% over 2023’s numbers and sales are expected to equal last year’s figures at just under 28,000 sales for the year.\nIf you’d like to discuss any of these variables further or you are considering a move here? We can help! Feel free to contact us directly at 403-809-2903 or email email@example.com", "domain": "finance"}
{"url": "https://swbts.edu/news/releases/southwestern-makes-difficult-decisions-amidst-economic-uncertainty/", "date": "2020-04-03T11:37:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370510846.12/warc/CC-MAIN-20200403092656-20200403122656-00376.warc.gz", "language_score": 0.9595761895179749, "token_count": 802, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__104021015", "lang": "en", "text": "Southwestern makes difficult decisions amidst economic uncertainty\nFORT WORTH, Texas (SWBTS) – With the growing uncertainty in the nation’s current economic situation, Southwestern Baptist Theological Seminary finds itself in the unenviable position of making difficult decisions in an effort to protect the institution from future financial crisis. Following the Board of Trustees’ recommendations, reductions in the current budget are being made, including the temporary suspension of many overseas travel programs and adjustments to campus facilities.\nSouthwestern achieves its operating budget from four sources of income: endowment income, tuition and fees, charitable gifts and Cooperative Program funds. The devaluation of the stock market has affected Southwestern’s endowment similar to many other institutions of higher education. However, Southwestern’s endowment losses have proven to be affected less than other schools. President Paige Patterson noted that Southwestern must plan wisely in an effort to avoid tuition increases for the future since indications are that the economic strain on individuals will impact charitable gifts and Cooperative Program funds.\n“The seminary’s Board of Trustees has advised that with the stress on Cooperative Program giving as well as the losses sustained in endowment common to universities all over America, Southwestern must substantially reduce the current and future budgets,” said Patterson. “The seminary’s administration has been working now for some months to achieve these reductions.”\n“The administration is doing the best it can to find ways to cut spending that does not involve the release of existing faculty or the students employed by the school,” said Patterson. He went on to say that current economic trends would make this goal difficult to achieve.\nAs part of the cost-cutting measures, the administration chose to suspend the work of the Naylor Children’s Center on campus for at least the next 18 months. “Hopefully, the financial situation will reverse itself, but Southwestern is not able at this time to sustain the operation of the Naylor Children’s Center, which annually posts a deficit,” Patterson announced. Present work at the Naylor Children’s Center will be suspended as of December 31, 2008.\nSouthwestern has also suspended the Oxford Study Program and all of the Traveling Scholar overseas on-site study trips with the exception of those directly related to the 2+2 program in the Roy Fish School of Evangelism and Missions. The administration hopes to restore these trips possibly by 2010, but the administration points out that even this depends upon a rather dramatic reversal of present financial trends.\n“We anticipate that other cutbacks in the budget will be necessary to ensure that Southwestern maintains its debt-free operational position and to be certain that revenues cover expenditures,” Patterson stated.\n“This is a most regrettable circumstance and not of our own making,” said Patterson, “but as stewards before God, we are all responsible for handling matters with as much compassion and justice as we possibly can. The goal in the end is to have a strong seminary when the present financial crisis eases.”\nThe administration is hopeful that these changes will be temporary and that the nation’s economy improves. In the meantime, Southwestern prays these circumstances lead to renewed emphasis on spiritual matters and a national revival. Since its founding in 1908, Southwestern has weathered many financial storms, including two World Wars, the Great Depression and economic recessions. Trusting in the Lord’s providence, the seminary is thankful that the current decisions are precautionary and that Southwestern will continue to provide theological training for men and women for years to come.\nPatterson noted, “In addition to praying for our own seminary, we also pray for all six of our seminaries, each of which is facing a similar situation. We also share concern for the churches, especially those with heavy indebtedness.”", "domain": "finance"}
{"url": "http://www.shakers.org/join-support/make-a-gift/", "date": "2017-05-01T06:15:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917127681.84/warc/CC-MAIN-20170423031207-00032-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9201039671897888, "token_count": 1421, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__60217057", "lang": "en", "text": "Monetary gifts allow the Village to expand programming, restore buildings and add to the visitor experience by enhancing the interpretive programs.\nMake a Gift\nThe Shakers cared for the poor and used their resources and profit for social good. Today Canterbury Shaker Village uses its resources to educate people of all ages about the Shakers’ innovations, industry, architectural achievements, stewardship of the land and artisanship through workshops, tours, exhibits and special events.\nAdmissions and auxiliary income are not enough to preserve this National Historic Landmark and Museum. We rely on regular financial contributions to support programming, maintain and restore our buildings, and improve our visitor experiences.\nThere are several ways you can help us in preserving and sustaining Canterbury Shaker Village:\nA gift to the Annual Fund supports the current operating budget. It provides the Executive Director and Board of Trustees the ability to direct funds where they are needed most. Give online through our secure site. Click here to give.\nIf you prefer to send your contribution by mail, you may send your check, money order, or credit card authorization to the address below. Please do not send cash. Checks and money orders should be made payable to: Canterbury Shaker Village\nCanterbury Shaker Village 288 Shaker Road\nCanterbury, NH 03224\nOr simply call the Development Office directly at 603-783-9077 x 220 to charge your gift by phone.\nFind out if your or your spouse’s employer will match your gift by checking with your Human Resources Office.\nThe Village Visionaries are exemplary stewards of the Canterbury Shaker legacy. They provide annual support for the museum’s programs, exhibitions, preservation projects and scenic gardens and grounds. Their multi-year membership pledge of support is essential to the preservation of Canterbury Shaker Village and the creation of an exceptional visitor experience. Click here for more details on membership levels.\nTo become a Village Visionary complete our online pledge form, ask for information in person at the Admissions Desk or contact the Development Office directly at 603-783-9077 x 220.\nGifts of Securities & Mutual Funds\nMaking a gift of securities is both simple and tax efficient because you receive a double tax benefit. With a gift of appreciated securities, you are entitled to a federal income tax charitable deduction if you itemize your return. For appreciated securities held longer than one year, you may deduct the full fair market value of your gift. A second tax benefit with a gift of appreciated securities is that you avoid any capital gains tax. Securities may be transferred through your broker or by delivery of the securities to Canterbury Shaker Village. If the Securities are Depository Trust Company (DTC) eligible, they may be transferred electronically to our asset manager at TD Wealth Management. To make a gift of appreciated securities please contact:\nTodd Mills, Sr. Investment Advisor: todd.mills(at)td.com, 207-756-6832\nMegan Tolstenko, Private Client Service Associate: megan.pouliot(at)td.com\nTD Private Client Group, a business of TD Wealth®\n300 Franklin Street, Manchester, NH 03101\nT: 603-695-3401, F:603-647-1297\nIf You are looking for…\n- guaranteed income for life\n- a tax deduction this year, retirement income for future years\n- increased income from low-yielding, highly appreciated securities\n- a way to create pension income for a long-time family employee\n- a way to offer financial assistance to a relative\n- a way to provide tuition assistance to children or grandchildren\n- strategies for preserving the value of assets you pass on to your heirs\n- the feeling that comes from making a significant charitable contribution\n…a Planned Gift can benefit you as well as Canterbury Shaker Village and other charitable organizations that you value.\nEldress Bertha Lindsay Legacy Society\nThe Eldress Bertha Lindsay Legacy Society was founded in 1996 by Friends of the Village who wished to honor the last Shaker Eldress. Eldress Bertha Lindsay dearly loved her Shaker home and pioneered the effort to preserve it for future generations. The Society is composed exclusively of donors who have contributed a minimum gift of $10,000 to the growth of the Village’s Endowment or Collections through bequests, trusts or other planned giving instruments. Members of the Eldress Bertha Lindsay Legacy Society are recognized publicly every year and invited to special events at the Village.\nThe lasting impact of bequests—both large and small—has helped shape CSV today. For many members and friends of CSV, a charitable bequest is the easiest and best way to make a gift to the Village. By means of your will or other estate plan, you can name CSV as the beneficiary of a portion of your estate, or of particular assets in your estate. Many of the most powerful gifts with an enduring impact have been bequests.\nThere are many reasons to make a bequest. A bequest allows you to honor a loved one, while providing critical support to the Village. Giving by bequest costs nothing now, yet it may give you a great deal of satisfaction to know that your future gift will live on.\nGifts of IRAs/Retirement Plan Assets\nYou can designate CSV as a beneficiary of part or all the remainder of your IRA or retirement plan. Distributions from retirement plans at the death of the survivor of the account-holder can be subject to both income and estate taxes. In a large estate, these taxes can leave less than 30 cents on the dollar of the plan’s balance for your children or other heirs. By naming CSV as the beneficiary of the remainder of your retirement plan, 100 percent of the plan’s balance is available for CSV’s use, since the distribution avoids both income and estate taxes. To make this type of gift, notify your plan’s administrator and submit a “change of beneficiary” form.\nGifts of Life Insurance\nIf you have more insurance coverage than you need, you may consider giving CSV a paid-up policy. By transferring the ownership of your policy to CSV, you receive a charitable income tax deduction equal to the policy’s cash surrender value or cost basis, whichever is less.\nGifts That Pay You Income\nLife income plans enable you to make a meaningful gift to CSV while receiving significant income and tax benefits. There are several different types of life income gift arrangements available. These include charitable remainder trusts, gift annuities, and pooled income funds.\nWith a charitable lead trust, you can make annual gifts to support an area of interest to you at CSV for a term of years, typically between 10 and 20.\nPlease consult your financial advisor for more information and call the Business Office at 603-783-9077 X 204 to learn more about these gift giving opportunities.", "domain": "finance"}
{"url": "http://fcathailand.com/2016/06/17/thai-government-revenue-announcement/", "date": "2018-02-21T08:59:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813602.12/warc/CC-MAIN-20180221083833-20180221103833-00226.warc.gz", "language_score": 0.9761630296707153, "token_count": 430, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__261488167", "lang": "en", "text": "Thai government announces total revenue of THB2.69 trillion for first 8 months of fiscal year\nAs of May 3 2016, the Government Financial Management Information System had collected THB2.69 million in revenue from state agencies as well as contributions from state-owned enterprises for the first 8 months fiscal period ending in 2016.\nIn addition overall government spending was on track according the director-general of the Comptroller-General’s Department, Manas Jamveha who said that 65.77% of the total THB2.72 trillion had been spent in the first 8 months.\nIt perhaps comes as little surprise that the greatest proportion of the revenue came from VAT amounting to THB50.81 billion which equates to 17.36% of all the tax received. Corporate income tax and personal income tax made up 10.4% and 8.43% respectively. The tax generated from oil and gas products made up 4.44% of the overall revenue.\nIt has been predicted that tax revenue generated will increase again in the period of May compared with the previous year with figures suggesting that there has been a slight improvement in the economy over the last 12 months. State spending is also expected to increase to help boost the economy in conjunction with the government’s economic stimulus measures. These measures are intended to boost living standards throughout the country and to expand the economy.\nThe long term benefits from a social perspective are quite apparent although the increased tax revenue is not welcomed by all with some in business claiming that taxes are too high and stunting economic growth. The One Book Accounting System that was brought in earlier this year is viewed as a tactic to reduce tax evasion and has once again received a mixed welcome.\nAs the government pushes forward with their attempts to increase transparency and reduce corruption there will no doubt be further conflicts and more questions asked. The government is looking to close all loopholes relating to tax so it is likely that tax revenue will increase again during the final 4 months of the fiscal year. This when coupled with the growing confidence in the economy suggests that budgets may again increase in the 2017 fiscal year.", "domain": "finance"}
{"url": "https://www.ncai.org/resources/resolutions/call-for-irs-to-defer-to-the-department-of-the-interior-on-characterization-of-tribal-trust-funds", "date": "2023-02-06T10:20:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500334.35/warc/CC-MAIN-20230206082428-20230206112428-00298.warc.gz", "language_score": 0.9266694784164429, "token_count": 1099, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__84265203", "lang": "en", "text": "The National Congress of American Indians\nTITLE: Call for IRS to Defer to the Department of the Interior on Characterization of Tribal Trust Funds\nWHEREAS, we, the members of the National Congress of American Indians of the United States, invoking the divine blessing of the Creator upon our efforts and purposes, in order to preserve for ourselves and our descendants the inherent sovereign rights of our Indian nations, rights secured under Indian treaties and agreements with the United States, and all other rights and benefits to which we are entitled under the laws and Constitution of the United States, to enlighten the public toward a better understanding of the Indian people, to preserve Indian cultural values, and otherwise promote the health, safety and welfare of the Indian people, do hereby establish and submit the following resolution; and\nWHEREAS, the National Congress of American Indians (NCAI) was established in 1944 and is the oldest and largest national organization of American Indian and Alaska Native tribal governments; and\nWHEREAS, the NCAI adopted Resolution #LNK-12-010 at its 2012 Mid-Year Session in Lincoln, Nebraska calling for the Internal Revenue Service (IRS) to cease unlawful efforts to tax tribal trust per capita payments, which are directly derived from tribal trust resources, and NCAI adopted Resolution #SAC-12-052 at its 2012 Annual Convention in Sacramento, California calling for the IRS to immediately issue a decision declaring that trust per capita payments are non-taxable; and\nWHEREAS, NCAI greatly appreciates that on March 10, 2014 the IRS issued Notice 2014-17 providing “interim guidance” concerning the taxability of tribal trust per capita payments, and inviting comments by September 17, 2024 prior to issuance of final guidance; and\nWHEREAS, Notice 2014-17 correctly states that tribal trust per capita payments are exempt from taxation pursuant to federal law as a “general rule” but goes on to describe in detail three “exceptions” involving the “mischaracterization” of taxable personal income as non-taxable per capita distributions; and\nWHEREAS, the three “exceptions” set out in Notice 2014-17 describe the “mischaracterization” of taxable compensation for services, non-trust business profits mischaracterized as trust land lease payments, and taxable gaming revenues mischaracterized as trust land lease payments, all of which are activities related to deposits and withdrawals from tribal trust accounts managed by the Office of the Special Trustee (OST) in the U.S. Department of Interior and tribal trust and restricted fee land leases approved and managed by the Bureau of Indian Affairs; and\nWHEREAS, NCAI and its member tribes are very concerned that Notice 2014-17’s detailed description of “exceptions” to the tax exemption accorded tribal trust per capita payments will result in the IRS undertaking additional intrusive and unnecessary audits and examinations of tribal financial, enrollment and other internal records. Any questions or concerns the IRS may have regarding possible “mischaracterization” of trust per capita payments should be addressed to the OST and BIA through proper intra-governmental consultations between Treasury and Interior department agencies; and\nWHEREAS, the Department of Interior regulations at 25 C.F.R. § 115.702 already include a process where Interior reviews the source of tribal funds for inclusion in a trust account; and\nWHEREAS, it is the policy of the Department of Interior to maximize tribal revenue from tribal trust and restricted fee land through leasing and other business activities.\nNOW THEREFORE BE IT RESOLVED, in order to prevent unnecessary IRS audits of tribal records resulting from any per capita guidance and to prevent conflict with Interior regulations and policy, NCAI member tribes call on the IRS in its final guidance on the tax exemption accorded tribal trust per capita payments to omit the three stated “exceptions” to the tax exemption; and\nBE IT FURTHER RESOLVED, that the NCAI member tribes call on the IRS to include in the final guidance regarding the tax exemption for tribal trust per capita payments a prominent direction that:\n“The IRS shall defer to the Department of the Interior and its regulations and decisions on the characterization of trust funds and on tribal trust and restricted fee land leases, and will address any questions or concerns regarding possible mischaracterization of taxable tribal payments as tax-exempt per capita payments through appropriate consultations with the OST and the BIA.”; and\nBE IT FURTHER RESOLVED, that the IRS shall confirm that issues regarding tribal trust accounts and tribal trust and restricted fee land leases shall be addressed through consultations with the OST and BIA, and that NCAI member tribes and their citizens shall not be subject to audits or examinations regarding trust per capita payments made pursuant to the Per Capita Act prior to consultation with OST and BIA; and\nBE IT FINALLY RESOLVED, that this resolution shall be the policy of NCAI until it is withdrawn or modified by subsequent resolution.\nThe foregoing resolution was adopted by the General Assembly at the 2014 Mid-Year Session of the National Congress of American Indians, held at the Dena'ina Civic & Convention Center, June 8-11, 2014 in Anchorage, Alaska, with a quorum present.", "domain": "finance"}
{"url": "http://www.capetown.travel/blog/entry/cape_town_crowned_best_tourism_investor_city", "date": "2016-07-27T21:32:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257827079.61/warc/CC-MAIN-20160723071027-00191-ip-10-185-27-174.ec2.internal.warc.gz", "language_score": 0.9376561641693115, "token_count": 276, "dump": "CC-MAIN-2016-30", "global_id": "webtext-fineweb__CC-MAIN-2016-30__0__90492400", "lang": "en", "text": "March 25, 2009\nCape Town crowned “Best Tourism Investor City”\nCape Town Tourism is the proud recipient of the Best Tourism Investor City of the Year award, in the Africa Investor (AI) Tourism Investor Awards 2009.\nThe awards were organised in partnership with the Government of Mozambique, and the awards event was held in Maputo on February 27, 2009.\nTourism Investor is published by Africa Investor, an investment strategy and research group. According to AI, the publication is “Africa’s leading magazine for international tourism and hospitality investors”, with a circulation of over 20 000, and a readership of roughly 160 000 per copy.\nPhoto courtesy flickrbug\nThe awards recognise individuals, organisations, businesses and governments that have contributed to growing sustainable investment in the tourism sector within Africa. Categories include Best Business Resort, Best Business Airline, Best Sustainable Tourism Initiative, and Hotel Investment of the Year.\nWinners were selected by a panel of judges, including Geoffrey Lipman, the special advisor to the Secretary General of the World Tourism Organisation.\nCape Town came out on top from a short list that included Port Louis (Mauritius), Nairobi (Kenya), Sharm Al Sheikh (Egypt), Calabar (Nigeria) and Gaborone (Botswana).", "domain": "finance"}
{"url": "https://globaltax.services/insights/dutch-30-ruling-what-eligibility-requirements-application-process-how-to-apply/", "date": "2023-09-24T12:39:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506646.94/warc/CC-MAIN-20230924123403-20230924153403-00177.warc.gz", "language_score": 0.9551357626914978, "token_count": 4370, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__93262592", "lang": "en", "text": "What is the 30% ruling (also known as “30% facility”)\nThe 30% ruling is a Dutch expatriate tax regime. It is designed to facilitate the hiring of employees with special skills or expertise from abroad to the Netherlands.\nUnder application of the 30% ruling, the employer may pay out part (thirty percent) of the employee’s salary tax free.\nEssentially, the 30% ruling allows the employee to receive a higher net salary without an increase in employer’s costs.\nApart from the usual obligations connected with payroll processing, there are no other responsibilities or liabilities for the employer.\nThe tax-free allowance is intended to cover so-called extraterritorial costs (regardless of the actual amount of any such costs incurred), which are costs that originate from the fact that the employee is working in a different country than his country of origin.\nThe employer and employee do not have to prove the existence of such extraterritorial expenses to receive the tax-free allowance.\nThe Dutch tax authorities may grant the 30% facility to foreign employees who are hired (i.e. payrolled) from abroad by a legal entity or branch based in the Netherlands, and who meet certain additional conditions (see further below).\nIt is therefore worth bearing in mind that simply moving to the Netherlands as a self-employed individual / without being hired / payrolled by a Dutch entity or branch, it is not sufficient to take advantage of the 30% ruling as the facility is designed to be applied via a Dutch payroll and not by filing a Dutch tax return.\nIt is also worth noting that the 30% ruling, once granted, is applicable to all wages from current employment (including e.g., bonus amounts, equity incentives and the private use of the company car) but not to severance payments.\nAn important additional benefit of the 30% ruling is the fact that the employee may choose to be treated as a non-resident Dutch taxpayer for income derived from substantial interests (owning 5% or more in a company) and income from savings and investments.\nThis also means that other non-employment income not sourced from the Netherlands (such as for example from rental property located abroad) will also not be taxable in Holland.\nEligibility requirements for the 30% ruling\nThe main eligibility criteria for the 30% facility are:\nHired from abroad\nThe employee needs to be recruited from abroad or assigned from abroad to the Netherlands.\nNon-resident directors of a Dutch company may also qualify for the facility.\n150 KM from the Dutch border\nThe employee must have been living, prior to his recruitment or assignment to the Netherlands, at least 150 km from the Dutch border during 16 out of 24 months.\nHowever, this condition does not apply to PhD students who graduate or have graduated in the Netherlands (or within the 150 kilometer-radius) and have started their employment in the Netherlands within one year of graduation.\nThe employee needs to earn a taxable employment compensation of at least €38,961 (this minimum threshold was €38,347 in 2020 and €37,743 in 2019).\nAlternatively, if he/she is younger than 30 years of age and has a Dutch master’s degree (university level) or foreign equivalent, the minimum required salary is €29,616 (this minimum threshold was €29,149 in 2020 and €28,690 in 2019).\nEmployees must have specific knowledge or expertise that is scarce on the Dutch labour market.\nThe specific expertise requirement is deemed to be fulfilled if the salary thresholds mentioned above are met.\nFurthermore, employees should fulfil the specific expertise condition on a continuous basis.\nIn other words, they have to meet the salary requirement throughout the entire period for which the 30%-facility is granted.\nIf the salary requirement is not met at any given time, the 30% facility will cease to be valid (even if it has already been granted) immediately with retroactive effect for that year and can no longer be used.\nAgreement in writing between employer and employee\nApplication of the 30% ruling must be agreed in the employment agreement or an addendum thereto and submitted as a joint request for (or on behalf of) both employer and employee.\nApplicability period of the 30% ruling\nThe 30% ruling may be applicable for a maximum period of 5 years / 60 months.\nThe Dutch Government had previously decided to shorten the maximum applicable period from 8 to 5 years from 1 January 2019.\nHowever, after a series of consultations, they have revised the end date of the previous maximum 8-year period to 31 December 2020 for 30% facilities with an original end date between 2021-2023.\nFor those 30% facilities originally ending in 2024 or later, the revised end date of the 30 ruling is 3 years less the original end date.\n30% rulings where the original end date was in 2019 or 2020, have remained unchanged with an 8-year maximum period being applicable.\nNote that any periods, exceeding 20 days in each calendar year, of earlier work or stay in the Netherlands, in the prior 25 years, will be deducted from the maximum period of application.\nFurthermore, if the presence in the Netherlands has been for personal circumstances and was:\n(a) no more than six weeks each calendar year; and/or\n(b) a one-off continuous stay of 3 months, the duration period of the 30%-facility will not be reduced by these periods of previous stays.\nThe 30% ruling must be filed within 4 months after the start of the employment to obtain retroactive effect to the start date of the employment.\nA later application may still be successful, but the start date of the 30% ruling will then shift to the first day of the month following the application and the first months will be deducted from the maximum period of application.\nIf the employee changes employment and if he/she and their new employer wish to continue the 30% ruling, a new request must be filed for the new employment.\nThe period between the end of the old employment and the beginning of the new employment may not exceed 3 months.\n30% facility application process explained\nThe 30% ruling application must be made in writing, using a paper form (link provided in this article below) and sent to the Belastingdienst (Dutch Tax Office).\nThe application must be supplemented with supporting documentation (see below for a checklist of documents to enclose).\nIdeally, a complete request is made with the initial submission, meaning that all the required information and documentation is provided in one instance.\nThis facilitates the application process and improves the chances for a speedy and favourable decision.\nHowever, an incomplete application may at times need to be submitted in order to meet the deadline.\nTimelines and deadlines of the 30% facility process\nThe deadline for the initial application is 4 months after the start of the employment for which the application is made so that it can have retroactive effect from the start of the employment.\nProcessing time is usually between 8 and 12 weeks after submission of the complete application to the Dutch tax authorities.\nAn incomplete application will still be considered as valid in terms of meeting its deadline.\nTherefore, if not all necessary information is available within 4 months after the start of the employment, an incomplete application is still submitted to “save” the deadline.\nThe Dutch tax authorities will then ask for any missing information and allow for some additional time to provide it thus delaying their decision.\nIn anticipation of a positive outcome, the 30% ruling may be applied to the payroll even though it has not yet been formally granted. However, in this scenario, in case of a subsequent refusal, the payroll then has to be adjusted and the tax free cost allowance taxed.\nChecklist of documents in support of the 30% ruling application\n- Employee’s resumé / curriculum vitae\n- Employee’s copy of passport (page with personal details and signature)\n- Copy of employment agreement / assignment letter\n- Copy of job description\n- Employee’s address (including previous stay in the Netherlands, if any)\n- BSN number\n- Proof of residence abroad (copies of utilities’ bills, excerpt of municipal register and so forth) covering at least the period of 24 months prior to arrival in the Netherlands, including preferably one bank statement per month containing a cash withdrawal or a card payment\n- Employee’s residence / work permit\n- Employer’s Dutch company details (including industry sector code) and wage tax number\n- Prior 30% facility decision(s), if any\n- Employer’s and employee’s Power of Attorney (if the application is submitted on their behalf) with wet signature provided as no digital signatures are currently being accepted for this type of documentation.\n- Addendum to the employment agreement regarding the 30% facility (if the 30% facility requirement is not already sufficiently covered in the employment/ assignment agreement)\nPractical examples illustrating how the 30% ruling is applied\nAn employee has a salary of €150,000 and meets all the other conditions to qualify for the full 30% ruling. This means that after applying the 30% ruling to his payroll, his taxable salary will be €105,000 thus enjoying a tax-free allowance of 45,000.\nAnother employee has a salary of €55,000. If the 30% ruling would be applied in full to her payroll, her taxable salary would be €38,500. This is lower than the mandatory salary and therefore not allowed. In this case, she would only benefit from the 30% ruling partially, for a maximum amount of €55,000 minus €38,961 (the minimum salary threshold requirement for 2021) = €16,039 tax-free allowance.\nHow to apply for the 30% ruling yourself\nIt is possible to apply for the 30% ruling directly yourself.\nCases of employers and employees successfully filing the application on their own are not uncommon.\nThe requirements and supporting documentation don’t change.\nHowever, this option should be carefully considered as the application might be denied if the Dutch tax authorities, for instance, review the employment contract and it does not contain the necessary and legally compliant language.\nIn fairness, not all parts of the application and supporting documentation may always be fully reviewed during the application process.\nHowever, if there is a subsequent audit on the Dutch employer which picks up on information being supplied as being non-compliant with the granting of the 30% ruling, it could lead to a retroactive denial.\nIf both employer and employee wish to proceed with a joint application on their own, they will need to complete the 30% ruling application form (link here) and send it to the address provided.\nIt is always advisable to send the complete application and all supporting documentation by recorded delivery which includes confirmation of delivery.\nThe Dutch tax authorities will then send a letter confirming receipt and subsequently, within the time frame previously mentioned of 8-12 weeks, either:\n- Request additional information;\n- Deny the 30% ruling;\n- Grant the 30% facility.\nIf the Belastingdienst request additional information as a result of documents being missing, you should send the requested documentation as soon as possible.\nHowever, if Dutch Tax Office has specific questions which are technical in nature, you may want, at this stage, to enlist the help of an expert professional on 30% ruling applications.\nShould the application be denied, an objection can be filed within 6 weeks.\nIf, the Dutch tax office, upon reviewing your objection, still denies the granting of 30% ruling and in the meantime, it was being applied to the payroll, then an adjustment is needed.\nThe adjustment will more than likely result in the 30% tax free allowance enjoyed until that point due to be paid back either as a one-off payment to the Dutch tax office or, if possible, spread over the course of the next few payrolls as an additional deduction.\nIf the 30% ruling is granted, employee and employer should check the confirmation letter and ensure the data reported (i.e. company wage tax number, BSN number, the duration of the ruling, etc.) on it is correct.\nIf any details are incorrect, you should reply to the letter within 6 weeks highlighting any discrepancies found.\nOnce all details on the confirmation letter have been verified to match those on the application submitted, the 30% ruling can be applied to the monthly payroll.\nIf the 30% ruling was already being applied in anticipation of a positive outcome, then no adjustment is needed.\nHowever, if the employer’s payroll up until that point did not apply the 30% facility already, the 30% tax free income can be applied retroactively until the start date of the 30% ruling.\nThis can be done as a one-time salary recalculation which will result in a refund being issued.\nIt is also worth mentioning that the 30% ruling is subject to an annual review by the Belastingdienst and therefore it is advisable that each year-end all the relevant information is checked to ensure it is still up to date and accurate.\n30% ruling FAQ\nWhat is considered salary?\nRegular employment income from the current employment is the basis for calculating the 30% tax free allowance.\nSpecial rules apply to pension premiums. However, bonuses, holiday allowance, benefit package and company car all fall under the 30% ruling remit.\nSeverance payments do not fall under the 30% ruling definition of regular employment income from the current employment and therefore do not qualify for the 30% tax free allowance.\nIf an employee is made redundant, it is important that they have a breakdown of the redundancy package so it can be determined which part is payment in relation to bonus, outstanding holiday allowance, etc. and which part is the actual severance payment.\nStock options, RSU, shares incentive plans and other equity relating income follow the general principle that the basis of the 30% ruling is the income from current employment that is earned during the period in which the 30% ruling is applicable.\nIn general, the 30% ruling does not apply to salary that becomes taxable after the termination of employment.\nThis means that prima facie it is not possible to apply the 30% ruling on stock options that become taxable after the last day of the employment.\nHowever, when such income becomes taxable in the month following the month of termination, the 30% ruling may still be applied (provided it is still within the granted duration period).\nIt is therefore often more beneficial to exercise options before (or immediately after) the termination of an employment in order to take advantage of the 30% ruling for this type of income.\nIs there a mandatory requirement for the employer to file a joint application with their employee/s.\nNo, the employer is under no obligation to file a joint application with the employee/s.\nCan you apply or re-apply for the 30% ruling if you start your own business?\nIf you are employed in Holland and have been granted the 30% ruling, it is still possible to start your own business and keep the benefits of this facility.\nYour business should be set-up as a B.V. that pays you an employee salary.\nThe B.V. should then apply for the 30% ruling on your behalf.\nThe application should be submitted within 3 months of changing employment and the employment contract needs to contain the appropriate wording required for a successful 30% ruling application.\nWe are hiring an individual within the Netherlands, is it still possible to successfully apply for the 30% facility?\nEmployees recruited from within The Netherlands can still successfully apply for the 30% ruling.\nThey will have to demonstrate that either:\n- they are moving from abroad to The Netherlands for their job, or\n- if they already work in The Netherlands for another employer, that they are still eligible for the 30% ruling in the new employment.\nThere are some other caveats and conditions to be met but ultimately employing someone who is already in The Netherlands does not automatically deny granting of the 30% ruling.\nAre there any limits on the 30% tax free allowance?\nCurrently there are no caps. Therefore, even if someone had a 100 million euros salary, if they are granted the 30% facility, their taxable salary will still be 70 million euros with a 30 million euros tax-free allowance being granted.\nIs it possible to keep the 30% ruling if I change employment / get the 30% ruling twice?\nIt is indeed possible to obtain the 30% ruling for a new employment, as this is a change of employer situation which is allowed under the 30% ruling.\nHowever, there is still an application to be filed so that the Dutch tax authorities can review if the 30% ruling can be continued with the new employer.\nThe usual eligibility criteria will apply and, in addition, the gap between the end of the old employment and the start of the new employment may not exceed 3 months.\nAre there any categories of employees excluded from the minimum salary requirements of the 30% ruling?\nScientific researchers, employees working in scientific education or doctors in training, have no minimum salary requirement. However, there are restrictions on the companies or institutions this group of employees can work for.\nIs it possible to retrospectively apply for the 30% ruling?\nIf you didn’t apply for the ruling despite being eligible for it (for example because the application was never submitted or the employer did not want to be part of the process), it may still be possible to apply.\nYou might have missed one or two years of the 30% facility benefits but it is still worthwhile to obtain the ruling.\nThe Belastingdienst will just reduce the total duration of the ruling by the period you have already resided in the Netherlands.\nIs the 30% ruling accessible to Dutch nationals?\nThe 30% ruling is not discriminatory per se against Dutch nationals.\nWhat is important is that the employee has lived outside the Netherlands for sufficient time, so that any periods of earlier work or stay in The Netherlands, that would reduce the maximum period of applicability of the 30% ruling, can be ignored.\nAny periods of earlier work or stay in The Netherlands that ended in the 25 years prior to arrival for the new role in Holland need to be deducted from the maximum period of applicability (5 years / 60 months).\nAs mentioned above, there are some exceptions to the period taken into account for this rule like for example brief visits for holiday, family, and limited days of work in the Netherlands.\nIs the 30% facility accessible to non-expats?\nAn individual does not have to be an expat to meet the requirements of the 30% ruling.\nA local hire under a standard Dutch employment contract may also be eligible for the 30% facility.\nIs foreign salary included in the minimum salary requirements?\nThe Dutch tax authorities have clarified they will take into account employee’s income from current employment.\nThis effectively means that someone receiving a split salary paid part in The Netherlands and part in a foreign location will have the entire worldwide income counted towards the minimum salary threshold to qualify for the 30% facility.\nIs salary from part-time work apportioned in calculating the minimum salary requirements?\nThere are no specific rules for part-timers hence you should assume the usual threshold used for full-time workers remain applicable in determining eligibility for the 30% ruling.\nAre there special 30% ruling concessions for employees on parental leave?\nYes, special provisions do exist for employees on parental leave.\nIs it possible to accrue pension contributions taking advantage of the 30% tax-free allowance?\nYes, it is. Employers are under no obligation to agree to it. In practice though, this mechanism is often well-aligned with the pension providers.\nIs garden leave also covered by the 30% ruling?\nThe Belastingdienst have clarified they consider garden leave payments not as income from current employment if it extends to more than one month following the month in which the active employment activities are terminated.\nContinuation of the 30% ruling with another Dutch employer may also be jeopardized when there is more than three months’ time between the start of gardening leave and the date a new employment agreement with a new employer is executed.\nHow may a global mobility tax services specialist help with your 30% ruling needs\nA specialist in global mobility and international tax services is well positioned to assist with:\n- Reviewing your 30% ruling application and giving advice on whether employers and employees need to provide anything still missing before submitting the application.\n- Running a preliminary assessment of your personal circumstances to confirm whether your 30% ruling application is likely to be granted.\n- Helping employers apply the 30% ruling to their monthly payroll runs.\n- Supporting you with post application enquiries made by the Belastingdienst.\n- Providing assistance with complex cases involving relief from active working activities and/or various equity benefits.\nContact us should you require further clarifications on the 30% Dutch ruling and/or have a look at some of the other insights we have published.", "domain": "finance"}
{"url": "http://www.ngifinance.co.uk/business-loans/", "date": "2013-05-24T05:51:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368704234586/warc/CC-MAIN-20130516113714-00034-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9530149102210999, "token_count": 571, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__154127572", "lang": "en", "text": "Business Loans & Finance\nIf you are a new start businesses or a well established company disappointed by your current bankers,NGI Finance can help you get the right business loan that suits you.\nWe aim to provide the best service possible every time, so no matter how large or small, or how long you have been trading, no matter what type of business you are in our objective is to help you get the best business loans available for you.\nRight from the initial contact we will support you in getting the best business loan or mortgage available for you.\nBased upon your requirements your business could be suitable for the following options:\nTypically used to buy buildings and/or land for business purposes. A commercial mortgage can also be used to re-mortgage an existing property or develop an existing one.\nTypically used to purchase or lease business assets, such as vehicles and equipment required to grow your business.\nFactoring is a form of cash flow funding, allowing you to instantly release up to 90% of the value of your unpaid invoices.\nTypically used by large organisations, invoice discounting is a form of cash flow funding allowing customers to release the cash tied up in unpaid invoices.\nContact NGI Finance\nCall us and we will discuss the options with you 0870 8504484\nWe have over 40 years experience in the Finance Industry. We became frustrated at the inflexibility of some lenders in the way they approach Business Loans and Finance, we decided to form our own consultancy to help organisations like yours get the best business loans or business finance possible for you.\nYour current bank may not be willing or able to offer you the finance package you require or they may set terms you don’t want to agree to. This is where NGI Finance can help; we have the ability to match your needs with the right lender. NGI Finance have access to many lenders throughout the UK and Europe specialising in all types of Business Loans and Business Finance; this means we are able to direct your funding requirements to a lender who understands your specific business sector and who will be more amenable to your funding proposal. Using the correct Finance company is a major part in securing the correct finance for you and we will help to do that for you.\nWhether it is a new start business, previous credit history problems or alternatively you are looking for a better quote, contact NGI Finance and let us help you get the best business loans or finance you can.\nOur business has been built on our reputation. We are fully aware that should you not be satisfied by the service we offer, you will tell others and that is why from the initial contact you make with us we will support you through every stage of the process, and make every effort to deliver you a successful outcome on your Business Loans or Finance.", "domain": "finance"}
{"url": "https://www.rocksendfarm.ca/post/how-do-you-set-your-prices", "date": "2022-12-07T17:22:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711200.6/warc/CC-MAIN-20221207153419-20221207183419-00632.warc.gz", "language_score": 0.963797926902771, "token_count": 2189, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__27723456", "lang": "en", "text": "I get asked a lot about prices for farm-direct products – what is a “good” price for x,y,z? Why do some farmers charge more than others? How do you set your prices? First of all, if you’re reading this, you’re probably interested or actively supporting local and ecological agriculture. So suffice it to say that the whole concept of setting prices is totally different at the scale of a small-to-medium sized farm directly selling to consumers than it is for, say, Loblaws trying to decide how to price a pineapple. I think it’s fair to say that most local, ecological farmers are working extremely hard and trying to be as efficient as they can. They are earning enough for them to justify keeping on – whatever that means for that farm. Some earn more than others, but by and large the prices that they charge are their best attempt to bring a quality product to market at the best price they can. If you’re curious, ask! Don’t be shy – a good way of asking is to say, “How do you set your prices?” If asked with respect and curiosity it will not be an offensive question. Why is local, organic food so much more expensive than grocery store prices? So here are some things that you already know about supporting local, organic agriculture, but I’m going to remind you: There are so many reasons to pay for local, sustainable agricultural products: food quality, variety, biodiversity, pollinators, agricultural heritage, water quality, soil quality, nutrient density, animal welfare, local economic benefits, community resilience…the list can go on, and on. Yes, locally produced, ecologically produced food costs MORE than what you can get at the grocery store. But when you buy from local, sustainable farms, you are bearing the true cost of the food produced. When you see a price at the grocery store think about what you are NOT paying for – because rest assured somebody else is paying it. Somebody is paying for those fossil fuel subsidies to ship the product across an ocean; somebody is bearing the burden for exploitative wages to bring the harvest in; somebody is paying for soil depletion and water pollution when agriculture strips the soil and fills watersheds with pesticide, fertilizer and manure runoffs. When you support local, ecological agriculture the price you are paying for grassfed beef or lamb, for example, is also sequestering significant amounts of carbon back into the soil, fighting climate change. The price for organic local broccoli is also paying for a habitat for pollinators, birds, and wildlife and protecting biodiversity. When you buy locally produced pastured pork you are paying for those pigs to enjoy a quality of life that is such a far cry from what they would endure in a confinement based system. When you buy locally grown wool you are paying for local people to have good jobs raising and producing beautiful fibres, supporting our local economy. This is a pricing regime that builds in a lot of these environmental, social, and animal welfare protections. I believe that in the future, local, ecological agriculture will only become more mainstream. Either ecological farmers will be compensated for their environmental services in addition to what they can earn through sales and their prices will be able to drop somewhat. Or, industrial agriculture will be made to pay the true cost of production and their prices will become more expensive. Factoring in all of these externalities is simply an inevitability – we simply can’t be sustained on unsustainable food production. By buying local, ecological food and fibre you are ahead of the curve, already living more in balance. So, instead of asking, “is this the best price I can get?”, maybe ask “is this a price I can afford?” If you can afford the price, and the farm is doing work that you want to support and producing food that you want to eat – then the differences in price are really inconsequential. What gets factored in when setting a price? There are different ways of setting prices, I don’t think any two farms do it exactly the same way. For the most part, prices are typically based on how much it costs to produce. Keep in mind that each individual farm is different so the costs that each farmer has to factor in to the selling price also is individual. These prices include everything from whether animal feeds are purchased or home-grown, organic certification costs, whether the animals are kept year-round or just as feeders in the summer, prices for transport and slaughter/butcher, whether additional labour is hired or not, etc. Then add in all of the unforeseen things – your hay got rained on and you had to buy some in, or your best cow needed a vet visit that cost a small fortune – these things are unpredictable and may cause prices to fluctuate from farm to farm or from year to year. This is just a broad sketch of some of the cost factors. On top of that are all of the very personal factors that, at the end of the day, are reflected in the price. Because the price that I charge has a very direct effect on my salary at the end of the year, my family situation also plays a bit of a role – the farm salary that a single person earns may not be considered sufficient for supporting a family, for example. Whether the farmer is in year one of their enterprise and has some hefty startup costs to cover, or has decades of equipment and experience behind them will determine a little bit how flexible they can be in pricing. I don’t think any farmers are out there saying, “I need to pay my daughter’s college tuition. Beef prices are going to have to triple this year”. But, to a certain extent, family situation and personal factors do factor in to how prices are set. But as I become more connected to my fellow farmers, those in our local area farming ecologically and selling directly to consumers, one thing is pretty consistent: each farmer I have met is striving to provide an exceptional quality product for the best price they can. So, how do we set OUR prices? On our farm, we set the price based on what we need to charge in order to hit our target revenue for the year. I calculate how much I can expect to earn with each type of production – this year it’s lamb, wool, pork, turkeys, beef, and workshops – I calculate how much I HAVE to spend to produce, and then I try to trim all of my other costs and find creative ways to earn a little bit more, until I hit my target goal. This year I was really helped by looking at some Holistic Management financial planning tools online. It has really changed the way I look at my farms’ finances but I won’t be able to tell you how well it works for awhile – it is very promising so far, though. I also take a look around at what other farms that have somewhat similar practices are charging. If my price is too high or too low, I try to figure out why. Are my estimates off? Is there a cost I haven’t factored in? Am I under- or over-estimating my yield? I know that my fellow farmers are pretty smart, and great farmers – so if my price isn’t at least in the ballpark with their prices averaged out, there’s something I’m missing. There isn’t a “best” farm out there – there is a mix of good and great farms with a variety of different practices, so, each price that you encounter when shopping for local products reflects the particular work that is happening on that farm. Hanging Weight vs. Cuts Weight: What are you paying for? I don’t know how local, ecological farmers price their cheese, fruit, vegetables, or other products, that’s not what we produce. But, when buying meat, don’t forget to consider whether you are paying for the hanging weight, or the take-home cuts weight. Both are common ways of pricing meat for local farms and both ways of pricing have advantages for the farmer and the customer. On our farm, we base all of our prices on the final, take home weight of your cuts of meat. So, if you order 10 lbs of pork, and 10 lbs of beef, I will pack you an order that includes as close as possible to 10 lbs of pork and 10 lbs of beef – it won’t be exact, but it will be +/- one pound or less, and I will charge you for the exact weight in your box of meat. Many other local farms charge based on the hanging weight. This is the weight of the carcass, without the digestive tract, head, and hide, but before it is butchered into individual cuts of meat. Final cuts weight is typically 65-75% of weight of the hanging weight and the price will be reflective of this - lower range for lamb, higher range for pork, and beef somewhere in between. The final weight can vary quite a bit between beef, pork, lamb, and based on other factors such as whether boneless or bone-in cuts are favoured, the length of aging, the amount of fat that is trimmed, and the characteristics of each individual carcass and the butcher’s practices. So, for example, if you order 100 lbs of beef hanging weight, you will probably end up with somewhere between 70-75 lbs of beef for your freezer. This is an estimate – ask the farm you are buying from as they will know what their average is at their farm. For lamb on our farm, our average hanging weight of a whole lamb is 43.5lbs, with average weight of cuts being 28 lbs (~64% of the hanging weight). This doesn’t really apply to turkeys, since they are sold whole. For us, we find it is better to charge based on your final, cuts weight – the exact weight you go home with. But, it does make our prices “look” more expensive. Our Price per pound (final cuts weight)Equivalent hanging weight per pound Lamb$13$8.45 (65%)Pork$8.75$6.56 (75%)Beef$12$8.40 (70%)Turkey$6na There are lots of online articles about hanging weight, final weight, and liveweight, and how all of these figures correspond.\nWow, that’s a lot about pricing. Congratulations if you’ve made it to the end. Happy shopping, and happy eating, and thanks for supporting local, ecological agriculture!!", "domain": "finance"}
{"url": "http://e-sandesh.com/?p=8", "date": "2017-05-01T06:07:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917127681.84/warc/CC-MAIN-20170423031207-00412-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9760779142379761, "token_count": 2085, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__24777314", "lang": "en", "text": "In the two generations following the publication of Adam Smith‘s Wealth of Nations Britain underwent an economic and technological transformation so thorough that it was almost immediately christened the Industrial Revolution. Like all good revolutions, it had a vanguard; albeit a rather unexpected one. For an astonishing number of the entrepreneurs who created Britain’s industrial supremacy were members of one marginal Protestant sect: the Religious Society of Friends, or, to give them their more familiar name, the Quakers. …\nAn exclusive commercial club, knit together by implicit trust and bound to an ulterior ideology, is the dream environment for private monetary networks to flourish in. …But the greatest of all the mid-nineteenth-century Quaker banks no longer exists…. This was the famous Quaker firm of Overend, Gurney and Co., or the ‘Corner House’ as it was known to a generation of Victorian financiers, because it stood as a rival to the Bank of England itself, not only metaphorically in the financial markets, but in hard reality on the corner of Lombard Street and Birchin Lane in the heart of the City of London.\nThe Gurney family had begun as wool merchants in the prosperous farming district of East Anglia, and had evolved naturally into merchant bankers by borrowing on their good name in London and lending to the local sheep-farmers. As Britain’s economy grew and diversified, the opportunity to capitalise on this generic line of business – connecting the local capitalists in need of credit at the base of the pyramid to the London banks in its higher echelons – became more and more attractive. Eventually, the Gurneys of Norfolk decided to seed a London operation, and in 1807 they acquired the small London firm of Richardson, Overend. In the beginning, the firm’s business was brokerage pure and simple. A potential borrower in the provinces would bring his bills to Overends for scrutiny. If Overends liked the credit, they would find a London commercial bank that would lend against security of the bill – a procedure called ‘accepting’ it. The more practised in this art brokers like Overend, Gurney became, the more readily were their recommendations accepted by the banks. Bill-broking became big business, and the market in debt securities that they intermediated became the governing mechanism of the Industrial Revolution. …\nBy the 1830s, Overend, Gurney was the greatest bill broker in all of Europe. By the 1850s, it was the greatest in the world, turning over £170 million a year, taking deposits from every bank in the City, and discounting bills of industrialists and merchants from Lancashire to Lahore. The firm returned annual profits of more than £200,000 to its partners, and had a balance sheet ten times larger than those of the two biggest banks in Britain combined. Never in history had there been so uniquely important a banking house or one whose name and credit were so synonymous with the credit of the nation’s – even of the world’s – economy. As Walter Bagehot attested, the reach of the credit of the greatest bill broker in London was such that ‘[n]o one in the rural districts (as I know by experience) would ever believe a word against them, say what you might’…. It is just such unquestioning confidence in credit that is the essential ingredient of liquid financial markets, as the Governor of the Bank of England knew: ‘[b]anking…depends so much on credit’, he concluded, ‘that the least blast of suspicion is sufficient to sweep away, as it were, the harvest of a whole year.’\nThis was a lesson that had been learned time and time again in the course of the preceding half-century. The year 1825 had seen the first financial crisis of the industrial era, following a speculative bubble generated by the over-expansion of the new country banks. When it burst, it had brought the country to ‘within twenty-four hours of a state of barter’. Thereafter crises had occurred with alarming regularity. In 1836, a bubble in railway bonds burst. A decade later, there was another boom and bust; and in 1857 the end of the Crimean War sparked an investment boom that again ended in distress and panic. Many a bank had been laid low by one or other of these successive crises; but Overend, Gurney and Co. had survived them all, and prospered. The crisis of 1857 forced two momentous changes to the ‘Corner House’, however.\nThe first was a regulatory development. Ever since their transformation into dealers carrying risk on their own balance sheets after the crisis of 1825, the bill brokers had enjoyed access to loans from the Bank of England in times of crisis. But in the Bank’s view, the crisis of 1857 … [t]here was much talk of the fact that access to the emergency facilities was encouraging the brokers to invest in over-speculative bills. The Bank’s Directors therefore resolved in March 1858 to end the bill brokers’ access.\nAt the very same time that its business environment was changing in this way, the house of Overend, Gurney and Co. faced a second challenge. The original managing partners retired, and a younger generation took the reins. It quickly became apparent that they lacked some of the distinctive Quaker qualities of their illustrious forebears. In contrast to the stern solidity of the fathers, the sons were precipitous in their decision-making, ambitious for the trappings of wealth, and – the most dangerous flaw of all in a banker – credulous. …\nThe intention of the Bank’s withdrawal of its lender of last resort facility from the bill brokers had been to discourage the riskier end of their discount business. At Overend, Gurney, however, it had exactly the opposite effect. The new partners lost no time in filling the firm’s portfolios with a succession of speculative, long-term, and high-risk investments.\nIn the space of two years, Overends’ annual profit of £200,000 had turned to a loss of £500,000. The new managers attempted to regain profitability by taking more risk. They made a bold foray into emerging market bonds, financed a port development in Ireland, and made a host of other long-term, speculative investments, the only unifying feature of which was that everyone was funded, as was the way with the bill brokers’ business model, by deposits from the commercial banks that could be withdrawn on demand. If, heaven forbid, there was to be a market panic, and the banks were to demand those deposits back, there was now no question that without support the firm would be exposed as insolvent.\nBy April 1865, the situation was becoming desperate, and the partners met to weigh up the options. It was clear that new capital was needed to make good the losses and supply the means to rebuild the firm’s fortunes. …[I] n the end, it was the oldest trick in the City’s books that was chosen: an initial public offering that would transform the partnership into a public company and thereby offload the problem on to that perennial saviour of the City insider’s bacon – the general public.\nFor the first few months of its existence, shares in the new limited liability company, Overend, Gurney and Co. Ltd., traded at a premium. But late in the year, the Bank felt it needed to put another squeeze on the market. Bank Rate was raised to 8 per cent, and at the beginning of January 1866 the first sign of distress appeared in a most unfortunate quarter. A middling boutique railway bond arranger went into default on liabilities of £1.5 million. As bad luck would have it, the name of the quite unrelated firm was Watson, Overend and Co. Now the ignorance of the market worked against Overends. A connection was assumed, and – just as a precaution – withdrawals began. It became known that the old partners were having to sell assets. The withdrawals accelerated. In two months, £2.5 million worth of deposits streamed out of Overends, even as loans continued to go bad and the general panic spread. In a final gamble, on 9 May, the management made an urgent and humiliating appeal to the Bank of England for emergency support. But a general crisis was in prospect, and to bail out one firm alone would open the Bank to unanswerable charges of encouraging moral hazard. The Governor’s response was therefore swift and unequivocal. There would be no lifeboat. At 3:30 p.m. on Thursday, 9 May 1866, Overend, Gurney and Co. Ltd. suspended payment. ….\n[A]s always, the real ramifications of the crisis were felt far beyond the medieval wards of the City of London and long after the acute panic had subsided…. More than a hundred and eighty bankruptcies were recorded in the three months following Black Friday. Unemployment rose from 2.6 per cent in 1866 to 6.3 per cent in 1867, and rose again in 1868 before a proper recovery took hold. Sectors that relied particularly heavily on credit, such as the global shipping industry operating from the wharfs of London’s East End, were especially badly affected. … All in all, it had been the greatest financial crash since 1825 – indeed, if only by virtue of the far more advanced development of the City and its international importance compared with that time, the greatest crash of all. Little wonder, then, that the editor of one contemporary journal, surveying the wreckage seven years later, called the collapse of Overend, Gurney which had sparked the catastrophe, ‘the model instance of all evil in business.’\nMONEY: THE UNAUTHORISED BIOGRAPHY\nAuthor: Felix Martin\nPublisher: Bodley Head, Random House\nPrice: Rs 599", "domain": "finance"}
{"url": "https://travelomist.com/best-debit-card-for-travel-in-europe/", "date": "2024-04-13T06:49:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816586.79/warc/CC-MAIN-20240413051941-20240413081941-00311.warc.gz", "language_score": 0.882567286491394, "token_count": 1424, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__200524728", "lang": "en", "text": "The Ultimate Guide to Choosing the Best Debit Card for International Travel in 2023\nAre you planning an international adventure in 2023? Whether it’s a European vacation, a business trip, or a backpacking journey across the globe, one essential tool you’ll need is the right visa card / debit card. The choice of your debit card can significantly impact your travel experience, from saving you money on foreign transaction fees to providing convenient access to your funds.\nIn this comprehensive guide, we’ll discuss which cards to use (visa and mastercard), the international transaction fees, international atm or how to transfer money by using your card. We’ll explore everything you need to know about selecting the bank card overseas for international travel in 2023 for money transfer and withdraw money.\n1. Why Your Debit Card Choice Matters for International Travel\nWhen it comes to international travel in 2023, your choice of debit card can significantly affect your overall experience. Using the right debit card can save you money on foreign transaction fees, provide convenient access to your funds, and offer various other travel-related benefits. In this section, we’ll explore why your debit card choice is crucial and how it can impact your travel plans.\nDebit Card for International Travel (1-2 times): An international debit card is a must-have for seamless transactions abroad. It allows you to withdraw local currency from ATMs and make purchases without incurring hefty fees.\nForeign Transaction Fee (3-15 times): Understanding foreign transaction fees is crucial. These fees can add up quickly, making your international trip more expensive than you expected.\nBest Debit Card (1-4 times): Discovering the best debit card for your specific needs can lead to significant savings and a more enjoyable travel experience.\n2. Understanding Foreign Transaction Fees\nForeign transaction fees are the hidden costs that can catch travelers off guard. These fees are charged by your bank or card issuer every time you make a purchase in a foreign currency. To avoid unnecessary expenses during your international journey, it’s essential to understand foreign transaction fees and how they work.\nForeign Transaction Fee (3-15 times): Foreign transaction fees can vary widely from one debit card to another. Some cards offer fee-free transactions, while others charge a percentage of each purchase.\nIn this section, we’ll discuss how to identify and minimize foreign transaction fees and recommend debit cards with the lowest or no fees for international travel.\n3. The Best Debit Cards for International Travel in 2023\nTo make your search for the ideal international debit card easier, we’ve compiled a list of the best options for 2023. These cards stand out for their features, benefits, and cost-saving potential. We’ll provide an overview of the top choices and explain why they are well-suited for international travelers.\nBest Debit Card (1-4 times): Finding the best debit card is essential for a successful international travel experience. We’ll introduce you to the top contenders that offer the most value for your money.\nIn this section, you’ll discover the top-rated debit cards for international travel, including those with no foreign transaction fees, ATM fee reimbursements, and other travel-friendly perks.\n4. Debit Card Features and Considerations\nChoosing the right debit card for international travel goes beyond just avoiding foreign transaction fees. Features like EMV chip technology, compatibility with international ATMs, and mobile banking capabilities can enhance your travel experience. In this section, we’ll delve into the essential features and considerations to keep in mind while selecting your travel debit card.\nDebit Card (15-38 times): Your debit card is your primary financial tool during your international journey, so understanding its features and capabilities is crucial.\nEMV Chip (1-2 times): EMV chip technology ensures the security of your card and transactions. It’s a feature you’ll want on your international debit card.\n5. ATM Withdrawals and Fees Abroad\nAccessing local currency is a critical aspect of international travel. We’ll discuss the ins and outs of using ATMs abroad, including the potential fees you might encounter and how to avoid them.\nATM Fee (2-6 times): ATM fees can quickly add up. We’ll provide tips on minimizing these costs and finding the best ATMs for international travelers.\n6. Travel Money Management\nManaging your travel funds efficiently is vital for a stress-free trip. We’ll explore various strategies and tools to help you keep your finances in check while abroad.\nTravel Money (1-2 times): Having enough travel money and knowing how to access it is essential for a smooth travel experience.\n7. Choosing Between Debit and Credit Cards for Travel\nShould you use a debit card, a credit card, or a combination of both while traveling internationally? We’ll weigh the pros and cons of each option to help you make an informed decision.\nCredit Cards (1-7 times): Credit cards have their advantages and disadvantages when it comes to international travel. We’ll explore the scenarios in which using a credit card might be beneficial.\n8. Making Safe and Secure Transactions\nKeeping your financial information and transactions secure is paramount while traveling. We’ll provide tips and best practices to ensure your financial safety while using your debit card abroad.\n9. Travel Insurance and Additional Benefits\nSome debit cards offer travel insurance and other valuable benefits. We’ll explain the types of coverage you might receive and the additional advantages that come with certain cards.\n10. Final Tips for a Seamless International Travel Experience\nIn the last section, we’ll offer some general tips and advice to make your international travel experience in 2023 as seamless as possible. This includes packing tips, staying connected, and getting the most out of your chosen debit card.\nChoosing the right debit card for international travel in 2023 is a crucial step in planning a successful trip. Your card selection can save you money, provide convenience, and enhance your overall travel experience. Remember that the best debit card for you will depend on your specific needs and preferences.\nTo recap, always consider the following key factors when selecting your debit card for international travel:\n- Foreign transaction fees: Look for cards with no or low foreign transaction fees.\n- Card features: Consider cards with EMV chips, mobile banking apps, and compatibility with international ATMs.\n- Travel money management: Plan your budget and access to funds in advance.\n- ATM withdrawals: Find ATMs that minimize withdrawal fees.\n- Security: Follow best practices to ensure safe and secure transactions.\nBy following the advice in this guide, you can make an informed decision and find the perfect debit card to accompany you on your international adventures in 2023. Safe travels!\nYou may also like:", "domain": "finance"}
{"url": "http://www.topcontactnumbers.uk/paypal-contact-number/", "date": "2017-12-17T17:22:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948597295.74/warc/CC-MAIN-20171217171653-20171217193653-00481.warc.gz", "language_score": 0.9257266521453857, "token_count": 1260, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__201657316", "lang": "en", "text": "PayPal is an online payments processor that allows its users to send and receive money electronically. If you need to get in touch with the company, PayPal contact number 0870 280 5129 can be used to connect. PayPal offers large-scale customer support, as the company now has approximately 165 million users globally. The company has been around since 1998, and partnered with eBay until 2002. The two have now split, becoming two different publicly traded entities. PayPal is headquartered in San Jose, California and functions under the direction of CEO, Dan Schulman.\nPayPal Contact Number for Account Issues\nAssistance is always available for account help. If you have questions, or experience any problems with your PayPal account, call 0870 280 5129. This phone number will put you though to the main line, after which you can choose the appropriate department. The customer service team is trained to help with many different issues, including:\n- Opening a new account\n- Closing an existing account\n- Update account information\n- Verifying identity\n- Password changes and login problems\n- Sending and receiving money\n- Daily account limits\n- Fraud and security concerns\nPayPal customer service is available Monday through Friday, from 4am to 10pm Pacific. Help is available each weekend also; between the hours of 6am and 8pm. Answers to many common questions can be found on the website, https://www.paypal.com. You do not have to be an account holder to use the website to learn more about how to use the service, and do not have to have an account in order to contact the customer service team via phone.\nPayPal Support for Sending Funds\nPart of the reason for the success of PayPal is the fact that they make the process of sending money very easy. Funds can be sent from your existing balance, or from a linked bank account or credit/debit card. Sending money costs nothing when the existing balance or bank account are used, but there is a fee of 2.9% of the amount being sent, plus a $0.30 transaction fee. When sending funds outside of your home country, the costs are somewhat higher.\nTo send funds directly, the following steps can be used:\nLog into your account.\n- Click on the ‘Send Money’ link.\n- Enter the email address of the person you wish to send money to.\n- Enter the amount of money you wish to send.\n- Click ‘Next’ and review the details of the transaction.\n- If everything is correct, click ‘Send’.\nEach transaction can be viewed when you log into your account. This includes both funds sent and received. If you need any help with adding funds to your account, canceling a payment, or determining what the costs will be, call PayPal customer service at 0870 280 5129 during the aforementioned business hours.\nPayPal Contact Number for Security Concerns\nPayPal does what it can to ensure that accounts are secure, but users of the service can do their part as well by protecting their account information and making sure to only log in from the official site. Contact PayPal immediately if you suspect for any reason that your information is at risk. You will need to provide information that identifies you as the account holder, and will need to provide information about the potential problems. The same goes for if you notice any unauthorized transactions on your account. It may be possible to recover stolen funds in some cases.\nScams are all too common with regards to PayPal, which is not a surprise since the service deals with sensitive financial information. Spoof emails are sent to thousands, and scams related to Craigslist often take place. To avoid problems, never respond to any communications that do not come directly from the company. If you have any questions at all about whether or not an email actually came from PayPal, call 0870 280 5129. If you know that an email that you have received is part of a scam, PayPal asks that you forward it to: email@example.com so that it can be investigated.\nPayPal Customer Service for Business Customers\nPayPal works with thousands of businesses, large and small, to provide online payment solutions. A list of business services can be viewed on the website. A business specialist can also go over these with you if you would like. Calling 0870 280 5129 will place you in touch with someone who can discuss the available options, and let you know if your business may qualify for discounted rates. Special products, such as the PayPal debit/credit card reader, are available. This product allows business owners to accept payments from anywhere, using a smartphone or tablet. Rates for using the card reader range from 2.7% to 3.5%.\nPayPal Phone Number for MasterCard Support\nIf you have the PayPal MasterCard, you may need support from time to time. This card functions as a debit card, and can be used to make purchases or withdraw funds from your account at participating cash machines. Contact PayPal by calling 0870 280 5129 if you need to activate your card, report a lost or stolen card, change your pin number, or update your information. Lost or stolen cards should be reported immediately, so that the card can be deactivated. A replacement card can then be requested and should arrive in approximately seven business days.\nPayPal Contact for Email and Social Media\nIf you’re looking for a way to contact PayPal outside of business hours, email and social media are the two options. Having said that, responses will likely only be received during business hours, so there will likely be a wait. Emails must be sent from the website, via the following page: https://www.paypal.com/selfhelp/contact/email. Social media contact may be initiated from any of the following accounts:\nSecurity is always an issue when posting to social media, but is an even bigger issue when it may involve payment information. Be sure to only post general questions to social media, and opt for sending a private message if you need to reveal any identifiable information. For the tightest security, call PayPal at 0870 280 5129 whenever you need help.", "domain": "finance"}
{"url": "https://www.hpequitytrust.com/leadership/daniel-cunningham", "date": "2022-06-30T07:25:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103669266.42/warc/CC-MAIN-20220630062154-20220630092154-00384.warc.gz", "language_score": 0.9608926177024841, "token_count": 235, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__104654532", "lang": "en", "text": "Daniel Cunningham is Chief Investment Officer, responsible for the Housing Partnership Equity Trust’s real estate portfolio strategy and execution. He leads the company’s deployment of capital in multifamily housing investments, and works with the firm’s partners in the selection, acquisition, and management of properties. He joined the HPET team in July 2019.\nPreviously, Daniel served as Senior Vice President at PNC Real Estate for nearly seven years, where he oversaw all loan originations for East Coast owners and developers of multifamily properties. Earlier, he was Vice President in the real estate investment group of ULLICO, Inc., overseeing originations, portfolio management, real estate-owned workouts, and asset surveillance.\nDaniel has also held key management positions in affordable housing and real estate finance at Wells Fargo, Fannie Mae, Bank of America, and Citicorp. While at Fannie Mae, he was the National Director of Multifamily Affordable Housing Debt for seven years.\nDaniel holds a bachelor’s degree from Harvard College and a master’s degree in management (finance and real estate) from MIT’s Sloan School of Management.", "domain": "finance"}
{"url": "https://shop.inorope.com/en/shop/uncategorized/gift-ideas-the-ino-rope-gift-voucher/", "date": "2021-09-22T12:05:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057347.80/warc/CC-MAIN-20210922102402-20210922132402-00632.warc.gz", "language_score": 0.9200982451438904, "token_count": 251, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__105447133", "lang": "en", "text": "Want to give someone a present? Buy them a gift voucher! To buy a gift voucher, it is very simple:\n1/ Choose the amount from the following: 20€, 30€, 50€, 80€ or 100€ (if you want to accumulate the amounts, select the “quantity”) and add it to your basket.\n2/ Proceed to pay by entering in the “”comments”” field, the family name and first name of the person for whom the voucher is intended, as well as their e-mail address (if you wish, add a personal message in the same field)\nAs soon as payment has been confirmed, an e-mail is sent to the addressee with a personal code. You will be copied in this e-mail in order to receive notification of sending. They will just need to enter this code in the field “”promotion code””, when putting through their order.\nPS: Would you prefer a printable “”pdf”” voucher to give them the gift yourself? No problem, just specify this in the same “”comments”” field!”", "domain": "finance"}
{"url": "https://4invests.net/how-does-student-loan-debt-affect-your-credit-score/", "date": "2024-02-26T06:56:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474653.81/warc/CC-MAIN-20240226062606-20240226092606-00315.warc.gz", "language_score": 0.9620906710624695, "token_count": 625, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__69398996", "lang": "en", "text": "Student loan debt has become a growing concern for many individuals pursuing higher education. As the cost of college continues to rise, more and more students are turning to student loans to finance their education. However, it is crucial to understand how this debt can impact your credit score and ultimately affect your financial future.\nUnderstanding Credit Scores\nBefore diving into the effects of student loan debt on your credit score, let’s first understand what a credit score is. A credit score is a three-digit number that represents your creditworthiness and is used by lenders, banks, and other financial institutions to assess your ability to repay borrowed money.\nYour credit score is influenced by various factors, including your payment history, credit utilization ratio, length of credit history, types of credit, and any current or past delinquencies or defaults. Each of these factors carries a different weight in determining your overall creditworthiness.\nThe Impact of Student Loan Debt\nOne of the primary ways student loan debt affects your credit score is through your payment history. Making regular, on-time payments towards your student loans can have a positive impact on your credit score. Conversely, missing or late payments will likely result in a lower credit score.\nThe amount of student loan debt you have can also impact your credit score. Your credit utilization ratio, which is the amount of available credit you’re using, accounts for approximately 30% of your credit score. Having high student loan balances compared to your available credit limit can lower your credit score.\nFurthermore, having student loan debt can affect your ability to take on additional credit. Lenders may be hesitant to extend credit to individuals with high levels of student loan debt, as it increases the risk of default. This can make it harder to obtain mortgages, car loans, or credit cards, limiting your options for future financing.\nManaging Student Loan Debt Responsibly\nWhile student loan debt can have some negative implications for your credit score, there are steps you can take to manage it responsibly and mitigate its effects. First and foremost, make all payments on time. Setting up automatic payments or reminders can help ensure you never miss a payment.\nAdditionally, it’s important to budget and live within your means. Consider creating a monthly budget that allows you to make your student loan payments while still covering other necessary expenses. This will help you avoid accumulating excessive debt and maintain a healthy credit score.\nIf you find yourself struggling to make your student loan payments, reach out to your loan servicer or a financial advisor. There may be options available to help you, such as income-driven repayment plans or loan deferment. Ignoring your student loan debt will only lead to more significant financial issues in the long run.\nIn conclusion, student loan debt can have a substantial impact on your credit score and overall financial well-being. It is crucial to stay informed and take proactive steps to manage your debt responsibly. By making timely payments, keeping your student loan balances in check, and seeking assistance when needed, you can navigate the world of student loan debt while minimizing its negative effects on your credit score.", "domain": "finance"}
{"url": "https://www.gattwealth.com/", "date": "2019-04-22T18:25:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578577686.60/warc/CC-MAIN-20190422175312-20190422201312-00430.warc.gz", "language_score": 0.8577942252159119, "token_count": 228, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__204585720", "lang": "en", "text": "Worldsource Financial Management INC\n& Gatt Wealth Management\nAt Worldsource Financial Management and Gatt Wealth Management, we believe there is no better way to serve the needs of Canadian investors than by providing access to independent, unbiased financial advice. We can offer an array of solutions and a comprehensive suite of financial products and services to help you invest for your future.\nWorldsource Financial Management\nWorldsource Financial Management was founded in 1989 and it a part of the Gaurdian Capital Group Limited which also includes:\n- Gaurdian Capital LP – Institutional Investment Management\n- Gaurdian Capital Advisors Inc. – High Net Worth Investment Counselor\n- Alexandria Bancorp Limitied- International Wealth Management\n- Worldsource Financial Management Inc. - Mutual Fund Dealer\n- Worldsource Securities Inc. - Securities Dealer\n- IDC Worldsource Insurance Network Inc. - Leading Managing General Agency\nGaurdian Capital Group Limited is one of Canada’s largest publicly traded investment companies. Founded in 1962 and publicly traded since 1969, Gaurdians sound history is complemented by a proven track record of accomplishment and success.", "domain": "finance"}
{"url": "https://gmwallet.com/en/terms", "date": "2024-02-21T04:13:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473370.18/warc/CC-MAIN-20240221034447-20240221064447-00542.warc.gz", "language_score": 0.9234472513198853, "token_count": 9408, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__83003413", "lang": "en", "text": "Infobank24 Ltd is a company incorporated in England and Wales with Company Number 10660019, Registered address: 1a Strathearn Road, Wimbledon, London, SW19 7LH, United Kingdom. Infobank24 Ltd authorised by the UK Financial Conduct Authority as an EMD Agent under reference number 902994,.\nThe principal to the agency relationship is Noveba Limited is a company incorporated in England and Wales with company number 11610200 and whose registered office is at 71-75 Shelton Street, Covent Garden, London, England, WC2H 9JQ.\nNoveba is the issuer of Electronic Money in Noveba Electronic Money Accounts and performs the payment services related to Electronic Money Account(s). Noveba is authorised by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations 2011 for the issuing of electronic money, included in the FCA’s Register of Electronic Money Institution firms (Firm Reference Number 900924).\n2.1 These Terms and Conditions (V1.0) set out our obligations and the terms on which you, the Customer, can use the Noveba Account and debit card. These Terms and Conditions, our Privacy Statement, the Noveba Account Mandate and Fees and Charges constitute the entire Agreement between you and us. Any additional service that you request from us will be subject to a separate agreement that you will be required to review and accept prior to using such service.\n2.2 To open a Noveba Account, you must review and agree to be bound by this Agreement.\n2.3 Certain words and phrases used throughout these Terms and Conditions are defined in Section 17.\n2.4 Applicable law to this Agreement\n2.4.1 This Agreement and any disputes, claims or proceedings arising out of or in any way relating to it shall be governed by the laws of England. The parties agree that English courts shall have jurisdiction for the purpose of any proceedings, except where European Union legislation and local laws requires a specific dispute to be resolved by the courts of another jurisdiction.\n2.5 Important information about the Agreement\n2.5.1 If a condition of this Agreement is found to be illegal, invalid or unenforceable, then to the extent it is illegal, invalid or unenforceable, that condition will be given no effect and will be treated as though it were not included in this Agreement, but the validity or enforceability of the remaining conditions of this Agreement will not be affected.\n2.5.2 This Agreement does not create a partnership between you and us. You have no authority to bind, to contract in the name of, or to create liability for us in any way for any purpose. You shall always present yourself as a separate entity from us.\n2.5.3 No person other than the parties to this Agreement shall have rights under the Contracts (Rights of Third Parties) Act 1999 or otherwise to enforce any term of this Agreement.\n2.5.4 This Agreement constitutes the entire agreement between you and us with respect to the Services and supersedes and replaces any and all prior agreements.\n2.5.5 Any delay or failure by a party to exercise or enforce any right under this Agreement shall not be deemed to be a waiver of any such right or operate to bar the exercise or enforcement thereof at any time or times thereafter.\n2.5.6 The rights and remedies available to us in this Agreement are cumulative and are in addition to any other right or remedy available to us at law or in equity.\n2.6.1 You may cancel this Agreement within 14 days of the initial opening of your Noveba Account, being the day you agreed to accept these Terms and Conditions, you may do so without giving a reason and without incurring cancellation charges (if any) or penalties. Contact our Support Team as set out in the communicating with us section if you want to cancel this Agreement.\n2.7 Changes to the Agreement\n2.7.1 This Agreement may change from time to time. We will give you at least two months’ notice of any proposed change by e-mailing the User(s) and posting a notice on our Website. However, if the change is to your benefit or if a change is optional, we may make these new features available sooner than two months and notify you accordingly.\n2.7.2 If you object to the proposed change, you have the right to end your Agreement with us (and consequently close your Noveba Account) before the proposed change comes into effect without incurring any charge. To do so, you must give us written notice and email it to our Support Team. You will however be responsible for all transactions and charges incurred by you up to the date this Agreement terminates.\n2.7.3 Unless you object to the change we propose, the proposed change will take effect on the date identified in our communication to you and the terms of this Agreement will be amended accordingly.\n2.7.4 Your continued use of your Noveba Account following the effective date of the relevant changes to these Terms and Conditions will constitute your acceptance of the revised Terms and Conditions.\n3.1 All communications between us will be in English and will be carried out through the Noveba Account Web Application, SMS text, e-mail or phone. You or the User(s) may contact us at any time by emailing us at [email protected] or write to us at our registered address stated above. You can also obtain a copy of these Terms and Conditions from our Support Team and from the Website.\n3.2 We are not liable to you, if due to circumstances beyond our reasonable control, communications are intercepted, delayed, corrupted, not received or received by persons other than you.\n4.1 A Noveba e-money account(s) enables you to initiate and receive payment(s) through internal transfer(s) between dedicated e-money account(s) or e-wallet(s) in the currencies associated with your Noveba e-money account(s). You can deposit funds to your Noveba e-money account by any supported payment card (Mastercard, Visa, etc). The Noveba Account also allows you to carry out currency conversion and avail of a debit card.\n4.2 You must ensure that there are sufficient funds in the Noveba Account to meet your requirements. We do not provide credit. There is no overdraft facility on the Noveba Account. We may debit your Noveba Account with all amounts and charges for which you are liable. We do not provide chequebooks or individual cheques. We do not accept payments by cheque or cash deposits into a Noveba Account. Interest is not paid on amounts held in a Noveba Account.\n4.3 You may not assign or transfer your Noveba Account to a third party. You may not otherwise grant any third party a legal or equitable interest over it without our specific written permission.\n4.4 Noveba Accounts are operated and maintained in accordance with the Electronic Money Regulations 2011 (as amended by the Payment Services Regulations 2017) for the issuing of electronic money and related payment services. The funds in your Noveba Account are segregated at all times from our assets and we will not invest them, lend them to third parties or use them for any operating purposes. Your relevant funds are safeguarded with regulated Financial Institutions.\n4.5 Noveba Accounts do not fall under the remit of the Financial Services Compensation Scheme (FSCS).\n4.6 How to access our Services?\n4.6.1 To be eligible to open a Noveba Account:\nif you are a legal entity (being a charity, company or partnership), your country of registration must be in the United Kingdom. If your legal entity is not registered in the United Kingdom you may be eligible to open a Noveba Account subject to our approval on a case by case basis;\nYou must have access to a suitable communications device suitable with connection to the Internet;\na natural person, acting for and behalf of the legal entity, must be at least 18 years of age, and have full legal capacity to enter into a contract of this nature in your country of residence and be duly authorised by the applicant legal entity to do so by means of a Power of Attorney, Statutes, Charter or any other form of valid authorisation; or\nVulnerable Consumers or their carers or guardians should contact us at [email protected] prior to opening a Noveba Account.\n4.6.2 We reserve the right to amend our eligibility criteria from time to time, without notice. We reserve the right to decline to open a Noveba Account without providing an explanation.\n4.6.3 To open a Noveba Account, you must complete the account opening procedure set out on our online registration application. Once a registration application has been completed, the Administrator can access your Noveba Account to view your Profile and set up your Security Details. You must keep your Access Code, PIN and password safe at all times. See section 11 on keeping your account safe and for more details about preventing your password, Access Code and PIN from being known by others. Your Noveba Account will not be active and you will have no access to any Services on your Noveba Account until we have fully verified all the information you have provided to us.\n4.6.4 To comply with applicable anti-money laundering legislation, we will require you to provide us with certain documents and information on the business itself, the directors, partners or other responsible officers, beneficial owners and the Users. You are responsible for securing any permission required from an individual in relation to the use and retention of their Personal Data by us to open and operate the Noveba Account. You can contact the Support Team for details of the information we require. We reserve the right to request such information and documentation we believe is necessary to continue to meet our statutory obligations at any time during which you hold a Noveba Account with us. If you do not provide the information and documents we require, we do not have to provide the Services to you or we may restrict the functionality and Limits on your Noveba Account.\n4.7 Availability of our service\nWe endeavour to provide our service 24 hours per day, however the Service will be unavailable on certain occasions for essential maintenance. We make every effort to minimise any disruption to the Services during system maintenance and system upgrades, and all planned maintenance is scheduled outside of Business Hours. Furthermore, while we endeavour to provide currency conversion 24 hours per day, there may be occasions when this service is not available.\n4.8 Noveba services are provided immediatelly.\nIn the event of delays or any problems with Noveba services we inform you about the reasons and recovery times\n5.1 A User is any individual who is granted access to your Noveba Account by you. Each User will have a Role assigned to them and each Role has certain Permissions. The person opening the Noveba Account must be permitted to open it on behalf of the business and will automatically be assigned the Role of Administrator.\n5.2 It is the responsibility of the Administrator(s) to select and appoint additional User(s) and must satisfy themselves as to the suitability and integrity of the individual(s) chosen for the Roles assigned to them. It is important to be aware that the Administrator(s) manages additional Users and has full power to administer and operate your Noveba Account.\n5.3 The Administrator(s) is authorised to:\na) Set up and manage Users;\nb) Create Permissions and manages Roles for Users;\nc) Make payments on behalf of the Business.\n5.4 You confirm and agree that any officer, employee, agent, representative or other person who has been approved as a User(s) by you has the authority to access and use your Noveba Account as defined by the Role assigned to them. Any instruction we receive from a User(s) shall be construed as an instruction from you and shall be binding on you. It is your responsibility to ensure that the User(s) is made aware of and abides by the terms of this Agreement. You shall be responsible for all actions by the User(s).\n5.5 You authorise us to act on instructions received from a User, by email or any electronic communication through a telephone, website or computer and on such instruction, in line with Role Permissions:\na) We will be entitled (but not obliged) to act on such instructions and will not be required to enquire as to the authority or identity of the person giving or purporting to give the instructions, regardless of the circumstances prevailing at the time of the instructions;\nb) We will not be liable if the instructions are lost, delayed or distorted in transmission or other matters beyond our reasonable control;\nc) You shall be responsible to us for any loss, costs, damage or expenses that you or we suffer or incur as a consequence of acting on such instructions;\nd) In the event that you have any right, claim or action against any User or any other person arising from their use of your Noveba Account, you shall pursue such right, claim or action independently of, and without recourse to us. You will be responsible for any liability we incur, including any damage, loss, cost, expense (including legal fees) from any claim arising out of you or any User(s) nominated by you or not complying with the terms of this Agreement and/or for any unlawful use of the Noveba Account by a User. This condition shall not apply to the extent that the User’s use of your Noveba Account(s) or non-compliance is as a result of us not acting in accordance with our obligations under this Agreement.\n6.1 If you have opted to use a debit card(s) in conjunction with your Noveba Account, then this section is applicable to you.\n6.2 We can issue you with a debit card. Debit cards will be issued to Users as per your instructions. We can only do this if you give a User the appropriate Role. It is the responsibility of the Administrator to furnish the Users with a copy of these Terms and Conditions. The Administrator must ensure that the User(s) complies with these Terms and Conditions and any subsequent amendments or replacement conditions.\n6.3 By requesting an additional debit card, the Administrator thereby also authorises us to pass on information about the Noveba Account and debit card to a User.\n6.4 We will renew your debit card(s) when your card expires and replace it when it is lost, stolen or damaged subject to payment of the relevant fee.\n6.5 Debit cards remain the property of Noveba Limited and/or the issuing institution.\n6.6 Delivery of the debit card/use of PIN\n6.6.1 On receipt of the debit card, it must be signed immediately at the appointed place on the debit card. It is for your sole use or the sole use of the User to whom it is issued. A debit card or debit card PIN must not be given to a third party.\n6.6.2 A debit card PIN will need to be set in your Noveba Account Web Application so that it can be used in retailers, online and in ATMs. This must be kept safe and must not be revealed to anyone else. See section 11 on security for more details about preventing your password, Access Code and PIN from being known by others.\n6.6.3 If the PIN for the debit card is entered incorrectly three times in succession the debit card will be suspended. In such case you should contact us.\n6.7 Cancelling your Debit Card\n6.7.1 You can cancel a debit card issued on your account at any stage, but you must notify us by contacting [email protected] If in possession of your debit card, you must immediately cut your debit card into small pieces through the magnetic stripe and chip. You will not be able to use an existing debit card if we have cancelled it. You will need to ask us to replace it.\n6.8 Term of the debit card\n6.8.1 The validity of the debit card shall end upon expiry month printed on the debit card in the year stipulated on the card. You must destroy the debit card after it has expired as stated above in section 6.7.1.\n6.9 Debit card purchases and withdrawals\n6.9.1 You can use your debit card to access funds in your account. Your debit card is linked to your Noveba Account(s) so if you use your debit card in a currency in which you have a Noveba Account (sterling and euro), it must have sufficient funds. All other currencies will be converted to sterling. See the Fees section of the Website for more information.\n6.9.2 If you use your debit card to make purchases online, you may be asked to provide extra security information to authenticate the payment. If you fail to provide the correct security information, your payment will be refused.\n6.9.3 As soon as a transaction is authorised this cannot be cancelled. We will deduct the value of your transaction from the balance on your account. At the same time we will deduct any fees that apply to the transaction. See the Fees section of the Website for more information.\n6.9.4 If a transaction is made using your debit card with PIN, contactless payment or by using 3D secure you agree that the transaction was made by you, unless we are otherwise informed the transaction was unauthorised as set out in 8.4\n6.9.5 Some retailers will apply for a Pre Authorisation for a payment when you use your debit card (for example, if you hire a car or book a hotel room) In instances such as this, we will hold the amount of funds agreed by you and we will release those funds back to you when we receive notification to do so.\n6.10 Spending limits on the debit card\n6.10.1 There will be a maximum daily Limits on card usage. You can find details of the Limits on your Noveba Account in the Limits section of your Noveba Account.\n7.1 If you use Direct Debits in conjunction with your Noveba Account, then this section is applicable to you.\n7.2 Direct Debits are available on accounts and in the currencies as specified in the FAQ section of our Website. Direct Debits will be enabled on your Noveba Account by default in the currencies in which Direct Debits are available.\n7.3 You may disable payments by Direct Debit on specific Noveba Accounts by logging into the Web Application and selecting the option to disable Direct Debits on a specific account.\n7.4 To set up the Direct Debit, you must authorise a Direct Debit Instruction from the Originator (biller). The payment will be debited from your Noveba Account when we receive the request from the Originator’s bank for the payment. These payments can be one-off or recurring.\n7.5 You must have sufficient funds in your Noveba Account to pay a Direct Debit payment. A Direct Debit payment will be returned unpaid where there are insufficient funds in your Noveba Account.\n7.6 Cancelling a Direct Debit Instruction\n7.6.1 Under the Direct Debit Guarantee Scheme, you may cancel a Direct Debit Instruction by logging into the Web Application and select the Direct Debit Instruction to cancel. A Direct Debit Instruction can be cancelled at any time. If you cancel the Direct Debit Instruction after the payment is made, we will not be liable to you or anyone else for any loss or expense which results.\n7.6.2 When you cancel a Direct Debit, any agreement you have with an Originator does not change. We have no obligation to you or to the Originator to put in place alternative arrangements to pay money you owe the Originator.\n7.7 Rejecting Direct Debit payments\n7.7.1 To reject an individual Direct Debit payment, log into the Web Application before the Direct Debit payment is due and select the option to cancel this specific Direct Debit payment. Rejecting an individual Direct Debit payment does not cancel the Direct Debit Instruction you have in place with the Originator. You may only reject a Direct Debit payment, when it has been presented to us for payment and it is pending.\n7.8.1 To request a refund of a Direct Debit payment, contact our Support Team at [email protected]. You may be required to provide supporting documents.\n7.8.2 We have no duty to you in relation to goods or services supplied by an Originator.\n8.1 Making Noveba Account payments\n8.1.1 All payment (other than debit card and Direct Debit payments) instructions from your Noveba Account can be made on our Web Application. A User must have the appropriate Role and Security Details to authorise each payment instruction. We will not be responsible for incorrect payments made if they are in accordance with any instruction given by a User. A payment cannot be cancelled or reversed once it has been authorised by a User.\n8.1.2 You can view a history of your account payments and the unique reference for each payment transaction by accessing the Transactions section of your Noveba Account.\n8.2.1 All lodgements and bank (credit) transfers will be processed at regular intervals once the transfer details are received by us before the applicable cut-off time. If we receive a payment instruction after the cut-off time, or on any Non-Business Day, the payment will be processed on the next Business Day. Details of the cut-off times are available in the FAQs in the business section of the Website.\n8.3.1 We shall not be liable for any Underlying Transaction between you and the party receiving or making the relevant transaction. Nor shall we be responsible or incur any liability for any incorrect transactions effected by us as a result of being provided with incorrect information, for example an incorrect sort code, account number, BIC or IBAN. In such circumstance, we will make all reasonable efforts to recover the funds involved in such transactions and we may charge our reasonable costs incurred in attempting to recover the funds on your behalf.\n8.3.2 If we, in error, debit or credit an incorrect amount to your Noveba Account, we will, on discovering the error, make any necessary correcting entry on the Noveba Account without reference to you or the User(s). If there are insufficient funds in your Noveba Account to make the correction, we shall notify you and you agree to promptly repay such amount to us.\n8.3.3 If your account is credited incorrectly by a third party, we are obliged, if requested, to share your payment details so that the third party can recover the funds directly.\n8.4 Unauthorised payments\n8.4.1 In case of an unauthorised payment, or a payment that was incorrectly executed due to an error by us, we shall immediately refund the payment amount including any fees charged in relation to it. This shall not apply in the following circumstances:\na) Where an unauthorised payment arises from failure by you or the User(s) to keep the security features linked to the Noveba Account or debit card safe, you shall remain liable for the losses incurred by such actions / mis-actions;\nb) If there is undue delay in notifying us of any loss or unauthorised access or use of your Security Details or other event that could reasonably be expected to have compromised the security of the Noveba Account or debit card after you or the User(s) has gained knowledge of such event, in which case you shall remain liable for all losses incurred up to the time you notify us of the situation. We will normally consider that there has been undue delay on your part where there is a failure to notify us within 1 Business Day of the relevant information being made available to you or the User(s);\nc) Where the transaction was unauthorised but where you or the User(s) have acted fraudulently, or compromised the security of the Noveba Account or debit card with intent or gross negligence in which case you shall be solely liable for all losses; or\nd) There is a failure to bring the unauthorised or incorrectly executed transaction to our attention within 13 months from the date of the transaction.\nAll transactions are final and are not reversible save in the following circumstances and at our sole discretion:\na) where there is illegal activity involving your Noveba Account;\nb) where we confirm there has been a Merchant error; or\nIn the case of any incorrect or misdirected payment, we shall take reasonable measures to assist you with tracing and recovering such payments.\nIn order to claim a refund for an unauthorised or incorrectly executed payment transaction on your Noveba Account you must notify us without undue delay after becoming aware of the unauthorised or incorrect transaction and in any event no later than thirteen (13) months from the date of the transaction (Support Team at [email protected]).\nWe reserve the right to charge you fees and expenses we incur in connection with such Refund and any actions undertaken for challenge the case.\n9.1 To ensure the safe operation of the Noveba Account and debit card we will set transaction and service Limits at our sole discretion and these may change without notice. Details of the Limits that apply to your Noveba Account are set out in the settings section of the Noveba Account.\n10.1 Standard Fees and Charges are set out in the Fees section of the Website and in the Fee document provided to you. Unless otherwise agreed, these form part of this Agreement.\n10.2 We will deduct any applicable Fees and Charges from the Noveba Account as they are incurred.\n10.3 If currency conversion is requested and available, the exchange rate is displayed (to four decimal places) on a real time basis on our Web Application. Rates may be aggregated from a variety of sources. There is no guarantee that the rates offered match any particular benchmark. Any change in an exchange rate will apply immediately and without notice. When you request currency to be converted, be aware the exchange rate may differ between the time you view the rate and the time you authorise the conversion to be processed. We will not be liable to you for any such change. The minimum amount which can be converted can be found in the Fees section of the Website. You must have Noveba Account(s) in both currencies to facilitate currency conversion.\n11.1 It is your responsibility to ensure that you keep your debit card, Mobile Device, login details (login, password, Access Code and PIN) safe and secure at all times. In addition, you must take all reasonable steps to ensure that all Users keep them safe and secure. The Administrator(s) appointed by you has a critical Role in the overall security of the Noveba Account.\n11.2 If any Mobile Device or debit card is lost or stolen, you should immediately log in to either your Noveba Account Web or Mobile Application and disable the device in the case of a lost mobile and set the debit card status to “blocked” in the case of a lost or stolen card. You should also contact our Support Team straight away.\n11.3 If any debit card, Mobile Device belonging to a User(s) is lost or stolen, then the User(s) should immediately log in to either the Noveba Account Web or Mobile Application and disable the device in the case of a lost mobile and set the debit card status to “blocked” in the case of a lost or stolen card. The User(s) should also contact our Support Team straight away.\n11.4 Any undue delay in notifying us may not only affect the security of funds held on your Noveba Account but may result in you being liable for all losses as a result.\n11.5 If you or the User(s) knows or suspects any part of the Security Details are known by someone else, you should ensure that they are promptly changed and must contact our Support Team straight away.\n11.6 If you or the User(s) is in doubt whether a communication or request from us is genuine, you should contact our Support Team at [email protected] If it is suspected that the Noveba Account has been accessed by someone else, or that any of the Security Details, debit card or Mobile Device has been lost or stolen, you should report the incident to the relevant authorities and report the incident.\n11.7 If you or the User(s) identify fraud or any security threats on your Noveba Account, you should notify us immediately by contacting our Support Team at [email protected]\n11.8 The Security Details are used in the following way:\na) The Password is used in conjunction with the user ID / email address to sign into the Web application;\nb) The Access Code is used to authorise some actions;\nc) 2 factor authentication is required for some actions;\nd) Your debit card PIN is used to authorise CHIP and PIN card transactions.\n11.9 Your Security Details must be treated as strictly confidential and you must:\na) ensure your computer, modem or any other device you or a User(s) use is safe, efficient and complies with any applicable standards and requirements;\nb) carry out your own regular virus checks and firewall protection;\nc) make your own contingency arrangements to cover system or operational failures or suspension;\nd) follow the procedures and instructions that we give you from time to time in relation to a particular service; and\ne) tell us as soon as you or the User(s) can if there is any failure, delay, malfunction, virus or error in the sending or receiving of instructions or any suspected fraud and assist in any remedial steps we propose.\n11.9.1 We retain the right to refuse to process a payment transaction. We may also block a specific transaction if you or the User(s) debit card or Noveba Account is being used inappropriately/fraudulently or for security reasons. If we do, unless we are prohibited by law to do so, we will give you or the User(s) requesting the transaction notice of the refusal or block by email. If possible, we will provide the reasons for the block or refusal and where practicable, the procedure to follow to correct the situation or remove the block if the reasons for blocking no longer exist. You can contact the Support Team should you have any queries about the status of a payment transaction.\n11.10 Noveba API:\n11.10.1 We may make available to you our Application Programming Interface (‘API’), integration for compliance with provisions of PSD2 directive. Where we do, you shall comply with our documentation in connection with the integration and use of APIs.\n11.10.2 You are prohibited from interfacing with the Noveba API in a way which we have stated is not permitted in the current version of our documentation or the publicly available documentation relating to the system.\n12.1 Your Personal Data will be held, in accordance with applicable Data Protection Legislation with which we must comply.\n12.2 Noveba.com represented by Noveba Limited (registered in the UK and authorised as an Electronic Money Institution by the Financial Conduct Authority) processes personal data independently. The Privacy Statement provides more detail on the measures taken to keep personal data safe.\n12.3 For the purposes of providing our service to you we may share your personal information with contracted third parties e.g. banks and other firms external to us. Contracted third parties are obliged to ensure that your personal data is securely managed, at all times and will only use this data in line with our specific instructions.\n12.4 In order to meet our legal obligations, we may share your personal information with authorities both within the UK and abroad to prevent money laundering, terrorism and fraud.\n12.5 We will only process the Personal Data of the Users and such other persons identified by you, as part of a transaction or during the operation of your Noveba Account in accordance with the terms of this Agreement, specifically in accordance with the Privacy Statement. Our Privacy Statement is available on the Website. It contains details on how we use Personal Data, the privacy rights of individuals together with our commitments in relation to using Personal Data.\n12.6 When sending a payment such as a credit transfer, Personal Data may be included in accordance with the requirements of the associated Clearing Network. This may include names, addresses and additional personal details of individuals including Users and other individuals in your business.\n12.7 Accessing and updating your data\n12.7.1 If your name or contact details change you must notify us. We will not be responsible if we fail to contact you because you have not provided us with your latest details. Data Protection Legislation provide you with rights with regard to your personal data. Details of these rights are available in our Privacy Statement.\n12.7.2 Please read our Privacy Statement available on the Website for further details on our obligations and your rights.\n13.1 Any complaints should be addressed to us in the first instance by contacting our Support Team at [email protected] . Your complaint will be handled in accordance with our complaints procedure, a copy of which is available on the Noveba.com website or can be provided to you upon request.\n13.2 If the complaint is not resolved to your satisfaction, you may be eligible to use the Financial Ombudsman Service at Service Exchange Tower, Harbour Exchange, London, E14 9SR, United Kingdom. For additional details you may visit the website at www.financial-ombudsman.org.uk/ Some entities may be too large to avail of the Financial Ombudsman’s service.\n14.1 You may close your Noveba Account with us at any time by contacting our Support Team at [email protected]. You must first withdraw the outstanding balance (if any). Once closed, your Noveba Account cannot be re-opened, but you can open a new Noveba Account.\n14.2 We may close the Noveba Account or any part of the Service associated with it on giving you two months’ prior notice.\n14.3 We may at any time suspend or close the Noveba Account without notice where you or the User(s):\na) breach any condition of the Agreement or any other condition applicable to specific services covered by separate agreement with us;\nb) violate or we have reason to believe are in violation of any law or regulation that is applicable to the use of our Services;\nc) we have reason to believe that you or the User(s) are in any way involved in any fraudulent activity;\nd) process transactions or we have reason to believe that such transactions involve the making available or sale of content, services or products which are deemed by us in our sole discretion as being inappropriate, unlawful or potentially damaging to our reputation;\ne) we reasonably believe that the Noveba Account has been compromised in any way or for other security reasons; or\nf) we reasonably suspect the Noveba Account to have been used or is being used without your authorisation or fraudulently;\ng) the account balance has gone into unarranged overdraft (including when the negative balance has emerged as a result of fees being charged) for more than 14 consecutive business days and/or any of the invoices raised by Noveba have not been paid in accordance with the terms stipulated in the invoice nor there is a sufficient account balance to offset the overdue invoice(s);\nh) there is sufficient suspicion of activities taking place, such as (but not limited to): money laundering (including cases defined by the EU 6 th AML Directive), handling proceeds of crime, terrorist financing, tax fraud and evasion.\nand in such circumstance we shall, unless prohibited by law, notify you prior to us suspending the Noveba Account, or if prior notification is not possible or practicable in such circumstance, then promptly after the suspension unless we are prohibited to do so by law.\n14.4 Prior to closure of your Noveba Account, we will initiate the return of any funds in your Noveba Account to a nominated account through a Faster Payment or SEPA Credit Transfer, or SWIFT transfer, in accordance with your instructions. This condition may be invoked if there is a claim against these funds.\n14.5 When closing your account, if you have any remaining balances, only after your consent, we can transfer them to the company's income if you are unable to withdraw them to your other account.\n15.1 The Intellectual Property rights in all data, information, systems, processes or other material used by or developed by us for the purposes of providing the Noveba Account and Web Application or performing our obligations under the Agreement shall remain vested, or upon their creation vest, in us or our licensors. You and all Users shall use such material only for the purpose of receiving the Services, as contemplated by the Agreement.\n15.2 The Intellectual Property rights and contents of the Noveba Account and Web Application are owned by us or our licensors. Reproduction of part or all of their contents in any form is prohibited without our prior consent. You will promptly notify us of any infringement or threatened infringement or of any challenges to validity or ownership of any Intellectual Property or other right of ours of which you become aware and will provide reasonable assistance to us at our expense, in connection therewith.\n15.3 When using the Noveba Account Web Application, you must not perform any illegal actions or breach any applicable laws.\n16.1 We will not be liable for any failure, interruption or delay in the performance of our obligations under this Agreement, in whole or in part, if such delay or failure is due to an event that is a Force Majeure.\nAccount Information Service Provider or AISP means a Payment Service Provider that with your permission can access your Noveba Account information such as accounts, balances, transactions and payees etc;\nAccess Code is the numeric code you assigned during the registration process to access the Mobile Application on your Mobile Device and to authorise some actions.\nAccount Mandate means our template account mandate form in which you authorise us to accept instructions from User(s);\nAgreement means the legal agreement between you and us, and includes the Account Mandate, these Terms and Conditions, our Privacy Statement and Fees and Charges as are notified to you or the User(s) from time to time;\nAdministrator(s) means an individual authorised by you to access the Noveba Account as described in section 5;\nATM means Automated Teller Machine;\nBusiness means an entity which has a Noveba Account with Noveba Limited;\nNoveba Account(s) means one or more Noveba Account(s) provided by us used to access the Services;\nBusiness Day means a day (other than a Saturday, Sunday or public holiday) on which we are generally open for business in the UK, where in relation to execution timeframes in respect of a payment to an account with another bank, a day on which the payee’s bank is also open for business. A Non-Business Day is any day which is not a Business Day;\nBusiness Hours mean 9:00am to 5:00pm GMT on a Business Day;\nClearing Network shall mean an electronic clearing system in which payment transactions are exchanged among financial institutions, e.g. STEP2 SEPA Credit Transfer (SCT) Service, Faster Payments Scheme Limited, Bacs Direct Credit Scheme, SWIFT;\nCustomer means you, the entity which holds a Noveba Account;\nData Protection Legislation means Data Protection Act 2018, the Privacy and Electronic Communications Regulations 2011;\nDirect Debit Instruction means an instruction from you to us, authorising a biller to collect variable or fixed amounts from your Noveba Account;\ne-Money Wallet means an electronic wallet created by Noveba, to hold e-Money as a part of the Noveba Account functionality;\ne-Money means an electronic payment product representing monetary value held electronically;\nFAQ means the information on our services as provided on our website under the Frequently Asked Questions section;\nNoveba API means the Noveba Application Programming Interface (“API”) and the related documentation, data, code, and other materials provided by us with the API, as updated from time to time;\nForce Majeure means any event which is outside our reasonable control, including the unavailability or faulty performance of communication networks or energy sources, any act of God, any act or omission of governmental or other competent authority, strikes, industrial dispute, riots, war, civil unrest, revolution, act of terrorism, inability to obtain materials, embargo, refusal of licence, theft, destruction, denial of service attacks, unauthorised access to computer systems or records, programs, equipment, data, or Services, breakdown of plant or machinery, flood or other adverse weather conditions;\nIntellectual Property means patents, registered designs, trademarks, service marks, design rights and database rights (whether registerable or otherwise), applications for any of the foregoing, copyright (including copyright in source code, object code, procedures manuals and related documentation), know-how, trade or business names and other similar rights or obligations, whether registerable or not in any country (including the United Kingdom and European Union) and all rights of a similar or corresponding character subsisting anywhere in the world;\nLimits mean the transaction, service, lodgement, payment and withdrawal limits set by us at our sole discretion as provided for in section 9;\nMobile Application means the Noveba application available on the Apple App Store and Google Play Store;\nMobile Device means an Android or iOS device meeting the minimum requirements for the Mobile Application registered to the User of a Noveba Account;\nOriginator means a biller authorised to take payments from accounts using a Direct Debit Scheme;\nPassword means the secret word that must be used to access the Services;\nPayment Service Provider means a company that offers payment, account and/or information services;\nPersonal Data means data relating to a living individual who is or can be identified either from the data; or from the data in conjunction with other information that is in, or is likely to come into, the possession of the data processor;\nPermissions means the ability to perform a specific action in the Noveba Account;\nPIN means the four (4) digit security code you enter when using your debit card;\nPayment Initiation Service Provider or PISP means a Payment Service Provider that with your permission can initiate payments from your Noveba Account (please note this is optional and requires integration);\nPre Authorisation means a temporary hold of a specific amount of the available balance on your debit card when booking for example a hotel or car hire etc;\nPrivacy Statement means the Privacy Statement set out on our Website which sets out how we collect, use and share Personal Data;\nProfile means all personal, entity and contact information relating to you, the Customer, including your Users;\nRole(s) means the group of Permissions that can be applied to a User(s) by the Administrator(s);\nSecurity Details means your business ID, password, PIN and the 2 factor authentication;\nServices mean the services provided in accordance with the terms of this Agreement;\nSupport Team means the Support Team at [email protected]. The Support Team is available between Business Hours;\nTerms and Conditions means these terms and conditions for Noveba Accounts as set out in this document and as amended from time to time;\nThird Party Provider or TPP means either an Account Information Service Provider (AISP) which provides account information services only or a Payment Initiation Service Provider (PISP) which provides payment services only;\nUnderlying Transaction shall mean any contract or deal between you and the payee, e.g. for the supply of goods and/or services;\nUser(s) means each individual authorised by you to access the Noveba Account as per the Permissions set by their Role or any TPP authorised by you to access the Noveba Account;\nYou and Your shall mean you, the Customer, being an individual, partnership, limited partnership, limited company, charity, public authority or other entity (corporate or otherwise) or any TPP authorised by you;\nVulnerable Consumer means a natural person who has the capacity to make his or her own decisions but who because of individual circumstances, may require assistance to do so (for example, visually impaired); and/or has limited capacity to make his or her own decisions and who requires assistance to do so (for example, persons with intellectual disabilities or mental health difficulties);\nWe, Us, Our means Infobank24 Ltd;\nWeb Application means the web based application used to access the Noveba Account;\nWebsite means our website available at https://gmwallet.com/en and its sub-domains.", "domain": "finance"}
{"url": "https://brainstorminonline.com/steve-liesman-doubts-a-double-dip-economy-following-the-end-of-quantitative-easing-ii/", "date": "2023-12-05T02:35:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100540.62/warc/CC-MAIN-20231205010358-20231205040358-00487.warc.gz", "language_score": 0.9328046441078186, "token_count": 197, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__141873675", "lang": "en", "text": "Steve Liesman is CNBC’s Senior Economics Reporter.\nSteve reports on all aspects of the economy including the Federal Reserve Bank and major economic indicators.\nSteve joined CNBC from The Wall Street Journal where he served as a senior economics reporter covering monetary policy, international economics, academic research and productivity.\nPrior to joining the Journal in 1994, Steve was the business editor for The Moscow Times, where, as the founding business editor for the country’s first English language daily newspaper, he helped create the publication’s stock index, which was the country’s first.\nSteve has also worked as a business reporter for both the St. Petersburg Times in St. Petersburg, Fl., and The Sarasota Herald-Tribune in Sarasota, FL.\nSteve holds a Masters of Science from Columbia University Graduate School of Journalism and a B.A. in English from the State University of New York, Buffalo.\nSteve is an avid fisherman and speaks Russian.", "domain": "finance"}
{"url": "https://realestatefinancelaw.fieldfisher.com/2017/series-any-relief-for-mortgagees-on-the-issue-of-lease-forfeiture-part-1-forfeiture-for-breach-of-covenant-mortgagee-protection-provisions", "date": "2018-05-27T21:28:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794870470.67/warc/CC-MAIN-20180527205925-20180527225925-00170.warc.gz", "language_score": 0.9467722773551941, "token_count": 1442, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__131971917", "lang": "en", "text": "Series: Any Relief for Mortgagees on the Issue of Lease Forfeiture? Part 1: Forfeiture for Breach of Covenant & Mortgagee Protection Provisions\nAsk a lender to name their top three red flag issues when it comes to commercial property due diligence and, more likely than not, \"lease forfeiture clauses\" will feature in that list.\nForfeiture is a classic mortgagee red flag issue for good reason; most leases contain a clause which grants to the landlord the right to forfeit the lease (by re-entering the demised premises to terminate the lease) on one or both of the following grounds:\n(a) the tenant has breached a covenant under the lease\n(b) the tenant is subject to an insolvency related event\nIf a landlord forfeits a lease, relief from forfeiture can be sought; but if denied by the Court, the outcome is bleak for a mortgagee – the security for its loan will be lost. A mortgagee will therefore be justifiably nervous about a forfeiture clause in a lease when looking to charge that lease as security for its loan.\nThis is Part 1 in a series of three posts on REFlections from the Riverbank examining issues faced by mortgagees in the context of lease forfeiture. Along the way, we will also consider certain mitigating measures that can be taken by mortgagees who wish to take security over such leases in lower risk scenarios.\nParts 1 and 2 will be based on the more straight-forward scenario of taking security over a commercial capital value head lease at a peppercorn rent. Part 1 will examine forfeiture by the landlord (the freeholder) for breach by the tenant of a lease covenant or condition, and the importance of mortgagee protection wording; Part 2 will consider forfeiture for tenant insolvency and the different forms of relief from forfeiture which can be sought from the Court.\nPart 3 will examine the more complex scenario of taking security over an underlease where the superior lease contains forfeiture provisions, and will consider the consequences for a mortgagee of a subordinate lease where the superior lease is forfeited.\nForfeiture for Breach of Covenant or Condition\nThere are very limited circumstances in which a landlord is entitled to forfeit a lease in the absence of an express forfeiture clause. A landlord has an implied right to forfeit only where: (i) the tenant breaches a condition of the lease (as opposed to a covenant); or (ii) the tenant denies the landlord's title. An example of breach of condition is where a tenant fails to make payment of rent, and payment of rent is expressed to be a condition of the lease. Accordingly, and to avoid doubt as to the circumstances in which a landlord may forfeit the lease, forfeiture clauses are a standard inclusion. In light of the above legal principle, the clause will generally be worded to grant to the landlord the express right to forfeit for (amongst other things) breach of a tenant covenant.\nMortgagee Protection Wording in Commercial Leases\nWhere the lease in question has been taken as security by a lender, forfeiture is clearly problematic. If a landlord exercises its right to forfeit the lease (whether rightfully or not), at that point in time the lease, and any interests deriving from it, come to an end. Thus, the mortgagee has lost its security. Setting aside the matter of applying for relief from forfeiture (which will be examined in Part 2 of this series), what a mortgagee requires here is the ability to step in before the lease is forfeited, to have the opportunity to remedy the breach. (Note that in this context we are only considering commercial leases, as there are specific statutory limitations which apply to a landlord's right to forfeit a long residential lease).\nAny commercial lease to be taken as security should therefore contain a mortgagee protection clause, which qualifies the landlord's right to forfeit to give the tenant's mortgagee this opportunity. Mortgagee protection provisions should require the landlord to notify the tenant's mortgagee in the event of breach of tenant covenant, giving the mortgagee a period within which to remedy the breach prior to the landlord re-entering the premises or commencing forfeiture proceedings.\nWhilst this is the ideal scenario (and any modern capital value lease should contain such wording, in contemplation of the lease being taken as security), we do not, of course, live in an ideal world. A mortgagee may find itself in a position where it was not properly advised at the time of taking security, and now has on its hands a leasehold security interest which could be forfeited at any time without warning. Alternatively, a mortgagee may be looking to take security over a capital value head lease in a scenario which is inherently \"lower risk\" – this would be where the relevant lease is at a peppercorn rent and forms part of a large portfolio of properties to be taken as security, which is otherwise acceptable to the mortgagee. A mortgagee in this context may understandably be reluctant to simply walk away from the deal.\nIn all cases, a mortgagee should seek specific legal advice on the forfeiture point. A suitably experienced legal advisor should be able to advise the mortgagee on the nature and level of the risks involved, and whether there are any measures which could be taken to reduce its level of exposure in an appropriate situation.\nAs is increasingly becoming a first-resort solution to a host of property \"defect\" issues, indemnity insurance is one such protective measure. Many underwriters today will offer terms for mortgagee-only insurance policies, to cover losses arising from a landlord exercising or attempting to exercise its right to forfeit a lease without having first notified the mortgagee and given it the opportunity to remedy the breach. Depending on the level of risk assessed by the underwriter, the premium payable under such a policy may be lower than expected. This can be a convenient way for a mortgagee to lower its level of exposure.\nAnother solution is for the lease to be varied before security is taken over the lease, in order to rectify the forfeiture clause to include suitable mortgagee protection wording. This may seem like the best possible solution for any lease with unsatisfactory forfeiture provisions; however, one must proceed with caution. If an approach is made to the landlord to rectify the forfeiture clause, but rectification is denied or not achieved for whatever reason, this may in itself disqualify the mortgagee from obtaining indemnity insurance, in circumstances where insurance may otherwise have been available.\nAs the saying goes, prevention is better than cure, and this is certainly true in the context of lease forfeiture. However, in many cases, prevention is simply not an available option. The law surrounding lease forfeiture is complex, and a well-advised mortgagee must proceed with caution. It is crucial that any mortgagee looking to take security over a leasehold interest obtains suitable legal advice, in order to assess the risks involved and the best way forward.\nIn the next two parts of this series, we will delve into some of the more problematic forfeiture scenarios and consider how mortgagees can best navigate these often treacherous waters.", "domain": "finance"}
{"url": "https://ecww.org/episcopal-retirement-communities-serving-seniors-limited-means/", "date": "2018-12-15T04:44:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376826715.45/warc/CC-MAIN-20181215035757-20181215061757-00347.warc.gz", "language_score": 0.965878963470459, "token_count": 643, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__255499113", "lang": "en", "text": "Helen Long was a philanthropist and longtime parishioner of St. Luke’s Memorial, Tacoma whose generosity supported many charitable organizations, including local hospitals and Annie Wright School. In 1975, Helen’s trust provided a bequest for the Diocese of Olympia’s Episcopal Fund for the Aged and was used to help the diocese establish and fund what became Episcopal Retirement Communities (ERC). In the ‘90s, ERC set up and began operating two residences, helping to meet the growing need for affordable senior housing.\nAcross the country, the general population is ageing. According to a report by the Pew Research Center, nearly 10,000 people are retiring each day, four million every year, creating a need for senior housing that is destined to grow. Of those over 62, roughly 30% are postponing retirement – 60% of those individuals retire after 65 and 26% retire after 70. The average American retires at age 63, and their retirement typically lasts 18 years. In order for a retiree to draw $5,000 per month for 30 years of retirement, an individual needs to have over one million dollars in savings. The average 50-year-old has saved just under $43,000 and 55 to 64-year-olds have an average 401(k) balance of just under $178,000. 20% of Americans tap into their 401(k) assets early, either through a loan or withdrawal, and 36% of American adults over 65 are completely dependent on Social Security. 63% are dependent on Social Security, relatives, friends, or charity at age 65.\nThis segment of our society faces immense housing affordability challenges. At $5,000 to $6,000 a month for independent living in for-profit facilities, it is not hard to imagine the potential concerns of seniors without extended family support.\nERC currently operates two communities. St. Andrew’s Place is an assisted living facility in Port Angeles and Canterbury Manor is an independent living facility in Bremerton. What they have in common is high quality and affordability, serving seniors of limited means. For example, St. Andrew’s Place is the only Clallam County assisted living facility that accepts seniors on Medicaid upon admittance. No one has ever been asked to move out of either for lack of funds.\nERC hopes to expand the reach of their mission by building additional communities as opportunities present themselves. Another building is on the drawing board in Tacoma, an initiative brought to ERC by All Saints, Tacoma. The proposed building would provide more than 50 new affordable senior apartments on unused church land and new facilities the congregations could access as well.\nLong-term, stable management is an asset, but the challenge is to continue to serve a low-income population’s housing needs cost-effectively in a world where real estate prices and other costs are rising. ERC’s major capitalization started and ended with Helen Long, so the organization has begun new fundraising efforts in order to grow and effectively meet the needs of a growing elderly population.\nTo find out more about Episcopal Retirement Communities, please follow the link below.", "domain": "finance"}
{"url": "https://www.archibaldandshorter.co.nz/offers/asg-freedom-finance-by-land-rover/", "date": "2021-09-22T17:28:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057371.69/warc/CC-MAIN-20210922163121-20210922193121-00053.warc.gz", "language_score": 0.908321738243103, "token_count": 578, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__209564057", "lang": "en", "text": "FREEDOM BY LAND ROVER FINANCE\nThe Freedom by Land Rover finance agreement is designed to get you in the driving seat of the premium vehicle you had previously only ever dreamed of.\nSimply choose your Land Rover, agree on a deposit, set your monthly payments (based on your annual mileage) and the length of contract you require – and drive away today.\nWhen setting your annual mileage you also agree to standard wear and tear, and we establish a value that the car will be worth at the end of the contract term (the “guaranteed future value”). If you decide to retain the vehicle at the end of the contracted term, you simply pay this agreed value.\nRight now, with a $23,600.00 deposit, 35 monthly payments of $1,065.00, and a guaranteed future value of $50,166.00, you can drive away in your new Range Rover Evoque P200 R-Dynamic S. Just one of the many options available across the range.\nAt the end of the term, you can choose to retain your Range Rover Evoque by paying the guaranteed future value, or hand back the keys (subject to any excess charges). If your Range Rover Evoque is worth more than the guaranteed future value, you can use this amount as a discount on the latest Land Rover model of your choice.\nEnquire about Freedom Finance\nRange Rover EvoqueFind out more\n*Image is not representative of offer. Available on Range Rover Evoque P200 R-Dynamic S. MRP of $94,400.00, with monthly payments of $1,065.00 over a 3-year term, with a deposit of $23,600.00 plus a final balloon payment (the Guaranteed Future Value) of $50,166.00. Total mileage of no more than 45,000kms over the term applies. A fixed interest rate of 8.95% p.a. applies. The total loan amount is $87,439.00. At the end of the term you can choose to keep the car, by paying the Guaranteed Future Value, trade it or return it (subject to T&Cs and excess charges). Offer excludes ORC. While stocks last at participating dealers on new Range Rover Evoque P200 R-Dynamic S. Not available in conjunction with any other offer. Lending criteria, T&Cs and fees (including an $262.00 establishment fee and $10.35 PPSR fee) apply. Neither Motorcorp Distributors Ltd nor its retailers are credit providers. Land Rover Financial Services are provided by Heartland Bank Limited which uses the Land Rover Trademark under license from Jaguar Land Rover Limited, who is the registered proprietor of the trademark. JLR224142", "domain": "finance"}
{"url": "https://www.hnhautobody.com/Bird-in-Hand-insurance-questions.html", "date": "2024-04-22T16:34:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818312.80/warc/CC-MAIN-20240422144517-20240422174517-00761.warc.gz", "language_score": 0.9694495797157288, "token_count": 547, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__51646505", "lang": "en", "text": "Auto Insurance FAQs\nDealing with the stress of a collision is hard enough without trying to figure out how your accident insurance works. Here are some answers to frequently-asked questions about insurance policies.\nWill the insurance company guarantee your work?\nWe guarantee our own work, but the insurance company does not have the legal right to guarantee a third party's work.\nWho pays for repairs?\nIt depends on the circumstances. If you were at fault, but have comprehensive or collision insurance, the insurance company would pay the costs minus your deductible. If the other party was at fault, their insurance company should pay.\nDo I have to accept the insurance company's appraisal of damage?\nNo. Check the \"Appraisal Clause\" in your policy if you have differences with their appraisal. It allows you and the insurance company to gather an opinion from an appraiser you both agree upon, or a third-party \"Umpire\" if you cannot agree.\nDo I have the right to a rental car?\nIf you have purchased rental car coverage and were not responsible for the accident, you may seek reimbursement from the insurance company or, if another driver was responsible for the accident, their insurance company. If you do not have rental car coverage and were responsible for the accident, you have no grounds to ask for reimbursement. If the other driver was liable, you can generally seek reimbursement from their insurance company.\nWho do I call to file a claim?\nReach out to your agent or insurance provider. If someone else is liable for your damages, it's essential to also get in touch with their insurance agent or company. The assigned adjuster will then guide you on any further necessary actions.\nWhat does my policy require me to do after an accident?\nInform your insurance provider about the accident's details, including the time, location, and circumstances of the incident. Provide the names and addresses of individuals injured in the accident as well as any potential witnesses. Collaborate fully with the investigation process. Lastly, acquire or grant authorization for your insurance company to secure necessary documents, medical records, and relevant information.Want more information on your rights? To make an appointment, call us at 717-393-1200 or make an appointment online!\nI had HNH fix a stretched metal/dent issue on one of my car doors. As someone who considers themselves a perfectionist, I can say these guys absolutely delivered. Attention to detail was considered in every way. I had put off this repair for several months as I was concerned of subpar bodywork. I am so thankful I chose HNH for my repair as everything looks perfect and I would absolutely recommend them to anyone.", "domain": "finance"}
{"url": "https://cpsolu.com/contact-us-2-2/", "date": "2020-11-30T08:18:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141211510.56/warc/CC-MAIN-20201130065516-20201130095516-00080.warc.gz", "language_score": 0.9513617157936096, "token_count": 196, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__11689267", "lang": "en", "text": "What is an expense account – An expense account is an account that you can set up with CPS where you deposit funds and CPS uses those funds to pay for you permits. Please see the link below to send the request to CPS for approval. When your expense account balance gets low you will get an email alerting you that the balance is low.\nThe Expense Account works as follows:\n1.) Your company provides CPS with a check that is deposited into an expense account.\n2.) These funds are then used, as needed, to pay for your submittals, pick-ups, NOC recordings, etc. – covering all the services you require.\n3.) Your company will be responsible for replenishing your Expense Account (by providing our company with a check, or by mail) when your balance is low.\nPayment Link – Also you will find a payment link below where you can pay for your permitting fees as they come in from CPS.", "domain": "finance"}
{"url": "https://support.oasiscd.com/hc/en-us/articles/205397038-What-types-of-payment-do-you-accept", "date": "2024-04-19T21:16:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817455.17/warc/CC-MAIN-20240419203449-20240419233449-00538.warc.gz", "language_score": 0.9503185749053955, "token_count": 129, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__120953451", "lang": "en", "text": "We accept all major credit cards:\n- American Express\nWe also accept PayPal payments from \"verified\" PayPal accounts.\nYou would make your payment selection on the check out page of your quote.\nIf you are using a major credit card be sure to enter the correct BILLING address for your credit card. This is the address that you supplied to your issuing bank.\nIf you are using PayPal, you will be redirected to their site to pay. Once you send your payment, the order is submitted.\nPlease note that all pricing and payments are calculated in US dollars.", "domain": "finance"}
{"url": "http://capitarealestate.live.id-demo.co.uk/create-deliver/case-studies/case-study-retail-menai-centre/", "date": "2018-01-22T18:11:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891530.91/warc/CC-MAIN-20180122173425-20180122193425-00239.warc.gz", "language_score": 0.9626017808914185, "token_count": 210, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__139547360", "lang": "en", "text": "Tenants at the Menai Centre include Debenhams, River Island, H&M, JD Sports and Superdrug.\nThe adjacent multi-storey Dean Street (Menai) Car Park was included in the sale. The car park has 417 parking spaces, and is held on a 150 year lease from Gwynedd Council.\nWe recommended and executed a range of pre-sale asset management initiatives to create the most marketable investment product and maximise potential sale proceeds. The formal marketing campaign to dispose of the property began in October 2012, with a quoted price of £15,350,000.\nAfter a series of offers and an aborted negotiation, we secured an increased offer from an institutional investor in November 2013. We finalised Heads of Terms, and oversaw the transaction through to exchange of contracts and successful completion in January 2014.\nThe sale price was £16,000,000, reflecting a net initial yield of 8.03% on the Menai Centre, after allowing for income shortfalls due to vacant units.", "domain": "finance"}
{"url": "http://www.dalescountrysidemuseum.org.uk/get-involved/support", "date": "2017-03-27T08:27:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218189466.30/warc/CC-MAIN-20170322212949-00440-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.893725574016571, "token_count": 164, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__47245659", "lang": "en", "text": "We are able to receive financial donations through the Friends of DCM. Any monies received play a large part in maintaining Dales Countryside Museum as a great visitor attraction and a comprehensive record of life in the Yorkshire Dales.\nTo find out more about how we use donations, see our 'How your donations are used' page.\nMake a donation\nYou can make a financial donation by sending a cheque, payable to 'FDCM' or 'Friends of the Dales Countryside Museum', to the address on our contact page.\nAlternatively, you can make a donation online via PayPal by entering the amount you would like to donate and clicking on the image below. This will take you to a page on the PayPal website where you can pay using credit or debit cards or through a PayPal account.", "domain": "finance"}
{"url": "https://balmainmassage.com.au/current/hicaps.html", "date": "2021-12-06T11:28:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363292.82/warc/CC-MAIN-20211206103243-20211206133243-00524.warc.gz", "language_score": 0.9642238020896912, "token_count": 383, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__133565587", "lang": "en", "text": "Let's be honest about it... we all love it when we go to the front desk for the final act of our appointment - the inevitable payment - get our private health fund card out and hand it over to get our rebate.\nAfter all, that's why we give those health funds large amounts of money every month...\nBut there's more than just money to HICAPS, Australia's best-known health claims and payments service.\nWhen \"approved\" flashes on the screen of the terminal, it means that the person who provided the service you're paying for is registered with HICAPS. In turn, HICAPS will only register a provider if they got the OK by Medibank Private.\nThis health fund is somewhat of a gatekeeper in the health industry - and it has been very strict with registering massage therapists because the industry is rife with people with dubious or limited qualifications.\nToday Medibank Prive will need proof that a therapist is qualified at least at Diploma level - and sometimes even that is not enough.\nAt our Centre we make it a policy of only having therapists with at least a Diploma of Remedial Massage - but several of our people have a wider range of qualifications. All our remedial massage therapists are registered with most health funds (with a few exceptions - check at the time of booking) although some funds have chosen not to work through HICAPS, and for them we'll have to give you a receipt for you to claim directly.\nGo to the HICAPS site where you'll find an up-to-date list of health funds offering rebates through HICAPS.\nSo, when you get your rebate at the end of a massage with one of our therapists, enjoy the extra money - but also the confidence that comes from knowning your body has been in the hands of a fully qualified massage therapist.", "domain": "finance"}
{"url": "https://alternatives.centrum.co.in/about", "date": "2023-04-01T11:31:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949958.54/warc/CC-MAIN-20230401094611-20230401124611-00641.warc.gz", "language_score": 0.9195189476013184, "token_count": 730, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__137956913", "lang": "en", "text": "Centrum Alternatives is an India centric, multi-asset alternative investment platform focussed on private debt, public equity, venture capital and real estate. Our solution oriented approach to investing is centred on providing companies with the right capital structure backed by in-depth knowledge of industries and strategic value creation.\nOur investors are both Indian and global. We offer solutions that include funds as well as managed and separate accounts to family offices, foundations, endowments, pension funds, fund of funds, corporate institutions and sovereign wealth funds.\nIndia is our geographic focus as we believe the opportunities are immense and long-lasting. Our people have extensive investment and operating experience across economic, financial and business cycles, with expansive networks and deep understanding of industries and companies in India. This gives us an edge in going beyond providing capital and bringing strategic and operating value enhancement. Our culture and ethos is built on nurturing our talent, relationships and thought leadership in everything we do.\nAs a multi-asset alternative investment platform, we manage multiple strategies across private debt, public equity, venture capital and real estate. While the focus for each strategy may vary, what unites the team at Centrum Alternatives is our shared values.\nWe uphold personal integrity and transparency. We are clear about our commitments and act uncompromisingly to earn the trust of our stakeholders.\nWe believe in good citizenship. Where and how we invest, can have a long lasting and positive impact on businesses, employment and the broader society.\nWe are meticulous in our decision making approach. Our conviction comes from rigorous research, thought leadership, market insights and experience.\nWe consider that leadership in our actions entails good character, capability, work ethic and teamwork. We inspire our peers and stakeholders to act and think as leaders.\nInvestment Philosophy and Approach\nBy adopting a solution oriented approach to investing, we have embraced a partnership model to developing long term relationships with our investors, portfolio companies, intermediaries, other market participants, and team members.\nRigorous risk management\nWe aim to generate attractive risk-adjusted returns for our investors across strategies. We do not pull back from complexity as this may create market inefficiencies and opportunities. At the same time, we are rigorous in our assessment of risk and in deriving structuring solutions to mitigate those risks.\nOur integrated team approach leverages the expertise of the broader multi-strategy platform for domain and functional expertise. Based on a fundamentals-driven philosophy, we combine top-down research with rigorous bottom-up company analysis and due diligence to create unique investment solutions.\nFocus on key value drivers\nWe will invariably bring significant value accretion to our portfolio companies by helping focus on the key value drivers of the business and by working alongside with management. We are clear about our exit strategy and align with our portfolio companies to achieve our targeted returns over the expected holding period.\nCentrum Group Leverage\nCentrum Alternatives is the alternative investment management arm of the Centrum Group. Founded in 1997, Centrum has steadily grown from a merchant bank into a diversified financial services organisation offering a variety of services to institutional and individual clients.\nBy partnering with professionals with relevant experience, Centrum has established successful businesses in investment banking, wealth management, stock broking, insurance, SME & micro finance, affordable housing finance and alternative investment management. Centrum Alternatives benefits from the broader platform through enhanced deal origination, insights and research, and credibility of a trusted financial institution.", "domain": "finance"}
{"url": "https://www.yourprofessionaltranslator.com/2012/10/what-has-my-freelance-life-taught-me.html", "date": "2024-02-29T08:48:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474795.48/warc/CC-MAIN-20240229071243-20240229101243-00236.warc.gz", "language_score": 0.9687469601631165, "token_count": 997, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__180911849", "lang": "en", "text": "Financial matters is the hardest part of freelancing for many people. And for me, too. It can be a real nightmare, because your income can change month after month. Hopefully this will be a good change, but there will also be slow periods with almost no work and thus no payment coming in.\nI am still learning to manage my finances. The fact that I am a registered individual entrepreneur motivates me to keep the budget and not spend all the money at once (though at times I do feel like spending it all on shoes, makeup and other absolutely necessary things ;)) So here are my financial tips or rather lessons that I've been taught. Please feel free to add yours in comments!\n1. Before you set your rates:\n- Count your expenses. I mean count how much money you need for food, clothing, any loans/debts that you may have to pay + taxes, insurances etc.\n- Then you need to think about professional costs - new equipment/software, membership payment in any professional organizations etc.\nThen you will know the minimum that you need to earn. I count the expenses on a monthly basis, but you can choose counting them week by week etc. That will help you not to set your rates too low.\n2. Market, market, and market your services. Marketing is a key element that helps you to break the feast and famine cycle. Marketing may include:\n- attending networking events, both online and offline;\n- social media marketing;\n- direct advertising;\n- telling your friends you need more work. I am so thankful for my friends! As soon as they learned that I went freelance they were the ones who provided me with work, gave advice and helped as much as they only could! I am very thankful to them. They introduced me to some clients with whom I've been working occasionally since then.\n- I think one of the best ways to avoid the feast and famine cycle is to deliver excellent work every time. It's a vital part of your marketing when you show by actions that you are as good as your website says you are (or probably even better!).\n4. Make a budget. I do it in a simple way: I make a 2-column chart. In the first column I have my expenses for a given month and in the other column I list expected payments and their dates. That helps me to see how much extra money I have, because there are always items on my wish-list. Besides, it's always nice to have some money set aside for holidays, gifts for friends etc. ;)\n5. After you made your budget the next important thing is stick to it! Everybody hates unexpected costs, though some of them are inevitable, but do your best to stick as closely to your budget as possible.\n6. Do your best to set some money aside in case something unexpected happens and you need money! People always hope nothing will happen, but life is life...\n7. Do your best not to take any loans. In my case, this has not always been possible. But I have always done my best to keep my credit history spotless.\n8. If possible, hiring an accountant would be a good idea. I am actually thinking about it, but I am still not sure I need an accountant on a permanent basis. I do use the help of a professional accountant at the time when I need to fill in my tax declaration at the end of the financial year.\n9. One of my greatest concerns has always been insurance. I don't have professional indemnity insurance yet (Russian insurance market is different and insurance policies are different, too. But I am looking for a suitable variant). I do send some money to the Pension fund every quarter to make sure I won't die of hunger when I get old. Besides, I have insured my daughter. She is going to get a substantial sum of money when she finishes school and needs it for her higher education, plus she's insured in case (God forbid!) something happens to her parents. The monthly payments I have to make are fairly small, but at least I am more or less calm and sure that my child will have an easier life than I had during my university years.\n10. As a little bonus, here is an article in FreelanceSwitch blog about personal finance apps that can help you create a budget and stick to it. Hope you find it useful!\nDear colleagues, how do you manage your finances? Were my tips helpful? I am looking forward to your comments!\nI'd like to remind you about the contest that we are running at Sharp End Training Russia. A simple tweet or Facebook \"like\" can make you a winner of our Complete Blogging Toolkit for Translators! It's a wonderful opportunity! The final countdown will start very soon, so don't miss your chance! You can read more here.", "domain": "finance"}
{"url": "http://eacomms.co.uk/index.php/raecrecip/bob-littledale", "date": "2021-12-09T01:33:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363641.20/warc/CC-MAIN-20211209000407-20211209030407-00583.warc.gz", "language_score": 0.9844687581062317, "token_count": 158, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__193783908", "lang": "en", "text": "Bob Littledale has held a PPL since he was 21 years old and joined the PFA in 2001, having retired from the post of Finance Director of CSE Aviation. He responded to an appeal from the Association for help with financial advice in 2006, becoming its Treasurer the same year. He retains that post today but in 2007 added the duties of Company Secretary.\nHe has sole responsibility for the detailed oversight of LAA finances which produces a large workload before and during audits and during budget setting. The Association has the greatest confidence in his good advice and judgement and the huge amount of work he does both as Treasurer and Company Secretary.\nHe still manages to find time to fly his own light aircraft and answer the host of questions the Board members’ ideas and proposals generate.", "domain": "finance"}
{"url": "http://www.grandrapidsrealestatehomes.com/", "date": "2016-12-11T13:41:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-50/segments/1480698544679.86/warc/CC-MAIN-20161202170904-00397-ip-10-31-129-80.ec2.internal.warc.gz", "language_score": 0.9642779231071472, "token_count": 1137, "dump": "CC-MAIN-2016-50", "global_id": "webtext-fineweb__CC-MAIN-2016-50__0__224088381", "lang": "en", "text": "Great Tips for a New Jersey First Time Home Buyer\nBuying a new home is a crucial decision and if you are a New Jersey first time home buyer, then the following tips should help guide you. One of the few tests that you can do online to check whether you are financial ready is the affordability calculator and mortgage calculator. This will allow you to gauge where you stand financial with regards to the most suitable mortgage option.\nOwning a house is a huge responsibility that offers great rewards. To achieve that, you must undertake proper planning and budgeting ahead for expenses. Also include the following costs in your monthly budget including; property taxes, home insurance, membership fees and property maintenance. Some of these fees are usually included in your mortgage payments while some are not, hence you should ask for more information regarding how these fees will be paid.\nIt is obvious that a buyer’s credit history also affects the home buying process as it influences whether or not you can get a good mortgage deal. Lenders are usually concerned about this particular detail as it shows them how well you repaid the money had borrowed. In general, lenders believe in giving mortgage products to people with higher scores since they have a higher chance of repaying the loan.\nYou will also need to pay a certain amount of money up-front to show your interest in the house so that you can get a mortgage. Actually, the initial money you pay for a down payment will also determine which mortgage you get and also your interest rates. A New Jersey first time home buyer who can contribute his own funds towards purchasing a home is considered a much better general credit risk.\nYou have probably started making a wish list containing all your expectations for the new home. Whether it is a good neighborhood, interior layout or number of bathrooms and bedrooms, there are a lot of things to consider. You should compile a list of all your requirements and then compare prospective houses to the list.\nArguably one of the most crucial features that first home buyers should consider is the location of your home in New Jersey. This is important since it influences the distance you will commute daily to work and also your proximity to shopping malls, churches, and other recreation areas. You should also check the quality of local public schools within that location.\nThe next step is now to find the most suitable home, and you can choose to do this yourself, but getting help from seasoned professionals could be quite beneficial. First identify the town that suits your requirements and then look for houses in those specific towns that are affordable and are within your budget. Some of the resources that you can use to find your house include websites, newspapers, and looking at “for sale” signage in targeted locations and also talking to acquaintances.\nWhen you attend any open house, you should be very well prepared since this is an essential sales tool used by homeowners to market and try to sell their homes. Hence, you should bring your map and notepad to mark down all the locations you visit, noting down any special features. You should also pace yourself and avoid visiting too many open houses at once since you are likely to become biased and thus miss out on important details.\nIf you plan to checkout many houses, ensure you take breaks in between. For instance, you can view 3 houses before taking a break for lunch and then 3 more afterwards before taking another break and then seeing the final 3 houses in that day. Bring your camera with you and take pictures of any houses that catch your attention and also ask all the questions you can think of. Keep in mind that no question is foolish when it comes to buying a home.\nSometimes it is recommended for a New Jersey first time home buyer to take part in homebuyer counseling before making the final decision. Even though most loans are quite straightforward, going through counseling prepares you for the entire buying process including getting the best home, selecting a neighborhood, various mortgage terms and types and also real estate jargon.\nOnce you have found a suitable home, then it is time to make an offer. Experts recommend retaining an attorney for this particular step to help you negotiation terms, draft the purchase agreement and help you get the most suitable mortgage. Ensure you include contingencies and provisions in your offer to protect yourself from unscrupulous sellers.\nDoing a home inspection before making a decision is vital for ensuring you get value for your money. Even though, you can inspect the house yourself, having professionals inspect and asses the house will assist you in finding out whether you are getting a good deal or being ripped off. The professional inspector will thoroughly assess the quality of the house and tell you of any necessary repairs or potential problems. This inspection service is usually affordable and will also save you money by preventing you from buying faulty properties.\nAs you now apply for your mortgage, you should do a title search to verify whether the seller is the true owner of the property in question. This search will also tell if there are any existing claims on your soon to be home. If you find any claims, your seller must pay them before you can close the deal. Additionally, you also need to buy title insurance and homeowners insurance before closing. Other important tests during this period include a survey, flood search, septic certification, well testing and termite inspection.\nFinally, you can make the closing costs and then sign your mortgage. The seller will now hand over the title deed, and this transaction is going to be recorded in the local County Clerk Office. Once you have completed the short closing process, you are officially the new owner, and you can move in to your new home at your earliest convenience.", "domain": "finance"}
{"url": "https://www.lundingold.com/en/about/corporate-governance/", "date": "2018-08-19T05:33:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221214702.96/warc/CC-MAIN-20180819051423-20180819071423-00510.warc.gz", "language_score": 0.9125226736068726, "token_count": 960, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__67718043", "lang": "en", "text": "Lundin Gold Inc. (the “Company”) is committed to the highest standards of openness, honesty and accountability that it various stakeholders are entitled to expect.\nThe Audit Committee of the Board of Directors of the Company has established these procedures for the receipt, retention and treatment of complaints or submissions regarding accounting, internal accounting controls or auditing matters, as well as other corporate misconduct and breaches of the Code of Business Conduct and Ethics or the Anti-Bribery Policy. Like the Code of Business Conduct and Ethics and the Anti-Bribery Policy, this Whistleblower Policy is designed to encourage ethical behaviour by all Lundin Gold employees, including employees of Lundin Gold’s subsidiaries, and provides details and procedures for submitting a Complaint.\nAnyone may file a complaint using the general complaint procedure by mailing it to the Corporate Secretary, Lundin Gold Inc., 2000-885 West Georgia Street, Vancouver, BC Canada V6C 3E8. The Corporate Secretary will forward the complaint to the Chair of the Audit Committee. A general complaint may also be sent by email to email@example.com.\nIn addition to the general complaint procedure set out above, an employee of the Company may submit a confidential, anonymous complaint regarding a questionable accounting or auditing matter by mailing of delivering it in a sealed envelope marked and addressed as follows:\nConfidential Employee Concern\nChair of the Audit Committee\nLundin Gold Inc.\n2000-885 West Georgia Street\nVancouver, BC Canada V6C 3E8\nAdditionally, an employee may submit a matter confidentially through an independent website, EthicsPoint. Such reports may be made anonymously or on a named basis, at the option of the employee. In order to submit a matter via the website the employee will need to follow directions for creating and submitting a report, which are contained on the website located at:\nContents of Complaints\nTo assist the Company in the response to or investigation of a complaint, the complaint should contain as much specific, factual information as possible to allow for proper assessment of the nature, extent and urgency of the matter that is the subject of the complaint, including, without limitation and to the extent possible, the following information:\n- the alleged event, matter or issue that is the subject of the complaint;\n- the name of each person involved;\n- if the complaint involves a specific event or events, the approximate date and location of each event; and\n- any additional information, documentation or other evidence available to support the complaint.\nFollowing the receipt of any complaints, the Audit Committee will address each matter so reported, and corrective and disciplinary actions will be taken, if appropriate. The Audit Committee will determine the steps and procedures to be taken to address the complaint and whether an investigation is appropriate and, if so, what form such investigation should take (for example whether external investigators should be employed, the timing of such investigation and other such matters as are deemed appropriate in the circumstances).\nThe Company shall maintain the confidentiality or anonymity of the person making the complaint to the fullest extent reasonably practicable within the bounds of the law and of any ensuing evaluation or investigation. Legal or business requirements may not allow for complete anonymity. Also, in some cases it may not be possible to proceed with or properly conduct a complete investigation unless the complainant identifies himself or herself. In addition, persons making complaints should be cautioned that their identity might become known for reasons outside of the control of the Company. The identity of other persons subject to or participating in any inquiry or investigation relating to a complaint will be maintained in confidence subject to the same limitations.\nSafeguards against Retaliation, Harassment or Victimization\nThe Company understands and acknowledges that an employee’s decision to report or raise a complaint can be a difficult one to make. Employees who raise serious concerns should have nothing to fear. The Company will not tolerate any retaliation, harassment or victimization (including informal pressures) and shall take appropriate action to protect employees who raise any complaint under this Policy in good faith.\nReporting and Retention of Records\nThe Chair of the Audit Committee will maintain a log of all complaints, tracking their receipt, investigation and resolution and shall prepare a summary thereof and present the same to the Audit Committee on a quarterly basis. Copies of complaints and the log will be maintained by the Chair of the Audit Committee in a confidential manner.\nRecords of any complaints will be maintained by the Audit Committee or its designee for a period of at least seven years.\nThis Policy will be distributed annually to all employees of the Company and will be published on the Company’s website.\nApproved by the Audit Committee February 19, 2015", "domain": "finance"}
{"url": "https://custom-endsleigh.eccountplatform.com/reminder", "date": "2022-07-04T06:32:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104354651.73/warc/CC-MAIN-20220704050055-20220704080055-00683.warc.gz", "language_score": 0.9023018479347229, "token_count": 211, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__285475143", "lang": "en", "text": "Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The card is issued by PayrNet Limited pursuant to license by Mastercard International Inc. PayrNet Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registration number 900594) for the issuing of electronic money (\"emoney\"). PayrNet is a wholly owned subsidiary of Railsbank Technology Limited and provides regulated financial services to Railsbank customers.\nWelcome to your new online account management site\nWe have made several improvements. Here are a few things to note:\nTo get the PIN for a card, select the relevant Card Account from the home screen, choose the card, then hit “Get my PIN”\nTo move money around within your account, select the Account you want to move the money from, then use the “Move Money” option\nYou can return to the main home screen at any time by clicking “Your Accounts” from the menu at the top of the page", "domain": "finance"}
{"url": "https://www.cfrog.org/donate", "date": "2019-03-20T17:37:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202450.64/warc/CC-MAIN-20190320170159-20190320192159-00296.warc.gz", "language_score": 0.8905820250511169, "token_count": 110, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__99542611", "lang": "en", "text": "Monthly Donations to CFROG - Thank you!\nThis is where you help build the strong backbone for the work we do, which requires money to fund project appeals, research, outreach, public education, and yes, in some cases legal action to ensure legal compliance. This page will help you set up an ongoing monthly donation to CFROG. If you'd rather give a one time donation, click the box above that says JOIN & DONATE.\nCFROG is a 501c3 organization.\nThank you for your support!", "domain": "finance"}
{"url": "https://www.medi-tur.de/en/aftercare-insurance/", "date": "2023-12-03T17:26:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.42/warc/CC-MAIN-20231203161435-20231203191435-00463.warc.gz", "language_score": 0.953106164932251, "token_count": 192, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__152138671", "lang": "en", "text": "“Aftercare insurance or follow-up insurance” is a type of insurance that is usually used in a medical context. It covers the costs of medical treatment, care and follow-up after a specific medical intervention, surgery or medical procedure.\nThis insurance can be used to cover unexpected costs and expenses that may arise in connection with the recovery and healing process after medical treatment.\nThe exact conditions, scope of coverage and exclusions of aftercare insurance may vary depending on the insurance company and the specific medical procedures.\nAs an agency, we generally recommend taking out aftercare insurance so that you can have any medically necessary treatments after an operation abroad carried out in Germany free of charge. You will find various insurance providers for aftercare insurance on the Internet.\nIt is important to carefully review the terms of the insurance and possibly speak to an insurance advisor or medical subject matter expert to ensure you have a proper understanding of what is covered by the insurance.", "domain": "finance"}
{"url": "https://nonprofit.volarisgroup.com/resources/career-growth-story-jay-hoffman", "date": "2024-04-24T16:00:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819668.74/warc/CC-MAIN-20240424143432-20240424173432-00401.warc.gz", "language_score": 0.9843693375587463, "token_count": 1234, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__110608587", "lang": "en", "text": "Career Growth Story: Jay Hoffman\nBuilding Gallery Systems\nHoffman began his career as a staff auditor at an international accounting firm looking to get the experience required for the CPA, but quickly realized that it wasn’t what he wanted to do long-term. He then went to a large insurance company where he worked in the real estate development group working on high-rise office buildings and hotels. In this role, Hoffman gained experience with project management, financial modeling, contract negotiation, financial projections, and reporting. It was a great foundation for his future endeavor of running his own business.\nIt was at the insurance company that he became the in-house computer guru, doing financial modeling and programming his own simulations. Hoffman decided at that point that he enjoyed working with software. Around that time, the chairman of the company he was working at donated money for computers and software to a large museum in New York. Because of Hoffman’s reputation as the computer guru, the chairman asked him to help the museum determine how to spend money. That was the beginning of Hoffman’s entrepreneurial journey and ultimately lead to the founding of Gallery Systems.\nAfter his initial introduction to the museum space, Hoffman developed a software for museums that managed all functions related to collections. This software could support multiple types of museum collections including natural history, graphic, archaeological, and more. Functions included logistical tracking, documentation, digitization exhibitions, loans, and the ability to publish collections onto the museum’s website.\nIn the beginning, Hoffman simply enjoyed working on the software for fun, but then he realized there was a real opportunity to turn his passion into a business. The business was founded in 1990, but it wasn’t until 1998 when Hoffman decided to quit his day job and invest in Gallery Systems full-time. In 1996, Gallery Systems merged with another business and in that process took on an angel investor. The business kept growing and became a major player in their industry, but eventually, the angel investor was ready to exit. In 2012, Jay Hoffman decided to sell Gallery Systems to Volaris Group.\nChoosing Volaris Group\nHoffman says that the reason he ultimately chose Volaris Group came down to the people. “Everyone seemed very smart, honest, and forthright, which seems basic, but my perception was that it was similar to how I run my own business. It comes from the top; you lead with your values. I could see the same approach with the people that I met from Volaris.” Because Hoffman had managed his own company for over 20 years, it was important that he felt comfortable working with a new team and reporting to someone. Hoffman explains that his experience reporting to a leader in Volaris was a “mentor-coach relationship” rather than a “boss-employee relationship.” This approach allows business owners and leaders to continue running their businesses autonomously, while still giving them guidance and support every step of the way.\nAnother very important factor for Hoffman was that the Gallery Systems identity and legacy would remain intact. By joining Volaris Group, the business maintained its branding, culture, and structure, while gaining access to a global software-focused community. Hoffman also wanted to make sure that his employees and customers would be in a good environment post-acquisition. He says, “I felt that my own personal reputation was on the line in a way. If things didn’t go well, it would reflect on me personally with the employees and the customers, most of whom had become friends. I wanted to know that the company was in good hands and things were not going to be mismanaged.” The buy and hold philosophy of Volaris Group provided Hoffman with the confidence that his business would be supported in the long-term, with focus on growth and profitability rather than the next sale of the business.\nToday, Gallery Systems has grown to over 900 clients in 32 countries, museums, universities, as well as large corporate collections. Hoffman recently reflected on his past 10 years with Volaris Group since joining via acquisition. In his own words, here are the top three unexpected benefits from the process:\n1. Networking Opportunity: “At Volaris Group, you have a built-in network of CEO’s and other business leaders. You get to know a lot of people who have extensive experience in the software world. Our community is constantly sharing lessons learned, best practices, and what has been successful for our businesses. If a project did not generate results as expected, we share what we would do differently next time. Every presentation I’ve seen within Volaris Group has at least one slide with lessons learned, and I think the approach helps us continuously learn and grow.”\n2. Career Growth and Development: “I was in my 50s at the time Gallery Systems was acquired, and I wasn’t thinking about what my career progression would look like in the future. After the acquisition closed, I was laser focused on executing and continuing to run my business. But a few years after the acquisition, I was encouraged to start exploring acquisitions myself. I wasn’t necessarily looking to be thrown into a situation where I was meeting with and presenting in front of lots of people, but it was really a good growth opportunity for me. It took me out of my comfort zone.”\n3. The Importance of Metrics: “Volaris Group has a great framework for benchmarking that we use across all of our business units. These metrics have been developed over many years after analyzing hundreds of acquisitions in the software industry. They provide valuable insights into business decisions and are very useful in keeping our company growing and financially healthy. Now, when we look to start a new project or initiative, we are thinking in terms of metrics and how this decision may impact our goals.”\nInterested in becoming a part of Volaris Group’s Nonprofit portfolio? Our growth is just getting started! Connect with us today.", "domain": "finance"}
{"url": "https://staging.faxi.co.uk/corp/en/new-feature-update-pay-contribitions-to-your-journey-sharing-companions-by-mobile-phone/", "date": "2020-07-11T08:32:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655924908.55/warc/CC-MAIN-20200711064158-20200711094158-00122.warc.gz", "language_score": 0.9479667544364929, "token_count": 219, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__173983885", "lang": "en", "text": "Faxi is delighted to announce that it will shortly be launching a payment facility within the app, in conjunction with Barclays Pingit, to enable financial contributions to be made to drivers and other Faxi users.\nThe Faxi map will provide cost calculations for the journey specified and customers will be able to make instant payments to other users via their mobile phone, so the cost of the journey can be shared.\nWhether making payment contributions to a driver or sharing the cost of a taxi among other Faxi users, the new payment functionality makes journey sharing even easier, with everything available at the touch of a button.\nTony Lynch, Faxi CEO, said: “This new payment functionality is crucial to simplifying the journey sharing experience – we want as many people as possible to start sharing their daily commute and regular journeys with others, and to make it as easy as possible for people to do so. Faxi is adding in new features all the time and it’s just one more exciting step which makes Faxi the ultimate journey sharing app.”", "domain": "finance"}
{"url": "https://buyeditor.com/investing-in-the-true-north-business-opportunities-in-canada/", "date": "2024-04-14T17:46:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00642.warc.gz", "language_score": 0.9205340147018433, "token_count": 720, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__198376537", "lang": "en", "text": "Canada, known for its breathtaking natural landscapes, diverse culture, and stable economy, presents a multitude of enticing business opportunities for both domestic and international investors. With its strategic location, skilled workforce, and supportive government policies, Canada has become a prime destination for entrepreneurs looking to establish and grow their businesses. In this article, we will explore the various sectors and industries that offer promising investment prospects in the True North.\nTechnology and Innovation\nCanada’s technology sector has been experiencing rapid growth in recent years, fueled by a culture of innovation, access to top-tier talent, and government support for research and development. Cities like Toronto, Vancouver, and Montreal have emerged as vibrant tech hubs, attracting startups, established tech companies, and investors from around the world. From artificial intelligence and machine learning to clean technology and biotechnology, Canada’s tech ecosystem offers lucrative opportunities for investment and business expansion.\nWith a commitment to sustainability and environmental stewardship, Canada has made significant strides in the development of renewable energy sources such as hydroelectricity, wind power, and solar energy. The country’s vast natural resources and expansive geography make it an ideal location for renewable energy projects, including large-scale hydroelectric dams, wind farms, and solar installations. As global demand for clean energy continues to rise, investing in Canada’s renewable energy sector presents promising opportunities for long-term growth and impact.\nHealthcare and Biotechnology\nCanada’s healthcare and biotechnology industries are renowned for their world-class research facilities, cutting-edge medical technologies, and innovative pharmaceutical companies. The country’s universal healthcare system, combined with government support for healthcare innovation, creates a conducive environment for investment in areas such as medical devices, biopharmaceuticals, and digital health solutions. With an aging population and increasing demand for healthcare services, investing in Canada’s healthcare and biotechnology sectors offers significant potential for financial returns and societal impact.\nNatural Resources and Mining\nCanada is rich in natural resources, including minerals, metals, forestry products, and energy commodities. The country’s mining sector is one of the largest in the world, with abundant reserves of gold, copper, nickel, and other valuable minerals. Additionally, Canada’s vast forests provide opportunities for timber harvesting and sustainable forestry practices. With global demand for natural resources continuing to grow, investing in Canada’s natural resources and mining industries offers potential for strong returns and diversification of investment portfolios.\nTourism and Hospitality\nCanada’s tourism industry is a major contributor to the country’s economy, attracting millions of visitors each year to its iconic landmarks, cultural attractions, and outdoor recreational activities. From the majestic Rocky Mountains and pristine national parks to vibrant cities and charming coastal towns, Canada offers a diverse range of experiences for travelers to explore. Investing in tourism and hospitality infrastructure, including hotels, resorts, and tour operators, presents opportunities to capitalize on the growing demand for travel and leisure experiences in Canada.\nIn conclusion, Canada offers a wealth of business opportunities across various sectors and industries, driven by factors such as technological innovation, renewable energy development, healthcare advancements, natural resource abundance, and tourism growth. Whether you’re a seasoned investor seeking high-growth opportunities or a newcomer looking to diversify your portfolio, investing in the True North can yield significant returns and contribute to the country’s economic prosperity. So seize the opportunities that Canada has to offer and embark on a journey of business success and growth in the Great White North.", "domain": "finance"}
{"url": "http://www.onlinepoker.directory/news/2015/02/vancouver_casinos_attract_chinese_high_rollers/index.html", "date": "2021-09-21T09:04:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057199.49/warc/CC-MAIN-20210921070944-20210921100944-00621.warc.gz", "language_score": 0.9569090604782104, "token_count": 435, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__210182502", "lang": "en", "text": "The British Columbia Lottery Corporation (BCLC) hopes to increase its revenues this year as it has attracted a number of Chinese high rollers.\nSince its lottery ticket sales have fallen, the Crown Corporation has focused on promoting its casino products to wealthy high rollers from Mainland China, who are willing to bet as much as $100,000 on a game of baccarat. BCLC CEO Jim Lightbody says that the strategy has been immensely successful as table games, including high-stakes games, have generated 20 percent more revenue than last year.\nThe Crown’s budget papers indicate that it intends to beat its own target of generating a net income of $1.2 billion for the fiscal year ending on March 31 because of “an increase in high-limit table revenue.”\nBut critics say that the provincial government is taking a huge risk by promoting a variant of gambling that has been known to encourage organized crime and money laundering in different parts of the globe.\nSandy Garossino, who belongs to Vancouver Not Vegas, an association that is urging the government to impose a moratorium on gambling expansion, said: “I would suggest we’re more than flirting with this, and the government has to know this. Surely, someone, somewhere should be asking: Is this the right thing for a B.C. Crown corporation to do?”\nAccording to Lightbody, brick-and-mortar casinos have raised the number of “salons” or private gambling rooms and increased table limits from $5k to $100k per hand. Casinos have also started providing comps, accommodation, and free food for the benefit of their high-stakes customers.\nCurrently, the Lower Mainland has 135 salons or private gambling rooms, most of them in the region’s top four casinos—Vancouver’s Edgewater, Richmond’s River Rock, Burnaby’s Grand Villa, and New Westminster’s Starlight.\nThe high-stakes tables are meant chiefly for Chinese gamblers, who prefer high-stakes baccarat games.", "domain": "finance"}
{"url": "https://www.avalon-ventures.com/bios/tighe-reardon", "date": "2019-07-22T20:50:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195528220.95/warc/CC-MAIN-20190722201122-20190722223122-00546.warc.gz", "language_score": 0.9810722470283508, "token_count": 204, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__147936616", "lang": "en", "text": "Tighe Reardon joined Avalon in 2014 as Vice President of Finance and was promoted to Chief Financial Officer in 2015. Mr. Reardon has over 15 years of senior finance and technical tax experience ranging from start-ups to large public companies. As CFO, Tighe is involved in general fund administration as well as in the financings, exits and liquidations for all portfolio companies.\nPrior to joining Avalon, Mr. Reardon was the Senior Vice President of Tax and Treasury at DJO Global, Inc., a $1.2 billion multinational medical device company owned by Blackstone, Inc. (NYSE:BX). Additionally, Mr. Reardon acted as the Director of Taxation for Relational Investors, LLC, a $7 billion activist fund.\nMr. Reardon began his career at Arthur Andersen LLP. He has a M.S. in taxation and a B.S. in accounting from San Diego State University. He is a Certified Public Accountant in the State of California.", "domain": "finance"}
{"url": "http://atacarnet.in/chennai-august-13-2009-2.html", "date": "2017-04-26T13:51:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121355.9/warc/CC-MAIN-20170423031201-00354-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9546905159950256, "token_count": 433, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__269790787", "lang": "en", "text": "Use of uniform customs document advocated The Hindu, Chennai, August 13, 2009\nTo offset the dip in trade volumes owing to the economic crisis, businessmen should make extensive use of \"ATA Carnet\" as is done in the developed countries, said Alop K. Mittal, adviser to the Federation of Indian Chambers of Commerce and Industry (FICCI), here on Tuesday.\nATA is an acronym for the French and English words 'Admission Temporaire/Temporary Admission.' It is an international uniform customs document issued in 66 countries. It permits duty free temporary admission of goods into a member-country without the need to raise customs bond, payment of duty and fulfilment of other customs formalities in one or more countries.\nAddressing FICCI members at a workshop on 'ATA Carnet: Rights and Obligations,' he said it was a testing time for the developed and developing countries and efforts should be made by the business community to take full advantage of international taxation practices and regulations. P. Murari, adviser to the FICCI president, said the cumulative exports from April to June 2009 was Rs.1,72,762 crore against Rs.2,14,808 crore in the corresponding period last year, and imports were Rs.2,48,171 crore (Rs.3,34,191 crore). This represented a drop of 31 per cent and 36.5 per cent respectively in dollar terms, he said.\nP.S. Pruthi, Commissioner of Customs and Export Promotion, Central Board Excise and Customs, said that in the last two to three years, indirect tax collections had declined while direct tax collections had gone up.\nC. Hari Rao, Additional Commissioner of Customs, Air Cargo Complex, Chennai, said: \"FICCI is the National Issuing and Guaranteeing Association for ATA Carnets in India. It has been doing a good job.\"\nS. Vijayalakshmi, Assistant Director, FICCI, and D.V. Venkatgiri, Director, FICCI-Tamil Nadu State Council also spoke in the workshop.", "domain": "finance"}
{"url": "https://www.mouthdocs.com/faq/", "date": "2024-02-25T06:05:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474581.68/warc/CC-MAIN-20240225035809-20240225065809-00826.warc.gz", "language_score": 0.9552956223487854, "token_count": 542, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__157810959", "lang": "en", "text": "Our office is contracted with most PPO insurance plans. Because we know most people do not like to be forced by insurance companies to choose from a list of healthcare providers, our office has chosen to become an “unrestricted provider” of dental services. What this means is that even if we may not be on your list we can still see you as a patient and provide the best quality dentistry possible. We will always estimate for you your co-pay, if any, and help estimate how much your insurance may cover or reimburse back to you. We also offer a choice of several payment options. In essence, you pay our fee for services(we always give you an estimate up front) and we will ask for that payment and then work with you to help get your insurance company to send their contracted fees back to you. If you would like, our Insurance/Financial Coordinator would be happy to review your dental plan with you. Give us a call today! 727-548-7100\n-Cash, check, and most major credit cards are always accepted to cover your co pay.\n-Interest free payments are another option. Our office has a long standing relationship with Care Credit, a company that offers monthly payments.\n-For those without traditional dental benefits such as insurance, we offer an annual membership in the Piper Family Dentistry Wellness Plan. Benefits include reduced fees on most services including cleanings, exams, x-rays, and dental treatment. Unlike dental insurance, our Wellness Plan has no required deductibles, no calendar year maximum limitations, no qualifications or pre-existing condition exclusions, no need for pre-determinations, no restrictions on cosmetic services, or any other red tape that can sometimes make dental insurance reimbursement confusing and annoying. That’s because our Wellness Plan is not dental insurance – it is a membership plan that we are bringing right to you without any third-party interference or limitations! Call today to learn more! 727-548-7100\nOne key component of maintaining good dental health is to discover if something is wrong early. By waiting until something breaks or is painful can make recovery much harder and cost more money. Prevention and early detection are why we recommend visiting the dentist regularly. During your examination, Dr. Piper and his team help you understand your oral condition and make recommendations on how you can prevent painful and costly treatment. Routine dental care is important many for reasons such as helping to prevent tooth decay and bad breath, periodontal (gum) disease, which can lead to tooth and bone loss and screen for oral cancer. Call us today for your wellness visit. 727-548-7100", "domain": "finance"}
{"url": "http://fdz.iab.de/en/FDZ_Events/NUKO2008.aspx", "date": "2017-02-26T05:45:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501171936.2/warc/CC-MAIN-20170219104611-00419-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.814893364906311, "token_count": 216, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__135090162", "lang": "en", "text": "Inhaltsbereich: Institut für Arbeitsmarkt- und Berufsforschung\n3rd User Conference on the Analysis of BA and IAB Data\nDecember 5th and 6th, 2008\nThe Conference will be held in Congress Centre of Bundesagentur fuer Arbeit (Federal Employment Agency), Regensburger Strasse 104, Nuremberg, Germany. For access to the building you need an ID Card or passport.\nDirections to the Bundesagentur fuer Arbeit.\nDuring this conference, research projects which are based on BA and IAB data will be introduced. Moreover, the conference is an important contact and experience exchange forum for data users and producers.\nThe conference language will be English.\nReimbursement of travel and accommodation costs for speakers\nThere will be a small budget to cover travel and accommodation expenses for speakers who don’t have other financing possibility. If you want to apply for a refund, please inform us about the approximate amount of travel costs when submitting your paper.", "domain": "finance"}
{"url": "https://redjacket.owwl.org/help-wanted-part-time-treasurer/", "date": "2021-01-23T23:54:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703538741.56/warc/CC-MAIN-20210123222657-20210124012657-00225.warc.gz", "language_score": 0.9211670160293579, "token_count": 632, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__20491125", "lang": "en", "text": "Red Jacket Community Library is seeking a part-time treasurer. Flexible hours, approximately 15-20 hours per month, $500. You will work closely with the Director and report to the Board of Trustees. Experience with QuickBooks and accounting for non-profit organizations preferred.\nJob Title: Treasurer, Red Jacket Community Library, Shortsville, NY\nReports To: Red Jacket Community Library Board of Trustees\nJob Summary: The Treasurer is an independent officer of the Red Jacket Community Library, appointed by the Board of Trustees under provisions of Education Law §259(1)(a) and serving at the pleasure of the Board. Reporting to the Board of Trustees and working closely with the Library Director, the Treasurer is responsible for depositing and disbursing library funds, maintaining appropriate accounting records, and providing a monthly Treasurer’s report to the Board. Additionally, the Treasurer provides financial input required for reports to the state, county and federal government. The Treasurer assists the Board and Director in preparing the Library budget.\nEssential Duties: Refer to RJCL Policy 500-3 (PDF) for a detailed list of essential duties.\nExpectations of the Board\n- This job requires approximately 15-20 hours per month, varying over the year.\n- The Board expects the Treasurer to be present at the Library once or twice each week: To pick up and deliver essential documents; to review budget performance with the Director; to answer questions for the Board’s Claims Auditor; and otherwise work with the Director and members of the Board. Times, dates and duration of these working sessions to be mutually agreed upon.\n- The Board expects the Treasurer to attend most regular meetings of the Board (one evening per month).\n- The Treasurer may perform additional work remotely using the laptop computer provided for this purpose by the Library.\nRequired Knowledge, Skills and Abilities\n- Knowledge of accounting procedures, especially as pertaining to non-profits\n- Knowledge of, or ability to learn, accounting and reporting requirements specific to Libraries as imposed by New York State, including deadlines for filing of essential reports\n- Attention to detail\n- Ability to monitor and meet deadlines, including notifying the Board of upcoming deadlines that require Board action\n- Ability to prepare and clearly present a monthly Treasurer’s report, highlighting and explaining essential financial information from the financial reports, to the Board of Trustees\n- Ability to work cooperatively with the Director to monitor the Library’s budget and financial health\n- Ability to respond promptly and appropriately to requests from the Board of Trustees and the Director\n- Ability to work with QuickBooks and common computer applications (e.g. MS Office)\n- Ability to navigate cloud storage systems (e.g. Google Drive) to share reports\nEducation and Experience\nBachelor’s Degree in accounting or equivalent work experience\nCivil Service Classification\nThe Library Treasurer is not part of the competitive class of civil service but, as a part-time Library employee, must comply with local civil service rules.\nSend resumes to firstname.lastname@example.org", "domain": "finance"}
{"url": "https://jixsze.com/order-form/", "date": "2023-06-10T20:12:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224646350.59/warc/CC-MAIN-20230610200654-20230610230654-00741.warc.gz", "language_score": 0.9241564273834229, "token_count": 113, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__224446331", "lang": "en", "text": "NOTE: Presently we only sell our products in Singapore (locally).\nTo purchase, kindly fill in this order form and submit it.\n1. Upon receiving your order, we will send you an email confirming your order with an invoice number for you to make the payment to complete your purchase. Details of our bank account will be indicated in the invoice. Payment can be made via PayNow Corporate or ATM Transfer / Direct Bank Credit.\n2. Once payment is received, we will send you an email to confirm the delivery schedule.", "domain": "finance"}
{"url": "http://bsbi.org/subscriptions", "date": "2017-10-19T03:37:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187823220.45/warc/CC-MAIN-20171019031425-20171019051425-00886.warc.gz", "language_score": 0.9140691757202148, "token_count": 810, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__112135254", "lang": "en", "text": "BSBI has around 3,000 members from Britain, Ireland and beyond. Members receive the following benefits:\n- Three member newsletters per year\n- Three issues of our scientific journal, New Journal of Botany, per year\n- Access to the host of field meetings, conferences and other events run throughout the year.\n- Contact details for botanists and local groups in your area.\n- Access to our network of expert referees on hand to assist in identification of difficult groups.\n- Discounts on BSBI publications from Summerfield Books.\nJoining is simple and we have a range of payment options available. Take the following steps:\n1. Right-click on this Membership Form, save it to your computer’s hard disk and then double-click on it to open it. Once completed, save it again and email it to the membership secretary or post it to 41 Marlborough Road, Roath, Cardiff, CF23 5BU.\nNB, the form is in pdf format. You may need to install free Adobe Reader software to open it.\n2. Choose a payment option\n- Direct Debit (print the form, sign it and either scan and email it or post it to the Membership Secretary)\n- Online payment (use the button to the right)\n- Cheque or postal order (made payable to BSBI and post to Membership Secretary, 41 Marlborough Road, Roath, Cardiff, CF23 5BU)\n- Bank transfer. Contact us for our bank account details.\n3. Complete the GiftAid form (if you wish to).\n- Ordinary (UK & Ireland): £30 (€38) per year.\n- Family: £4 (€5) for each additional member (but no separate mailings).\n- Junior: £12 (€15) (up to the age of 21 or up to 25 if in full-time education).\n- Overseas: £32 (€40).\n- Senior (for longstanding members, see below): £22 (€28).\nSubscriptions are due on the 1st of January each year but if you join after 1st October the subscription lasts to 31st December of the following year.\nBy joining BSBI you will also become a company member supporting and agreeing to the BSBI’s objectives and ways of operating set out in our Articles of Association.\nWith the introduction of the New Journal of Botany BSBI has abolished its institutional membership category. Institutions will instead subscribe to NJB via our publishers, Taylor & Francis. Visit their website for details.\nNew Journal of Botany\nTo subscribe to a paper copy of the NJB, you can use the PayPal buttons below to pay the additional fee of £6.66 or €8.66 per year for two issues.\nOur Membership Secretary is Gwynn Ellis. You can contact him on membership matters, including change of addresses, at 41 Marlborough Road, Roath, Cardiff, CF23 5BU.\nMaking an online payment\nYou can pay your subscription online using the secure Paypal system (if you don’t have a Paypal account you can still pay online using a debit card). There are two Pay Now buttons below for standard membership categories, so you can pay in either sterling or euros.\nPlease use the 'Instructions' field below to add your membership number (if you are renewing your subscription) or to tell us that you are a new member.\nThe Pay Now button below allows you to put in the sum that applies to you and set your own payment for other membership categories, subscriptions to BSBI News, etc. Please use this button to pay any non-standard amount.\nMembers who have been with the Society for at least 10 years, are over 65 and not in full time employment, may apply to the Membership Secretary (Gwynn Ellis) to have their subscriptions reduced to a 'Senior' rate.", "domain": "finance"}
{"url": "https://cog.network/disclaimer/", "date": "2021-07-31T03:12:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154042.23/warc/CC-MAIN-20210731011529-20210731041529-00592.warc.gz", "language_score": 0.9340542554855347, "token_count": 447, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__225299173", "lang": "en", "text": "COG Network Management LLC or any of its affiliates (collectively, “COG Network”) will be conducting a private fund offering for accredited investors in the United States and investors abroad. Investing will be limited by individual country regulations and based on acceptance of investors in the offering.\nNeither this website nor any of the information contained herein is intended to be or is an offer to sell, or a solicitation of any offer to buy, any security or other financial instrument or to invest in the equity or token issued by COG Network (“COG Security”). The offering of any COG Security will not be registered, qualified, or approved under any securities, futures, financial instruments, capital markets, or exchange control legislation, regulation, or ordinance of any jurisdiction. In all jurisdictions, any offer to sell or solicitation to buy any COG Security, when made, will be directed solely to accredited, qualified or sophisticated investors to whom offers and solicitations to sell any COG Security may be made without any licensing, registration, qualification, or approval under applicable law. Before you decide to invest in any COG Security, you should carefully read the applicable offering documents and consult with your own advisors. An investment in any COG Security will be speculative and will involve significant risks, which you should understand prior to making an investment. The private placements of any COG Securities will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or any state or foreign securities laws, and any COG Securities will be offered pursuant to an exemption from registration provided by (a) Rule 506(c) of Regulation D promulgated under the Securities Act and in reliance on similar exemptions under applicable state laws and (b) Regulation S promulgated under the Securities Act. An investment in any COG Security will be suitable only for (i) U.S. investors who represent and verify that they are accredited investors as such term is defined in Rule 501(a) of Regulation D under the Securities Act, and (ii) non-U.S. investors who represent they qualify as the type of investor required under laws of the jurisdictions applicable to such investors.", "domain": "finance"}
{"url": "http://www.anchoragedemocrats.org/", "date": "2014-04-24T00:40:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1398223204388.12/warc/CC-MAIN-20140423032004-00445-ip-10-147-4-33.ec2.internal.warc.gz", "language_score": 0.8949372172355652, "token_count": 250, "dump": "CC-MAIN-2014-15", "global_id": "webtext-fineweb__CC-MAIN-2014-15__0__72323126", "lang": "en", "text": "Community Action Fund: Anchorage Democrats Give Back\nAnchorage Democrats Community Action Fund is intended to support\nlocal initiatives that demonstrate a benefit to the greater\nAnchorage community, made possible through Alaska's Charitable Gaming Funds through the Alaska Democratic Party. Projects that create social, educational, artistic and recreational initiatives are invited to apply each year to receive a grant.\nApplicants can be individuals, businesses or non-profit organizations\nthat reside within the municipality of Anchorage. The applicant\nshould clearly articulate how funds will be used, and how the use of\nfunds will benefit the community.\nCongratulations to the 2011 Award Recipients:\nAlaskan AIDS Assistance Association- funds used for AIDS prevention, testing, and awareness education.\nFirst Alaskans Institute- funds used for the Elders & Youth Conference.\nBack to Work Network- funds used to purchase shoes and clothing for needy children in the Fairview area.\nAlaska Women's Veterans- funds used for organizing and community building among Alaska's women veterans.\nIdentity- funds used to bring rural youth to their fall Pride Conference & Youth Summit.\nThe Music Machine- funds will go to scholarships for disadvantaged children to participate in their arts and music programs.", "domain": "finance"}
{"url": "https://www.ga-criminaldefense.com/criminal-defense/white-collar-crimes/types-of-fraud/credit-card-fraud/", "date": "2023-12-06T13:27:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00457.warc.gz", "language_score": 0.9445464611053467, "token_count": 506, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__221601284", "lang": "en", "text": "Credit card fraud is becoming more and more common as newer forms of technology make consumers more vulnerable. When an individual unlawfully uses another person's credit card information to take money from their account or make purchases using their name, it is considered credit card fraud.\nCredit card fraud is not taken lightly by law enforcement. These offenses can be charged on the state and federal level, with the federal government cracking down especially hard on the upsurge of these crimes. Some cases can even be escalated to involve the Federal Trade Commission or the FBI. Attorney Howard J. Weintraub can lend his insight as a former prosecutor to ensure you have a credible and resilient defense behind you.\nWhat should I do after I have been charged?\nYou should first consult with an experienced to go over your legal options. Working with your best interests in mind, our team can explore all the possible strategies to create your defense. As credit card fraud grows more prominent, so do the defenses available for defendants. We are here to ensure you are treated fairly throughout the process and your voice is heard in court.\nWe have helped clients facing a variety of credit card fraud, such as:\n- Using false information to open a credit card\n- Identity theft\n- Forgery or counterfeiting\n- Using a stolen credit card\nGeorgia's penalties for credit card fraud can result in a felony conviction, up to $5,000 in fines, and anywhere between one and three years in prison. Don't risk facing these penalties! Weintraub & Alper Legal. can help you avoid these harsh consequences by taking action and fighting aggressively in court.\nCall on Our Proven Legal Team\nAttorney Howard J. Weintraub is admitted to practice in Georgia, the U.S. Federal Court, and the U.S. Supreme Court. Since the firm's inception in 1985, he has been able to secure numerous positive outcomes, eventually garnering him a 10.0 rating of Superb on Avvo. That is exactly the type of trusted legal support that you need to assist you through your case.\nWe Have the Desire to Fight\nHoward J. Weintraub and Benjamin B. Alper have a 10.0 Superb Rating by Avvo\nHoward J. Weintraub Has Received Commendations From the FBI, IRS, & U.S. Attorney General\nOur Firm Has Over 55 Years of Combined Legal Experience\nHoward J. Weintraub is an Experienced Former Federal Prosecutor", "domain": "finance"}
{"url": "https://labelsfashion.com/en-us/pages/payments", "date": "2023-06-11T00:02:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224646652.16/warc/CC-MAIN-20230610233020-20230611023020-00056.warc.gz", "language_score": 0.8857390880584717, "token_count": 138, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__9868583", "lang": "en", "text": "You may use any of the following payment methods to pay for your order:\n- credit cards: Visa, Mastercard, Maestro, American Express;\n- digital wallets: Apple Pay, Google Pay;\n- local payment methods like iDeal, Bancontact or Klarna Pay Later.\nIn addition to payments in EURO, we also accept payments in local currencies:\n- US Dollar (USD US$)\n- British Pound (GBP £)\n- South Korean Won (KRW ₩)\n- Japanese Yen (JPY JP¥)\nAll payments made on the website are encrypted and secured.", "domain": "finance"}
{"url": "https://www.kantor.pl/en/korzysci/oszczednosc-niskie-oplaty", "date": "2020-08-04T22:25:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439735885.72/warc/CC-MAIN-20200804220455-20200805010455-00233.warc.gz", "language_score": 0.9196497201919556, "token_count": 252, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__79230016", "lang": "en", "text": "Clients are provided with free services such as free bank transfers (depending on the bank used by the client) or exceptionally low commissions for transfers. With the kantor.pl online exchange platform, foreign currency exchange rates are more favourable than those offered by banks and traditional exchange offices.\nKantor.pl enables currency exchange at the current exchange rate whenever you decide to make your transaction. The company guarantees that there are no hidden fees and clients are not charged any fees or commissions. Kantor.pl offers a variety of services for free:\n- Registration with kantor.pl – free\n- Making transactions – free\n- Foreign currency transfers from domestic banks (SHA option*) – free\n- Foreign currency transfers from foreign banks (SHA option*) – free\n- Electronic accounts – free\n- Transfers between clients and banks in which kantor.pl holds bank accounts – free\n* SHA option: costs divided between the sender and the recipient\nLow-cost international transfers\nThe Kantor.pl currency trading platform offers clients very low cost remittances. Fees for international transfers amount to PLN 3 for transactions in EUR and PLN 5 for transactions in GBP, CHF and USD, regardless of the amount.", "domain": "finance"}
{"url": "http://www.krowdguru.com/landing/what-is-crowd-funding.html", "date": "2018-10-20T04:41:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583512504.64/warc/CC-MAIN-20181020034552-20181020060052-00348.warc.gz", "language_score": 0.9495745301246643, "token_count": 1753, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__8834076", "lang": "en", "text": "Crowd funding generally refers to raising funds from a large number of individuals through an online platform. Here are some forms of crowd funding:\n|Form||What it is||Financial returns||Offer of securities may be involved|\n|Donation-based crowd funding||where individuals pool their resources to support a charitable cause||Nil||Nil|\n|Reward-based crowd funding||where individuals give money to a company in return for a “reward”, usually a product produced by the company||Nil. Return is usually non-monetary||Nil|\n|Lending-based crowd funding||where individuals lend money to a company and the company commits to repay the loan at pre-determined intervals and interest rate||Interest rate and return of amount lent.||Yes|\n|Equity-based crowd funding||where individuals invest in shares sold by a company and receive a share of the profits in the form of a dividend or distribution.||Profit-sharing in the form of dividends||Yes|\nLending-based and equity-based crowd funding which involve offers of securities are generally referred to as securities-based crowd funding (SCF). They are subject to securities regulation.\nWhat are some risks of participating in fundraising through crowd funding platforms?\nAs with any investment, do bear in mind whether your individual circumstances allow you to take on the risks involved. Here are some of the risks you should be aware of when considering SCF:\n|Risk||What it means|\n|Loss of capital||SCF tends to attract start-ups and small medium sized enterprises (SMEs) which may have yet to establish a track record. Globally, the failure rate for start-ups is high so there is a high risk of losing some or even all of your capital, especially if you are unfamiliar with early stage investing.|\n|Lack of liquidity||When you want to exit the investment, there is a risk that you may not be able to sell the securities or have to sell them at a significant discount|\n|Fraud risk||As fundraising is carried out through online platforms, you may not have direct contact with whoever is making the offers of securities. There is a risk that the projects or proposals may not be legitimate and that expected rewards or returns may not materialise.|\n|Platform closure or failure||If the operator of the SCF platform that you are relying on to ensure that your funds are passed on to the project owner fails, you may lose all your money. Do also check if your money will be segregated from the operator’s.|\n|Risks of investing in foreign issuers||If the securities are being offered by an issuer in another country, your rights will be subject to the laws of that country. You may also be subject to additional tax liabilities, transaction costs and capital controls.|\n|Insufficient information on the issuers to make fully informed investment decisions||You may not receive enough information to make a fully informed investment decision. There is no requirement for issuers and SCF platform operators to provide information that would be reasonably required to make informed assessments of the securities offered. Also, the financial statements of the start-ups and SMEs may not have been audited. An unaudited financial statement may not reflect the true financial health of a company. For foreign issuers, the financial statements of the companies may not be made accessible to you if there are no requirements in their home country to do so.|\nWhat should I look out for if I wish to contribute funds to a project on a crowd funding platform despite the risks involved?\nYou should exercise care and diligence in reading the applicable terms and conditions on the SCF platform before signing up or agreeing to contribute funds to any project or business proposal.\nIs crowd funding regulated by the Monetary Authority of Singapore (\"MAS\") in Singapore?\nSCF offers an alternative source of financing for start-ups and SMEs. The regulatory framework seeks to strike the right balance between improving access to financing for such entities and protecting your interests as an investor. All SCF platform operators who want to operate in Singapore must be licensed by MAS. MAS will admit only platform operators that are assessed to be fit and proper. Operators must ensure proper segregation of investors’ monies and keep proper records of transactions. SCF platform operators are expected to deal fairly with investors in the conduct of their business. If a licensed operator is found to have breached MAS’ rules, supervisory measures will be taken, ranging from enhanced audits to revocation of license. Fund-raising companies listed on SCF platforms may make small offers (i.e. raising less than $5 million within 12 months) without issuing a prospectus (an investment offering document). But they must disclose the key risks (as prescribed by MAS at a minimum)1 of such investments to you. The key risks were largely described earlier. Before investing, you will be required to acknowledge that you have read and understood these risks. Do take time to consider the investment carefully as ultimately investors bear responsibility for their investment decisions. Crowd funding arrangements which do not involve the offer of securities (for example, where contributions are in the form of donations or pre-payment for merchandise) are not subject to MAS’ regulations.More on lending-based crowd funding\nAny invitation to lend money to an entity (e.g. a company) is deemed to be an offer of debentures, which are a type of security. The entity offering debentures must issue a prospectus unless the offer falls within an exemption, for example, if the offer is a small offer (personal offers of securities up to $5 million within any 12-month period) or a private placement (an offer of securities to no more than 50 persons within a 12-month period). Such exemptions are subject to certain pre-conditions.1Key risks to be disclosed are set out in Appendix 2 of MAS’Shares and Debentures Guidelines 4 – Guidelines on Personal Offers\nmade pursuant to the exemption for Small Offers. 2More information on lending-based crowd funding may be found in MAS issued FAQs on lending-based crowd funding.\nAre overseas crowd funding platforms that facilitate any offer of securities to Singapore investors caught under the applicable legislation?\nThis depends on the business model of the overseas crowd funding platforms. For example, offers made through an overseas crowd funding platform that solicits funds from investors in Singapore will be subject to prospectus and other applicable requirements. However, given the borderless nature of the internet and the fact that many such crowd funding platforms do not have any presence in Singapore, there are practical limits to the enforcement of local requirements. Thus, it is all the more important that you exercise vigilance before you decide to participate in such offers. Before you contribute funds through such overseas crowd funding platforms, you should ascertain if the platform is authorised or required to be authorised to facilitate such offerings, including in Singapore. You should only deal with persons who are regulated. MAS aims to safeguard your interests by ensuring that only competent and professional persons provide financial services to investors in Singapore. If you deal with an unregulated entity, you should be aware that the protection afforded under laws administered by MAS will not apply.\nWhat can I do if I encounter problems arising from my participation in a crowd funding arrangement?\nIf you suspect that a person has breached your rights as an investor, you can report the matter to MAS by sending your feedback to email@example.com.You should always read the investment offering documents carefully as well as any accompanying documentation. Never buy a product unless you fully understand the risks involved and decide that the product is suitable for your financial needs.\nHow do I find out whether a company is regulated by MAS?\nYou can refer to the Financial Institutions Directory found on MAS' website. The Financial Institutions Directory provides a listing of entities licensed to conduct regulated activities under the various Acts administered by MAS. If a consumer chooses to participate in schemes that are not regulated by MAS, he/she will not have the protection afforded under the regulatory framework administered by MAS, particularly if the operators are based overseas. If he has a complaint against an unregulated entity, he will also not be able to approach the Financial Industry Disputes Resolution Centre for assistance. And if an operator is based overseas, it could be even harder for the consumer to pursue the matter. Do also check the Investor Alert List which lists unregulated persons who, based on information known to MAS at the time of publication, may have been wrongly perceived as being licensed or authorised by MAS.", "domain": "finance"}
{"url": "https://newmarket.ca/LivingHere/Pages/Utilities/Water%20and%20Wastewater/Water-rebate-program--.aspx", "date": "2024-04-22T23:04:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00537.warc.gz", "language_score": 0.8988754153251648, "token_count": 184, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__35173862", "lang": "en", "text": "The Town of Newmarket offers a Water and Wastewater Rate Rebate program that is available to any property owner paying a Newmarket resident water bill for their property and qualifying for any of the following:\n- The Guaranteed Income Supplement under the Old Age Security Act\n- Support under the Ontario Disability Support Program\n- Ontario Works Assistance\n- A similar federal or provincial income support program\nThe Water and Wastewater Rate Rebate for qualified applicants is $37.87 per month ($454.44 per year). To apply for this rebate, you must provide proof annually to the Town of Newmarket to demonstrate your eligibility for one of the above programs and complete a Residential Rebate Application form. Our Finance department staff will contact NT Power to adjust your utility bill accordingly.\nFor more information, please contact the Customer Service department at 905-895-5193 or by email at firstname.lastname@example.org", "domain": "finance"}
{"url": "https://annajuliacooperepiscopalschool.org/waystohelp/nap-tax-credit-program/", "date": "2019-05-21T20:02:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256546.11/warc/CC-MAIN-20190521182616-20190521204616-00204.warc.gz", "language_score": 0.9398365616798401, "token_count": 149, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__104944438", "lang": "en", "text": "Individuals and businesses that make a qualified donation of cash or marketable securities will receive tax credits in Virginia equal to 65% of the donation…AND may also claim a charitable contribution deduction on their federal and state income tax returns. AJC receives a limited amount of these tax credits, so donors who give $500 or more are eligible for these benefits on a first come basis. Please contact Laura McGowan, Director of Development, for more information and to determine availability: McgowanL@ajces.org, 804-477-5163.\nDisclaimer: Anna Julia Cooper Episcopal School is not qualified to offer personal tax advice. Please consult a tax professional if you have questions regarding tax implications of making a gift such as this.", "domain": "finance"}
{"url": "https://blog.getlevee.com/2015/09/29/5-simple-concepts-for-airbnb-hosts-to-avoid-irs-tax-audits/", "date": "2020-01-18T08:51:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250592394.9/warc/CC-MAIN-20200118081234-20200118105234-00194.warc.gz", "language_score": 0.9558916687965393, "token_count": 1371, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__32350641", "lang": "en", "text": "Airbnb hosting is new and exciting; unfortunately, the tax law is very grey. But if you err on the conservative side of the grey areas, then you might just save yourself a lot of time, money, and headache. Trust me, getting audited is no fun. So here are 5 simple concepts you need to know to make a smarter decision:\n1. You’re paid like a business\nThe first thing that triggers an automatic audit is when the system receives a 1099-K from Airbnb on your behalf and then determines that you did not properly report your Airbnb income.\nPassive income from rental properties generally receives a check monthly from the renter. But Airbnb is classified by the IRS as a third party payment provider like PayPal. As such at then end of the year, Airbnb issues you a 1099-K. A copy of this 1099-K gets sent out to the IRS and their automatic system reconciles your 1099-K against your filed return (usually against schedule C). If there is a discrepancy, the IRS automatically sends you a notice.\nWe had an Airbnb client who went through this issue. He was able to explain his way out with some guidance, however, many take a wrong path and end up paying more in taxes and tax prep fees for amended returns. To be safe, file Schedule C unless you have enough evidence to support your claim that your Airbnb gig is a passive activity and you didn’t provide substantial services.\n2. You’re closely similar to other businesses\nMost Airbnb’ers will fall under the Schedule C category just like most businesses do. You may have a tax preparer who tells you otherwise and it’s probably because they don’t know much about Airbnb. When they hear rental properties, they quickly assume you should file on Schedule E. But Airbnb’ing your space is more involved than just renting and collecting passive income. Airbnb is closely related to bed and breakfast operations (air bed&breakfast, duh!) and hotel chains which are both taxed as businesses and NOT passive activities.\nDoes your listing offer amenities as part of guests’ stay?\nIf the answer is yes, then it may appear that you’re offering services for the convenience of your guest, which by the IRS definition, is providing substantial services. Many tax court cases zeroed in on what’s considered ‘substantial’ so make sure you take a stance that you can back up.\nWhen you book a hotel, it is reasonable for guests to expect that their nightly rate includes a clean room, bed with clean linens, cable TV, soap, shampoo, clean towels, coffee pot, microwave etc. These are provided for your convenience. Similarly, many Airbnb listings includes similar services and guests takes into considerations these amenities when booking so keep in mind that an IRS agent could make the same comparison.\n3. You act like a business\nMost Airbnb’ers rent their place out less than 30 days. The IRS says that if you’re renting your place less than 7 days on average or less than 30 days on average AND provide substantial personal services, then your activity is no longer “rental” but that of a business. So you’re Airbnb income should be reported on Schedule C and not on Schedule E.\nAirbnb’ers can generate losses in the early years especially if they invest in business assets to furnish or redecorate their space. But the IRS questions losses because, in their minds, no one would operate a business to lose money unless it’s a hobby or a tax loophole. So the IRS created limitations on what losses can be deductible against ordinary income.\nBack in the old days, people who made a lot of money on their W-2 income felt the pinch of getting taxed at the highest tax bracket. So one of the tax loopholes available was to buy real estate properties and allow the equity to build up while operating at huge losses. The huge passive losses could offset ordinary income so high earners paid way less in taxes. The IRS caught on, shut down the party, and ended the loophole.\nFast forward to today, you can only offset your active losses against ordinary income. Passive losses can only be offset against passive gain. So if you’re operating in a loss for multiple years on Schedule C, you have a higher chance of an audit.\n4. The IRS and local governments want to classify you as a business\nIf you act like a business, get paid like a business, and provide services similar to other businesses that pays Self-employment taxes, then you must be a business! Uncle Sam wants his fair share and he’s going to get it one way or another. Either the hosts or Airbnb is operating a business so someone has to pay up for the Self-employment tax.\nAirbnb is a third party platform like EBay and Craigslist that processes payments between the hosts and guests. Airbnb is different than Uber and many sharing economy companies that hire independent contractors, therefore, hosts are the most likely target of the IRS. It’s really hard to claim that you’re not a business when you (or a management company) handles the nightly bookings and provide personal services to your guests like hotel chains.\nYour local government also wants to classify you as a business. Hotel and motel chains collect transient occupancy tax (or hotel tax) from their guests and remit the payments to the local government. The tax is used to fix the roads, beautify the city, and promote tourism. Regardless if transients stay at Airbnb or hotels, the city still needs their hotel tax from transients. So either Airbnb or the hosts (a.k.a., business owners) are required to collect from the transients and remit the payments to the city.\n5. Don’t writeoff your business and personal space\nMany Airbnb’ers rent out their extra room or entire spot when they’re on vacation. Problem is, many of these spaces are not exclusively used for business; some uses the spare room for their personal stuff. The fastest way to get audited is if you deduct both the personal and business portion of your home expenses. There are many court cases related to shared spaces in which the tax courts ruled that common spaces are considered personal space. So make sure your calculation is flawless, otherwise, years of back taxes, interest and penalty will haunt you.\nOur general professional guidance is to file your returns on Schedule C unless you can substantiate that you should be on Schedule E. Contact one of our Levee tax professionals who will properly calculate the business percentage of your home expenses that is tax deductible.", "domain": "finance"}
{"url": "https://www.peopleschoiceinspections.com/2019/02/01/paying-a-little-extra-for-an-internachi-inspector-pays-off/", "date": "2024-04-14T10:08:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816879.25/warc/CC-MAIN-20240414095752-20240414125752-00056.warc.gz", "language_score": 0.9514697790145874, "token_count": 219, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__91962341", "lang": "en", "text": "Buying a home? It is probably the most expensive purchase you will ever make. This is no time to shop for a cheap inspection. The cost of a home inspection is very small relative to the value of the home being inspected. The additional cost of hiring an InterNACHI-certified inspector is almost insignificant by comparison.\nYou have recently been crunching the numbers — negotiating offers, adding up closing costs, shopping for mortgages — and trying to get the best deals. Don’t stop now. Don’t let your real estate agent, a “patty-cake” inspector, or anyone else talk you into skimping on the home inspection. InterNACHI-certified inspectors perform the best inspections by far.\nInterNACHI-certified inspectors earn their fees many times over. As the most qualified inspectors, they do more, they deserve more, and — yes — they generally charge a little more. Do yourself a favor and pay a little more for the quality inspection you deserve.\n*Written by InterNACHI", "domain": "finance"}
{"url": "https://addprofit.net/navigating-the-world-of-loans-a-comprehensive-guide/", "date": "2023-11-30T16:24:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100229.44/warc/CC-MAIN-20231130161920-20231130191920-00281.warc.gz", "language_score": 0.9412156343460083, "token_count": 589, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__310324107", "lang": "en", "text": "Loans are a fundamental financial tool that many individuals and businesses rely on to achieve their goals and address various financial needs. Whether it’s purchasing a home, funding education, starting a business, or dealing with unexpected expenses, loans provide a means to access capital. In this article, we will delve into the world of loans, exploring the different types available, the factors to consider when applying for one, and the responsible management of borrowed funds.\nTypes of Loans\nLoans come in various forms, each tailored to specific purposes. We will discuss the most common types, including personal loans, home mortgages, auto loans, student loans, and business loans. Understanding the differences between these loans is crucial in making informed borrowing decisions.\nThe Borrowing Process\nThe process of obtaining a loan involves several steps, from application to approval and disbursement. We will walk you through the typical loan application process, highlighting the importance of creditworthiness, income verification, and documentation.\nInterest Rates and Repayment Terms\nInterest rates and repayment terms are key aspects of any loan. We will explore how these factors can significantly impact the cost of borrowing and how to choose the most suitable loan with favorable terms. Additionally, we will discuss fixed and variable interest rates, as well as the importance of a well-structured repayment plan.\nResponsible Borrowing and Managing Debt\nManaging debt responsibly is essential to financial well-being. We will provide guidance on budgeting, debt consolidation, and strategies for avoiding excessive debt. Understanding your financial capacity and making timely payments are crucial to maintaining a healthy credit profile.\nLoan Pitfalls and How to Avoid Them\nWhile loans can be valuable, they also come with risks and potential pitfalls. We will highlight common mistakes borrowers make, such as taking on too much debt or falling for predatory lending practices. Learning to identify red flags and exercising caution when borrowing is essential to financial security.\nLoans are powerful financial tools that can help individuals and businesses achieve their objectives. However, they require careful consideration and responsible management. By understanding the types of loans available, navigating the borrowing process effectively, and making informed decisions regarding interest rates and repayment terms, you can use loans to your advantage and avoid falling into financial traps.\nIf you are considering taking out a loan, take the time to educate yourself about the various options and their implications. Create a comprehensive financial plan that includes debt management strategies and responsible borrowing practices. Prioritize building and maintaining a strong credit history to access loans with favorable terms. Lastly, seek financial advice from professionals when needed to make well-informed decisions about your borrowing needs. Responsible borrowing ensures a brighter financial future.\n- Navigating Startup Challenges: Success Strategies - 13th November 2023\n- Understanding and Navigating the World of Managing Debt - 1st November 2023\n- Finance: Navigating the World of Money - 25th October 2023", "domain": "finance"}
{"url": "https://hockeyanswered.com/what-is-the-yearly-revenue-of-the-nhl/", "date": "2021-10-23T05:21:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585561.4/warc/CC-MAIN-20211023033857-20211023063857-00333.warc.gz", "language_score": 0.9686023592948914, "token_count": 1511, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__149768084", "lang": "en", "text": "Everyone knows that sports is big business. It hasn’t always been this way, but in the past three decades professional sports has found a way to significantly increase the money they take in.\nSo how does the NHL fit into this landscape? Are they racking the money in like other sport leagues?Embed from Getty Images\nWhat is the yearly revenue for the NHL? The yearly revenue for the NHL is about $5 billion dollars, which is predominantly made up of television revenue, gate receipts, concessions, and royalties from licensing. The collective bargaining agreement between the owners and players split these revenues 50/50.\nNHL Yearly Revenue Chart\nAs you can see over the last ten years the NHL has significantly increased its revenue. The one dip in 2012/13 was due to an NHL lockout that limited the year to a 48 game season.\nI expect the league to continue to grow their revenues significantly in the upcoming years. Let’s take a look at what makes up these revenues and where the greatest room for growth is.\nWhat makes up the NHL yearly revenue?\nTicket Sales – the NHL still relies more on ticket sales as a proportion of its revenue than the other major sports. In fact, the largest portion of the NHL revenue comes from ticket sales. In Toronto the average ticket price is $386 Canadian ($300USD). In Calgary, you can still get the cheapest seats for about $30. Luxury boxes – wow, those rack in the money. I have sat in them a couple of times – I am glad I didn’t have to pay the bill 🙂\nTelevision – the NHL still makes a sizeable portion of of it’s tv contract. The NHL national contract for Canada is actually worth more than the US one , even though Canada has 1/10 of the population. In Canada Rogers paid $600, whereas the U.S. national contract is $200 million.\nMerchandise and Concession Sales – this involves all the money that they get from t-shirt, jersey, parking, popcorn, and those $10-12 beersEmbed from Getty Images\nRoyalties from licensing – The NHL gets a lot of money from the licensing of it’s logos, images of players, and association with products. If you have ever bought an NHL product it is likely that the NHL did not produce it, but, instead, the NHL sells the permission for a company to make a product with its name.\nHave you ever bought a EA sports NHL video game? I have. (Actually, a lot of them through the ages)\nHave you ever bought an NHL lego character? I have (I’ve got Sean Monohan and Steven Stamkos in lego form).\nHave you ever bought an NHL table hockey game? I have (actually, a few of them over my lifetime).\nWow- I have bought a lot of NHL licensed products!!!\nEven if I’m not buying a ticket to the game I am sending the NHL money through the purchase of these products.\nGrowth of revenues going to come from?\nExpansion fees – the NHL has recently increased their revenue through the expansion of the Vegas Golden Knights, which accounted for $500 million to their coffers. The owners swung a good deal as they did not need to count it is Hockey Related Revenue – this means they didn’t need to share it with the players.\nAnyway, Vegas has increased the revenue of year-to-year with merchandise sales, local tv, ticket sales (I hear it is amazing to attend a game their, and the players already love playing their).\nThe NHL is going to do this again with Seattle, who enter the league in 2021-22. The expansion fee was $650 million and Seattle has already sold all of its season tickets and has a waiting list. There is more money coming to league operations.\nGambling – Any U.S. State can now offer legalized sports betting. All have taken different approaches and some are still considering their offers, however the NHL is definitely partnering in the roll out. This could be a potential cash cow as the NHL looks to get a slice of the revenue of people betting on it’s games.\nTV Revenue Growth – the biggest jump in NHL revenue will be the renegotiation of the U.S. national television deal. The $200 million/year they got from NBC is a rounding error when compared to the NFL, MLB and the NBA. I am not suggesting that the NHL will get anywhere near those leagues deals, but they will get a substantial raise.\nThe league has continued to increase viewership with Game 7 of the Boston – Blues series at 9 million was the highest ever for a game. People who tend to watch and go to NHL games have a higher than average income, and sports tv contracts continue to rise. All of this points to good things for the NHL when their U.S. tv contract with NBC sports comes due.\nWatch for ESPN and Fox get back in the fight, but I think a combination of NBCSports and ESPN will take home the rights.\nIncreased game day revenue – this means an increase in ticket costs. I always wonder how much they can keep on raising prices, but they do. NHL teams are always looking at ways to increase sales in-house whether that is from more luxury boxes, restaurants, or special game experiences such as behind the scenes tours.\nFor example, I once got to go on the ice after a preseason game and get a picture with a few Flames players. This cost extra to the price of the ticket!\nMain Expenses of Each Team\nThe NHLs largest expense (and this should come as no surprise) is the\nAn average NHL team is spending between $75 to $80 million a year on player’s salaries.\nThe rest of the money will go to the front-office staff, travel, local marketing, and building operations.\nNo one is quite sure how much money a team makes (or loses), but the setup with the players through the collective bargaining agreement is to split revenues 50/50.\nThis means that both players and owners share in the growth of the game.\nThe one thing I would wonder is what is counted as revenue. I am fairly certain that the owners have some revenue sources that are not counted towards the 50/50 split (like expansion fees).\nHow does this compare with other leagues?\nThe NHL yearly revenues of $5 billion dollars is a lot of money, there is no question about that.\nHowever, this number does pale in comparison to the other major sports leagues in the U.S.\nHere are the numbers from other sports:\nThe main difference between the leagues is revenue generated through television deals. The size of the television deals the other three leagues have negotiated dwarf the NHL deal in the United States.\nThe NHL is partially saved because it is able to negotiate a large television deal with the hockey crazed Canadian television market.\nThe NHL makes about $5 billion USD in revenue each year. They have significantly grown their revenues over the past 20 years.\nLook to see the NHL to continue to increase the amount of revenue they accumulate as they look to renegotiate a US television deal within the next two years. This along with the continued growth of the sport in the U.S. look to be the biggest upsides for the NHL.", "domain": "finance"}
{"url": "https://www.mgrealtyteam.ca/", "date": "2020-11-28T13:14:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141195656.78/warc/CC-MAIN-20201128125557-20201128155557-00004.warc.gz", "language_score": 0.9422181248664856, "token_count": 191, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__189305320", "lang": "en", "text": "If you’re considering buying or selling a home in Waterloo Region, then you’ve come to the right place! Buying or selling a home can be one of the largest financial decisions you'll make, and choosing the right REALTOR® is a very important decision. When you work with the Marcia Grove Realty Team, we will provide an unmatched level of communication, service, and results!\nWhether you're a first time home buyer or an experienced investor, we're committed to guiding you through the buying process. There are many important details to consider when purchasing a home. Avoid time-consuming and costly mistakes and put our experience to use.\nIt's important to work with an experienced REALTOR® when selling your most valuable asset. Selling a home takes preparation, organization and professional marketing. By choosing us to sell your home, we'll guide you through every stage, from analyzing your needs to closing the sale.", "domain": "finance"}
{"url": "https://www.alohra.com.au/pages/payment-information", "date": "2024-03-01T03:37:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474948.91/warc/CC-MAIN-20240301030138-20240301060138-00400.warc.gz", "language_score": 0.8919362425804138, "token_count": 383, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__17652649", "lang": "en", "text": "How can I pay online?\nWe accept payments within Australia using:\n- Zip Pay\n- Alohra Gift Cards\nHow do I pay online using PayPal?\nPayPal allows you to make secure purchases without revealing your credit card number or financial information. Not only does PayPal help keep this information private, it guarantees 100% protection against unauthorised payments sent from your account.\nVisit www.paypal.com.au for more information.\nHow do I pay online using AfterPay?\nAfterPay is a service that allows flexible payment plans for online purchases. Shop the gear you want now and pay it off in four equal payments over 8 weeks.\nTo use AfterPay you must:\n- have an Australian residential address\n- pay with a credit or debit card\n- be over 18 years old\n- transaction must be between $1.00 and $1,500.\nUsing AfterPay for the first time:\n- add your gear to the shopping cart\n- choose AfterPay as your payment method at checkout\n- you will be prompted to create an AfterPay account and confirm and pay the first of four instalments upfront\n- if you are a first-time customer, you will not be able to make another AfterPay purchase until your final payment on your initial purchase has completed\nPlease note: when paying with AfterPay you cannot split payment types eg: you cannot pay half with gift card and other half with AfterPay.\nFor more information please see AfterPay.com\nHow do I pay online using Gift Cards?\nWe accept Alohra Gift Cards only. Simply choose gift card as your payment method during checkout. You will need to enter your full gift card number.\nYou can use a gift card to pay for a portion of, or your entire online order purchase amount.\nWe can only process one gift card per online transaction.", "domain": "finance"}
{"url": "https://mrafblog.com/tax-day-2024-the-soonest-and-newest-you-can-file-your-taxes/", "date": "2024-04-24T18:17:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296819847.83/warc/CC-MAIN-20240424174709-20240424204709-00687.warc.gz", "language_score": 0.9474354386329651, "token_count": 616, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__88272994", "lang": "en", "text": "The 2024 tax season begins in roughly a month, which implies it is time to begin getting any tax paperwork you have already got collectively. It is also a superb time to start out saving cash for a possible tax invoice, and even to pay your estimated taxes now. We’ll inform you what the deadline is for submitting and paying your taxes.\nAdditionally, on the subject of state taxes, a majority of states adhere to the federal authorities’s timetable, however some have their very own schedule (see extra beneath).\nListed here are the dates it is advisable know to get you thru this tax season. For extra on taxes, this is the way to arrange an account on the IRS web site and the way to file your taxes in your telephone.\nHow quickly can I file my 2023 tax return?\nThe IRS hasn’t introduced an official submitting date for many who prefer to get an early begin on submitting their tax returns. Nevertheless, the window often opens in late January. We’ll replace this story when the IRS makes an announcement.\nEmployers are required to ship workers their W-2 and 1099 revenue tax types by the tip of January.\nWhen is the deadline for submitting a 2023 tax return with the IRS?\nThe official deadline to file federal tax returns is Monday, April 15, 2025.\nWhat is the deadline to file for a tax extension?\nApril 15 can also be the deadline to file a tax extension with the IRS. Getting an extension does not change the cost deadline. It simply provides you till October to finish the related paperwork.\nYou continue to must submit any quantity you owe on time to keep away from late penalties.\nSome states have later tax return deadlines\nAlaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming don’t accumulate revenue taxes.\nOf the 41 states that do, most adhere to the April 15 federal submitting deadline. There are some exceptions, together with Delaware, Iowa, Louisiana and Virginia.\nThus far, residents in different states with federal submitting extensions should nonetheless file their state returns by April 15, 2024. Most often, taxpayers can request an automated submitting extension however they nonetheless must make any excellent funds by the unique deadline.\nTest together with your state division of income for essentially the most up-to-date data.\nWhen can I count on my refund?\nThe IRS says taxpayers who file electronically and are due a refund can count on it inside 21 days — in the event that they select direct deposit and there aren’t any points with their return.\nBy legislation, the IRS should wait till mid-February to subject refunds to taxpayers who claimed the Earned Earnings Tax Credit score or Extra Little one Tax Credit score. Based on the company, these funds must be obtained by Feb. 27, 2024, for taxpayers who use direct deposit and don’t have any different points.", "domain": "finance"}
{"url": "https://www.businesstraders.co.za/template/Property.vm/propertyid/173", "date": "2022-06-30T07:19:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103669266.42/warc/CC-MAIN-20220630062154-20220630092154-00556.warc.gz", "language_score": 0.9732164144515991, "token_count": 483, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__151917891", "lang": "en", "text": "This type of business rarely comes on the market. Rare opportunity to purchase a highly successful, well-managed Agro Growing / Processing Business. The business operates in a niche sector, that is rapidly growing. The business is over 22 years of age and has established itself as a strong player in this sector.\nThe business has built up a strong client base of mainly blue-chip clients. Approximately 70% of its sales go to the retail market and 30% to the wholesale market.\nThe industry has high barriers to access and as such the business has limited direct completion within a large area.\nThe demand for the product they produce is constantly growing and bodes possibly for the business to continue growing at over 10% per year for at least the next 10 years. Approximately 4 years ago the business went through large capital expenditure and all the facilities were upgraded to the most modern technology, this upgrade also means that no further capital expenditure will be required for the next 5 years to accommodate the expected continued growth of the business.\nThe business is well-staffed and most staff members have been with the business for a long period of time. There is a full management team in place, which gives the owners flexibility in managing their business. They do make themselves available at the business on a daily basis and this is merely at oversight level as they are not involved directly in the day-to-day operations.\nThe business has shown to be consistently profitable over the past several years. From the financial summary, one can see that the total revenue in the 2021 financial year did drop to less than the 2020 financial year. This can be directly linked to the hard lockdown experienced in the early period of the 2021 financial year. From June 2020 the business has recovered back to normal trading figures.\nThe business has clear financial data and strong controls, allowing perspective business to easily undertake full due diligence.\nThe business, movable and immovable assets are all owned in a close corporation. The Sellers are looking to sell their member's interest in the close corporation.\nThis exceptional business comes highly recommended and we strongly suggest that buyers take a look.\n|Staff:||78 staff members.|\n|Asset Value:||R 47,000,000.00|\n|Cash Flow:||R 12,685,752.00|\n|Years Established:||23 years.|", "domain": "finance"}
{"url": "http://sdvcentralschool.in/index.php/fee-structure/", "date": "2019-07-18T09:53:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195525587.2/warc/CC-MAIN-20190718083839-20190718105839-00231.warc.gz", "language_score": 0.7652227878570557, "token_count": 225, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__126555194", "lang": "en", "text": "- As per the CBSE guide lines, our school office will entertain only cashless transactions for any matters.\n- Our school will collect fees (including bus fees) only through online transactions.\n- Visit our school website, www.sdvcentralschool.in for online transaction.\n- Tuition fees will be accepted without fine up to 20th of each month.\n- A fine of RS. 50/- will be levied for fees paid after 20th up to the end of that month.\n- A 5% discount is offered to those who pay the tuition fee for the whole year on or before the month of June.\nFEE SCHEDULE FOR THE ACADEMIC YEAR 2018-19\n|UKG - VIII||1600|\n|IX - X||1800|\n|XI - SCIENCE & COMPUTER||2300|\n|XI- COMMERCE & HUMANITIES||2100|\n|XII - SCIENCE & COMPUTER||2300|\n|XII- COMMERCE & HUMANITIES||2100|", "domain": "finance"}
{"url": "http://www.guineaexchange.org/boulangerie-de-dembayara/", "date": "2018-01-20T03:20:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084888878.44/warc/CC-MAIN-20180120023744-20180120043744-00236.warc.gz", "language_score": 0.9635392427444458, "token_count": 271, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__43865250", "lang": "en", "text": "Bakery of Dembayara\nThis community bakery is a sustainable economic program designed and implemented by Guineans to serve the needs of their communities in the region of Dembayara, Guinea West Africa.\nIn December of 2015, Guinea Exchange raised over $10,000 to cover the cost of fabricating the oven, constructing the building, creating a home for the baker and providing initial setup supplies.\nThis bakery has already begun to sustain itself and its community, providing food for dozens of neighboring villages. It is assisting with food scarcity in some of the hardest to reach communities in the country especially during the rainy season.\nThe bakery of Dembayara is not only creating jobs, it also is paying back a micro loan in monthly increments and donating profits to the Dembayara Clinic.\nLoan proceeds will be held on reserve by Guinea Exchange to fund future micro-finance projects in the region of Dembayara.\nIn this way, your donation dollars continue to support this community as the bakery succeeds.\nThe Guinean people are resourceful, creative and hard working. They just need assistance to put their ingenuity into motion.\nThe Bakery of Dembayara is a perfect example of that ingenuity.\nUpdates for January 2016 — Land has been cleared and the brick oven for the bakery has been completed and installed.", "domain": "finance"}
{"url": "https://aclw.hkbu.edu.hk/eng/faculty/admin-details.jsp?id=ggzhouHKB&cv=00069&cid=168&cvurl=", "date": "2022-12-09T05:23:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711390.55/warc/CC-MAIN-20221209043931-20221209073931-00798.warc.gz", "language_score": 0.6567321419715881, "token_count": 791, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__98485871", "lang": "en", "text": "Department of Accountancy and Law\nDr. Gaoguang Zhou 周高光 博士\nAssociate Professor, Department of Accountancy and Law\nAssociate Director, MBA\nAuditing, Corporate Finance/Governance, CSR\n- Hu, G., Liu, Y., Wang, J., Zhou, G., & Zhu, X. (2022). Insider ownership and stock price crash risk around the globe. Pacific Basin Finance Journal, 72(2022), 101714.\n- Zhou, G. (2022). Good for managers, bad for shareholders? The effects of lone-insider boards on excessive corporate social responsibility. Journal of Business Research, 140(2022), 370-383.\n- Chen, R., Tong, Y., Zhang, F., & Zhou, G. (2021). Do female directors enhance R&D performance?. International Review of Economics and Finance, 74, 253-275.\n- Bu, L., Chan, K., Choi, A., & Zhou, G. (2021). Talented inside directors and corporate social responsibility: A tale of two roles. Journal of Corporate Finance, 70, 102044.\n- Li, X., Tsang, A., Zeng, S., & Zhou, G. (2021). CSR Reporting and Firm Value: International Evidence on Management Discussion and Analysis. China Accounting and Finance Review, 23(2), 102-145.\n- Shi, H., Wen, W., Zhou, G., & Zhu, X. (2021). Do Individual Auditors Have Their Own Styles? Evidence from Clients' Financial Statement Comparability in China. Accounting Horizons.\n- Zhao, X., Zhou, G., & Rezaee, Z. (in press). Tournament Incentives and Corporate Social Responsibility Performance. Journal of Accounting, Auditing & Finance.\n- Kim, Y., Su, N., Zhou, G., & Zhu, X. K. (2020). PCAOB International Inspections and Merger and Acquisition Outcomes. Journal of Accounting & Economics, 70(1), 101318.\n- Ge, W., Kang, T., Song, B., & Zhou, G. (2020). Audit Profession Development and Bank Loan Contracting. Auditing: A Journal of Practice & Theory, 40(2), 85-105.\n- Chen, Y., Lin, B., Lu, L., & Zhou, G. (2020). Can Internal Audit Function Improve Firm Operational Efficiency? Evidence from China. Managerial Auditing Journal, 35(8), 1167-1188.\n- Cai, M., Chen, Theodore T. Y., & Zhou, G. (2020). Progress of and Obstacles to IFRS Implementation in an Emerging Economy: Auditors' Perspective. China Accounting and Finance Review, 22(1), 1-30.\n- Tang, S., Wang, W., & Zhou, G. (2020). Remanufacturing in a competitive market: A closed-loop supply chain in a Stackelberg game framework. Expert Systems with Applications, 161, 113655.\n- Jung, B., Kang, T., Lee, W., & Zhou, G. (2020). Pro-Labor Institutions and Corporate Employment Efficiency. Journal of Accounting, Auditing & Finance.\n- Chen, W., Zhou, G., & Zhu, X. (2019). CEO tenure and corporate social responsibility performance. Journal of Business Research, 95, 292-302.\n- Chen, Theodore T. Y., Zhang, F. F., & Zhou, G. S. (2017). Secrecy Culture and Audit Opinion: Some International Evidence. Journal of International Financial Management and Accounting, 28(3), 274-307.", "domain": "finance"}
{"url": "https://dailymontananews.com/2022/09/26/agricultural-loans-just-how-they-can-help-your-farm-grow", "date": "2023-06-01T03:12:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647525.11/warc/CC-MAIN-20230601010402-20230601040402-00176.warc.gz", "language_score": 0.9741790890693665, "token_count": 1431, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__89220454", "lang": "en", "text": "Agricultural Loans: Just How They Can Help Your Farm Grow\nNo matter how little your farm may be, Agricultural Loans can help it expand. Agricultural Loans are a specialized sort of loan that is made to aid farmers and also ranchers purchase land, animals, equipment, and various other products needed to run a farm. In Colorado, Agricultural Loans are offered through the Farm Service Agency (FSA), which is a division of the United States Department of Agriculture (USDA). If you are a farmer in need of funding for your agricultural operation, Agricultural Loans may be the ideal service for you!\nWhat is a Farm Loan\nIf you're in the agricultural industry, you know that farming is a pricey company. Beginning as well as operating a farm might be challenging, as well as you'll likely need funding-- specifically if you're brand-new to the area. That's where an agricultural loan comes in convenient.\nYou can use a farming loan for various purposes to assist enhance or expand your farm or cattle ranch organization. If you make use of the loan intelligently, it will lead to success.\nPrior to you obtain an agricultural loan, you ought to think of how to spend the cash. What tools will assist you achieve your goals as well as keep your company going? Just how much do you need to borrow? You'll need to have these strategies in place before obtaining the loan to ensure that you can utilize it appropriately. Farm ownership loans, as an example, can be made use of to acquire a farm or ranch, construct buildings or make improvements to building. Operating loans are suggested for short-term expenditures like seed, fertilizer, gas as well as animals feed.\nRight here are eight ideas of just how to use your farm loan:\nBuying Essential Farm Equipment\nOne of the most crucial points that a farm loan can be made use of for is purchasing vital equipment. This may include a tractor, irrigation system, or other equipment. If you're just starting out, you may not have the resources to buy these products outright, so a loan can be incredibly practical. You'll need to ensure that you have a prepare for paying off the loan, yet if you use the equipment wisely, it will be a rewarding investment.\nCovering Operating Costs\nAnother essential usage for a agricultural loan is to cover your operating costs. This could include things like seed, fertilizer, and other materials that you need to maintain your company running. It can be difficult to anticipate just how much you'll require to invest in a given year, so a loan can provide you the flexibility to cover these costs when they occur.\nInvesting in Supplies\nWhat do you need in order to increase crops? Seeds and dust! It 'd be excellent if starting a farm were as simple as growing seeds in the ground. Nevertheless, you'll likewise require equipment (as we previously went over), plant food, collecting instruments, as well as cash money for these and all of the other costs associated with taking off with a cash plant.\nBy permitting you to get vital products, such as a truckload of heritage tomatoes or a herd of Heifer livestock, your agricultural loan can set you up for success by getting you off on the best foot.\nBear in mind that you will not have the ability to repay your loan till harvest time, so maintain the quantity of your loan in mind - you might need to borrow enough to cover your operating costs till you start selling.\nTreatment Land Costs\nFarming loans can be made use of to get or lease home. It may be tough to browse the ins and outs of land acquisition, and the kind of farming you want will identify the sort of land you require. To determine just how much loan to take, you'll need to know what sort of land and also just how much of it you'll need, in addition to just how much it'll cost.\nRealize that you may have difficulty obtaining an agricultural loan to purchase land unless you put something up for collateral. Financial institutions bear in mind the fact farming can be a harsh service enterprise to do well in and also they may want some sort of insurance coverage or loan cosigner to guarantee they'll get their cash back.\nWeathering Price Crises\nFarming is a fickle sector, and couple of people remain in doubt concerning this. Yearly, your plant and also livestock production differs, as does the rate of products. Simply put, you're at the whim of buyers.\nFarm loans are exceptionally practical throughout the slower times for your farm. Loans can help your organization get through both the excellent and also poor moments. They act as a security blanket of sorts, letting you understand that points will at some point select back up again.\nYou may repay the loans and proceed growing your farm when you've come back on your feet.\nFight Droughts as well as Other Adverse Weather Conditions\nEvery so often, the climate in Colorado develops dry spells, floodings, storms, and various other all-natural catastrophes. These cases are regularly unforeseen and may lead to substantial damages to your farm.\nYou can minimize prospective damage to your farm by preparing beforehand as well as building watering channels. Nevertheless, it's impossible to predict whatever, so sometimes despite your best shots, points can still fail.\nWhatever the factor, a farm loan can aid you in remaining to run. They might assist you restore immediately and also get better more powerful and better.\nRefinancing Old Loans\nYou may want to finance an older loan with the profits of a new one sometimes. Simply put, you would certainly have an impressive loan still, however your rate of interest payments would certainly be reduced because of the newer loan's prices. This might sound weird, yet it's done typically in farming companies.\nOne of the most vital point to remember is that your passion cost savings need to be greater than or equal to the refinancing expenses. Consequently, it's crucial that you talk to your financial experts prior to making a decision.\nAn agricultural loan might be used to expand your company. When you at first started, you had to spend a substantial amount of cash on land, equipment, as well as other goods. Increasing your business requires the very same degree of investment. Utilize your agriculture loan to get even more property, larger centers, even more cattle, even more equipment, and so forth. You might likewise utilize the funds to work with added staff - a bigger procedure will certainly need much more hands!\nAgricultural Loans in Colorado\nThere are many types of Agricultural Loans offered in Colorado. The two major sorts of Agricultural Loans are Direct Loans and Guaranteed Loans.\nDirect Loans are made by the United States government and also have reduced interest rates than Guaranteed Loans. Surefire Loans are made by personal lending institutions however are backed by the government.\nThe type of Agricultural Loan that you pick will rely on your demands as well as credentials. To find out more regarding Agricultural Loans in Colorado, call Farm Plus Financial for added details.", "domain": "finance"}
{"url": "https://www.villarrealjewelers.com/jewelry-insurance/", "date": "2021-04-22T11:41:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618039603582.93/warc/CC-MAIN-20210422100106-20210422130106-00552.warc.gz", "language_score": 0.9123027324676514, "token_count": 401, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__69968024", "lang": "en", "text": "Whether you live in Austin, Central Texas or anywhere within the country, we recommend our clients protect their investment by purchasing jewelry insurance. Protecting your newly purchased diamond engagement, wedding ring or other custom designed jewelry items is important. After all, your personal jewelry will become family heirloom pieces passed down from generation to generation. All the more reason to properly insure your jewelry. Below are more reasons why you should protect your highly prized jewelry items.\nWhere do I purchase insurance for my jewelry?\nYour favorite pieces of jewelry reflect who you are and connect you to special moments with the ones you love. Jewelers Mutual Insurance Company – the only insurer specializing exclusively in jewelry insurance for more than 100 years – offers repair or replacement coverage to protect your jewelry for all its worth. Consider Jewelers Mutual for your jewelry insurance.\nPersonal Jewelry Insurance from Jewelers Mutual Insurance Group\nWe trust Jewelers Mutual and believe you deserve a professional, informative jewelry insurance experience so that you can wear your jewelry without worry.\nJewelers Mutual Advantages:\n- Comprehensive repair or replacement coverage that often goes beyond standard homeowners insurance and warranties\n- Worldwide protection against theft, damage, loss and even mysterious disappearance\n- Flexibility to work with your own jeweler; no need for multiple estimates\n- Licensed agents, GIA Graduate Gemologists and American Gem Society Certified Gemologists on staff whose passion and specialty is jewelry\n- Personal, professional assistance for your insurance with every call, question or claim\nJewelers Mutual Insurance Group has provided the content on this page. Underwritten by Jewelers Mutual Insurance Company, Neenah, Wisconsin. Coverage and pricing are subject to underwriting review and approval, and to policy terms and conditions.\nFor a FREE jewelry insurance quote, contact JewelersMutual.com , and enter our Jewelers Code A00357 to apply online and learn more. If you have any questions, please call Jewelers Mutual at (888) 884-2424.", "domain": "finance"}
{"url": "https://www.e17arttrail.co.uk/product-page/additional-main-exhibition-or-event-listing", "date": "2024-04-13T16:16:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816820.63/warc/CC-MAIN-20240413144933-20240413174933-00059.warc.gz", "language_score": 0.9519599676132202, "token_count": 117, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__6287395", "lang": "en", "text": "For when you require additional main exhibition or event listings\nAdditional Main Exhibition or Event Listing\nYou can purchase as many of these as required.\nAny related events can be nested underneath this main exhibition listing.\nA link to submit the details will be provided at a later date.\nRefunds for addtional listings can be given until 1st April 2024.\nAfter this time, if no longer required, they will be considered donations to the festival. We will have budgeted the overall festival spend based on money raised through listings.\nThank you for your understanding.", "domain": "finance"}
{"url": "https://www.cherylcollinshomes.com/blog/fed-reserve-update-6102020/", "date": "2022-06-29T22:43:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103645173.39/warc/CC-MAIN-20220629211420-20220630001420-00314.warc.gz", "language_score": 0.9523426294326782, "token_count": 661, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__123211350", "lang": "en", "text": "The Federal Reserve (Fed) kept interest rates unchanged and Chairman Jerome Powell stated the Fed would “do whatever it takes for as long as it takes” to support the recovery.\nThe Fed indicated it expects to keep rates near zero through 2022.\nTreasury and agency mortgage bond purchases will continue at least at their current pace, which reflects stronger guidance than investors expected.\nToday’s announcement is consistent with our “glass-half-full” view on the path forward.\nAs expected, the Fed held interest rates unchanged near zero today following its regularly scheduled two-day meeting. Chairman Jerome Powell reiterated the significant short- and medium-term risks they see to the economy, emphasizing the Fed will do “whatever we can and for as long as it takes” to promote the economic recovery. Chairman Powell did not announce any new initiatives, but highlighted the ongoing implementation of recent programs paired with the Fed’s willingness to use additional tools if needed. We anticipate the Fed will maintain a forceful accommodative policy stance for the foreseeable future.\nThe S&P 500 closed modestly lower, with growth stocks outperforming value and larger companies outperforming smaller. Treasury bond yields fell across maturities on the Fed’s commitment to maintain asset purchases and their plan to keep rates low for years.\nToday’s announcement reiterated the Fed’s intention to keep rates near zero for an extended time, confirmed the plan to continue large-scale asset purchases to help keep borrowing costs low, and provided details regarding some program implementation. Treasury and agency mortgage bond purchases will continue “at least at the current pace” while corporate bond purchases are set to rise. Chairman Powell noted the Main Street Lending Facility directed at small- and medium-sized businesses will be up and running shortly. The Fed’s Summary of Economic Projections (SEP) indicates a cautious outlook in the near term that may warrant additional stimulus measures, with the gross domestic product projected to fall by 6.5 percent in 2020 before rebounding 5.0 percent in 2021. The Fed’s “dot plot,” which displays members’ expectations for interest rates in coming years, expresses the clear signal that they are unlikely to raise rates through 2022. Chairman Powell noted the viability of Treasury bond yield targeting by the Fed (referred to as yield curve control or yield caps) remains an open question. Japan, and more recently Australia, have implemented yield curve control as a means of keeping longer-term government bond yields low.\nAggressive policy measures from the Fed, European Central Bank, Bank of Japan and others continue to support market liquidity, access to capital and investor confidence for the time being. Acute credit market stresses have subsided relatively quickly, with yield spreads (the difference between corporate bond yields and equivalent Treasuries) compressing from extremes to levels only somewhat above long-term norms and corporate debt issuance breaking records year to date. Strong issuance indicates companies can bridge the gap in damaged operating cash flows with debt issuance to bolster cash balances, at least for now. Most importantly, we continue seeing improvement in the number of COVID-19 cases and a job market that has begun the recovery process as economies reopen.", "domain": "finance"}
{"url": "https://www.chc-capitalfund.org/blog", "date": "2023-12-10T22:33:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102697.89/warc/CC-MAIN-20231210221943-20231211011943-00332.warc.gz", "language_score": 0.9523324370384216, "token_count": 3120, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__248909118", "lang": "en", "text": "Due to high patient demand at its 4725 Market Street location in San Diego, CA, Family Health Centers of San Diego (FHCSD)—one of the 10 largest health centers in the country—has embarked on a $24.6 million building expansion project, called The Diamond II – Family Counseling and Wellness Center. Capital Fund is proud to support this project with an $8 million New Markets Tax Credit (NMTC) allocation.\nIn addition to Capital Fund’s allocation, the project will also be funded through an $11 million NMTC allocation from Civic Communities Partners, Inc., and the health center’s cash on hand.\nThe Diamond II will be a five-story structure with four levels of parking topped by a 20,500-square-foot clinic, which will include a women’s health suite, a physical rehabilitation suite, and a mental health suite. The women’s health suite will consist of 12 exam rooms, two offices for perinatal case management, a fetal non-stress test room, as well as nursing and provider stations. The physical rehabilitation suite will consist of six chiropractic treatment rooms, five sports medicine treatments rooms, a large gym style physical therapy area, and provider stations. The mental health treatment suite will have 22 behavioral health therapy rooms and two behavioral health group treatment rooms.\nThe new clinic will allow FHCSD to increase annual patients by 25%, from 161,436 in 2022 to a projected 201,865 by 2030. Patient visits are also expected to increase by 31%, growing from 1.03 million in 2022 to nearly 1.4 million in 2030. This project will also grow community jobs, increasing FTEs from 2,054 to 2,716 in 2030—a 32% jump.\nThe Diamond II Center will be located in the Diamond I Center’s 85,000-square-foot parking lot. Both clinics will continue to operate upon completion of the Diamond II project, set to open in August 2024.\nAs one of the 10 largest Federally Qualified Health Centers (FQHC) in the United States, FHCSD operates 73 sites across San Diego County along with multiple mobile medical units. For 50 years, FHCSD’s mission has been to provide caring, affordable, high-quality health care and support services to the communities in which they operate. The health center is focused on identifying and improving the impact negative of social drivers of health on communities. This mission has resulted in FHCSD expanding beyond primary health care and into health research, housing, employment training, and job opportunities for its low-income patients and their families.\nFor health centers that prefer to lease solar and battery equipment rather than purchase, please contact Andrew MacCalla, CHARGE partner at Collective Energy, here. Capital Fund will lend Collective Energy the funds to support the purchase of this equipment.\nThe CHARGE Partnership is creating a nationwide resilient power and clean energy program for Federally Qualified Health Centers (FQHCs).\nMotivated by the urgent need to tackle issues at the intersection of health equity, climate change, environmental justice, and financial and operational resiliency, CHARGE is working to create a clean energy solution that will support populations most vulnerable to power outages in areas disproportionately burdened by chronic disease, the impact of poverty, and racial and ethnic health inequities.\nHealthcare Georgia Foundation has awarded Capital Fund a $500,000 Program Related Investment (PRI) to provide affordable loans to Georgia Federally Qualified Health Centers (FQHCs) to support the expansion of primary and preventive care services for low-income, underserved populations in Georgia.\nAs a result of this award, Capital Fund has increased its capacity to offer fixed rate and low-cost, term loans to Georgian FQHCs for facilities construction and equipment projects. These loans will enable FQHCs to efficiently and cost effectively sustain and expand the range of services they provide, including medical, dental, behavioral health, substance use disorder, vision, enabling, and other services designed to promote community wellness.\nIn addition, Healthcare Georgia Foundation has awarded Capital Fund a separate $50,000 grant to support Georgia FQHCs in learning more about capital project financing through trainings, meetings, and site visits. This grant will also support technical assistance offered through our LoanPLUS loan program.\nHealthcare Georgia Foundation is a statewide, charitable organization whose mission is to enable, improve, and advance the health and well-being of all Georgians. For more information, visit healthcaregeorgia.org.\nCapital Fund provided Hudson Headwaters Health Network (HHHN) in Glens Falls, NY, a $5 million NMTC allocation to support their $20 million health center expansion project which just closed financing on May 2, 2023. HHHN's new site will establish a Program of All-Inclusive Care for the Elderly (PACE) facility to serve individuals ages 55 and older with multiple chronic health conditions but who can still live safely in the community.\nThe project includes the construction of a new 17,000-square-foot medical facility as well as a 14,000-square-foot PACE Center. HHHN’s existing clinic, located half a mile from the new sites, will continue to offer urgent care services. The new medical clinic will provide a larger, more comfortable space for patients and providers. The expansion project is expected to increase patients from 118,000 annually in 2022 to 155,500 in 2030, as well as grow visits from nearly 400,000 in 2022 to 525,000 in 2030. The new facilities are slated to be completed in September 2023.\nThe new PACE program will accommodate 80 to 100 participants on any given day and will include multi-purpose space for adult day care with health care and social activities, treatment and therapy rooms, food preparation and dining areas, and administrative offices. Participants in HHHN’s PACE program will receive their health care from a team of health professionals who continually assess, coordinate, and implement required services for each participant. This program, designed to serve the area’s aging and vulnerable patients, will include coverage for at-home skilled nursing care, doctor visits, personal care, physical and occupational therapy, meals, social day programs, prescriptions, specialty medical care, respite care to ease the strain on caregivers, transportation, and nursing home care if necessary.\nIn addition to the NMTC allocation from Capital Fund, this project was also funded through an NMTC allocation from Primary Care Development Corporation (PCDC), a grant from the NY Department of Health, and a cash contribution from HHHN.\nAcross its 21 locations, HHHN offers a full range of services including primary, dental, and mental health. The health center’s first site, in what would later be known as Hudson Headwaters Health Network, opened in Chestertown in 1974. Over the next few years, HHHN expanded to open clinics in Warrensburg, North Creek, and Indian Lake, before these four health centers officially became HHHN in 1981.\nCapital Fund contributed a $6 million NMTC allocation to Fair Haven Community Health Clinic (Fair Haven) in New Haven, CT, for the development of a new and modern 35,560-square-foot facility adjacent to its primary clinic. Fair Haven closed financing on the new space on April 26, 2023, which will allow the health center to expand its medical and behavioral health services, with special focus on pediatric and geriatric care.\nThe $39 million project will expand Fair Haven’s existing clinic, which is currently a set of four Victorian homes built in the 1800s that were renovated into a single health clinic structure. The new facility, which will expand the current health center’s size by 112%, will allow Fair Haven to serve nearly 6,300 more patients annually, growing from 32,000 to 38,000. The new space will allow the health center to expand its medical and behavioral health services, with special focus on pediatric and geriatric care.\nThe clinic will have 45 exam rooms, behavioral health and substance-abuse treatment areas, an in-house pharmacy, a computer room for a digital literacy program, and office and conference space. The project will also expand the parking lot to help meet the acute shortage of off-street parking. The project is expected to be completed by December 2025.\nIn addition to Capital Fund’s NMTC allocation, this project was also funded through a loan from Cambridge Savings Bank and a grant from the American Rescue Plan Act of 2021, as well as NMTC allocations from Urban Research Park CDE, The Community Builders, Massachusetts Housing Investment Corporation, and Capital One Community Renewal Fund.\nFair Haven, an FQHC serving the largely Hispanic neighborhood of New Haven through seven locations, provides care to nearly 32,000 patients annually through 124,000 visits, as well as part-time health care services in 10 local schools. Of the Fair Haven patients who reported their income, 93% are at or below 200% of the Federal Poverty Level. The organization offers a full range of primary medical, dental and behavioral health care, and has a majority minority board of directors.\nCapital Fund recently provided Shasta Community Health Center (SCHC) in Redding, CA, an $11 million New Markets Tax Credit (NMTC) allocation for the construction of a two-story, 31,400-square-foot Women, Babies, and Children Clinic to replace its existing maternity clinic. Our affiliate Capital Link led the financing and closing, which took place on March 28, 2023.\nThe new facility, located across the street from the health centers' main clinic, will replace SCHC’s existing maternity clinic and offer primary care pediatric, maternal, and vision care services. By integrating its maternal care services into its existing campus environment, the project will enable SCHC to allocate 7,400 square-feet of space to administrative services and allow for more efficient and expansive care opportunities.\nThe new clinic will have 24,000 square feet of clinical space, enabling the health center to serve approximately 13,000 patients annually. The project will also move the maternity care closer to the main site, compared to the former site which was 10 blocks from the medical campus. By relocating pediatrics and financial services departments to the new facility, the project will allow for more capacity in the main health center site for additional services and programs.\nIn addition to the $11 million NMTC allocation from Capital Fund, the project also received NMTC allocation from California Statewide Communities Development Corporation, as well as an NMTC allocation from Chase and a bank loan from Cooperative Bank, NA.\nSince opening in 1988, SCHC has provided comprehensive, affordable primary health care, dental care, mental health, and substance abuse services to residents of all incomes in Shasta County and its surrounding communities. Through its seven locations throughout Shasta County, SCHC serves more than 34,000 patients annually, as well as provides care to over 3,200 homeless patients through its HOPE Mobile Health and Street Medicine outreach program.\nOn April 11, 2023, Vice President Kamala Harris and Deputy Secretary of the Treasury Wally Adeyemo announced that the U.S. Department of the Treasury’s Community Development Financial Institutions (CDFI) Fund is awarding more than $1.73 Billion in response to economic impacts caused by the COVID-19 pandemic. We are proud to announce that Capital Fund is among the 603 CDFIs receiving an award. The $2.7M will enable Capital Fund to continue to provide affordable financing and technical assistance to FQHCs. Learn more about the CDFI award here.\nOn Friday, Oct. 28, 2022, the U.S. Department of the Treasury’s Community Development Financial Institutions Fund announced that it awarded $5 billion in New Markets Tax Credit (NMTC) allocations to Community Development Entities to revitalize low-income communities and increase economic opportunity nationwide. We are proud to announce that Community Health Center Capital Fund received a $55 million NMTC allocation.\n107 Community Development Entities were selected for awards from 199 applicants that requested an aggregate total of $14.7 billion in tax credit allocation. Approximately 78% of these NMTC investment proceeds are estimated to be used to finance and support loans to or investments in operating businesses in low-income communities. The award recipients are located in 35 different states and the District of Columbia. Over 20% of the investments will be made in rural communities. These award recipients are estimated to make nearly $1 billion in NMTC investments in non-metropolitan counties.\nCapital Fund recently provided $2 million in financing to San Ysidro Health (SYH) in National City, CA, to support its $52.9 million health center project, which will include the first FQHC PACE (Program of All-Inclusive Care for the Elderly) facility in the city and ultimately reduce barriers to mobility and health care that reduce elderly patients’ quality of life.\nAdditional financing for this project included a source loan from National Cooperative Bank, a direct loan to the Qualified Active Low-Income Community Businesses (QALICB), and a furniture, fixtures and equipment loan. The remaining funds will be provided through New Markets Tax Credit equity as well as cash provided by SYH.\nThe new site is projected to serve over 14,000 patients and generate over 41,000 clinic visits in its first year. Eighty seniors are expected to enroll in the PACE Program in its first year with full enrollment totaling 650 seniors by 2030. Additionally, San Ysidro’s project is expected to create 115 permanent jobs at the new site. Overall, SYH anticipates they will serve over 61,000 additional patients and generate almost 500,000 additional clinic visits while creating over 2,100 new FTEs across all locations by the end of the compliance period.\nThe first floor of the new facility will be dedicated to the PACE services and will include 10 medical exam rooms. The second floor will be an FQHC, providing adult medicine, OB/GYN, pediatrics, dental, behavioral health, chiropractic, diagnostic laboratory, pharmacy medications, diagnostic radiology, social and support services, and eligibility assistance. SYH will also be providing desperately needed dental services as current capacity is far below demand. Additionally, the project will include three levels of below grade parking totaling 88,325 square feet and 267 parking spaces. Construction began in August 2022 and is expected to be completed in April 2024.\nSan Ysidro Health was founded in 1969 by seven mothers, now referred to as the Founding Mothers, in search of medical services for their children. Today, the FQHC has 50 clinic and program sites throughout San Diego County including 24 standalone clinics, five school-based clinics, two mobile clinics, and 10 program sites providing medical, dental, behavioral, and specialty services to almost 100,000 patients through over 230,000 visits. Of SYH patients who reported their income, 95% live at or below 200% of the Federal Poverty Level. Learn more about SYH here >", "domain": "finance"}
{"url": "http://www.landcorp.com.au/our-work/rdap/", "date": "2015-04-19T20:57:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-18/segments/1429246639482.79/warc/CC-MAIN-20150417045719-00209-ip-10-235-10-82.ec2.internal.warc.gz", "language_score": 0.9298814535140991, "token_count": 158, "dump": "CC-MAIN-2015-18", "global_id": "webtext-fineweb__CC-MAIN-2015-18__0__62958394", "lang": "en", "text": "The State Government's Regional Development Assistance Program (RDAP) is helping local authorities to build communities across Western Australia.\nIt was established to address the prohibitive costs sometimes associated with developments in regional WA, which can make them unviable for private developers. In addition, the supply of privately developed land is often limited, or non-existent.\nThrough the RDAP, the State Government provides LandCorp with limited funding to deliver regional projects that are essential to supporting the revitalisation and growth of regional towns and centres. Potential projects are assessed against established criteria outlined in the 2015 submission guide.\nUnder the RDAP, local authorities can apply to LandCorp for assistance to progress potential land development projects in their local government areas.\nClick here for more information and to download an application form", "domain": "finance"}
{"url": "https://www.danforthadvisors.com/resources/danforth-advisors-names-william-tanner-managing-director-of-new-york-metropolitan-region/", "date": "2024-03-03T08:15:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476211.69/warc/CC-MAIN-20240303075134-20240303105134-00706.warc.gz", "language_score": 0.9513784646987915, "token_count": 493, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__138943316", "lang": "en", "text": "WALTHAM, Mass., April 14, 2022 — Danforth Advisors, LLC today announced the appointment of William Tanner, PhD, as Managing Director of the New York metropolitan region, including Connecticut. He will oversee the company’s growth and service to clients within the local life science ecosystem, including strategic advisory and flexible, scalable management of corporate and clinical business functions.\nDr. Tanner brings more than 25 years of experience to the role, combining deeps insights in life science corporate development, capital raising and investment banking. He most recently served as Co-founder and Chief Financial Officer of ImmunoGenesis, a clinical stage immuno-oncology company. He previously spent 20 years as a biotechnology and biopharmaceutical research analyst for leading healthcare investment banks including SG Cowen, Leerink Swann, Lazard Capital Markets, Guggenheim Securities and Vector Securities International. During that time he covered more than 100 companies across all market cap sizes and was involved in raising billions of dollars for public and private companies.\n“We have had an active role in New York’s life science community for the past several years, and we’re excited to reach even more emerging companies under Bill’s leadership,” said Chris Connors, Chief Executive Officer of Danforth. “Particularly now, with an abundance of new companies competing for both funds and talent, we can fill gaps in the region with variable resources across multiple business functions and roles – from financing strategy to human resources infrastructure – all through the lens of life science sector experience.”\n“I have known the Danforth team for years and have admired the unique role they play in helping life science companies run well – a feat in a very dynamic and challenging industry,” said Dr. Tanner. “Having served on both sides as a corporate officer and in investment banking, I understand the financial and operational hurdles that can impede companies’ progress, and I’m looking forward to tackling those challenges for clients with a highly experienced and growing team in and around New York.”\nDr. Tanner holds a PhD in physiology from Texas A&M University and completed post-doctoral training at the Washington University School of Medicine in the Department of Cell Biology and Physiology and in the Department of Pathology, Center for Immunology. He also holds an MBA from the Olin School of Business at Washington University.", "domain": "finance"}
{"url": "https://support.opposuits.com/en-US/when-and-how-will-i-get-my-refund-288186", "date": "2024-04-24T00:28:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818835.29/warc/CC-MAIN-20240423223805-20240424013805-00175.warc.gz", "language_score": 0.9745118021965027, "token_count": 218, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__135527406", "lang": "en", "text": "When and how will I get my refund?Updated 7 months ago\nYour refund will be transferred as soon as we have processed your returned product, for which we will always try our best to do in a timely manner. Depending on the amount of returns that have to be processed at a given time, processing a return can take approximately 4 to 8 business days.\nWhen your return has been processed, you will automatically receive a credit note from us via email. Once we've initiated your refund, these kinds of transactions take a couple of business days to process. It not only has to be processed by us, but also by a ‘payment service provider’ and of course by your own bank.\nYou will always receive your refund through the same payment method you have used to place the original order. Please note that the 'sender' of the refund transaction could also be Adyen, which is our payment provider. In the unlikely event that you still haven't received your refund two weeks after receiving your credit note, please contact our support team so we can investigate this.", "domain": "finance"}
{"url": "http://cohenlawyers.com/debt_settlement.htm", "date": "2013-05-22T23:46:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702525329/warc/CC-MAIN-20130516110845-00099-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9486902356147766, "token_count": 1081, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__57038249", "lang": "en", "text": "What we do:\nAt Cohen & Cohen, P.C., we will act as attorneys and negotiate on your behalf with your creditors with the goal of settling your debt for a reduced amount. We open up a case file and treat it like any other legal matter we handle. We will work with our clients to develop an individual strategy and offer advice along the way. Depending on the clients’ specific requirements, we will draft settlement agreements and releases of liability prior to the disbursement of any funds for settlement purposes. Bottom line, debt settlement is a legal matter and we treat it as one.\nHow we do it:\nWe first meet with our clients face to face in our office for a free initial consultation (arrangements can be made for telephonic meetings for non-Denver Metro clients). If we decide to take your case we will provide a short punch list of information to gather and return to our office. After review, we will then begin crafting a debt settlement strategy and begin settling your debts after you have the opportunity to provide input. We are not so arrogant to assume we can foresee every possible client scenario. After all, the client may have already done some negotiations, may know the contact person, and generally have an idea of the direction and current case posture.\nOur clients are often very surprised at the depth and scope information which is weighed when settling debt. There are so many unique circumstances and considerations which arise unexpectedly or are generally unanticipated. For example, length of the debt, bankruptcy, consumer litigation, availability of funds, timing issues, and so on.\nOne of the things which sets us apart from the traditional debt settlement company is that we are lawyers and we treat your case as such. For some it may be hard to believe, but attorneys have very stringent ethical requirements, especially accounting and bookkeeping, which they are required to adhere to otherwise they face strict discipline including the loss of a law license. Given this we provide a comprehensive debt analysis which includes your legal and non-legal options. For example, we can advise our clients what steps to take in the event litigation is needed. We are comfortable negotiating with law firms (indeed this is oftentimes preferred so we do not have to educate the collectors as to what they can and cannot do per Colorado law).\nWe can advise our clients to take appropriate measures to protect their assets just in case they need to file bankruptcy. Oftentimes we can assist our clients in pre & post-divorce planning and debt negotiations. Moreover we are knowledgeable about consumer litigation which helps us leverage our client’s position. Indeed, sometimes it is not in our clients best interests to settle the debt when litigation is the more appropriate remedy. When we talk bankruptcy or litigation we are not bluffing as we have the means and ability to pursue both.\nWith regards to the funding of the debt settlement, our clients can either provide to us a lump sum or build up a war chest with monthly payments. We hold all of the unearned client money in a trust account until the sooner of the debt settlement, earning our fees, or the client requesting a refund. We even send out a monthly statement of the amount left in the trust account, a description of the services performed that month, and our charges. Once you have accumulated the required amount (depends on each case) then we will begin the debt settlement process.\nOne of the biggest questions we get is, how do you make money? The answer is that our fees are earned on a combination of hourly rate and a percent of what we save our clients. The normal business model for this industry is a straight contingency as a percent of what is saved. The normal sales line is something along the lines of we don’t make money unless we save you money. At first impression this sounds like a good deal, but it has been our experience that it ends up harming the client. The primary reason for this is that some unscrupulous attorneys and non-attorney debt settlement agencies will do as little work possible on your file because they will make more money that way. The result is generally a worse result for the client and negative consequences.\nOur system is set up to balance the two out. We have created a business model where yes, we have an incentive to save our clients as much possible but at the same time if extra work needs to be done to get to that point then we will also have no reason not to perform those services. Thus although we charge less on the savings side of the equation, the result is better for the client and we are still able to operate profitably.\nUltimately, once we have negotiated the debt we will abide by the clients instructions and either require a legally binding settlement agreement (i.e., contract) before re release the funds or other accord and satisfaction. Although nothing is bulletproof (run, don’t walk from those who guarantee results) we will do our best to ensure that the matter is put to rest once and for all and you have legal remedies if the creditor breaches.\nWe encourage you to check out our FAQ section on Attorney Debt Settlement for a list of the common questions and answers.\nTo schedule your initial consultation at our convenient central Denver location call 303-933-4529.\nBruce Robertson Cohen,\nRobertson B. Cohen,", "domain": "finance"}
{"url": "https://www.berkleymed.com/About-Us/Employment-Opportunities", "date": "2020-10-22T12:57:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107879537.28/warc/CC-MAIN-20201022111909-20201022141909-00660.warc.gz", "language_score": 0.8954734206199646, "token_count": 254, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__38172749", "lang": "en", "text": "BerkleyMed is always looking for talented individuals who desire a career in insurance and risk management. Our corporate philosophy and financial success allow us to offer competitive salary and benefit packages.\nIf you are interested in pursuing career opportunities with us, please forward your resume to our Human Resources Department via the following:\nAttn: Human Resources\n16305 Swingley Ridge Rd\nChesterfield, MO 63017\nBerkleyMed offers a competitive compensation and benefits package to meet the diverse needs of our employees and their family members.\nExcellent medical and dental coverage offered for employees and dependents\n401(k) savings plans with profit sharing contribution program\nPre-tax medical and dependent care flexible spending accounts\nLife insurance, short-term, and long-term disability at no cost to the employee\nGenerous Vacation and Sick Leave\nFlextime (with core hours)\nBusiness casual work environment\nEmployee Assistance Program (EAP)\nBerkleyMed is an equal opportunity employer. We are committed to maintaining an environment in which all employees are treated equitably. Our company policy provides for equal opportunity for qualified individuals regardless of race, color, religion, sex, national origin, creed, ancestry, age, marital status, or disability.", "domain": "finance"}
{"url": "https://www.flybmi.com/gender-pay-gap-report", "date": "2018-06-23T05:51:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864943.28/warc/CC-MAIN-20180623054721-20180623074721-00402.warc.gz", "language_score": 0.9556966423988342, "token_count": 202, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__247589610", "lang": "en", "text": "This is flybmi’s first Gender Pay Gap report, based on the new UK gender pay reporting requirements for companies employing over 250 staff.\nThe gender pay gap in flybmi is significantly influenced by the salaries and gender profile of our pilot and engineering teams, who make up 57% of its employees.\nIn common with the rest of the aviation industry, our pilots & engineers are predominately male and their salaries are high in relation to other flybmi employee groups.\nThis increases the gender pay gap at flybmi.\n- Pay data for flybmi employees for the pay period including 05 April 2017 as specified by the UK regulations.\n- Pay calculations are based on FTE adjusted total pay received in the month of April 2017 and includes basic salary, allowances and sector pay net of salary sacrifice amounts that individual employees may elect to make through flybmi’s payroll, such as individual pension contributions.\n- Pay Calculations exclude overtime payments any benefits in kind.", "domain": "finance"}
{"url": "https://www.optitune.com/optitune-successfully-completes-its-5m-crowd-funding-round/", "date": "2024-02-22T04:18:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473690.28/warc/CC-MAIN-20240222030017-20240222060017-00224.warc.gz", "language_score": 0.9398589730262756, "token_count": 668, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__36465570", "lang": "en", "text": "Oulu, Finland: Optitune, one of the world’s most innovative nanocoating companies, based in Oulu Finland and operating globally, has successfully closed its latest growth financing round through Springvest Oyj. Optitune raised the full 5M EUR requested nearly a week before the deadline.\n“We could not be more excited and humbled by the interest of the Finnish public,” says Jody Paulus, Optitune’s CEO. “We have really exciting plans to invest in our capabilities to assist clients with applying our coatings in mass production, which will fuel our growth over the next years”\n“Optitune funding round was built on a clear need for investment to enable the company to continue its fast growth. Investors were interested in growth leap potential, cooperation with the global manufacturers of consumer goods as well as in multiple application areas of Optitune product enabling scaling of business on a high level,” says Päivi Malinen, CEO at Springvest Oyj.\n“Optitune has indeed made several partnerships with well-known, industry-leading brands”, Jody Paulus adds, “Few other coating companies are innovating at the pace and with the successes that Optitune has and with this additional investment we can fast track our road to mass adoption in several industries.”\nOptitune Oy has developed ultra-thin nanocoatings for metal, glass and plastic surfaces based on its proprietary polysiloxane technology. Optitune´s nanocoatings remain invisible to the naked eye, while providing best-in-class performance. The introduction of improved surface solutions in applications such as consumer electronics, home appliances, kitchen sinks and kitchen accessories can significantly increase the life cycle of these products and provide end user with clear values: durability, sustainability, and long-lasting visual beauty.\nOptitune chemists and engineers are a determined team, intent on pushing the boundaries of possibility in terms of light transmission, surface management, and durability. Optitune’s patent-protected product portfolio includes flexible plastic hard coats, metal and glass coatings, light management, and optoelectronics materials. The nano-engineered optical coatings are developed and produced at Optitune’s facility in Oulu, Finland. Optitune’s sales team is located in Asia and Europe. For further information please visit: www.optitune.com\nSpringvest Oy, founded in 2012, is a financier company for Finnish start-up businesses. They are a trusted partner for start-up companies whose products and services make the world a better place. Springvest offers funding and opportunities to invest in unlisted companies that would otherwise be out of reach. Before, investing into promising start-ups was possible only for large capital owners, but since the founding of Springvest, investing into unlisted companies has been made more approachable. Springvest has a success rate of 100 % for its funding rounds, gathering more than 200 MEUR for its partners. For further information please visit: https://www.springvest.fi/\nNovember 21st 2022\nJody Paulus, CEO\nMobile: +358 40 661 4656", "domain": "finance"}
{"url": "https://www.earthianzerowasteshop.co.uk/post/paying-the-living-wage", "date": "2023-12-04T19:23:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100534.18/warc/CC-MAIN-20231204182901-20231204212901-00048.warc.gz", "language_score": 0.9803683161735535, "token_count": 347, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__80994543", "lang": "en", "text": "We are a Living Wage Employer!\nWe are very proud to have been certified as a Living Wage Employer. I wanted to share a short article about why we chose to do this and what it means to pay a real living wage.\nThe news lately has been dominated by rising costs and the fear that many will not be able to make ends meet. Being an ethical business owner isn't just about looking after the planet, it's also about looking after our people and the local community. A significant part of this is paying a fair wage to everyone who works for us.\nThe National Living Wage, set by the government, is different to the Real Living Wage. Paying a Real Living Wage means paying all staff and contractors an hourly rate that is based on the true cost of living, including rent rates, fuel, energy and food. The Living Wage Foundation is an independent organisation which calculates this rate using the latest evidence for how much the necessary things in life actually costs for an average UK family.\nPaying this higher hourly rate to staff obviously helps them greatly. It ensures that they are able to do more than just survive. However, over 20% of families in the UK still don't receive a real living wage, it is a wage that is paid voluntarily and is not yet law.\nSince the Living Wage Foundation was formed great strides have been made in ensuring that people are not exploited. Getting accredited means that we are held to account and must increase our wages in line with the Real Living Wage when this is calculated annually. It also means that we are putting our support and our name to the cause of fair wages for all to help push for this wage to become law.\nThank you for reading!", "domain": "finance"}
{"url": "https://hubentravel.com/travel-insurance/", "date": "2021-12-06T17:02:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363309.86/warc/CC-MAIN-20211206163944-20211206193944-00084.warc.gz", "language_score": 0.9448797106742859, "token_count": 339, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__39647090", "lang": "en", "text": "Having the right insurance gives you the security of knowing that you are covered for those unexpected costs.\nSometimes things don't go to plan. Your car may breakdown or be involved in an accident, which could mean you miss your flight. You could lose your bag, or have money/passports stolen. Worst of all, you could end up having to make an unexpected visit to the hospital. Having the right travel insurance gives you the security of knowing that you are covered for those unexpected costs.\nAt Huben Travel, we believe you should be offered a wide selection of great value travel insurance policies, whether you’re travelling as an individual, a couple or a family. Whilst the choice of travel insurance provider lies with you, we have found that the products offered by First Travel Insurance have been great for our customers.\nFirst Travel Insurance offers policies with no upper age limit for single trips, and up to the age of 79 for annual policies. First Travel Insurance provides cover for many sports and activities, including winter sports and scuba diving. All pre-existing medical conditions are considered.\nIn these unprecedented times. First Travel Insurance now includes enhanced Covid-19 Cover when you take out their Gold Cover, so you can book your holiday with confidence.\nPlease remember, there is no cover on any First Travel Insurance policies if you travel against the Foreign, Commonwealth and Development Office (FCDO), government, local authority or medical advice.\nThis insurance is provided by First Travel Insurance, which is a trading name of Rush Insurance Services Limited, who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385) and permitted to arrange general insurance contracts.", "domain": "finance"}
{"url": "http://heatoncpa.net/", "date": "2018-10-22T13:47:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583515088.88/warc/CC-MAIN-20181022134402-20181022155902-00268.warc.gz", "language_score": 0.9097694158554077, "token_count": 171, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__51238297", "lang": "en", "text": "Please make a note of our new address:\n5700 Broadmoor, Suite 505, Mission,\nPhone: 913.831.0567 / Fax: 913.432.3754 / email@example.com\nServing the Greater Kansas City area for over 20 years,\nPamela K, Heaton CPA LLC is a tax and accounting firm located in Mission, Kansas. Focusing on small\nbusiness and individual tax accounting and consulting, Pamela provides the highest quality of service at an exceptional value.\nHer expertise in financial accounting and reporting, tax planning and return preparation, as well as QuickBooks consulting\nmake her an excellent choice for your small business and personal accounting needs.\nLocated in Mission, Kansas, our office is easily accessible from most parts of the greater metropolitan area.", "domain": "finance"}
{"url": "https://wisepoint.org/2960", "date": "2023-09-21T23:08:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506045.12/warc/CC-MAIN-20230921210007-20230922000007-00850.warc.gz", "language_score": 0.9661237597465515, "token_count": 549, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__214476067", "lang": "en", "text": "Some market watchers believe interest rates will fall because the Bank of England will be forced to stimulate the economy in the event of a leave vote. Economists at JP Morgan forecast borrowing costs could fall to zero by August if there is a vote to leave. In the run-up to the vote, five- and 10-year fixed-rate mortgages have been at their lowest ever level. This is because government bonds are seeing a drop in yields – or the interest rate they pay out to investors – as the City searches for havens for its cash in the event of a leave vote. If bonds become a hot ticket among investors and rise in price, then yields fall.\nRay Boulger, of mortgage brokers John Charcol, said the decline in yields has yet to be passed on fully so a remain vote should not necessarily lead to a sharp increase in mortgage rates. A vote to leave could cause the pound to plummet. In February, investment bank Goldman Sachs claimed the value of sterling could fall by up to 20%.\nIf such predictions are correct, holidaymakers heading to Spain and other eurozone countries might find the pound has less spending power than it did last summer. Last August £1 bought about €1.42; on Monday it was about €1.29, though that’s better than €1.26 last week. Anyone worried about the pound plunging, can buy currency now or load money on to a prepaid currency card. Money in bank accounts, savings accounts and cash Isas is protected up to the value of £75,000 by an EU directive. There is no need to withdraw cash from any bank or building society covered by this deposit guarantee, whereas cash stored under the mattress is rarely insured.\nThe Bank of England is likely to enter the market to provide liquidity – making sure banks have enough cash – if an exit vote prompts market mayhem and investors attempt to pull cash out of the UK. Indeed, the bank has been offering money to institutions via three pre-announced money market operations, where funds are offered to UK banks.\nA range of organisations have predicted a Brexit vote would lead to a fall in property prices, and there is anecdotal evidence that many buyers and sellers have put their plans on hold until Friday at least. Some property websites has warned that Brexit would reverse the gains in house prices made over the past five years, citing Treasury research.\nFor investors looking to make money out of property, this will be bad news. But home buyers should look to the longer term. UK house building is not keeping up with demand, and unless mortgage rates rocket, that could mean upwards pressure on prices resumes once the dust has settled. Source: theguardian.com, Jun 22, 2016", "domain": "finance"}
{"url": "http://www.agentbenedict.com/testimonial/katie-and-mark-s/", "date": "2019-06-18T07:00:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998690.87/warc/CC-MAIN-20190618063322-20190618085322-00436.warc.gz", "language_score": 0.9897416830062866, "token_count": 260, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__119311440", "lang": "en", "text": "When we first met with Adam we only had an approximate price point and a rough idea of desirable neighborhoods (northern suburbs). Adam prompted us to think about what was important for our search (old vs new construction, central air, lot size) and helped us create a personalized MLS search. From there we simply ranked properties and contacted Adam when we had a few we wanted to see. Adam was very knowledgeable about all aspects of buying a home. He was never pushy and knew a staggering amount about the neighborhoods (school districts etc) and the homes themselves. He was even able to give us rough cost estimates for upgrades we were considering for each property. His expertise was particularly valuable when it came time to make an offer. We found a home we loved listed around 250,000. We were ready to pay full price based on our limited knowledge of home values in the neighborhood. Adam did his own appraisal of the property and recommended we not pay more than 225,000 based on current market value. He helped us make an offer and negotiated a sale under his suggested price cap. We felt very fortunate to have an agent who was thinking about our long-term financial investment rather than his commission. The entire process was completely seamless. We will continue to use Adam indefinitely and would recommend him without reservation.", "domain": "finance"}
{"url": "http://artoflife.tipsfusion.com/technology/ios-users-spend-more-on-apps/", "date": "2020-01-27T21:20:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579251728207.68/warc/CC-MAIN-20200127205148-20200127235148-00087.warc.gz", "language_score": 0.9478140473365784, "token_count": 266, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__134252770", "lang": "en", "text": "Whether you love them or hate them, in-app purchases aren’t going away anytime soon. In fact, they’re likely to grow even more prevalent as developers realize the potential to make serious money by employing them. Essentially, it’s a case of drawing people in with a free app, before hitting them where it hurts… in the pocket.\nAppsFlyer recently published a breakdown of spending on in-app purchases across various metrics, and the results are extremely interesting. And it all starts with the finding that iOS users “spend two and half times more than Android users a month per app across verticals and regions”. This, Business Insider concludes, shows that “iOS users are less price-sensitive than Android users”.\nThe report also finds that Asian users spend more than any other group, an average of $0.70 per month per app. However, if North American users do commit to an in-app purchase they commit fully, spending an average of $43 compared to the $11 spent by the average Asian user. Latin American users, meanwhile, don’t spend much on average, but a small number of users (referred to as “whales”) are spending vast sums every month. So now you know.", "domain": "finance"}
{"url": "https://dailyhomeideas.com/pittsburgh-home-buyers-your-path-to-a-stress-free-home-sale.html", "date": "2023-09-30T07:00:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510603.89/warc/CC-MAIN-20230930050118-20230930080118-00854.warc.gz", "language_score": 0.9153391122817993, "token_count": 895, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__215183401", "lang": "en", "text": "Selling a home can often be a challenging and stress-inducing process. From preparing the property for sale to dealing with negotiations and the closing, the traditional real estate journey can be overwhelming. Fortunately, Pittsburgh Home Buyers offers an alternative path to homeowners in the Pittsburgh area, promising a smooth and stress-free home sale experience. In this article, we’ll delve into the world of Pittsburgh Home Buyers and explore how they simplify the process of selling your home.\nThe Traditional Home Selling Process\nThe conventional method of selling a home typically involves several intricate steps, including:\n- Preparation: Getting your home ready for sale may require repairs, renovations, and staging, which can be time-consuming and costly.\n- Listing: Finding the right real estate agent, determining the appropriate listing price, and creating marketing materials are crucial steps in the process.\n- Showings: Once your home is listed, you’ll need to accommodate showings, which can disrupt your daily life and schedule.\n- Negotiations: Offers may come in with various terms and conditions, leading to negotiations that can take time and effort.\n- Inspections and Appraisals: The buyer’s inspections and appraisals can introduce further delays and complications.\n- Closing: Finally, you’ll reach the closing table, but even this phase can be subject to delays due to financing issues or unexpected hurdles.\nPittsburgh Home Buyers: A Simpler Approach\nPittsburgh Home Buyers offers a refreshingly straightforward alternative. Here’s why their approach stands out:\n- Quick and Hassle-Free Transactions\nOne of the primary benefits of Pittsburgh Home Buyers is the speed and simplicity they bring to the home selling process. They specialize in quick transactions, often allowing you to sell your home within days or weeks, rather than months.\n- No Need for Repairs or Renovations\nUnlike the traditional process, Pittsburgh Home Buyers purchases homes in their current condition. You don’t have to worry about making costly repairs or renovations to make your property market-ready.\n- Eliminate Showings and Open Houses\nWith Pittsburgh Home Buyers, there’s no need to stage your home for showings or open houses. You won’t have strangers walking through your home, disrupting your daily life.\n- No Commissions or Fees\nSelling your home through a real estate agent typically involves paying commissions and fees. Pittsburgh Home Buyers eliminates these costs, ensuring that you receive the full offer amount.\n- Streamlined Process\nPittsburgh Home Buyers simplifies the transaction process. They provide fair cash offers, handle the paperwork, and ensure a smooth and efficient sale from start to finish.\n- Cash Offers\nTrue to their name, Pittsburgh Home Buyers provides cash offers for your property. This can be particularly advantageous if you need to sell quickly due to financial constraints or other reasons.\nWho Benefits from Pittsburgh Home Buyers?\nPittsburgh Home Buyers offers a solution for various situations:\n- Homeowners Facing Foreclosure: If you’re at risk of foreclosure, a quick sale can help you avoid the financial and emotional toll of losing your property.\n- Owners of Inherited Properties: Inherited properties can be a burden, especially if you live far away. Pittsburgh Home Buyers can provide a hassle-free way to sell these homes.\n- Homeowners in Need of Quick Sales: Whether you’re relocating for work, going through a divorce, or facing unexpected financial challenges, Home Buyers can provide a rapid solution.\n- Owners of Problematic Properties: If your home has structural issues or needs extensive repairs, Pittsburgh Home Buyers can offer an exit strategy without the need for costly fixes.\nConclusion: A Stress-Free Home Sale Awaits\nPittsburgh Home Buyers is revolutionizing the way homeowners approach the sale of their properties. With a commitment to simplicity, speed, and fairness, they offer an attractive alternative to the traditional real estate market. If you’re seeking a stress-free and efficient way to sell your home in Pittsburgh, Pittsburgh Home Buyers provides a straightforward path to closing the deal and moving on with your life. Say goodbye to the complexities of showings, negotiations, and delays, and say hello to a simpler, more efficient way to sell your home.", "domain": "finance"}
{"url": "https://royalascotcc.com/2015/02/28/the-easy-way-to-help-raise-money-for-the-club/", "date": "2023-06-01T01:59:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647525.11/warc/CC-MAIN-20230601010402-20230601040402-00048.warc.gz", "language_score": 0.8834968209266663, "token_count": 300, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__171521521", "lang": "en", "text": "We’re focusing on fundraising for the new Clubhouse Project and found a great way to raise money for free, simply by shopping online through a website – www.easyfundraising.org.uk\nWhenever you buy anything online you can make a free donation for the RACC Clubhouse Project.\nThere are over 2,700 retailers registered with the site, including Amazon, John Lewis, eBay and Tesco who will donate a percentage of what you spend to RACC Clubhouse Project to say thank you for shopping with them.\nIt only takes 3 easy steps & costs you nothing:\n1. Go to www.easyfundraising.org.uk/causes/raccclubhouseproject\n2. Sign up for free\n3. Get shopping and your donation will be sent to Royal Ascot Cricket Club. It couldn’t be easier!\nAlso if you have your own business then you can also make business purchases (e.g. stationary, travel, energy, telecoms, computers, web hosting) through easyfundraising.org.uk and get cash rewards paid to the RACC Clubhouse Project\nPlease encourage all your family and any friends interested in the cricket club to sign up to easyfundraising.org.uk for the RACC Clubhouse Project rewards.\nIf you have any questions about the club’s tie up with easyfundraising.org.uk then please email firstname.lastname@example.org", "domain": "finance"}
{"url": "https://www.ehnwhiterock.com/admissions/", "date": "2020-05-29T09:00:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347402885.41/warc/CC-MAIN-20200529085930-20200529115930-00499.warc.gz", "language_score": 0.9438259601593018, "token_count": 737, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__50593190", "lang": "en", "text": "Call us now to start your recovery at Whiterock!\nOne Year Free Aftercare\nAt Whiterock, we realize that aftercare is critical for successful long-term recovery. That’s why one year free aftercare is included in the price of our residential treatment programs, for all patients who complete treatment. We also provide the option of online aftercare through our Wagon Online Outpatient Clinic.\nWe’re Currently Accepting New Patients\nThe admissions process begins when you call us and begin a confidential conversation with one of our admissions specialists—you can call anytime, day or night. We start by getting to know the patient by asking a number of questions to understand their situation, including clinical and medical needs. The initial phone conversation to gather this information will take about 20 minutes and may be with the patient, a family member, or a referring person. If Whiterock is the right place for the patient, admission can be scheduled as early as the same day. We try to ensure that people start treatment as soon as possible.\nCosts and Payment for Private Detox and Drug Rehab\nWhiterock is a private detox and drug rehab facility and we do not accept coverage from the provincial health insurance plan. The cost of private detox and drug rehab will vary based on the patient’s needs and length of stay in the Program. All services offered at Whiterock are at the patient’s discretion.\nMany employee benefit plans cover EHN Canada’s residential treatment programs for alcohol and drug addiction. Call us now at 1-888-767-3955 and tell us the name of your employer and your insurance provider—we’ll help you figure out if you’re covered!\nFinancing for Private Detox and Drug Rehab\nPaying for detox and addiction treatment can seem overwhelming. However, you have a number of different options for financing if you don’t have the money and your insurance coverage is insufficient.\nFinancing options include the following:\n- Specialized loan: EHN Canada has partnered with PayPright to offer loan packages to help people pay for our treatment programs. They have lower interest rates than most credit cards and healthcare cards. Please visit PayBright’s website for more information.\n- Home equity loan: if you have a home to offer as collateral, you may want to consider getting a home equity loan. They have lower interest rates than personal loans.\n- Personal savings: you may want to think about using your personal savings instead of opening a credit card or getting a loan.\n- Healthcare credit card: some credit card companies offer specialized healthcare cards with lower interest rates than standard credit cards.\n- Payment plan or sliding scale: many recovery programs understand the hardship of paying for treatment and will create an individualized payment plan based on what people can realistically afford.\n- Crowdfunding: you can create a campaign on crowdfunding websites, such as GoFundMe, in a few easy clicks and share it with friends and family to raise money for your treatment.\nCall Us Now!\nIf you would like to learn more about the treatment programs offered at Whiterock, or if you would like to enrol, please call us at 1-888-767-3955. Our phone lines are open 24/7—so you can call us anytime.\nPlease call us at one of the numbers below, or e-mail us, if you’d like to enrol in one of our programs or if you’d like more information.\nsend us a message\nContact us and we will happily respond", "domain": "finance"}
{"url": "http://www.thecountryvibe.com/blog/brad-paisley-puts-los-angeles-home-on-the-market/", "date": "2016-05-24T21:33:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-22/segments/1464049273667.68/warc/CC-MAIN-20160524002113-00202-ip-10-185-217-139.ec2.internal.warc.gz", "language_score": 0.9664235711097717, "token_count": 133, "dump": "CC-MAIN-2016-22", "global_id": "webtext-fineweb__CC-MAIN-2016-22__0__16261792", "lang": "en", "text": "Brad Paisley is the latest country star hoping to off load some real estate. According to the Los Angeles Times, he and his wife Kimberly are selling their Los Angeles home for just under $3 million. The four bedroom, three bath house is actually located in Pacific Palisades, which is just west of L.A. along the coast near Santa Monica. The house is almost 3,400 square feet and it features a detached garage with a bonus room and citrus trees in the lawn. If they get the asking price for the home, it will mean a nice profit for the couple who paid $1.644 million for the property back in 2004.", "domain": "finance"}
{"url": "https://www.dancetheatreartsacademy.co.uk/class-fees", "date": "2022-01-24T13:12:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304570.90/warc/CC-MAIN-20220124124654-20220124154654-00102.warc.gz", "language_score": 0.9206036329269409, "token_count": 121, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__230303419", "lang": "en", "text": "JUNIOR & MIDDLE CLASS FEES – 2021-22\nAll fees are paid monthly via Direct Debit as follows:\n45 minute class = £18.50 per month 60 minute class = £25.00 per month\nA 10% discount is offered to all students who take 3 or 4 classes per week.\nA 15% discount is offered to all students who take 5 classes or more per week.\nWe also offer a 10% sibling discount to all children in the same family if they do not qualify for other discounts.", "domain": "finance"}
{"url": "https://www.scotsphil.org.uk/conference-support/", "date": "2019-07-20T09:22:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195526506.44/warc/CC-MAIN-20190720091347-20190720113347-00158.warc.gz", "language_score": 0.949613630771637, "token_count": 660, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__66545390", "lang": "en", "text": "Income from sales of the Philosophical Quarterly enables the SPA to offer grants to support philosophy events organised in Scotland, including conferences and workshops, reading parties, and public lectures (lectures for primarily non-academic audiences). We offer grants:\n- of up to £1,000 for one-day events\n- of up to £1,500 for all other events.\nHowever, in exceptional cases, and only when the need and justification for such additional funding is clear, the SPA can provide grants of up to £2,500.\nThe SPA normally will not support individual talks to academic audiences (i.e., academic research events that are not plausibly “workshops” or “conferences”); however, in exceptional circumstances, and only when the need and justification for such funding is clear, the SPA may support such talks.\nSome guidelines for applications:\n- Application budgets are normally expected to show other sources of income (e.g. support from the department hosting the event).\n- SPA conference grants normally take the form of a guarantee against losses.\n- SPA conference grants are normally made for events being held in Scotland.\n- Events to be supported by the SPA are normally open to all SPA members and to all philosophy students in Scotland.\n- The SPA expects that applicants will have given proper consideration to gender balance amongst the participants (speakers, commentators, chairs) in the planning of events. The SPA also expects that applicants give consideration to accessibility in the planning of their events, and asks applicants to note reasonable efforts made in this regard. (See suggested guidelines here.)\n- Up to an additional £500 (guarantee against losses) is available for conference organizers to make free child care available to conference participants and delegates.\nApplications should include (in this order):\n- A description of the event (1-2 pages), including a brief explanation in their application if their proposed event is an exception to the norms and expectations described above.\n- A proposed budget (1-2 pages), showing expenditure and other sources of income. This should include a breakdown of costs. In the case of lunches/dinners and refreshments, it should include the number of persons covered by the expense (so we can see cost per person), and a description of who is to be covered (conference organizers, speakers, other attendees?). Note: In cases of requests involving expenses for non-speakers, the SPA typically sets a higher bar for funding, and expects that organizers will have given special consideration to cost-effectiveness, and whether the expenses are necessary for the success of the given event.\nDecisions about conference grants are made by the SPA Committee. Applications can be made at any time, and should be sent to the Secretary at firstname.lastname@example.org. Because funding is limited each academic year, it makes sense to apply as early as possible.\nSupported conferences should acknowledge the financial support of the SPA on all the publicity announcing the event. SPA logos can be downloaded here: round-black, round-white-1, round-white-2, round-invert, horizontal-black, horizontal-white.", "domain": "finance"}
{"url": "https://eurocasinosites.com/casino-payment/", "date": "2023-12-03T07:26:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100489.16/warc/CC-MAIN-20231203062445-20231203092445-00403.warc.gz", "language_score": 0.9372879862785339, "token_count": 2208, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__219104764", "lang": "en", "text": "When you play at European Online Casinos, you have two options – either play for fun or play with real money. If you choose the latter, you don’t need to make a deposit or add a payment method to your account page. On the other hand, if you decide to play for real money, you have dozens of options before you.\nPayments have evolved a lot since the golden days of Las Vegas. You don’t need to buy coins anymore and feed a machine to start playing. Well, you do, but in a virtual setting and in a completely different way.\nPayments have gone digital and include everything from credit and debit cards to e-wallets and cryptocurrency where you store your money online. e-Wallets are by far the most popular option for most players, giving you a chance to pay on the go easily and quickly.\nThey can be used for both deposits and withdrawals. Widely considered just as safe as credit and debit cards, e-wallets can be used much easier. You can fund them with other e-wallets and via credit & debit cards, making them as flexible as they can be.\nThe biggest advantage is that they’re all online. You fund them electronically by sending money from other payment options and transfer them to casinos in the same way. There are no banks playing the role of a middle man and no obstacles to make deposits and withdrawals easily. They’re the payment method of a new era, and the most popular option for most European players.\nThis offer is only available for first time depositors. Excl. new players in N.I. Min deposit is £10. 50 Free Spins on Book of Dead. Spin Value: £0.10. After your first deposit you may claim your 30 Extra Free Spins by visiting the Kicker Section. No min withdrawal. This offer cannot be used in conjunction with any other offer. Full T&C's Apply\n18+ New Players Only. Min. Wagering Requirement. Valid until Further Notice. Full T&C's Apply\nThe Future of Fast and Secure Online Gambling\nIn the ever-evolving world of online gambling, one of the most sought-after features is the ability to receive instant payouts. Traditional online casinos often come with delays in processing withdrawals, leaving players waiting for days or even weeks to access their winnings. However, the advent of instant pay casino sites has revolutionized the industry by offering swift and hassle-free withdrawals, providing players with an enhanced gaming experience. In this article, we will explore the concept of instant pay casino sites, their benefits, and the key factors to consider when choosing a platform.\nWhat are Instant Pay Casino Sites? Instant Pay Casino Sites, also known as Instant Withdrawal Casinos, are online gambling platforms that prioritize the rapid processing of player withdrawals. These sites utilize advanced payment systems and technologies to ensure that players receive their winnings within minutes or hours, rather than enduring prolonged waiting periods.\nBenefits of Instant Pay Casino Sites\nSpeedy Withdrawals: The primary advantage of instant pay casino sites is the promptness with which players can access their winnings. Unlike traditional casinos that may take days or even weeks to process withdrawals, instant pay sites utilize efficient payment methods to provide swift transactions, enabling players to enjoy their funds almost immediately.\nEnhanced Convenience: Instant pay casino sites cater to the modern player’s desire for convenience. By eliminating lengthy withdrawal procedures, these platforms allow players to manage their funds efficiently, offering a seamless and hassle-free gaming experience.\nTrust and Security: Instant pay casinos often employ cutting-edge encryption technologies and stringent security measures to safeguard players’ financial information. With fast withdrawals, players can have peace of mind knowing that their funds are handled securely and promptly.\nIncreased Player Satisfaction: The instant gratification offered by instant pay casino sites enhances player satisfaction and overall enjoyment. Being able to withdraw and access winnings instantly boosts players’ confidence in the casino, leading to a more positive and engaging gambling experience.\nKey Factors to Consider:\nPayment Methods: Instant pay casino sites usually offer a variety of payment options to facilitate swift withdrawals. Look for platforms that support e-wallets, such as PayPal, Neteller, or Skrill, as these tend to provide the fastest payout processing times.\nReputation and Licensing: Prioritize licensed and regulated instant pay casinos to ensure fair play and reliable operations. Trusted regulatory bodies, such as the UK Gambling Commission or the Malta Gaming Authority, provide oversight and ensure that casinos adhere to industry standards.\nTerms and Conditions: Carefully review the terms and conditions related to withdrawals, including any fees or limitations imposed by the casino. Some platforms may have minimum withdrawal amounts or impose charges for instant withdrawals, so it’s essential to be aware of these factors.\nCustomer Support: Opt for instant pay casino sites that offer responsive and reliable customer support. In case of any issues or questions regarding withdrawals, having access to efficient customer service can make a significant difference in resolving concerns promptly.\nHow to Deposit and Withdraw at Online Casinos\nThe process of depositing and withdrawing at Online Casinos may vary slightly depending on the specific casino and the payment methods available. However, we can provide you with a general overview of how these processes typically work. Here’s a step-by-step guide:\nDepositing at an Online Casino:\nCreate an account: Sign up and create an account at your chosen online casino. You’ll typically need to provide some personal information and create login credentials.\nAccess the cashier/banking section: Once you’re logged in, find the cashier or banking section of the casino website. It’s usually located in a prominent place, such as the main menu.\nChoose a deposit method: Select a deposit method that suits your preferences. Online casinos offer various options, including credit/debit cards, e-wallets (such as PayPal, Skrill, or Neteller), bank transfers, and prepaid cards. Make sure to check the available methods and any associated fees or limits.\nEnter deposit amount: Specify the amount you wish to deposit into your casino account. Take note of any minimum or maximum limits imposed by the casino or payment provider.\nProvide payment details: Depending on the chosen method, you’ll need to enter the required payment details. This may include credit card information, e-wallet account details, or bank account information. Follow the instructions provided by the casino and ensure the information is accurate.\nConfirm and process the deposit: Review the transaction details and confirm the deposit. The casino will usually process the transaction instantly, and the deposited funds should be available in your account shortly.\nWithdrawing from an Online Casino:\nGo to the cashier/banking section: Access the cashier or banking section of the online casino, similar to the deposit process.\nSelect the withdrawal option: Look for the withdrawal or cash-out option. Online casinos typically have specific rules and requirements for withdrawals, so familiarize yourself with their policies. Pay attention to minimum withdrawal amounts and any potential fees.\nChoose a withdrawal method: Select a withdrawal method that suits your needs. Often, casinos prefer to process withdrawals using the same method used for deposits. However, this may vary, so check the available options.\nEnter withdrawal amount: Specify the amount you want to withdraw from your casino account, ensuring it is within the allowed limits.\nProvide any necessary details: Depending on the chosen withdrawal method, you may need to provide additional information, such as your bank account details or e-wallet account information. Follow the instructions provided by the casino and ensure accuracy.\nConfirm and process the withdrawal: Review the withdrawal details and confirm the transaction. Online casinos typically have a processing period during which they verify the withdrawal request. This timeframe can vary depending on the casino and payment method chosen. Once the withdrawal is approved, the funds will be transferred to your selected account.\nRemember to review the terms and conditions, as well as any specific policies regarding deposits and withdrawals, for each online casino you use. Additionally, if you encounter any issues or have questions, it’s best to contact the casino’s customer support for assistance.\nEuropean Casino Sites have emerged as a game-changer in the online gambling industry, offering players fast, secure, and convenient withdrawal options. With their emphasis on swift payouts, these platforms enhance player satisfaction, trust, and overall gaming experience.\nWhen choosing an instant pay casino, it is crucial to consider factors such as supported payment methods, licensing, terms and conditions, and customer support. By selecting a reputable platform that meets your preferences, you can enjoy seamless and rewarding online gambling, where your winnings are just a few clicks away.\nEasy to use;\nCan be funded via different options;\n100% safe and sound;\nApps enable quick on-the-go payments.\nNot all players are comfortable keeping their money online;\nSome e-wallets incur fees.\nYes, you can. Visa and Mastercard are two top options to use at European Casino Sites. However, e-wallets are much more flexible, can be funded via said debit/credit cards, and are not related to banks like plastic.\nYes, you can. Online banking is fast for deposits and as safe as it gets. However, withdrawals are noticeably slower, which is a major negative point when compared to e-wallets.\nThere are dozens of options to choose from, but Neteller,Skrill, and PayPal seem to be the most popular. Availability varies per country, so you should check which e-wallets are available at yours.\nYes, they are. Most will need you to create an account, after which you can freely fund them with credit cards, other e-wallets, and online banking solutions too.\nThe best European Casino Sites won’t charge a cent on transactions. As for e-wallets, some may charge a small amount, but you have the freedom to pick ones that don’t.\nYes, you can. That’s why they’re so popular – they work both ways. Withdrawals are faster than, say, online banking, making them a perfect choice for most players.\nNot all e-wallets will be eligible for bonuses. Neteller and Skrill are often on the excluded list of options, which means you can’t claim some casino bonuses by making a deposit with these e-wallets.\nThe top casinos will approve withdrawals in 0-24 hours. But, on average, you’ll have to wait for a few days to get your money.", "domain": "finance"}
{"url": "https://pdf2wordcn.info/211702128-personal-financial-planning-manual-2013-14-by-rsm-tenon.html", "date": "2019-02-21T06:36:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247500089.84/warc/CC-MAIN-20190221051342-20190221073342-00516.warc.gz", "language_score": 0.9041910171508789, "token_count": 184, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__238836479", "lang": "en", "text": "This comprehensively updated edition is an invaluable reference guide to creating coherent tax-efficient personal financial plans in the UK. Offering unrivaled personal financial expertise and know-how, this well-respected annual is an essential source of reference and advice to both professional advisers and individuals keen to exercise greater control over their financial affairs. The book is quick and easy to use. Complex UK tax rules and regulations are clearly explained, ensuring the reader can confidently create a tax-efficient financial plan no matter how experienced they are on this subject. Each section has a contents list for easy reference, a detailed introduction, and clearly presented 'boxed' tables for each product, enabling quick identification of the answers to financial planning queries. Whether dealing with investments, pensions, life assurance, mortgages, income tax, capital gains tax, inheritance tax, or family finances, this book will be the definitive guide to all aspects of UK financial planning.", "domain": "finance"}
{"url": "https://www.dakotacollege.edu/explore-dcb/farm-management-education-program", "date": "2024-02-29T15:08:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474843.87/warc/CC-MAIN-20240229134901-20240229164901-00785.warc.gz", "language_score": 0.9461315870285034, "token_count": 1623, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__3457557", "lang": "en", "text": "Farming and ranching is a way of life. Farm management is a business.\nThe Farm Management Education Program is a Career and Technical Education (CTE) program which provides a practical study of the farming business for families currently engaged in managing their farms or ranches. This course provides training in computerized record keeping programs which will in return help the farm family organize an accurate record keeping system. Enrollees will learn to analyze their records and determine the financial strengths and weaknesses of their farm business as well as each of their farm enterprises. Content deals with the farmer’s own financial information, which remains confidential. Farmers and ranchers will learn how to prepare financial statements and use them in day-to-day management. All analyses and income statements will be completed on an accrual basis.\nYou may enroll in this program at any time. You’ll work one-on-one with your instructor for a personalized learning experience tailored to your farm or ranch.\nOur mission: To provide lifelong learning opportunities in economic and financial management for families and individuals involved in the farming and ranching business.\nBenefits of the program\n- Set up and maintain an accurate farm record-keeping system\n- Prepare a balance sheet and cash flow projections\n- Prepare financial statements for use with lenders and tax preparers\n- A long-term computerized record of the performance of the all the aspects of your farm or ranch: types of crops, yields, livestock, sales, profits/losses, expenses, etc.\n- Ability to compare year-to-year performance\n- Ability to compare your performance to other farms using regional data\n- Understanding the strengths and weaknesses of your farming operation\n- Ability to adjust your farm’s business strategy based on solid data\nFarmers and ranchers need to make a lot of decisions about crops, livestock, budgets, and expenditures. The Farm Management Education Program teaches you how to gather data and develop the skills you need to make those decisions with confidence. Don’t just farm your farm. Manage it to maximize profitability and make the most of your farm’s potential.\nA student must be actively engaged in farming or a beginning farmer to enroll. All types of farms are eligible. Students may enroll in up to two semesters per year. The course is repeatable. Throughout the course, students will be using their own farm’s financial information, which will remain confidential. The information will be used anonymously in local, regional and state databases.\nFrequently Asked Questions\nHow do I enroll?\nEnrollment in the program involves registering for a class with a one-on-one instructor at Dakota College at Bottineau. Contact an instructor from your area and they will guide you through the process of filling out a few simple forms.\nWhat will it cost me to enroll?\nThe tuition is currently $374.08/semester or a total of $748.16 per year.\nI don’t want my financial information made public. Should I be concerned?\nThere is no need for concern in sharing information. All information and data collected is completely confidential. We will establish a relationship with your lender so information can be shared. Your analysis will be submitted for the purpose of publishing state and regional averages but will only be used as part of a group average.\nIs there assistance available for paying tuition?\nWe have a limited number of grants/scholarships that are distributed where there is a genuine need.\nIsn’t the farm management program for beginning farmers/ranchers and those with financial difficulties?\nOur program has great value to all ages and situations. We have students from ages 18 to 70 and from 1st year farms to well-established operations. It is all about understanding your farm’s financial situation and performance and to help you make better decisions.\nAre group classes held?\nRegular group classes are not held but there may be special group presentations from time to time which are optional to attend.\nWhat is the time commitment that is required of me?\nThe time you put into the program will determine how much you get out of it. At a minimum you will be expected to keep a complete set of financial and production records suitable to complete a whole farm analysis. Three to five visits a year are typical but new students may meet monthly. Long-term students may meet less often. Each student’s needs are different.\nDo I need to be proficient with computers?\nYou do not need to be proficient with a computer to take the course. Although learning to use a computerized accounting program is the most common task for first-year students and will ultimately prove to be a time saver it is not a requirement. Our instructors can guide you through the process of learning a new computer program. We have many valuable and time-saving tools and spreadsheets that farmers come to rely on so we do encourage learning how to use them.\nI already use a computerized accounting program. Will I have to switch?\nYou will not need to switch accounting systems. Although each instructor has their preferred accounting program it is your choice. We will make recommendations if you are choosing a program or looking to switch. We can do a better job of answering questions and solving problems if we are familiar with the program. The only requirement is that you have accurate, reliable numbers to work with at the end of the year.\nHere’s what farmers are saying about the benefits of this program\n“I appreciate the Farm Management Education Program. I like looking at how my numbers are trending from previous years. The program gives me the opportunity to go over my year end numbers on an accrual basis and to see how my numbers stack up to other farmers in the area.”\nBryan A., Bowbells, ND\n“I am a beginning farmer/rancher that got involved with the Farm Management Education Program after receiving an FSA loan. This program has been so beneficial to me, I am able to provide my bank and other financial institutions with documentation of whatever means of my operation they need whether it’s financially, herd amounts, or previous years history. Lynsey is great at her job and goes up and beyond the call of duty to help make things easier for us whether it’s planning to buy land, creating cash flows for the bank, or figuring out any problems you may have with easy farm – she guides you through every step. I have benefited in many ways and I know that I would not have the records I have for my business without this class.”\nCostas K., Plaza, ND\n“Our family has been in the Farm Management Education Program in Bottineau since the first year it started, and it has always been an important part of our farm. From budgeting to the year-end analysis they have been an invaluable partner to the success of our farming operation. They are also a valuable resource for benchmark analysis so we can compare our financials to other farmers in our area to see what we are doing well and where improvements can be made.”\nBen T., Bottineau, ND\n“The Farm Management Education Program shares its benefits not only with the producer but with their Ag lender. I myself can attest to how much quicker and easier my job is made when I have customers that work with this program. The packet that is derived allows me to accurately and efficiently originate my presentation to my lending committee in a timely matter. This in turn allows me to get an answer to the customer sooner and gives them peace of mind that they know that everything they give to the lender is correct. By knowing that my customer has a better grasp on their financial scope, I gain a peace of mind that they fully understand their situation from both my eyes and theirs.”\nJacob Fannik, Ag Lending Officer, First Western Bank & Trust, Minot\nFor more information contact", "domain": "finance"}
{"url": "http://www.macqueeninsurancegroup.com/quote/", "date": "2021-06-14T22:31:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487613453.9/warc/CC-MAIN-20210614201339-20210614231339-00487.warc.gz", "language_score": 0.8994603753089905, "token_count": 120, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__93658930", "lang": "en", "text": "If you are in need of a personal home and auto insurance quote, please follow the links below to get started! After you complete the form, your information will be sent securely to our quoting department for processing.\n• For a homeowners insurance quote, please click here.\n• For an automotive insurance quote, please click here.\nAfter the quote is processed, a MacQueen Insurance Group representative will reach out and review the coverage with you.\nIf you are in need of an individual dental quote, please click here.\nTo request more information about the special mortgage program, please click here.", "domain": "finance"}
{"url": "http://www.moonshinanc.com/request-a-quote", "date": "2017-12-13T20:37:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948530841.24/warc/CC-MAIN-20171213201654-20171213221654-00361.warc.gz", "language_score": 0.9444196224212646, "token_count": 127, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__196267441", "lang": "en", "text": "Here at Moon-Shina Insurance Solutions, we work with each of our clients to look at all available Medicare plan options that best suit their individual requirements. Choosing a Medicare Plan is one of the more important decisions that you will make in your lifetime. For all of our Medicare eligible clients, we meet with you one on one. Our consultative services are at no cost to you. We are paid directly by the insurance companies when you enroll in their plan.\nPlease call us at: 336-904-2910 to get your Medicare consultation started or fill out the form below and one of our representatives will contact you.", "domain": "finance"}
{"url": "https://shop.tellows.de/en/payment-methods", "date": "2024-04-19T09:44:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817382.50/warc/CC-MAIN-20240419074959-20240419104959-00039.warc.gz", "language_score": 0.9140375852584839, "token_count": 436, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__13812403", "lang": "en", "text": "Payment methods We offer the following payment methods. Simply choose the payment method that best suits you:\nPayPalWith PayPal you can pay easily, quickly and securely at tellows.de. Easy: Pay with only 2 clicks, without entering bank or credit card data. Fast: tellows.de receives the payment confirmation from PayPal usually within a few seconds. Secure: Your bank and credit card details will not be disclosed to third parties.\nTo pay via PayPal at tellows.de, simply select PayPal as the payment method in our order process. Afterwards, log in to your personal PayPal account with your e-mail address and your PayPal password and confirm the payment amount. tellows.de usually receives the payment confirmation from PayPal immediately and your order can be processed immediately.\nPlease note: After receiving the PayPal payment confirmation tellows.de can also ship your order! Depending on the method of payment in your personal PayPal account, it may take a few working days until PayPal confirms receipt of payment. If PayPal cannot confirm receipt of payment after 9 days, the customer order will be automatically cancelled by PayPal.\nBy the way, paying with PayPal is always free of charge for you!\nStill no personal PayPal account available? Then register your bank account on www.paypal.de within a few clicks. The registration at PayPal takes only a few seconds, because you only have to enter your e-mail address, your address and your bank account details. From now on you can shop on the Internet safely and free of charge without giving your bank details to third parties.\nPrepayment / Bank transfer\nPlease transfer the total amount of your order to our account:\nBank InformationAccount owner: tellows UG\nBank number: 86040000\nBank name: Commerzbank Leipzig", "domain": "finance"}
{"url": "https://newportarcity.org/renewport-grant-awarded-to-247-llc/", "date": "2021-03-08T21:35:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178385529.97/warc/CC-MAIN-20210308205020-20210308235020-00041.warc.gz", "language_score": 0.9684919118881226, "token_count": 211, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__1203036", "lang": "en", "text": "247, LLC has open a new Laundromat at 2505 Highway 367 North in Newport. They applied for and received a ReNewport Grant from the Newport Economic Development Commission (NEDC). ReNewport Grants were developed by the NEDC to improve the overall appearance of the community by assisting businesses in making exterior renovations to their facilities, thus making Newport more attractive to residents, visitors and new businesses considering Newport as a place to locate. The grants are a 50/50 matching grant with a cap of $2,500 in grant funding. The grants can be used for painting, landscaping, signage and other approved exterior improvements. The NEDC sets aside $35,000 of it’s budget each year for the popular program and local businesses are invited to obtain an application through the NEDC office. Grants will be awarded as they are submitted until the funds for the year have been spent. The Newport Economic Development Commission congratulates 247, LLC on their grant and on the improvements that they have made to their facility.", "domain": "finance"}
{"url": "https://anywheregk.in/list-of-union-government-schemes-in-india/?v=e5477cbee260", "date": "2023-09-28T02:14:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510334.9/warc/CC-MAIN-20230927235044-20230928025044-00526.warc.gz", "language_score": 0.8973791599273682, "token_count": 962, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__308340261", "lang": "en", "text": "Important for all SSC, RRB, RRC, PSU, Banks, UGC NET, MBA, State government exams, AFCAT, NIFT, CLAT, etc.\nObjectives of the Union Government Schemes in India\nThere are several different schemes launched by the different Ministries of the Union Government. Each scheme has its own set of objectives. But the main objective of these schemes is to provide social, financial and economic welfare to the citizens of India. The general objectives of the social-economic and financial schemes are –\n- Provide social security measures such as pensions, insurance, maternity benefits, housing etc.\n- To improve the quality of the life of the people.\n- Upliftment of the poor.\n- Development of rural and backward areas.\n- Reducing the economic inequality between different sections of society.\n- Empower women for their better participation in society.\n- To provide employment opportunities.\n- To provide education and training to the weaker sections of the society.\n- To provide financial security to the vulnerable sections of society.\n- To provide financial assistance to women, small businesses and weaker sections of society.\nList of Union Government Schemes for Individuals and Businesses\nThere are different schemes launched by the Union Government of India. Some schemes aim at providing socioeconomic benefits to the individuals. Some schemes aim at providing financial assistance to the businesses. The list of prominent schemes launched by the Union Government is as follows –\n- Atal Pension Yojana\n- Unnat Jeevan by Affordable LEDs and Appliances for All (UJALA)\n- Ayushman Bharat Yojana\n- Grameen Kaushalya Yojana or DDU-GKY\n- Pradhan Mantri Gramin Awaas Yojana\n- Pradhan Mantri Matritva Vandana Yojana\n- Deen Dayal Upadhyaya Antyodaya Yojana\n- Pradhan Mantri Adarsh Gram Yojana\n- Pradhan Mantri Kaushal Vikas Yojna\n- Pradhan Mantri Suraksha Bima Yojana\n- Pradhan Mantri Jeevan Jyoti Bima Yojana\n- Pradhan Mantri Jan Dhan Yojana\n- Rashtriya Krishi Vikas Yojana\n- Pradhan Mantri Awas Yojana\n- Antyodaya Anna Yojana\n- Pradhan Mantri Ujjwala Yojana\n- Swamitva Yojana\n- ASPIRE Scheme\n- Atal Innovation Mission\n- Credit Guarantee Scheme for Startups (CGSS)\n- Midday Meal Scheme\n- Multiplier Grants Scheme\n- Skill India Mission\n- Startup India\nBenefits of Union Government Schemes for Individuals\nThere are many schemes launched by different Ministries of the Union Government for the benefit of the citizens of India. The schemes for individuals mainly focus on the vulnerable sections of the society such as rural and urban poor households, women, SC and ST, senior citizens, domestic workers etc. Each scheme concentrates on providing different socio-economic or financial welfare to the people.\nThe government schemes are beneficial to individuals for obtaining training and employment opportunities. Some schemes help in availing loans at a minimum rate of interest, opening a bank account for individuals, availing financial assistance to meet expenses of an individual, obtaining insurance and enrolling for pension by paying a minimum amount.\nSome of the schemes concentrate on development and empowerment of woman. It provides financial assistance to the woman for starting their own business. There are schemes which provide basic education to the woman, maternity benefits and rehabilitation facilities.\nSome schemes for the individuals concentrate on providing basic necessities to the individuals such as LED lights, drinking water, distribution of food grains, housing, clean environment etc.\nBenefits of Union Government Schemes for Businesses\nThe Union Government has launched many schemes specifically to help the businesses in India. These schemes allow for ease of business and in turn, strengthen the economy. The schemes launched for businesses helps them by providing financial assistance and technical assistance for their growth.\nMany schemes for businesses provide benefits for obtaining loans at subsidised rates, obtaining credit guarantee on loans, subsidy for technological upgradation, support through venture capital etc.\nMany recent schemes promote starting own businesses on a small scale basis by providing entrepreneurial and training facilities, building manufacturing infrastructure, incentives for women and economically backward sections to start their own business, a digital platform for accessing global markets and digital documentation etc.\nDownload Coupons, Free Knowledge Library, Free ATS CV & Lessons", "domain": "finance"}
{"url": "https://www.espanabreaks.com/guides/canary-islands/money-tips-travellers-canary-islands", "date": "2016-05-06T22:36:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-18/segments/1461864121714.34/warc/CC-MAIN-20160428172201-00041-ip-10-239-7-51.ec2.internal.warc.gz", "language_score": 0.944214940071106, "token_count": 475, "dump": "CC-MAIN-2016-18", "global_id": "webtext-fineweb__CC-MAIN-2016-18__0__134722414", "lang": "en", "text": "Money tips for travellers to the Canary Islands\nTogether with the rest of Spain and continental Europe, the Canaries successfully converted from the Spanish Peseta to the Euro (€) on 1st January 2002. €1 was equivalent to about 166 Pesetas.\nThe new currency has been good news for travellers, especially those in the Euro Zone. British holidaymakers also find it an easier currency to convert and use.\nThe Canary Islands are part of Spain and the European Union but outside for the purposes of taxation. This means no VAT (or IVA) is charged on goods in the Canaries and you will find that alcohol, cigarettes and fuel are noticeably cheaper.\nRemember that, unlike mainland Europe, there are limits on the duty-free goods you can return to UK.\nGeneral advice for UK holidaymakers\nIt's easy to lose your head when using an unfamiliar currency. Stay savvy by remembering the following:\n- NEVER hand over cash without fully understanding the price. Most shops have cash machines with an electronic display. ALWAYS check your change.\n- It is far cheaper to buy sun lotion, alcohol, cigarettes and food in local shops and supermarkets. Avoid high prices in tourist centres and the airport.\n- Visa and Mastercard are widely accepted in shops, restaurants and cash machines. Shops will ask for identification with card purchases - keep your passport handy!\n- For your personal safety, never carry more cash than you really need.\n- Avoid cheap electronics - it is NOT cheaper to buy these locally, especially in tacky tourist shops (that have been the source of many scams).\n- The Spanish use decimal points and commas in the opposite way to the UK format. Points denote thousands, commas denote a decimal point e.g. £9,999.99 would be written 9.999,00€\nTips and Gratuities\nAlthough the locals rarely tip, it is still accepted courtesy to tip for good service. In restaurants, 10% is considered normal where service is not included. In cafés and bars, leave a little small change. For porters, chambermaids and tour guides, €1 - €2 is common. 10% is also normal in taxis.\nRemember that tipping is optional; if service is poor, don't be afraid to make your feelings known by leaving nothing.", "domain": "finance"}
{"url": "https://www.fnbmichigan.com/", "date": "2016-12-06T19:47:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-50/segments/1480698541995.74/warc/CC-MAIN-20161202170901-00029-ip-10-31-129-80.ec2.internal.warc.gz", "language_score": 0.9118561744689941, "token_count": 699, "dump": "CC-MAIN-2016-50", "global_id": "webtext-fineweb__CC-MAIN-2016-50__0__173593020", "lang": "en", "text": "One local bank considers\nbanking a family matter.\nWe Consider Your Business Ours\nFirst National Bank of Michigan offers the full complement of retail banking services, home mortgages and personal loans, with a special emphasis on commercial banking. We consider your business ours because commercial banking has been our top priority since opening our doors in 2006. No matter your challenges or concerns, we will always make the time to understand them, guiding you through the borrowing process and beyond. Why? Because West Michigan is our home, and we want to see your business grow for your success and the continued success of West Michigan in the years ahead.\nYour Community is Our Community\nFirst National Bank of Michigan is a community bank. That means instead of relying on an affiliation with a multi-bank holding company, we derive our funds from and lend to the community where we operate--West Michigan. Here you’ll find our branches, our offices and our people. Because we are local and locally owned, decisions are also made by professionals you can talk to face-to-face. First National Bank of Michigan’s commitment to delivering unmatched customer service, combined with our longstanding investment in the community, is why you’ll always receive the personalized attention you deserve when you bank with us.\nWhether you’re someone who prefers taking advantage of the latest technology or you’re committed to traditional, face-to-face banking, First National Bank of Michigan is here to help you (and your business) thrive. We offer a complete line of commercial treasury management services, along with our rising rate certificates of deposit which allow you to watch your money grow without the worry of long-term commitment. For our on-the-go customers, First National Bank of Michigan also has online and mobile banking services.\nA Decade of Caring for Your Community\nThe year 2016 marks our 10-year anniversary serving West Michigan, and we want to celebrate with you and the community. To honor our anniversary and continue giving back to the place we call home, our employees selected 10 local non-profits to support throughout 2016 in Kalamazoo, Portage and Grand Rapids.\nThe First National Bank of Michigan mobile banking app enables you to bank from the comfort of your home or on the go. With your smartphone or tablet, you can check balances, make deposits and transfers, pay bills and more. Our business customers can also take advantage of sending ACHs while away from the office.\nE-Statements: Secure, Timely and Eco-Friendly!\nIt's easy to enroll and only takes a couple of minutes!\nGet to Know Your BankView All Staff\nSenior Executive and Board ChairmanPhone: 269.488.8853 Email John M.\nChief Executive OfficerPhone: 269.488.8854 Email Larry\nPresidentPhone: 269.488.8884 Phone: 616.242.8349 Email Daniel\nMarket President, Grand Rapids and Senior LenderPhone: 616.242.8374 Email Jefra\nNews and Events\n- News News, Thu, Oct 13, 2016\n- News News, Mon, Aug 29, 2016\n- News News, Mon, Aug 22, 2016\n- News News, Thu, Jun 9, 2016\n- News News, Fri, May 27, 2016 - Sat, Dec 31, 2016\n- News News, Mon, Feb 22, 2016 - Sat, Dec 31, 2016", "domain": "finance"}
{"url": "https://mfcatalysts.com/blog/whats-at-stake-between-ryanair-and-travel-agencies/", "date": "2024-02-21T19:14:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473524.88/warc/CC-MAIN-20240221170215-20240221200215-00884.warc.gz", "language_score": 0.9638978838920593, "token_count": 596, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__142861948", "lang": "en", "text": "The debate between Ryanair and the Travel agencies is not simply a mean to achieve media coverage, but a ferocious fight to preserve the feasibility of a business model, which requires selling directly to the public.\nFrom August 25, Ryanair will only accept bookings made directly via their own website, rejecting all the reservations made by travel agencies.\nLegal considerations aside, this decision, aired by the airline with its usual rude verbosity (it described travel agencies as “sector parasites” and “dead wood”) has triggered considerable debate involving consumer associations and Public Administration, even though the latter do not seem to be in a hurry to take a stand.\nTravel agencies say that many customers do not feel comfortable shopping online, and thus are happy to pay for the services provided by the agencies.\nWhat’s this not about?\nThis is not a debate among online companies, since half of the sales made by accessing Ryanair’s website are made by travel agencies that also use other trading channels.\nIt is also nothing new that a third party without prior agreement sells one company’s products, such as, for example, Hacendado tissues at petrol stations..\nThen, travel agencies do not demand any margin or commission fee (which they did with Iberia and Spanair), as they find it completely normal to charge a fee for their services.\nAnd some may even think that this is all too much hassle about nothing, as sales made by travel agencies do not even reach 1% of Ryanair’s overall turnover.\nSo, what’s all the fuss about then?\nThis is basically guerrilla warfare between companies based on virtually identical business models, based on three key issues:\nFirst, they all sell comprehensive travel solutions including flight, accommodation, car rental, insurance products, etc.\nSecond, they all follow Lebowitz’ theory (the benefits of online presence): the more customers a company has, the more benefits each customer can enjoy —this is what Movistar states. The company that attracts many customers (for example, offering cheap flights) can redirect their customers to other companies that are willing to pay commission fees or bonuses for induced sales. Thus, all extra income is essential for the financial feasibility of any such company. And what travel agencies are precisely doing is to jeopardize Ryanair’s said key extra income!\nAnd thirdly, they need to sell directly to the public. That is, by selling tickets via travel agencies, Ryanair loses customer knowledge and decreases their “sell-ability”.\nHowever, the airline is at a disadvantage: their website does not sell competitors’ flights. Therefore, the options they offer are limited, even if they include hotels, insurance products, etc.\nThis business models requires large volumes and thirsts to become the leading reference. This is precisely what is at stake here.\n19 August 2008", "domain": "finance"}
{"url": "https://images.bizbuysell.com/learning-center/article/the-truth-about-buying-a-business-with-bad-credit", "date": "2020-06-03T02:43:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347428990.62/warc/CC-MAIN-20200603015534-20200603045534-00541.warc.gz", "language_score": 0.9785097241401672, "token_count": 1151, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__161467682", "lang": "en", "text": "The Truth About Buying a Business With Bad Credit\nBuying a business can be an exciting prospect. Someone else has already laid the groundwork, with a built-in and proven operation, including products and/or services, customers and established cash flow. It offers many benefits and opportunities.\nBuying a business can also be risky – especially if you don’t look closely at what you’re actually buying. In other words, without careful and thorough due diligence, you could run into some serious problems. Levi King, co-founder of Nav, learned this lesson as a young entrepreneur who owned a commercial sign repair company in Idaho.\nLess than a year after starting his business, King was doing so well that he decided to expand his services to include manufacturing. Then, a competing sign company listed for sale caught his attention. Not only did it have the assets he needed, it had been in business for 52 years. With its longevity and solid reputation, it seemed like a sure bet. He promptly bought the company’s equipment (not the entity itself) and began operating out of its location.\nShortly thereafter, King’s sign company was offered an opportunity to bid on a big job by a car dealership. It was a golden opportunity. He’d worked with them before on repair projects, but this was a $200,000 contract to build brand-new signs. Confident that his competitive price gave him an advantage, King submitted his bid.\nHis bid was turned down and the car dealership went with a large national business instead. Disappointed, King asked his contact at the dealership why they turned down his bid. What he learned shocked him. Apparently, the company that won the job included a copy of King’s business credit report along with their bid — which revealed negative information about his company.\nKing learned that somehow credit information from the company he recently purchased equipment from had gotten mixed in with his own business credit profile. The company that was awarded the job used this information against him, convincing the car dealership that King was an inexperienced kid with a shoddy credit record.\nAs you can imagine, King saw this as a huge wakeup call about the crucial role that credit plays in growing a successful business, as well as the need to stay vigilant for errors creeping into credit reports. He disputed the mistakes with Dun & Bradstreet and eventually separated his business’s credit from that of the business he’d purchased equipment from. Yet, it didn’t ease the pain from losing the lucrative contract.\nWhat are business credit reports and who compiles them?\nYour personal credit score tells potential lenders what kind of risk to expect if they extend you credit or financing. Low scores mean you’re high risk; higher scores mean there’s a reasonable chance that you’ll repay them promptly and in full.\nA business credit score works in a similar way. A business with a record of paying its bills on time is a likelier candidate for financing, trade credit, and, in some cases, large contracts than a business that’s struggled to keep its head above water.\nBusiness credit reports are compiled by each of the three major business credit reporting agencies: Dun & Bradstreet, Equifax, and Experian. (Other business credit reporting agencies exist, but it makes sense to focus first on the main players.)\nThese reporting agencies each have their own unique ways of collecting and reporting payment information. They all collect information from a variety of sources, such as banks, business credit card issuers, vendors, etc., though the exact companies they work with will often vary. As a result, business credit reports may vary widely from one credit bureau to another.\nHow to Check a Business’s Credit Score\nWhen you buy a business, you commit to taking on its assets and liabilities, including problems you might not be aware of, such as unpaid bills that are being reported to the business credit reporting agencies. For this reason, you’ll want to take a close look at a business’s credit report before committing to purchasing it.\nOne option is to go directly to the credit reporting agencies. For example:\n- Experian’s Business Credit Advantage offers instant access to Experian business credit reports and scores, and you can check up to 30 business’s credit scores per month with a paid Business CreditScore Pro plan.\n- You can purchase reports from Dun & Bradstreet via their Credit Evaluator Plus service.\n- You can check a company’s Equifax report for by purchasing one or more reports through Equifax.\nAnother option is a paid account with Nav, through which you can get detailed reports on your own business and check the business credit of up to five other businesses. You’ll get monthly updates to commercial reports from Equifax, Experian and Dun & Bradstreet.\nIt’s important that you check multiple bureaus, because their data may be different. Acquiring a bird’s eye view of a company’s credit history will give you confidence moving forward with your purchase.\nFurthermore, once you’ve acquired another business or its assets, you’ll want to check credit on a regular basis. As King experienced, the credit of the business you acquire may become part of your own business credit report. Or, the credit files of unrelated businesses can get mixed up. Other mistakes— even fraud— can occur.\nJust as you work hard to build, maintain and monitor your business reputation, you want to build, maintain and monitor your business credit reputation as well.", "domain": "finance"}
{"url": "https://de.sycomore-am.com/Unser-Magazin/2017/06/376-SYCOMORE-ECO-SOLUTIONS-IRRIGATING-THE-FERTILE-GROUND-OF-ENVIRONMENTAL-TRANSITION?sid=3tjitpkjih29sefcadmjeejhgt", "date": "2022-06-27T12:29:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103331729.20/warc/CC-MAIN-20220627103810-20220627133810-00409.warc.gz", "language_score": 0.9349639415740967, "token_count": 1702, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__120258542", "lang": "en", "text": "The objective we set ourselves when Sycomore Eco Solutions was launched in 2015 was to combine sustainable financial performance and positive environmental impact – a fund managed with conviction and with no concessions made, either in terms of impact or returns. As the first fund to receive the government’s Transition Energétique et Ecologique pour le Climat label, Sycomore Eco Solutions rose to the challenge and now offers both impact and performance.\nA KEY CHALLENGE FOR THE 21ST CENTURY\nThe facts are simple: our human societies and companies cannot live “off-ground”, without a stable environment that provides natural - or ecosystem-based services to quote the specialists: healthy air, access to water, a stable climate, fertile soils, renewed natural resources…\nAccording to the WHO, 23% of global mortality is related to environmental degradation. This represents 12.6 million people every year.\nAnd yet, since the end of the 20th century, human civilisation has exceeded the physical limits that the biosphere is able to absorb: every year, we consume more natural capital than the planet can regenerate, as the work carried out by WWF and the Global Footprint Network demonstrates.\nTHE ENERGY AND ENVIRONMENTAL TRANSITION HAS BEGUN\nBut there is also some good news to report. The first is that the environmental transition is on the move: consumers did not wait for the Grenelle Environmental Summit to request healthier and more eco-friendly foods; car manufacturers did not sit waiting for the carbon tax to sell hybrid or electric cars; and energy players had started developing renewable energy production capacity throughout the world long before COP 21…to the extent that since 2015, these newly installed capacities are exceeding those produced by fossil and nuclear power plants.\n''Additional renewable energy capacity installed globally, in GW and in percentage.\nSource: AIE, Perspectives 2016''\nThe second encouraging piece of news is that the companies implementing and contributing to the growth of these solutions exist in great number throughout the world, and particularly in Europe. Many are listed on the stock market, of differing market capitalisation sizes. Finally, while some industries have a much larger impact – such as transport, energy, agri-food or construction – unlike media or healthcare for example, no sector is immune from the energy and environmental transition.\nAND IT IS OPEN TO ALL FOR INVESTMENT\nThe Sycomore Eco Solutions fund was created to allow all money savers (PEA eligible fund) and investors to gain exposure to the companies behind these solutions. The third positive piece of news is that the power to act for our future needn’t rely simply on consumers buying differently, on companies reviewing their strategy, on governments shifting their regulatory frameworks in favour of natural capital, or on local communities supporting green innovations: finance, used with a sense of purpose, can also constitute an eco-solution.\nTo guarantee that the fund confines its investments to the field of eco-solutions, Sycomore AM has built a specific research methodology which measures the extent to which companies’ activities are aligned with the Energy and Environmental Transition: the intensity of their Contribution to the Energy and Environmental Transition (CEET), expressed as a percentage of turnover.\nCompanies offering a fully aligned response to the issues of environmental transition and the fight against climate change will see their ‘green intensity’ indicator move closer towards 100%: organic foods, plant-based products, renewable energy management, building insulation, public transport, cycling and recycling. If a business displays a neutral net environmental impact, i.e. similar to the average solutions available on the market, its CEET will be 0%. Finally, if a company destroys natural capital, for instance a coal fuelled electric power plant or a company specialised in pesticides, the more it destroys, the closer it will get to -100%.\nThis indicator measures the net environmental impact of a company expressed as a percentage of its turnover. It ranges from -100% for a business that has a particularly destructive impact on natural capital, to +100% for a company that generates maximal positive impacts and clearly address environmental and climate-related issues.\nOnly the companies with satisfactory ratings in terms of extra-financial performance – Environment, Social, Governance (ESG) – and displaying a CEET above 10% are eligible for inclusion in the portfolio of Sycomore Eco Solutions.\nSince inception, the fund has posted an average CEET of around 50% (1) and an average ESG rating of 3.4 (1) out of 5. Within this universe, the portfolio managers focus on approximately 50 companies they believe offer the most attractive upside potential. Finally, they map out impacts against five complementary areas relating to the transition: energy, mobility, construction, ecosystems and the circular economy.\nPLAYERS SPECIALISED IN DYNAMIC MARKETS AND ALIGNED WITH CURRENT AND FUTURE TRENDS\nThe search for businesses aligned with the environmental transition and the rejection of companies that are indifferent or hostile to this trend has two consequences. On the one hand, it steers the portfolio away from companies that are going “against the flow” and facing the headwinds caused by the transition - businesses that are more likely to be involved in controversies, boycotts or environmental scandals and which are ultimately heading towards the cemetery of obsolescence. On the other hand, it focuses on players active in dynamic markets and poised to gain from being aligned with current and future trends - regulatory and fiscal, but also societal and civic. These companies are supported by tailwinds and their positive missions, inspiring and purposeful, sustain the energy of their employees. Ultimately, this means more opportunities and an improved ability to seize them, as demonstrated by the stock market performances of organic food company Wessanen, of Sif Holding NV, which manufactures monopiles for off-shore wind farms, Leinzig, the wood fibre textile manufacturer TencelTM, recycling company Umicore or Plastic Omnium, the automotive components company.\n1 in 4 portfolio companies has already been involved in major corporate action - large-scale acquisition, IPO, capital increase or public takeover bid.\nAN INNOVATIVE STRATEGY DELIVERING TANGIBLE RESULTS\nThe fund’s investment universe principally includes European stocks (all market capitalisations) with a potential diversification outside of Europe. No sector is excluded a priori; however, in practice, the strategy is heavily exposed to industries that have a strong focus on eco-solutions, notably industry, consumer goods and utilities.\nWith over 20 months track record, the fund has delivered on its promise: Sycomore Eco Solutions combines financial performance and positive environmental impact. At the end of April 2017, the fund posted a gain of +23.7% (2) since inception, while its benchmark, the MSCI Europe NR (3) was up +11.4%. On a year-to-date basis, the fund is up +13.5% (2) versus +7.7% for the MSCI Europe NR (3).\n(1) Data as of 28/04/2017. Average CEET of the Sycomore Eco Solutions portfolio: 47%.\n(2) I share. Data as of 28/04/2017. Inception: 31/08/2015.\n(3) NR: Dividends reinvested.\nFund’s risk/return profile\nPast performances are not a guarantee of future performances. he value of investments can fall as well as rise. There is no guarantee that these investment strategies will work under all market conditions or are suitable for all investors, and investors could bear capital losses. The performance of the fund can be explained partially by ESG indicators of the companies appearing in the portfolio, but these last ones are not the only factors determining the evolution of this performance. This communication has not been prepared in accordance with regulations to promote the independence of financial analysis. SYCOMORE Asset Management or management companies involved with the preparation of this document are not subject to the ban on conducting transactions on the instruments mentioned by the publication of this communication. Prior to investing, please read carefully the key investor information document available on our website : www.sycomore-am.com.", "domain": "finance"}
{"url": "https://dolvi.de/ratgeber/unkategorisiert/dental-implant-price-comparison-how-to-save-unnecessary-costs/", "date": "2023-09-22T11:39:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506399.24/warc/CC-MAIN-20230922102329-20230922132329-00210.warc.gz", "language_score": 0.9443721771240234, "token_count": 1585, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__144339706", "lang": "en", "text": "If you want a dental implant, you have to pay prices in the upper range – so the common opinion. But do implants really have to be so much more expensive than other dentures, or even unaffordable? Or is it also worth comparing prices for dental implants?\nIn this article we will show you what dental implants cost, how there are differences and how you can find the cheapest provider with dolvi.\nWhat do dental implants cost?\nEven if you would certainly like to hear a specific number here: It is not possible to put a flat figure on the costs for a dental implant. Because the price of a dental implant depends on many different factors.\nYou have not yet received a treatment and cost plan from the dentist, but would like to be able to estimate the costs in advance? Then please use our cost calculator. In just a few steps, he will lead you to a well-founded initial assessment.\nDental implants: What costs does health insurance cover?\nThe health insurance only pays the usual fixed subsidy, even for implants. This is based on the standard care for the corresponding medical indication. If there are only a few missing teeth, this is usually a bridge, and if there are many missing teeth, a form of prosthesis.\nPrivate health insurers and supplementary dental insurance often pay more, but it depends on the exact tariff. If in doubt, ask your insurer.\nDental implants: high costs in any case?\nThere is a stubborn assumption that implants are much more expensive compared to the alternatives and are therefore reserved for people with a high budget. However, the costs can vary greatly. Therefore, do not immediately rule out dental implants without comparing prices.\nHow do different prices arise for dental implants?\nVarious factors are responsible for the price differences in dental implants. Some of them you have control over, others less so.\nWe will show you which factors you can pay attention to if you want to avoid unnecessary costs for dental implants. Because these have a significant influence on the price of your dental implant.\nIn fact, the region you live in makes a difference – even within Germany. In general, the costs for dentures in eastern Germany are lower than in western Germany, and higher in large cities than in rural areas. There is also a clear price difference from south to north.\nHowever, the prices in your region are not set in stone. Because even within a region there can be enormous price differences.\nMaterial and type of implant\nImplants are usually made of very high-quality materials. After all, the implant should grow into your jaw during the placement process and ideally remain there until the end of your life.\nThe standard material is titanium for all non-visible parts and ceramic for all visible parts. However, an implant can also consist of zirconium and is then significantly more expensive.\nThe structure of the implant also makes a difference. Different types have different costs.\nThe jaw region in which the implants are located also shows an effect in the price comparison. Incisor implants and implants in the upper jaw are more expensive than those in the molar area and in the lower jaw.\nSize of the gap\nSometimes we need more than a single dental implant. This is particularly evident in the price comparison. Because if several teeth are missing, more than one implant is usually necessary.\nThere are different types of construction:\n- replacing each missing tooth with an implant,\n- Placing implants at the end of rows of teeth and hanging a bridge on them,\n- Placement of implants as pillars for a Locator prosthesis in the case of complete edentulism.\nTherefore, the larger the gap and the more individual implants it has to be filled with, the higher the costs for the restoration.\nEspecially if a tooth gap has existed for a long time, as well as with age, the bone in the jaw has often already receded. Then it has to be thickened again to provide the implant with support. One speaks here of a bone structure.\nBone augmentation has a significant impact on the price of dental implants because it involves another surgical procedure.\nPrice calculation of the practice\nUltimately, the practice’s pricing also has an impact on the costs for new implants. While some practices are committed to fair and transparent pricing, other practices try to earn as much money as possible from self-pay services. This is precisely why it is worth comparing prices for dental implants.\nHow much do dental implants cost abroad and is it worth it?\nDental implants from Poland, Hungary or Turkey usually seem to be very cheap in comparison. While that may be true, and the offers on the provider’s website often look very good, you should consider that placing an implant is a surgical procedure that requires good communication between doctor and patient and an experienced practitioner.\nAny language barriers and the lack of opportunities to check the quality of foreign offers make good treatment difficult here.\nIn addition, implants cannot be placed in one visit to the dentist. You have to visit the therapist repeatedly over a longer period of time. We therefore advise against having implants placed abroad.\nPrice comparison of implants: what does Stiftung Warentest say?\nStiftung Warentest sent test patients with dental problems to 15 German dentists. The frightening finding: The treatment suggestions exceeded the appropriate price by up to 90 percent – in some cases almost 10,000 euros too much were asked of the patient.\nStiftung Warentest comments on the quality of the suggestions: „Only two of the treatment plans are reasonably okay, all the others are bad.“ In addition, the proposed treatments would carry „unnecessary risks“. (Source: Stiftung Warentest 10/2015, p. 86-91: „Get up a gear“)\nDental implants: easy price comparison with dolvi\nWouldn’t you like to be one of those patients who dig deep into their pockets or even have to do without implants because of such excessive cost estimates? Then test the dolvi service now. We make comparing the price of your dental implants child’s play!\nThis is how the price comparison for dental implants works with dolvi\nIf you would like to compare the price of your new dental implant, simply follow the steps below:\n- If you do not yet have a treatment and cost plan for your implant treatment, go to your usual dentist on site and have them make a cost estimate for your treatment.\n- Upload the estimate to dolvi for free in just 90 seconds.\n- Receive comparative offers from selected dentists after just 48 hours.\n- Choose your new dentist and save money.\nWith dolvi to the new dental implant: What costs can I save?\nOf course, we cannot promise you any specific cost savings. How high this is depends on the type of treatment you want and the price calculation of your dentist. On average, however, patients save 44 percent of the treatment costs on dolvi.\nThanks to dolvi, your treatment is not only cheap. Because we subject all participating dental practices to a precise quality check. With dolvi you always get the best treatment at the best price.\nNew dental implant: dolvi saves you time and money!\nPlay it safe now: get a second dental opinion, compare the prices of dental implants and reduce your treatment costs. On dolvi you can upload your treatment plan and cost plan anonymously in just 90 seconds and receive comparison offers from certified dentists. Here you will find the best treatment at a fair price – free of charge, without obligation and completely anonymous.", "domain": "finance"}
{"url": "http://landscape58147.timeblog.net/11660503/bankrupcy-service-florida", "date": "2019-01-22T06:19:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583829665.84/warc/CC-MAIN-20190122054634-20190122080634-00578.warc.gz", "language_score": 0.9532391428947449, "token_count": 442, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__15445925", "lang": "en", "text": "Personal bankruptcy assists people that can no more pay their debts obtain a clean slate by liquidating properties to pay their financial debts or by producing a settlement strategy. Bankruptcy laws also secure monetarily struggling organisations. This section discusses the bankruptcy process as well as regulations.\nDeclaring bankruptcy can help a person by discarding financial debt or making a strategy to pay off financial obligations. A bankruptcy instance usually starts when the borrower submits a petition with the insolvency court. A petition might be filed by a private, by spouses together, or by a firm or various other entity.\nAll insolvency situations are dealt with in government courts under policies described in the U.S. Bankruptcy Code.\nThere are various kinds of insolvencies, which are usually referred to by their phase in the U.S. Bankruptcy Code.\n• Individuals may file Chapter 7 or Chapter 13 insolvency, depending upon the specifics of their circumstance.\n• Communities-- cities, communities, towns, exhausting areas, community utilities, and also college areas may file under Chapter 9 to reorganize.\n• Services may file insolvency under Chapter 7 to sell off or Chapter 11 to rearrange.\n• Phase 12 supplies debt alleviation to family members farmers as well as anglers.\n• Personal bankruptcy filings that include celebrations from greater than one nation are submitted under Chapter 15.\n• Bankruptcy Basics offers in-depth information concerning filing.\nLooking for the recommendations of a certified attorney is highly advised due to the fact that insolvency has lasting economic as well as legal effects. People can submit personal bankruptcy without a legal representative, which is called filing pro se. Find out more.\nUtilize the forms that are phoned number in the 100 collection to file personal bankruptcy for people or wedded couples. Use the forms that are phoned number in the 200 collection if you are preparing a personal bankruptcy in support of a nonindividual, such as a firm, collaboration, or limited responsibility business (LLC). Sole owners should utilize the kinds that are phoned number in the 100 series.\nLocation: Florida Bankruptcy Law Firm | Bankruptcy Service", "domain": "finance"}
{"url": "https://grnpower.io/swap", "date": "2020-10-29T20:10:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107905777.48/warc/CC-MAIN-20201029184716-20201029214716-00336.warc.gz", "language_score": 0.9054403901100159, "token_count": 584, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__98076832", "lang": "en", "text": "Each existing GRN coin can be swapped for a new ERC-20 GRN token using the token bridge. The GRN Swap Period started September 26th and runs 13 weeks – until December 26th at midnight GMT.\nIMPORTANT: The timing of your swap will affect the number of tokens you receive.\nSwap early and sacrifice a percentage of your new tokens to gain immediate access. Wait until the final three weeks, and you’ll swap 1:1 and receive 100% of your tokens.\nOnce you are ready to swap, just follow these simple steps to swap your existing GRN for new GRN tokens:\nEthereum Wallet Destination: Please secure an Ethereum ERC20 wallet. You are strongly encouraged to hold your new GRN tokens directly in an Ethereum ERC20 wallet — NOT in a wallet address from an exchange account. This will eliminate potential issues during the transfer of your tokens. Popular Ethereum ERC20 wallet choices include: MyEtherWallet, Metamask, Trust Wallet, Atomic Wallet, Mist, Parity, and Exodus.\nStart Swap: Once you’re ready to begin the swap process: - Select an exchange where you currently have GRN coins, and click “Continue” - Enter your email address associated with your account at that exchange, and enter “Confirm” - A one-time password will then be sent to your email address, enter this OTP code and click “Continue”\nGRN Token Bridge\nMore information about the swap process:\n500 GRN tokens will be the flat fee charged on each swap executed prior to the Final Swap Period. The swap fee during the Final Swap Period will be just 5 GRN tokens. The fees generated will be used solely to pay the gas fees for these swaps to be executed on the Ethereum platform.\nFinal Swap Period\nFinal Swap Period will last for 3 weeks and will be a 1:1 swap (100%). Anyone who submits their coins to be swapped during this final period will not receive their new tokens shortly after the swap (as will occur in the previous weeks of the swap), but instead will have to wait until December 30th. All of the 1:1 swap recipients will receive their tokens at the same time on December 30th.\nMore details are available in the Swap section of the GreenPower White Paper.\nQ. Do I have to swap all of my coins at once?\nA. No, you can swap separate portions of your coins at different sections of the Token Bridge.\nQ. Is there any limit to how many times I can swap?\nA. There is no set limit, but keep in mind you will pay the 500 GRN swap fee every time you swap an amount of coins (prior to the Final Swap Period, when the fee will be 5 GRN per swap).", "domain": "finance"}
{"url": "https://www.charlesfrieda.com/post/first-time-home-buyer-checklist", "date": "2024-04-20T15:48:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817670.11/warc/CC-MAIN-20240420153103-20240420183103-00736.warc.gz", "language_score": 0.9581137299537659, "token_count": 1373, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__171680332", "lang": "en", "text": "BUYING YOUR FIRST HOME can be exciting--and also terrifying! Where do you start? How do I pick an agent? How much should I put towards the down payment? Will I qualify for a loan? What goes into writing an offer? I've found that the best first step you can take is figuring out your mortgage situation. It sets the stage for everything you'll consider when it comes to deciding which home is right for you. The checklist below is a good reference to start with--we'll go through them in some detail below:\nPay down as much debt as possible.\nDetermine your home buying budget and get pre-approved for a mortgage.\nLearn about the in's and out's of the home buying process.\nBuild a good savings account buffer in at least one of your bank accounts.\nBudget for expenses beyond your mortgage.\nDecide what type of mortgage is right for you.\nStart putting together your paperwork/documentation to support your application.\nPaying Down Your Debt\nPaying off or paying down debt is first on the list of what to do if you want to buy your first home. And while you're at it, checking your credit score and credit report are musts. Focusing on paying down your credit cards and paying your bills on time can be a quick way to see your credit score move in the positive direction.\nYou could get a mortgage with a FICO credit score as low as 500, and 620 is typically the minimum for a conventional mortgage. But the higher your score, the more likely you are to get the best interest rate and terms for your mortgage.\nKnow Your Budget, and Get Pre-Approved for a Mortgage\nLook at your income and budget, including how much house you can afford, before you choose a down payment, type of mortgage or house--or anything else.\nA mortgage pre-approval can give you a solid idea of your mortgage eligibility and how much money you could borrow. This letter also signals to sellers that your lender is on board and you're ready to buy. A pre-approval typically doesn't impact your credit score, but ask your mortgage broker to be safe.\nKeep in mind that the maximum amount you are approved for by a mortgage lender isn't necessarily what you can afford.\nUnderstand the Homebuying Process\nBeing aware of the steps in the mortgage process can be helpful. It will help you prepare for what's ahead.\nGenerally, the steps are:\nGet pre-approved for a mortgage by a lender or mortgage broker.\nShop for a home and make an offer.\nSecure a mortgage.\nHave the home inspected and appraised.\nComplete mortgage underwriting and closing.\nHave Money in the Bank\nHaving a good cash cushion is helpful not only for your down payment but also to help pay for closing costs, maintenance/repairs, and emergencies.\nHow much money do you really need to put down on your first home? It depends.\nMost experts suggest that you have at least 20% of the purchase price saved as a down payment. You can buy a house without putting 20% down – and many people do – but there are good reasons to put at least 20% down. It means you'll avoid paying for private mortgage insurance, or PMI. A bigger down payment also reduces the amount you will need to finance and pay interest on.\nIf a 20% down payment is out of reach or would prevent you from paying closing costs or expenses after the sale, you have options. Some government agencies and lenders offer first-time homebuyer programs that can help with down payments and closing costs.\nBudget for Expenses Beyond Your Mortgage\nA home loan is a long-term, monthly expense you're taking on, and having a financial cushion after closing is key. Be prepared to make payments after a job loss or another hardship.\nGood and bad times lie ahead, and you want to be covered on your mortgage either way.\nFiguring out what you can afford means adding:\nHomeowners association fees\nPotentially higher utility costs if you're buying a larger home\nAmenity upkeep, such as a lawn or pool\nDecide What Type of Mortgage Is Right for You\nEven as a first-time homebuyer, you have an array of mortgage options to choose from. Do you want a government-backed or conventional mortgage? Do you prefer adjustable or fixed interest rates?\nA government-backed mortgage guarantees your loan, protecting the mortgage lender from losses if you default on it. The Federal Housing Administration, U.S. Department of Veterans Affairs and U.S. Department of Agriculture typically offer these programs.\nFor those who qualify, this type of loan can offer lower approval requirements than conventional mortgages and low or no minimum down payment. But conventional loans may have lower interest rates compared with government-backed mortgages.\nAnother big choice is between adjustable- and fixed-rate mortgages.\nAn adjustable-rate mortgage, or ARM, has an interest rate that can fluctuate over the life of the loan along with benchmark rates. A fixed-rate mortgage, on the other hand, has an interest rate that never changes, even if rates fall.\nSome homebuyers are wary of ARMs and for good reason. The rate for your ARM could adjust – and with it, your monthly mortgage payment – to well beyond what you can afford.\nBut ARMS can make sense for some borrowers. If the interest rate is low and you won't live in your house for long, an ARM might be a good fit for you.\nLimits on how often ARMs can adjust may make them more appealing to some buyers. But overall, a fixed-rate mortgage can be a safer, more predictable choice for first-time buyers.\nConsider the Length of Your Home Loan\nMost homeowners choose between a 15- or 30-year mortgage, though other durations may be available depending on the lender.\nA 30-year mortgage may offer a more affordable monthly payment, but a 15-year mortgage may reduce long-term interest and help you pay off the loan much earlier. Still, the monthly payment on a 15-year mortgage can be a barrier for some homebuyers.\nStart Gathering Paperwork\nApplying for and closing on a mortgage requires a lot of documents, and working to get ahead can't hurt.\nHere are some documents needed for a mortgage:\nFederal income tax records for the past couple of years\nRecent paycheck stubs\nCanceled checks for rent or utility payments\nAlso, you'll want to gather any other documents a mortgage lender might want to see, such as credit card and student loan account statements.", "domain": "finance"}
{"url": "https://pena4.com/industries/finance-and-accounting/", "date": "2021-03-03T07:46:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-10/segments/1614178366477.52/warc/CC-MAIN-20210303073439-20210303103439-00574.warc.gz", "language_score": 0.9080994129180908, "token_count": 153, "dump": "CC-MAIN-2021-10", "global_id": "webtext-fineweb__CC-MAIN-2021-10__0__95256632", "lang": "en", "text": "FINANCE AND ACCOUNTING\nReap the benefits of increased accuracy, efficiency and long-term cost savings tailored to finance and accounting.\nPena4’s suite of finance business process outsourcing (BPO) services empower your business to improve operational efficiency by serving as an extension of your current staff.\nWith just the right combination of financial experts and data analysis, we help clients increase cash flow and revenue.\nWhat We Do\nCash flow management\nBack office optimization\nHow We Do It\nFinancial expertise coupled with 24/7 support. Pena4 has the talent pool and process to reduce accounting burdens and risks.\nGet back your hard earned money, time and peace of mind. Schedule a consultation for outsourcing that best suits your needs.", "domain": "finance"}
{"url": "https://www.aerospaceglobalforum.com/about-agf/forum-themes/financing-the-future/", "date": "2023-12-02T16:15:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100427.59/warc/CC-MAIN-20231202140407-20231202170407-00152.warc.gz", "language_score": 0.889192521572113, "token_count": 268, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__51007439", "lang": "en", "text": "Financing The Future\nPivoting financial assets to support sustainable aviation is not an easy task. It requires the knowledge necessary to navigate the extreme complexity of the category. Within the aerospace industry, there are numerous strategies, technologies, business models, and companies emerging from the global climate agenda. The financial sector must learn how to evaluate green investment opportunities and assess climate-related and social risks affecting the aerospace industry.\nCurrently, the deal activity remains strong - innovation, technology transformation, and geopolitical and regulatory shifts will likely drive a robust deal environment across all industry segments. As industry players reevaluate their portfolios and focus on divestments of non-core assets, well prepared companies with strong balance sheets are making smart M&A decisions, creating increased shareholder value. While post-pandemic recovery remains a key driver in commercial aerospace, geopolitical tensions could continue to support deal-making in defence.\nEXPLORE FORUM THEMES\nWorking together to drive change at every altitude from the future of sustainable aviation to space technology.\nSubscribe to AGF Newsletter\nAccelerate your journey to Net Zero at AGF\nThe time is now: get ready to connect, engage, accelerate and innovate at the new global forum for change.\nConnect with global leaders to drive climate action and transform the aerospace industry and beyond for a better world.", "domain": "finance"}
{"url": "https://muntermag.com/the-truth-about-the-lottery-2/", "date": "2024-04-23T01:18:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818452.78/warc/CC-MAIN-20240423002028-20240423032028-00559.warc.gz", "language_score": 0.971690833568573, "token_count": 567, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__196985949", "lang": "en", "text": "The lottery is a popular form of gambling in which participants pay for a ticket and then hope to win a prize based on random selection. There are many different types of lotteries, including those that award units in subsidized housing blocks or kindergarten placements at a certain school. Other types of lotteries award money, such as those organized by state governments in the United States. The purpose of the lottery is to raise funds for various projects, such as education, public works, or health and welfare programs. It is also a way to promote sports, such as horse racing or soccer.\nIn the past, state lotteries operated like traditional raffles, with players buying tickets for a future drawing. However, innovations in the 1970s dramatically transformed these games. These innovations allowed lotteries to offer prizes in the form of cash or goods immediately. This reduced the waiting time for winners and increased revenues. Lottery commissions promoted these innovations by advertising the chance to win big and arguing that playing the lottery was a fun and affordable way to enjoy the thrill of gambling.\nA common misconception about the lottery is that it’s a “gamble” in which the odds of winning are long. This misperception is partly true, but it doesn’t explain why people play. Instead, it’s about an inextricable human impulse to gamble and a belief that the lottery represents a chance at quick riches, especially in this age of declining social mobility.\nMany state lotteries have become increasingly complex. They have adopted a number of innovative marketing strategies, including advertising on billboards and radio stations, and they have introduced new games to increase revenues and keep people interested. In addition, they have adopted rules that prohibit the sale of tickets to minors and have instituted restrictions on how much money a player can spend on one ticket.\nSome states even operate multiple lotteries, with each offering its own prizes and odds of winning. However, the odds of winning a major prize are still relatively low. For example, the odds of winning the Powerball jackpot are only 1 in 195 million. Despite these odds, the lottery is still a popular choice for many Americans.\nTo improve your chances of winning, choose numbers with a high probability of being drawn. Avoid numbers that are closely related to each other or those that end in the same digits, as this tends to decrease your chances of winning. In addition, try to purchase more tickets to increase your chances of winning. It’s also a good idea to mix up your numbers and select numbers that are not common to other players. Lastly, don’t buy lottery tickets that have sentimental value. Instead, consider purchasing lottery tickets with a group of friends or family members. This will significantly improve your chances of winning!", "domain": "finance"}
{"url": "https://updates.mwbllp.com/2010_12_12_archive.html", "date": "2023-10-01T08:52:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510810.46/warc/CC-MAIN-20231001073649-20231001103649-00829.warc.gz", "language_score": 0.9322153329849243, "token_count": 864, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__147686675", "lang": "en", "text": "The California Appellate Court, Fourth District, recently ruled in favor of a bank in a lawsuit arising from a check cashing scheme, confirming that the Uniform Commercial Code (\"UCC\") overrides inconsistent principles of state common law, and did not require the bank to prove it was free from negligence.\nA copy of the opinion is available at: http://www.courtinfo.ca.gov/opinions/documents/E049170A.pdf.\nChino Commercial Bank, N.A. (\"Chino\") brought an action against Brian Peters and Marylin Charlnoes for breach of contract and fraud. Peters and Charlnoes maintained a checking account with Chino through their small construction business, Faux Themes Inc. (\"Faux\"). In March of last year, Peters entered into a business arrangement with a man he met on the internet, whereby the man would send Peters checks to deposit into Faux's account with Chino and Peters would then wire the funds to a bank account in Hong Kong. Peters would retain a fifteen percent fee for this service.\nOverall, Peters wired just under half a million dollars to Hong Kong, but the checks he deposited with Chino were ultimately dishonored as forgeries. Chino then brought an action against Peters and Charlnoes to recover the funds overdrafted from Faux's account, seeking to attach property of Peters and Charlnoes under a common law contract theory. The trial court found in Chino's favor, placing the burden of proving any negligence by Chino in accepting the altered checks or wiring the funds on Peters and Charlnoes.\nPeters and Charlnoes appealed the trial court's ruling, arguing that Chino should have been required to prove it was free from negligence under the traditional principles of California common law that govern contracts. The Appellate Court rejected the appeal, explaining that California's enactment of the UCC preempted any inconsistent common law principles. It then discussed Chino's potential liability under the relevant UCC provisions for (1) accepting the altered checks; and (2) wiring the funds as directed by Peters.\nConcerning Chino's acceptance of the altered checks, the Appellate Court looked to the UCC's chargeback provisions to determine that Chino could, in fact, be liable for charging the amounts of the dishonored checks back to Faux's account if it failed to exercise ordinary care in accepting the altered checks. However, the Appellate Court found that Chino presented uncontradicted evidence that it used ordinary care, and that Chino was therefore entitled to charge the funds back to Faux's account. Specifically, the Appellate Court relied on evidence that Chino's employees (1) looked for irregularities on the face of the altered checks without finding any; and (2) considered whether the amounts of the checks were consistent with deposits to other companies owned and operated by Peters at the same address as Faux.\nConcerning Chino's wiring of the funds as directed by Peters, the Appellate Court looked to Article 4A governing funds transfers. Noting that Article 4A specifically limits the liability of banks in connection with the transfer of funds to that created under its express provisions, the Appellate Court held that negligence is not an element of the article's general obligation of good faith, and nothing in the current version of Article 4A would otherwise create liability for a bank negligently accepting a duly authorized wire transfer.\nRalph T. Wutscher\nKahrl Wutscher LLP\nThe Loop Center Building\n105 W. Madison Street, Suite 2100\nChicago, Illinois 60602\nDirect: (312) 551-9320\nFax: (866) 581-9302\nMobile: (312) 493-0874\nNOTICE: We do not send unsolicited emails. If you received this email in error, or if you wish to be removed from our update distribution list, please simply reply to this email and state your intention. Thank you.\nOur updates are available on the internet, in searchable format, at: http://updates.kw-llp.com", "domain": "finance"}
{"url": "https://maksi.feb.undip.ac.id/en/history/", "date": "2023-06-04T01:16:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649348.41/warc/CC-MAIN-20230603233121-20230604023121-00705.warc.gz", "language_score": 0.9420860409736633, "token_count": 236, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__44452117", "lang": "en", "text": "The Master of Accounting Program/Master of Accounting Program (MAP), Faculty of Economics and Business (FEB) at UNDIP is a postgraduate program established based on a decree from the Directorate of Higher Education, Ministry of Education and Culture Number 135/ Perguruan Tinggi / KEP / 1999 dated on 14th April 1999. The MAP has been accredited ‘A’ by the National Accreditation Agency for Higher Education (BAN-PT) of the Republic of Indonesia since 2005. The study program has also been internationally accredited by the Alliance on Business Education and Scholarship for Tomorrow, A-21st Century Organization (ABEST21) since 2015 until now. The curriculum of MAP is designed to emphasize mastery of accounting concepts and practices, both in the public and in the private sectors to achieve COMPLETE (Communicator, Professional, Leader, Thinker, Entrepreneur, Educator) qualifications and competencies in accordance with Indonesian National Qualifications Framework (KKNI) and international standards. Three majors offered, are corporate accounting, government accounting and forensic accounting. MAP has defined three profiles of its graduates that are accounting academics, accounting researchers, and accounting professionals.", "domain": "finance"}
{"url": "http://www.veteransbusinesscouncil.org/news-events/rrvbc-awards-luncheon/", "date": "2013-05-23T00:00:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368702525329/warc/CC-MAIN-20130516110845-00072-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9214757680892944, "token_count": 227, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__6605968", "lang": "en", "text": "The RRVBC Awards Luncheon is at 12:00 noon on November 14, 2012. The Rochester Regional Veterans Business Council (RRVBC) would like to recognize businesses, educational institutions, and service organizations which provide exceptional support to the veteran community. Winners of these awards will be honored at the RRVBC Awards Luncheon on 11/14/12 at the Rochester Plaza Hotel.\nPlease note, after completing the registration form below you will be taken off-site to complete the purchase via PayPal. You do not need to create a PayPal account in order to complete the transaction, and if you have a PayPal account, you do not need to log in to complete the purchase. Most standard forms of payment will be accepted upon completing this form and submitting it to PayPal. If you have any questions at all about the registration process, please contact the Secretary prior to entering any information.REFUND POLICY. Due to planning and contract commitments, NO REFUNDS can be made after November 7th. Any requested refunds/cancellations must be made via email to the Secretary. Thank you for your understanding.", "domain": "finance"}
{"url": "http://new.peoplepeople.org/financials/", "date": "2013-05-18T16:47:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368696382560/warc/CC-MAIN-20130516092622-00053-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.8956560492515564, "token_count": 134, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__55930693", "lang": "en", "text": "As a registered 501(c)(3) nonprofit organization, People to People believes in the highest degree of accountability and transparency. We keep thorough legal and financial records in strict accordance with federal and state laws governing charitable organizations. P2P utilizes its own rigorous project accounting and evaluation procedures for each and every project undertaken. For more information, you can view our organization profile and key data on GuideStar.org by clicking HERE. Our federal tax ID# is 61-1346918.\nYou can also view and download our Form 990 tax return for each fiscal year here:\n- 2011 Form 990\n- 2010 Form 990\n- 2009 Form 990", "domain": "finance"}
{"url": "https://mondieu.cz/loyalty-card/", "date": "2020-01-27T03:36:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579251694176.67/warc/CC-MAIN-20200127020458-20200127050458-00477.warc.gz", "language_score": 0.9362747669219971, "token_count": 159, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__72113314", "lang": "en", "text": "We in Mondieu have a Mondieu Loyalty Card ready for all the loyal guests. Based on this card you will get a reward everytime you visit Mondieu. Become a member and get 10% discount in form of a credit which you can recharge with every purchase. As a bonus, you will be given initial 200 CZK credit. You just need to fill in the form and we will take care of the rest. We will make your Loyalty Card ready and will inform you on when you can collect it.\nHow to use the Mondieu Loyalty Card?\nUpon payment you will present the Loyalty Card and our staff will recharge your credit by 10% of the price stated on the bill. Once you collect enough credit, you can use the card for payments.", "domain": "finance"}
{"url": "https://retegy.com/blog/debt-management-strategies/", "date": "2023-09-25T20:16:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510085.26/warc/CC-MAIN-20230925183615-20230925213615-00383.warc.gz", "language_score": 0.9557624459266663, "token_count": 2891, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__202058000", "lang": "en", "text": "Managing Debt: Effective Strategies\nVladimir Kouznetsov, EA, CFP®\nJuly 25, 2023\nPractical Strategies and Approaches for Effective Debt Management\nBeing in debt can feel like having a gigantic rock tied to your ankle. It is hard to move forward, and the constant worry and stress associated with it can be overwhelming. In this article, we'll explore several debt management strategies, comparing their benefits and drawbacks, and discuss how a Certified Financial Planner (CFP®) can guide you through your unique financial landscape towards a more secure future.\nThe Importance of Dealing with Debt\nOne of the fundamental aspects of financial health is the effective management of debt. Unchecked, debt can spiral out of control, leading to increased interest payments, poor credit scores, and severe financial hardship. Therefore, dealing with debt promptly is crucial. It not only reduces financial stress but also frees up money that can be directed toward savings and investments.\nDebt Management Strategies\nLet's look at five common strategies for managing debt: Debt Snowball, Debt Avalanche, Debt Consolidation, Balance Transfer, and Debt Management Plan.\n“Debt Snowball” Strategy\nThe “debt snowball” method involves paying off debts, starting from the smallest balance and working up to the largest. This strategy can provide psychological motivation, as the debtor sees immediate results as smaller debts are paid off quickly.\nThis debt reduction method was popularized by personal finance expert Dave Ramsey. Here's how it works:\nList your debts from smallest to largest: Irrespective of the interest rate, list all your debts in ascending order based on the outstanding balance.\nMake minimum payments on all your debts except the smallest: Allocate as much money as you can towards the smallest debt while maintaining the minimum payments on your other debts.\nFocus on the smallest debt: By concentrating on the smallest debt first, you're likely to pay it off quicker, which gives you a psychological win and builds momentum.\nRoll over the payments to the next smallest debt: Once the smallest debt is paid off, take the money you were putting towards that debt and now apply it to the next smallest debt on your list. Over time, these payments will 'snowball,' allowing you to pay off larger debts faster.\nRepeat until all debts are paid off: Continue this method, progressively eliminating each debt. As each debt is paid off, the freed-up payment amount should then be applied to the next debt on the list, accelerating the paydown process.\nThe power of the debt snowball method lies in its psychological effect. By focusing on the smallest debts first, individuals can experience quick wins, which can increase motivation to continue paying down debt. However, it's worth noting that this method might not always be the most cost-efficient approach, as it doesn't take into account the interest rates of the debts. Another popular strategy that does consider interest rates is the 'debt avalanche' method, which prioritizes paying off the debt with the highest interest rate first.\n“Debt Avalanche” Strategy\nThe “debt avalanche” method focuses on paying off the debt with the highest interest rate first, regardless of its size. Over time, this method saves you more in interest payments than the snowball method, but it might take longer to feel the satisfaction of completely paying off your debts. Here is how it works:\nList your debts from highest to lowest interest rate: Unlike the debt snowball method, the debt avalanche strategy focuses first on the debt with the highest interest rate, not the smallest balance.\nMake minimum payments on all your debts: Similar to the debt snowball strategy, make the minimum payments on all your debts each month to avoid late fees and potential damage to your credit score.\nPay extra towards the debt with the highest interest rate: Any extra money you have for debt repayment should go towards the debt with the highest interest rate. By doing this, you're minimizing the amount of interest you'll pay over time.\nRoll over payments to the debt with the next highest interest rate: Once the highest-interest debt is paid off, take what you were paying on that debt and apply it to the debt with the next highest interest rate.\nRepeat until all debts are paid off: Continue this method, progressively eliminating each debt. The process speeds up over time as you roll over payments to debts with lower and lower interest rates, giving it an \"avalanche\" effect.\nThe advantage of the debt avalanche method is that it minimizes the amount of interest you'll pay over time. However, it may take longer to pay off your first debt compared to the debt snowball method, as the debt with the highest interest rate may also be one of the larger debts. This could potentially make the process feel slower and require more discipline, but it can save you more money in the long run.\nThis involves combining all your debts into a single loan, typically with a lower interest rate. This strategy simplifies the payment process and can potentially save you money over time. However, it requires good credit for the best rates and can be risky if you use home equity, for example, as you could lose your home if you default. Here's a brief outline of how it works:\nObtain a debt consolidation loan: To start, you'll need to secure a loan that's large enough to cover the total amount of the debts you want to consolidate. The loan could come from various sources, including personal loans, home equity loans, or balance transfer credit cards.\nPay off existing debts: Once you've secured the loan, you'll use the funds to pay off the existing debts. This could be a mix of different types of debt, such as credit cards, student loans, or other personal loans.\nRepay the consolidation loan: After the individual debts have been paid off, you're left with the single consolidation loan. You'll need to make regular payments on this loan until it's fully repaid.\nThe primary goal of debt consolidation is to simplify debt repayment. Instead of having to manage multiple payments each month, you only need to worry about one. Moreover, if the interest rate on your consolidation loan is lower than the average interest rate on your original debts, you can save money in the long run.\nHowever, it's important to remember that debt consolidation doesn't reduce the total amount you owe—it just restructures it. You'll still need to make regular payments on the consolidation loan, and if the loan is secured against your property, like in the case of a home equity loan, failing to do so could put your home at risk. Always be sure to fully understand the terms of a consolidation loan and ensure that the payments are within your budget.\nAs with any financial decision, it's usually a good idea to talk with a financial advisor before pursuing debt consolidation. They can help you understand the potential risks and benefits and decide if it's the right strategy for your situation.\nA balance transfer involves shifting your debt to a new credit card with a lower interest rate, often 0%, for an introductory period. This method can save you money if you can pay off the debt within the promotional period but be aware of the high interest that follows. It is commonly used for high-interest credit card debt. Here's a brief overview of how it works:\nOpen a New Credit Card with a Balance Transfer Offer: First, you need to find a credit card offering a balance transfer deal, often with a low or even 0% introductory interest rate. These promotional rates typically last for a specific period, usually between 6 to 18 months, after which a higher rate will apply.\nTransfer Your Debt: Next, you'll transfer the balances from your high-interest credit cards to the new card. There's usually a fee involved in this process, typically between 3% to 5% of the total transfer amount.\nPay Off the Transferred Balance: Now that your debt is on the new card, your goal should be to pay it off as much as possible, if not entirely, during the low-interest promotional period. The advantage of this method is that more of your payment goes towards the principal balance rather than interest, allowing you to pay down the debt faster.\nBalance transfers can be an effective way to reduce high-interest debt, but there are some potential pitfalls to be aware of. First, after the promotional period ends, the interest rate on the card can increase significantly, so it's important to pay off the balance before that happens.\nSecond, balance transfers usually come with fees, which could negate some of the savings from the lower interest rate. Additionally, applying for a new credit card can have a temporary negative effect on your credit score.\nLastly, this strategy requires discipline. If you continue to rack up debt on your old cards after transferring the balance, you'll find yourself in an even deeper hole.\nAs with any debt reduction strategy, it's essential to consider your personal financial situation and habits before proceeding with a balance transfer. If used wisely, it can be a valuable tool for managing and reducing debt.\nDebt Management Plan\nA Debt Management Plan (DMP) is a formal agreement between you and your creditors to repay your debts over a specified period. It can help reduce monthly payments and interest rates, but it can also negatively impact your credit score.\nHere's how it works:\nConsultation with a Credit Counselor: First, you'll meet with a credit counselor to review your entire financial situation. They'll help you create a budget that factors in all your income, expenses, and debts.\nCreation of the Debt Management Plan: If a DMP seems like a viable strategy for you, the counselor will help you devise a repayment plan based on your budget. This plan will include a schedule for paying back all your unsecured debts (like credit cards or personal loans), usually within three to five years.\nNegotiation with Creditors: Next, the credit counseling agency will reach out to your creditors and negotiate more favorable terms on your behalf. This can often result in lower interest rates, waived fees, and lower monthly payments. Note that some creditors may even freeze additional credit until your debts are paid off under the DMP.\nRegular Payments: Once the plan is in place, you'll start making regular payments to the credit counseling agency, which will distribute these payments among your creditors. You'll have to ensure your payments are timely and in full, or you could lose the benefits negotiated by the agency.\nCompletion of the Plan: Finally, once all the debts in the DMP are paid off, you will have completed the plan.\nA DMP can be an effective way to get out of debt, but it does require discipline and commitment, as you'll need to stick to a strict budget for several years. Also, a DMP is designed to pay off unsecured debts and won't include secured debts like mortgages or auto loans.\nIt's also worth noting that while a DMP can help you manage your debts and could potentially lower your interest rates, it's not a quick fix, and it doesn't reduce the total amount you owe. Additionally, while being on a DMP, your creditors may restrict you from opening new lines of credit.\nBefore entering into a DMP, make sure to find a reputable credit counseling agency, ideally one that's a nonprofit, and always understand the terms and potential consequences of the plan.\nEach of these strategies has its pros and cons, and the best one for you depends on your specific financial situation and personal preferences.\nThe Role of Certified Financial Planner (CFP®)\nWorking with a Certified Financial Planner (CFP®) professional can be an invaluable asset in your journey to becoming debt-free. A CFP® is a professional who is trained and certified to help individuals manage their financial affairs. They provide a customized approach to debt management, taking into consideration your income, expenditure, assets, liabilities, and personal goals.\nA CFP® can guide you through the maze of debt management strategies, helping you choose the one that best fits your situation. They will assist you in creating a budget and financial plan that not only helps you get out of debt but also sets you on a path to financial security.\nFurthermore, a CFP® can offer you comprehensive financial advice beyond debt management. This may include investing for retirement, tax planning, estate planning, and insurance considerations.\nManaging debt is a crucial step toward financial freedom. While there are several debt management strategies available, each has its benefits and drawbacks. A CFP® can provide valuable insights and guidance tailored to your specific needs, helping you navigate your financial journey. By combining an effective debt management strategy with a comprehensive financial plan, you can turn the tide on your debt, build wealth, and secure a financially stable future.\nThis information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.\nUnderstanding the Ins and Outs of Workplace 401(k) Plans\nLatest articles from the \"Financial Planning\" category.\nTop Financial Mistakes to Avoid\nTop financial mistakes to avoid, empowering you to take control of your money and pave the way toward financial prosperity\nVladimir Kouznetsov, EA, CFP®\nJul 14, 2023\nEnd-of-the-Year Money Moves. 2022 Edition\nHere are some things you might consider before saying goodbye to the outgoing year\nNov 23, 2022", "domain": "finance"}
{"url": "http://www.queenglad.com/", "date": "2017-02-23T20:36:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501171232.43/warc/CC-MAIN-20170219104611-00042-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.9032571911811829, "token_count": 138, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__260134239", "lang": "en", "text": "When you discover our selection of jewellery, power tools, musical instruments and electronics, you’ll be glad you stopped by Queenglad! Since 1996, Queenglad Pawnbrokers has been downtown Toronto’s jewellery buyer and used merchandise retailer of choice.\nFast Cash Loans – No Limits!\nAt Queenglad Pawnbrokers, we give credit to where credit is due. That’s why we have zero lending limits on instant cash loans. And Queenglad makes it easy to pay back your loan, with some of the lowest interest rates in the GTA.\nQueenglad Pawnbrokers proudly serves the downtown Toronto area.", "domain": "finance"}
{"url": "https://www.studentaffairs.com/jobs/job-listing.aspx?jobid=27887", "date": "2019-12-08T13:32:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540510336.29/warc/CC-MAIN-20191208122818-20191208150818-00389.warc.gz", "language_score": 0.8953454494476318, "token_count": 448, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__85865465", "lang": "en", "text": "Massachusetts Institute of TechnologyCambridge, MA United States\nDIRECTOR OF STUDENT FINANCIAL COUNSELING, Student Financial Services (SFS), to oversee the twelve-member SFS counseling team. Will provide guidance, mentorship, and direction to staff; advise on the annual financial aid application and awarding cycle; provide oversight and strategic direction to the customer service team; and guide the development and communication of a financial wellness curriculum for students. Will be expected to create a strong, integrated service--including the financial aid, customer service (financial aid and student accounts), and financial education functions--that ensures access and affordability for MIT students and their families; and work in close collaboration with the director of Student Financial Operations and director of Student Financial Services to ensure a seamless workflow and staff engagement. Will report to the director of SFS.\nREQUIRED: bachelor's degree; at least eight years of progressive student financial services experience at a higher education institution; proven experience supervising a diverse and talented staff; an interest in and proficiency at mastering new information systems; proven history of working collaboratively in a highly matrixed management environment; ability to take full ownership for driving projects, manage resources efficiently, effectively delegate, and prioritize; commitment to serving a diverse customer base, continuous process improvement, and ensuring access and affordability for MIT students and families; and excellent collaboration, communication, and presentation skills. Seek someone who exhibits a strong bias for action and is able to analyze and interpret complex and multifaceted situations. High-level knowledge of financial aid file review, eligibility determination and/or student account payments, and student financial services-related systems (e.g., PowerFAIDS, Banner, TouchNet) preferred. Job #18304-11\n- Start Date: No Start Date\n- Education: Bachelor's Degree Required\n- Work Experience: 8 - 10 years\n- Part/Full Time: Part-Time\nContact / Additional Information\nPlease apply on-line with your letter and resume at - https://careers.mit.edu/\nreferencing Search Job #18304-11\nIf you have your resume registered on StudentAffairs.com you can apply for this position online.", "domain": "finance"}
{"url": "https://homefed24.com/checking/", "date": "2024-04-18T13:49:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817206.54/warc/CC-MAIN-20240418124808-20240418154808-00193.warc.gz", "language_score": 0.9266242384910583, "token_count": 545, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__88940054", "lang": "en", "text": "You can now reorder your checks online. Please click the submit button below. You will be redirected to Harland Clarke website where you will be able to reorder your checks.\nNow you can verify that deposits and checks have cleared, confirm balances and transfer between your Home Federal accounts, online, 24/7.\nIf you are a Home Federal customer, sign up here for this free service.\nMoney Market Accounts\nEarn interest on your savings while still having your money available for withdrawal whenever you need it. Money market rates are set weekly and guaranteed for one month from the day you open your account. Please ask about current rates.\nThis account has no fees or service charges of any kind. Deposit or withdraw money anytime, without penalty, and write up to six checks on the account per monthly statement cycle.\nWould you rather not pay for checking?\nOur Totally Free Checking Account lets you do just that. It's totally free. You pay no monthly service charge and no per-check charge. Write as many checks as you want. It won't cost you a penny.\nEven better, you are not required to maintain a minimum balance. Keep as much or as little money in your account as you want.\nAre you 50 or older?\nGolden Eagle Checking is our special offer to customers age 50 or older. Open your account with $100 or more, and you'll have no minimum balance requirement, never any monthly service charges, and free Golden Eagle checks. We keep images of all your cancelled checks.\nNeed a checking account for your business?\nWe are now providing business checking accounts to Collinsville-area companies. Let us know your needs and we'll get you set up right away.\nWould you like an easy way to get cash anytime?\nOur check card lets you make cash withdrawals without a fee at our ATM and many other locations. In an effort to provide you with more access points to your accounts via your Home Federal Savings & Loan ATM/Debit Card, we have joined the Allpoint Network. The Allpoint network has over 55,000 ATM's that you can use nationwide at NO CHARGE! Click here for more information.\nWould you like an easy way to pay?\nYour Home Federal Check Card also lets you make purchases anywhere you see the MasterCard ™ logo – at more than 19 million merchants worldwide.\n- Direct deposit of Social Security checks\n- Postage-paid, save-by-mail service\n- 24-hour night depository\n- Drive-up banking\n- Automatic loan payments\n- Safe deposit boxes to store valuables and important papers", "domain": "finance"}
{"url": "https://www.marginalgains.uk/services/merchant-services/", "date": "2020-02-22T07:21:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875145654.0/warc/CC-MAIN-20200222054424-20200222084424-00046.warc.gz", "language_score": 0.9623709321022034, "token_count": 141, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__102091357", "lang": "en", "text": "Are you considering switching your merchant services provider but not sure where to start?\nShopping around is worthwhile but understanding which payment provider will best meet the needs of your business can be a daunting, complex and lengthy process. We will review your current merchant package and offer a viable alternative.\nOur merchant switching service has saved our customers over £100,000 collectively in transaction fees, and our special relationships with providers means we have access to exclusive tariffs and the lowest rates on the market.\nWe also take into consideration all of the associated benefits that come with our merchant providers, including customer service, innovative features and online integrations, as well as contract lengths and other considerations that are important to your business.", "domain": "finance"}
{"url": "https://widgets.lendingtree.com/widgets/todaysrates/lightgray300?showFrame=false", "date": "2018-12-12T20:49:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376824119.26/warc/CC-MAIN-20181212203335-20181212224835-00377.warc.gz", "language_score": 0.9623190760612488, "token_count": 181, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__144234276", "lang": "en", "text": "This Interest rate tool, which is updated daily, shows a comparison of rates and APRs available from a sample of our lenders on the LendingTree Network. Rates displayed are reflective of the lowest rates and corresponding APRs from the sample lenders' pricing sheets for our network lenders. Rates shown reflect the payment of one discount point for the following consumer segment: 720+ FICO, $220,000 loan amount, LTV <=80%, SFD, Primary Home. The displayed rates were reported for the time period shown and are not intended to reflect rates that are currently available. LendingTree, LLC. is not a lender. All credit decisions will vary based upon your loan request and credit profile and are determined independently by each lender with whom you are matched. Rates and terms offered will vary based on the lenders with whom you are matched and are subject to change based on fluctuations in interest rate markets.", "domain": "finance"}
{"url": "https://www.milestonefinancialplanning.com/blog/supercharging-your-retirement-savings/", "date": "2018-05-25T18:22:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794867173.31/warc/CC-MAIN-20180525180646-20180525200646-00543.warc.gz", "language_score": 0.9495927691459656, "token_count": 234, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__35796542", "lang": "en", "text": "As of late 2014, you can now (sometimes double) your retirement contributions and, best of all, roll the increase to your Roth IRA when you leave employment.\nYour employer’s plan and your cash flow has to allow for this, but here is how it works: Your “regular” 401k contributions can be as much as $18,000 ($24,000 if you are over age 50). Your employer may or may not match part of that contribution. The total you are allowed to contribute is $53,000 ($59,000 if over age 50), so the difference between that limit and your prior employer & employee contributions can be contributed to your retirement account on an after-tax basis (no tax deduction). However, when you leave, you can roll that entire amount of after-tax contributions to your Roth IRA. This is vastly better than the current $5,500 limit on annual Roth contributions (none if your AGI is over about $132K single, $194K married filing joint).\nRetirement and tax rules can be complicated, so please contact us if you would like to hear further about this opportunity.", "domain": "finance"}
{"url": "https://franklin.capetigers.com/o/foundation/article/1171445", "date": "2023-12-06T14:10:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00080.warc.gz", "language_score": 0.9536585211753845, "token_count": 155, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__265399517", "lang": "en", "text": "The CGPS Foundation recently submitted and received the Community Foundation of the Ozarks Endowment Challenge Matching Grant. One of only 10 in Missouri, this grant will award the Foundation with $10,000 upon our efforts to raise $15,000 between July 15 and August 15, 2023. We are excited about our partnership with the CFO and the opportunities this grant provides our community and students. We are asking our dedicated donors to consider contributing during this time frame as their contributions will be enhanced. This grant award will ensure growth and sustainability for the endowed fund which helps the Cape Girardeau Community and our public school students. Executive Director Amy McDonald asks donors to reach out with any questions at 573-651-0555 or firstname.lastname@example.org.", "domain": "finance"}
{"url": "https://www.euro-locks.pl/news/Wprost-Eagle-Award-for-Malow", "date": "2020-05-29T21:57:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347406785.66/warc/CC-MAIN-20200529214634-20200530004634-00365.warc.gz", "language_score": 0.9706743955612183, "token_count": 137, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__72086709", "lang": "en", "text": "„Wprost” Eagle Award for Malow Sp. z o.o.\n27 kwi 2018\nWe are pleased to announce that the „Wprost” Eagle* award was awarded to Malow Sp. z o.o. – a leading producer of metal furniture and a Euro-Locks business partner.\nThe Eagle statue was received by the Chairman of the Executive Board, Mr. Henryk Owsiejew, during the Award Gala held on 6th April in Suwałki.\n*„Wprost” Eagles are awarded to companies that held the best financial results in the region during the last 3 years.", "domain": "finance"}
{"url": "https://www.tifn.nl/tips-on-how-to-develop-a-crypto-casino-16/", "date": "2024-04-14T17:22:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00157.warc.gz", "language_score": 0.9458812475204468, "token_count": 3619, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__6311513", "lang": "en", "text": "Regular gamers can enter tournaments to increase their winnings, but additionally recoup their losses due to the weekly cashback supplied each Monday. The customer help group is on the market 24/7 that will assist you with any concern you might have. The range of cryptocurrencies accepted by the on line casino can additionally be impressive. There’s a cause why 0x.bet has rapidly become one of the popular casinos out there, and we’d positively recommend it to each skilled casino gamers and newbies. You have lots of of JustBit slots to choose from, together with many well-liked slot games, thanks to its collaboration with dozens of industry-leading software companies. You can even rely on SSL encryption to make sure the security of your private and monetary information, and RNG to make the games truthful. SpotGaming accepts deposits and withdrawals through fiat currencies, as properly as Ethereum, Tether, Litecoin, and Bitcoin.\nFortune Jack is likely considered one of the most popular Bitcoin casinos on the planet due to the huge range of on line casino video games and the mixing of blockchain technology. Founded in 2014, this on line casino can also be one of the oldest in the trade and among the many first casinos that ever accepted cryptocurrencies as a payment possibility. Generally, Fortune Jack is a perfect on line casino utility for many who are looking for provably honest games, reside casinos and sports activities betting. The crypto on line casino has a comprehensive game assortment with all basic categories.\nThe welcome bonus package consists of bonuses for the first four deposits. With the primary deposit you get a 100% bonus up to 1BTC, whereas the second deposit presents 50% as a lot as 1BTC. The third time you make a deposit, the on line casino will shock you with a one hundred pc match as much as 2BTC, and the 4th deposit is 50% up to 3BTC in whole.\nIf you’re on the lookout for fast withdrawals, we suggest sticking to Bitcoin, as card payments and financial institution transfers can take anywhere from 3 to 5 days to complete. This Bitcoin casino provides competitive odds on all main sports like NFL, NBA, boxing, and UFC. It also runs an action-packed horse racing part that features day by day UK and worldwide races. Users can choose from Bitcoin, Bitcoin Cash, Ethereum, Tether, Dogecoin, and Litecoin. The sign-up course of forgoes KYC verification with gamers needing only an e-mail and password to login and only $1 deposit wanted to begin taking half in. BitStarz dedicated an entire web page to point out each player how they can show that every sport they offer is fair. One of the benefits of Bitcoin and cryptocurrencies is that each one transactions are everlasting, with none third party concerned.\nIt’s turn into clear that the utilization of cryptocurrencies will dramatically speed up the speed of transactions referring to on-line playing activities. Anybody who has the good fortune to win a giant jackpot in a crypto casino will only have to attend a couple of minutes earlier than they can get all the method down to the important business of spending it.\nNow, over a decade later, many various cryptocurrencies can be utilized for gambling, and tons of of various crypto casinos have launched to fill this large new demand. Crypto casinos differ from conventional casinos when it comes to use of cryptocurrencies for deposits nd withdrawals. Internet casinos that offer customers a way to gamble using cryptocurrencies are booming, sidestepping rules while operating and promoting with near impunity. Dozens of net sites operating exterior the us now provide a way to rapidly start gambling, many with few checks on users’ backgrounds.\nCredit card firms and banks must confirm your identity with each cost. Because blockchain know-how handles verification, payments are processed faster – nearly instantaneously. Once you have fulfilled the phrases and have winnings, go to the cashier web page to make a withdrawal. Select your withdrawal technique, input how much money you want to acquire, and confirm the cashout.\nFortunately, today there are enough crypto-bookmakers offering their providers at more than enough level to fulfill the demand of the viewers. You can place hundreds of bets on any possible sporting event on any given day and play tons of of casino games from a broad range of respected on line casino suppliers.\nWhen it simply started, it was a threat to buy bitcoin and those taking the chance are those benefiting from it now. Crypto has been possible truthful income from it going up and down out there, and the best about it all – is that you are able to do it fully anonymously.\nAdditionally, BTC casinos also offer gamblers various forms of bonuses and rewards, including Tournaments , Free Spins, Exclusive cashback, and Bonus Codes. Bitcoin, the first cryptocurrency of its sort, was invented by Satoshi Nakamoto in 2009.\nThis is the place we integrate the knowledge collected during the initial stages, create the product logic and animate the consumer interface. It is the important source of data and ideas that make sense of a world in fixed transformation. The WIRED dialog illuminates how technology is altering every aspect of our lives—from tradition to enterprise, science to design. The breakthroughs and improvements that we uncover result in new methods of pondering, new connections, and new industries. Elon Musk’s platform could also be hell, however it’s also the place large amounts of reputational and social wealth are invested.\nFor this reason, you should choose a on line casino that makes use of Provably Fair algorithms. This algorithm permits players to vet and confirm the randomness independently, hence the authenticity of each end result. At a Bitcoin Roulette table, you’ll place wagers in items of BTC – a profitable guess on Red or Black can see you double up your Bitcoin holdings. As talked about, Cloudbet has a igamingbonus promotion for people who want to fund their account with Bitcoin. That stated, it also has a welcome promotion if you resolve to use one other payment possibility – this features a welcome bonus of up to 5 BTC/BCH/ETH/PAXG or one thousand USDT/USDC/DAI.\nThey have virtually 200 of them out there, including jackpot slots that payout into the lots of of hundreds. Suffice to say, if slots are your factor, Slots.LV should be prime of your listing of Bitcoin casinos to go to.\nIf you have to get in contact with somebody who may help, the qualified brokers at Red Dog Casino are on-call 24/7. Players can attain out using their live chat feature, dedicated telephone line, or e-mail assist address. However, you won’t be in a position to cash out lower than $150 or more than $2,500 per transaction till you’ve collected loyalty factors with their casino.\nIt’s safe to say that we’ve up the ante as far as on-line on line casino motion is anxious. There are two types of craps games provided by crypto gambling USA platform, one which embody craps and Street craps. At cryptocurrency craps, the gamers wager their crypto funds of their most popular cost methods against the playing website. In contrast, at Street craps, the players compete in opposition to each other with their wagers. Several online crypto gambling sites across many international locations permit the gamers to gamble at lottery games on a number of numbers of the lottery ticket to rake in additional wins.\nThere are pure crypto casinos that solely settle for payments made with cryptocurrencies. There aren’t any options to make use of Interac or to pay with Canadian dollars through e-wallets. Casinos that settle for crypto – on-line casinos that accept crypto along with more conventional cost methods.\nAnd more to it, players get perks of various sizes and type for as many as the primary four deposits. In addition to the massive welcome pack, there are likewise all sorts of promos including regular Table Wars, Level Up Adventure, and Cash Drops. In common, there are not any specific laws regulating bitcoin casinos within the United States and North American territories. Always check your local state legal guidelines to totally understand any restrictions imposed on bitcoin at on-line casinos, inside the USA, and in your home State. Bitcoin is undoubtedly the future of the online on line casino sector and we’re solely just starting to see actual benefits from utilizing this digital foreign money.\nHowever, regardless of such a fantastic game variety, the geo-restriction of reside vendor games marred its glorious score. Hence, if you’re from the US and aspire to hitch reside casino video games, you’ll have to search elsewhere. Don’t be dissatisfied that this bitcoin playing site doesn’t present up with any welcome bonuses, which, in reality, are not that profitable in the long term.\nGiven the prevalence and speed of Ethereum transactions, it’s out there in almost all crypto casinos with instant payout. The US government is aware of the existence of cryptocurrency, and they are slowly however absolutely taking steps in the direction of the formation of the necessary legislative framework around it. Nevertheless, it is secure to say that in 2020, cryptocurrency is not formally banned within the United States. This state of affairs opens the door for crypto casinos to a huge solvent market, where they’ll appeal to hundreds of recent gamers.\nImportant for casino operators, Curaçao levies no tax on gross gaming revenue – in contrast to different main countries where taxes on gaming income can go as excessive as 35%. We have over fifteen years of expertise in each aspect of company services, and have been preserving our expertise consistent with the expansion of crypto.\nIn the US and most western countries, you have to use it to make funds and is subjected to taxes identical to standard money. That, nonetheless, does not qualify it as a authorized tender just like the USD, AUD, Euro, Pound, or any other forex. The two parties transacting should mutually agree to make use of it as a form of cost.\nEach time a player places a wager at a cryptocurrency on line casino, no information is revealed to outsiders. Additionally, the collective public notion of cryptocurrency casinos has come a good distance in latest times – and rightly so. Cryptocurrency playing is experiencing widespread adoption and extra customers are wishing to make use of it for his or her online gaming actions. Some sites supply Bitcoin Gambling while others already offer deposits and withdrawals in varied cryptocurrencies and this is one thing that can proceed into 2021.\nUsers could make swift deposits using a big selection of cryptocurrencies, including Bitcoin, Ethereum, Dogecoin, and others. There is no minimum deposit on this website; however, buyers must deposit a minimum of 0.002 Bitcoins to qualify for the deposit bonus. This will end in a 110% first deposit bonus calculated to 1.5 BTC or equal of their most popular cryptocurrency.\nCheck your native regulations to see if internet gambling is permitted in your area. We share unbiased and reader-supported reviews; although we are in a position to get commissions for casinos featured in our site guides, that doesn’t impact our rating approach. We usually endorse sites that we feel give one of the best pleasurable gaming experience.\nWhen the competition is this fierce, you can expect us to step up to the plate and ship something big. Gamble at the most effective crypto gambling USA websites and rake in substantial winnings. The crypto gambling websites within the USA are top-rated the world over and even in restricted countries, owing to their regulated gambling environments. Players receive payouts within minutes and gamble on the provably honest video games with out worrying about sport manipulation.\nHe has also been involved in buying and selling cryptocurrencies for over two years. This system allows each player to examine the useful resource for honesty and get reliable data. The presence of this characteristic on the site indicates that the administration has nothing to hide from customers. There are not any poker tournaments where players would compete against each other. What’s even better when playing at the BitSpinCasino is that it has a minimal to zero quantity of down time, and a 100 percent payout rate. Make a deposit utilizing the Deposit button on the top-right corner of the website. Available deposit and cost choices embrace Credit Cards, GPay, Samsung Pay as well as many native payment options we have made available for you.\nThe greatest approach to quickly verify whether a website is safe or reliable is to simply read customer evaluations from numerous locations on the internet. Some grifters could get away with shady enterprise follow for a short while, but word will ultimately spread, and the group will finally prevail. The GBO team shall be happy to assist you to acquire Curacao gaming license in your needs all through our extensive community of banks, cost processors and gaming regulators. GBO is a quantity one Curacao gaming service provider attending in conferences world-wide Basically a gaming license…\nBitStarz additionally features a couple of traditional fee methods like cards and e-wallets, but you won’t be able to use them should you reside in the US. As a model new participant, you could also partake in Table Wars and Slot Wars — two tournaments offering a $10,000 prize pool, and 5,000 free spins + $5,000 for decided players, respectively.\nThis is a primary safety function carried out on many crypto web sites. Essentially, it allows you to connect your telephone quantity or authentication app to your account in order that a hacker would want access to your bodily device to have the ability to get into your account. It’s a widely used safety measure and it’s so important that you just use it the place potential. It depends on your jurisdiction as as to if or not it is legal to gamble online with cryptocurrencies like Bitcoin. In basic, yes, it’s authorized to wager with cryptocurrencies online, but you should always examine together with your local legal guidelines first. Multi-lingual solutions provide ease of entry and allow players to entry platforms within the languages https://77bets.icu/dollars-down-under-slot/ they like and are fluent in.\nAny on-line casino regardless of the fee method in query might be unreliable. So, the reply is that BTC casinos are solely secure if they have a license to operate. The best Bitcoin casinos are so well-liked these days — zero transaction charges, prompt payouts and exclusive games are just a few of their advantages you can’t take pleasure in at traditional online casinos. Since cryptocurrencies are not tied to any particular nation, that additionally means that they’re accepted at on-line casinos all over the world! Whether you’re in Germany, Thailand, India, Canada, Singapore, Slovakia, Latvia or some other nation, you can even make use of cryptocurrencies. Keep in mind that there nonetheless exists the limiting factor of on-line playing regulation.\nChances are, your clients is not going to all be positioned in one nation. Therefore, offering cryptocurrency payments signifies that your international client base can take pleasure in immediate cross-border funds and transactions. The transaction is completed in a matter of seconds and it’s secure, immutable, and private. The smartest thing is that even those and not utilizing a checking account or credit/debit card can send crypto funds making online buying and taking part in accessible for all. While nearly all of on-line on line casino users proceed to cooperate with their favourite golf equipment in a standard format, there are more and more virtual institutions that function on cryptocurrency.\nFast payouts (under-30-minutes kind of fast) are additionally an advantage of Bitcoin casino websites. If you need to get in contact with considered one of BC Game’s certified brokers, you probably can go along with stay chat, e mail, or 3 social media platforms. That said, all of your deposit bonus funds are unlocked incrementally as you continue inserting wagers. BC Game’s on line casino library is jam-packed with 6,000+ basic titles, and there’s a full-fledged sportsbook to explore in between wagers.\nRed Dog Casino is a Curacao-licensed operator that has long earned an excellent status among gamblers worldwide. It can be a fantastic selection when you try for an exceptionally optimized bitcoin mobile casino.\nLike most rivals at present, this bitcoin on line casino presents e-mail and live chat as choices to reach out. Cloudbet buyer support brokers are available around the clock and, regardless of your problem, will all the time be two easy clicks away from fixing it. They state to make sure the shopper service’s efficiency and friendliness. We have encountered a few unfavorable feedback, although, yet all of them have been resolved within 2 days. Blockchain know-how takes crypto casinos and prime bitcoin playing websites to another level.\nBitcoin Casino Welcome Offers are often within the form of match deposits. Bonuses are one of many key tools that casinos use to entice new players to register with them. Some are, admittedly, better than others, but it’s price mentioning that Bitcoin on-line on line casino bonuses are a variety of the greatest you’ll have the ability to claim. Bitcoin casinos additionally usually supply a lot bigger bonuses than their traditional counterparts. Bovada, for example, presents an as a lot as $3,750 bonus for Bitcoin deposits, while traditional payment strategies only receive $3,000.\nYour email address:\nSend post to email address, comma separated for multiple emails.", "domain": "finance"}
{"url": "https://vailsymposium.org/speaker/david-de-jong/", "date": "2023-12-04T23:26:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100535.26/warc/CC-MAIN-20231204214708-20231205004708-00721.warc.gz", "language_score": 0.9651159644126892, "token_count": 124, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__116730795", "lang": "en", "text": "David de Jong is a journalist and author. His first book, “Nazi Billionaires,” is published in the US and the UK by HarperCollins and will be translated in more than twenty languages from English. He spent four years reporting from Berlin while researching and writing this book. De Jong previously covered European banking and finance from Amsterdam and hidden wealth from New York for Bloomberg News. His work has also appeared in the New York Times, the Wall Street Journal, and Bloomberg Businessweek. A native of the Netherlands, he currently lives in Tel Aviv and works as a Middle East correspondent for the Dutch Financial Daily.", "domain": "finance"}
{"url": "https://www.lymetalk.net/lyme-academy-college-of-fine-arts/", "date": "2024-02-27T03:02:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474670.19/warc/CC-MAIN-20240227021813-20240227051813-00599.warc.gz", "language_score": 0.9345095753669739, "token_count": 3966, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__205234260", "lang": "en", "text": "Can You Afford To Attend Lyme Academy College Of Fine Arts\nOnce you have a Net Price estimate, youll want to figure out whether your family can afford to pay Lyme Academy College of Fine Arts tuition and costs. Once again, the Net Price is the total cost of attending, minus the aid you can expect to get . It’s the amount you’d have to cover yourself.\nThe US government has come up with a standardized way to calculate how much a typical family can afford to pay without help. They call this the Expected Family Contribution, or EFC.\nAs an example, a family that brings home $80,000 in income before taxes, with no assets and no other children in college, has an EFC of around $7,000. This is the amount the government thinks that family can reasonably pay, and the school will have to step in and cover the rest.\nColleges use this number as a guideline to decide how much aid to give you, but it’s just a guideline. Some schools will be stingier with aid, and you’ll have to pay more than the government’s suggested EFC.\nSo we’re going to calculate your EFC and compare it to Lyme Academy College of Fine Arts’s Net Price. If the Net Price is higher than the EFC, the school will cost more than you can typically afford. It’s a simple equation:\nNet Price – Expected Family Contribution = Deficit\nWe’ve constructed a simple tool to figure out whether Lyme Academy College of Fine Arts is affordable for you:\nEstimated 4 Year Cost At Published Tuition\nAt the current published rates, an estimated total tuition, fees and living expense price for a 4 year bachelor’s degree at Lyme Academy College of Fine Arts is $171,676 for students graduating in normal time. This methodology for estimating the 4 year cost is a straight multiple of the most recent reported annual total cost and does not factor in tuition increases during the time you’re in school. It also assumes you receive no grant or scholarship aid and pay the full list price.\nA potentially more accurate but less conservative estimate of a degree cost can be made by using the school’s annual $22,997 in-state net price as the basis. Applying this cost over 4 would estimate the cost of a degree at $91,988**\nIf you end up on the “five year plan” and need an additional year to graduate, your five year cost could be as high as $214,595 or $114,985 using an average net price.\n**Based on a 4 year multiple of Average Annual Net Price for students receiving grant or scholarship aid reported to the U.S. Department of Education’s 2019/2020 IPEDS Survey. Financial aid is only available to those who qualify. Consult this school’s net price calculator for further understanding of your potential net price.\nHow Much Debt Is Typical For Students At Lyme Academy College Of Fine Arts\nAside from grants, the other major way to pay for college is with student loans. Student loans arent free sums of money – you borrow a certain amount to attend Lyme Academy College of Fine Arts, and then pay it back with smaller monthly payments after you graduate.\nThe more student loan money you borrow, the more debt youll end up with after graduation. Ideally, you want to minimize your student debt as much as possible. Less debt means less of a financial burden once you leave school.\nIts generally a bad sign if a school has many students taking out a lot of loans. This indicates that graduates have to worry about paying back big sums of money once they leave school.\nTo address the amount and type of debt that students take on, this section will cover:\nLets see what students at Lyme Academy College of Fine Arts have to deal with:\nRead Also: Do Antibiotics Cure Lyme Disease\nData Sources: Irs Forms 990\nThe Form 990 is a document that nonprofit organizations file with the IRS annually. We leverage finance and accountability data from it to form Encompass ratings. .\nImpact & Results\nNot Currently Scored\nLyme Academy of Fine Arts Inc. cannot currently be evaluated by our Impact & Results methodology because either it is eligible, but we have not yet received data we have not yet developed an algorithm to estimate its programmatic impact its programs are not direct services or it is not heavily reliant on contributions from individual donors.\nNote: The absence of a score does not indicate a positive or negative assessment, it only indicates that we have not yet evaluated the organization.\nSpent in most recent FY\nPercent of program expenses\nLYME ACADEMY COLLEGE OF FINE ARTS IS A FOUR-YEAR, NATIONALLY-ACCREDITED COLLEGE OFFERING BACHELOR OF FINE ARTS DEGREES IN DRAWING, ILLUSTRATION, PAINTING, AND SCULPTURE. ITS MISSION IS TO PROVIDE THE … LYME ACADEMY COLLEGE OF FINE ARTS IS A FOUR-YEAR, NATIONALLY-ACCREDITED COLLEGE OFFERING BACHELOR OF FINE ARTS DEGREES IN DRAWING, ILLUSTRATION, PAINTING, AND SCULPTURE. ITS MISSION IS TO PROVIDE THE BEST EDUCATION IN DRAWING, ILLUSTRATION, PAINTING, AND SCULPTURE THROUGH STUDY OF THE HISTORY, TRADITIONS, AND PRINCIPLES OF THE FINE ARTS AND THE LIBERAL ARTS, THEREBY ESTABLISHING A COMPREHENSIVE FOUNDATION FOR THE DEVELOPMENT OF THE ARTIST.\nCulture & Community\nGet The International Student Newsletter\nAbout International Student\nOur vision is to be the company that best recognizes and serves the needs of international students around the world. We strive to provide students world-class resources to help them investigate and pursue an international education, through relevant content, custom online tools and engaging websites that offer only best in class products and services.\nYou May Like: Can Lyme Disease Cause Multiple Sclerosis\nStudent Loans And Debt\nThe second consideration after understanding the cost of college is determining how to finance it. Some students are fortunate enough to have some form of family financial assistance, but student loans end up financing a significant portion of higher education in the U.S. 69% of Lyme Academy College of Fine Arts students receive U.S. Federal Student Loans with an average annual Federal Loan aid amount of $10,398.\nFinally: Is This Price Really Worth It\nChances are, college won’t be cheap. Even if you have a few top choice schools in mind like Lyme Academy College of Fine Arts, it’s still useful to explore broadly.\nA few questions to ponder:\n- How much better off will you be if you attend Lyme Academy College of Fine Arts as opposed to a similar, but cheaper, school?\n- Have you considered a range of private and public schools? Big and small?\n- What if you didn’t attend college at all? (This is extreme, but just worth considering even for a second.\nHere’s our take: college will be a really important stage in your development. Going to a better, more reputable college will usually pay off in the long run. By going to a better college, you’ll be surrounded by a more interesting community, find it easier to land a job, and open up opportunities.\nTo determine the value of Lyme Academy College of Fine Arts, we’re going to rely on reputable ranking lists. These consider factors like reputation, student selectivity, income after graduating, and more to determine the value of a school.\nRead Also: Elisa Test For Lyme Disease\nThings To Do In Richmond Hill\nRichmond Hill is best known as the home of Canadas largest telescope, housed in the citys famed David Dunlap Observatory, opened in 1935. Aside from an evening under the stars, you can take in regular programs, lectures and events. Learn all about astrology and the mysteries of space with your entire family, the observatory features family-friendly programming several times throughout the year.\nBefore observing the celestial, you can step back in time and visit the Richmond Hill Heritage Centre. The museum features a fully restored Regency-style home from the 1840s. Aside from its superb example of regional architecture, the centre also offers a comprehensive display of the areas history. Learn about industries such as lumber, iron, agriculture and distilleries. Enjoy the centres historic home and surrounding park with a cultural afternoon tea.\nRichmond Hill also features an abundance of outdoor opportunities. Youll find popular green spaces like Lake Wilcox home to three recreational parks in the northern part of the city. You can fish, paddle, swim, windsurf or have a leisurely picnic on the shore. Other attractive green spaces include Crosby Park, Oak Ridges Corridor Conservation Reserve and Heron Pond.\nPell Grants And Other Grant Aid\n100% of Lyme Academy College of Fine Arts students received grant aid in 2019/2020. The average total aid amount was $12,308. 38 percent of students received aid in the form of Pell Grants from the U.S. Federal Government. The average Pell Grant awarded for 2019/2020 was $4,250. To apply for a Pell Grant to attend Lyme Academy College of Fine Arts, the first step is to fill out the Free Application for Federal Student Aid .\n|Financial Aid Summary\n|45.5% less expensive\nAlso Check: Are Lyme Disease Tests Accurate\n% Of Students Get Any Aid\nThis is 8% HIGHER than the average for Private not-for-profit schools, which is 92%.\nThis is good news – more students getting financial aid means students at Lyme Academy College of Fine Arts are likely getting a pretty good deal on their education. It could also mean the school skews toward lower income students.\nNext, we’ll look at actual aid amounts and student debt to dig deeper.\n% Get Any School Grants\nThis is 18% HIGHER than the average for Private not-for-profit schools, which is 82%.\nBecause more Lyme Academy College of Fine Arts students get institutional aid, it likely offers relatively competitive financial aid. This means fewer students will need to take out loans to pay for college.\nThe amount of money that students actually get is just as important than the percent of students who get grants. If you receive a grant, youll want it to be big enough to do you some good.\nDon’t Miss: Lyme Disease Symptoms In Toddlers\nAverage Grant Award: $12308\nThis is $4180 LOWER than the average for Private not-for-profit schools, which is $16488.\nAltogether, this is mixed news – at Lyme Academy College of Fine Arts, MORE students get aid, but the ones who do get LESS than average. This may mean that it’s easier for you to qualify for Lyme Academy College of Fine Arts financial aid, but the help you get will be lower than at other schools.\nHow Generous Is Lyme Academy College Of Fine Artss Financial Aid\nThe grant dollar amounts weve seen so far have included aid from all sources – both federal and institutional. Schools dont have much control over how much federal aid students can qualify for , but they do their own financial aid dollars and how theyre used.\nTo figure out how strong Lyme Academy College of Fine Artss own financial aid program is, well look at how they award their own financial aid dollars. The more students receive aid directly from the school , and the bigger the award amounts, the better the financial aid program.\nLets see how generous Lyme Academy College of Fine Arts is with its students:\nDon’t Miss: Foods To Avoid With Lyme Disease\nLyme Academy Of Fine Arts Inc\nOld Lyme CT | IRS ruling year: 1991 | EIN: 06-0942210\nTHE MISSION OF LYME ACADEMY COLLEGE OF FINE ARTS IS TO EDUCATE ASPIRING ARTISTS THROUGH A RIGOROUS STUDIO CURRICULUM ROOTED IN FIGURATIVE AND REPRESENTATIONAL ART. S … THE MISSION OF LYME ACADEMY COLLEGE OF FINE ARTS IS TO EDUCATE ASPIRING ARTISTS THROUGH A RIGOROUS STUDIO CURRICULUM ROOTED IN FIGURATIVE AND REPRESENTATIONAL ART. SEE SCHED O.\nThere was an error checking for CN Advisories. Please try refreshing the page\nWhat Would It Cost You To Attend Lyme Academy College Of Fine Arts\nFinally, we get to the bottom line: what will Lyme Academy College of Fine Arts actually cost YOU? Every family has a different situation, and depending on your income level, you’ll have to pay more or less to go to college.\nWhat is Net Price, and Why Does it Matter?\nAbove, we’ve covered Lyme Academy College of Fine Arts’s Cost of Attendance . We also covered its typical financial aid in grants, loans, and scholarships.\nThe Net Price is the total cost minus the total aid given. In other words, this is the price you have to pay to the school out of pocket. The lower the school’s cost, and the more aid you get, the lower the Net Price.\nWe’ll cover two ways to get your Net Price for Lyme Academy College of Fine Arts – the fast way, and the precise way.\nRead Also: When Do Lyme Disease Symptoms Appear\nLyme Academy College Of Fine Arts Tuition And Financial Aid\nThis guide is designed to answer one question for you: How are you going to afford Lyme Academy College of Fine Arts?\nYou probably know that planning for expenses is an important part of the college application process. What you may not know is how many different things you need to keep track of to pay tuition and apply for financial aid.\nHere’s what we’ll cover:\n- How much does Lyme Academy College of Fine Arts tuition cost?\n- How much financial aid do students at Lyme Academy College of Fine Arts usually get?\n- How much debt is typical for students at Lyme Academy College of Fine Arts?\n- How much will Lyme Academy College of Fine Arts cost YOU, and can you actually afford it?\n- Is Lyme Academy College of Fine Arts a good value for you?\n- What are other schools that might be a better value than Lyme Academy College of Fine Arts?\nSchool location: Old Lyme, CT\nHow Much Does Lyme Academy College Of Fine Arts Cost\nKnowing what a school costs is Step #1 in managing college costs. Theres more to think about than just the tuitionyou also have to factor in where you’ll live, what you’ll eat, and more while attending Lyme Academy College of Fine Arts.\nThe “Cost of Attendance” is the total amount of money the average student has to pay, WITHOUT any financial aid, to attend a particular school. Think of it as a schools sticker price. It includes not just Lyme Academy College of Fine Arts tuition and fees, but also room, board, textbooks, and personal expenses.\nHeres the Cost of Attendance breakdown for Lyme Academy College of Fine Arts:\n- Tuition and Fees $29616$29616\n- Room & Board, Off-Campus$8898\n- Typical Total Cost for Off-Campus StudentsTypical Total Cost for Off-Campus Students $42514 $42514\nExclusive: Want to get into Lyme Academy College of Fine Arts with higher chances?Learn how to improve your SAT score by 160 points.\non the top 5 strategies you must be using to improve your score. This guide was written by Harvard graduates and SAT perfect scorers. If you apply the strategies in this guide, you’ll study smarter and make huge score improvements.\nYou May Like: Late Stage Lyme Disease Recovery\n% Get Any Grant Money\nThis is 11% HIGHER than the average for Private not-for-profit schools, which is 89%.\nAlthough its useful to know how many students get grant aid, its also important to know how much grant aid people tend to receive. The bigger the average grant award, the better.\nSo how much grant money do students at Lyme Academy College of Fine Arts tend to receive?\nEstimated Future Cost And Expected Tuition Increase\nWhat will it cost to send your child to Lyme Academy College of Fine Arts in the future? Nationally, university tuition prices are rising around 5% per year. Looking out five, ten, fifteen or eighteen years, these are CollegeCalc’s estimates how much you could expect to pay for a 4 year degree assuming tuition increases at the national average rate. Estimated future prices are based on the current 4 year cost of $171,676.00. Use the college savings plan calculator below to perform a more comprehensive analysis on future costs and how much you will need to save for Lyme Academy College of Fine Arts.\nCollege Cost Analysis.\n- CollegeCalc is a source for students and parents seeking college pricing data and higher education cost calculation. Learn more.\n- Terms of Service\n- All school data is sourced from the U.S. Department of Education IPEDS Surveys for school years 2020-2021 and 2019-2020 and is in the public domain. Site data was last updated in February 2022 This site is not affiliated with or endorsed by the U.S. Department of Education. We believe the content represented on this website to be correct yet make no guarantee to its accuracy. CollegeCalc.org has no direct affiliation with the schools presented on this website and the school names are the property of their respective trademark owners.\nIf you represent a school and believe that data presented on this website is incorrect, please contact us.\n© 2022 CollegeCalc.org. All rights reserved.\nDon’t Miss: How Do You Get Tested For Lyme Disease\nLyme Academy College Of Fine Arts Now An Affiliate Of The University Of New Haven\nUniversity of New Haven\nWe represented the University of New Haven in connection with the affiliation of Lyme Academy College of Fine Arts in Old Lyme, Connecticut with UNH. This exciting opportunity for UNH allows UNH to enhance its experiential learning opportunities in the fine arts and adds to its growing footprint of campuses throughout Connecticut and beyond. In connection with the rare affiliation of two institutions of higher learning, a team of attorneys and paralegals at the firm addressed the many legal issues presented – ownership, corporate governance, 501 and other tax matters, endowment and charitable giving matters, accreditation and regulatory consents, human resources, employee benefits, faculty, staff and student matters, real estate, environmental matters, housing , degree requirements, financial aid, accounting, and lender consents.", "domain": "finance"}
{"url": "https://kinbox.com/teaching-kids-the-value-of-money/", "date": "2023-09-21T21:40:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506045.12/warc/CC-MAIN-20230921210007-20230922000007-00716.warc.gz", "language_score": 0.9692297577857971, "token_count": 997, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__266655634", "lang": "en", "text": "Money is far from the most important thing in the world, but our lives are certainly more difficult when we don’t have enough.\nRecent reports say levels of debt are at an all-time high, specifically the amount owed on loans and credit cards. Many young people find themselves saddled with student loans that can take years to pay off, eating into rewards from the careers they work hard to build.\nBy making sure they are money-wise at a young age, we can help our children develop skills and attitudes to money that will serve them well throughout their lives.\nAge 5 and under\n- Show them the difference between different banknotes and coins. For young kids, size matters – they’ll choose a 10p piece over a 20p, or a nickel (five cents) instead of a dime (ten cents). Let them examine your coins – make sure they don’t put them in their mouths – and talk about the different values. Ask them to identify the different ones – ‘Which one is 50p?’ or ‘Which note is worth ten dollars?’\n- Play ‘shop’. Kids love this game. Save empty packets and boxes from food and household goods, make pretend money out of paper – or buy toy versions if you prefer. This is a great way for kids to learn the basics of commerce, as well as developing their imaginations through role-play.\n- Clip coupons. If you have money-off vouchers, explain what they are for. Give them to your child and ask them to look out for the relevant products when you go shopping. You can also point out any in-store offers, such as ‘three for the price of two’. Afterwards, look at your receipt with them and work out how much money you’ve saved by choosing the special offers.\nAge 10 and under\n- Introduce them to the concept of saving. Most children of this age receive a small allowance or pocket money, often in exchange for helping with household chores; if not, perhaps they receive money as gifts for Christmas and birthdays. Explain that for every pound, dollar or unit of your local currency they manage to save each month, you will double it (or give them an additional amount that works for you). They will find watching their cash increase over time exciting and be motivated to carry on.\n- Help them open their own bank account. Many banks offer special accounts for children with benefits such as higher interest rates, free gifts or discounts at popular attractions. Use the experience as a learning opportunity, comparing the rates or rewards from several different banks and discussing which would be the best option. They will also enjoy the grown-up feeling of lining up to see the cashier with their own paying-in book.\n- Car-boot and table-top sales are popular in the UK, as are yard-sales in the US. This is a good way to pass on unwanted clothes, toys and possessions and make extra money, sometimes for charity. There’s no reason why your child can’t be in charge, making decisions such as how much to charge for different items and agreeing on the discounts you’ll allow when haggling with customers.\n- When they’re older, there’s no reason why your child shouldn’t learn how to manage a household budget. Sit down with them to discuss how much money comes into the home and how much goes out on essential costs such as utility bills. Talk about what’s left and how ‘disposable income’ works. If they had to make cuts, what would they do – give up a premium satellite television package or spend less on food bills? What would influence their choice? If you don’t want to disclose your true income, use percentages.\n- Work with them to apply what they’ve learned to their own ‘budget’. How much of their allowance will they spend on magazines, cosmetics or treats? What about making sure they can top up their mobile phone credit or putting some aside for savings? Talk about the difference between ‘wants’ and ‘needs’. You can also introduce the idea of paying interest – if they run out of money and ask to borrow, explain that if it takes them more than two weeks to pay it back, you will add on a percentage to what they owe you. More than a month, you’ll add on a higher percentage.\n- Teach them how to compare prices in the shops. If an item comes in different sizes according to brand, how would they work out which is cheaper? Look at the difference between own-label and branded products, and discuss how a difference in quality also plays a part in your choice. Which do they think would be the most economical?", "domain": "finance"}
{"url": "https://www.sevenlifeareas.com/blog/why-is-fundamental-analysis-important", "date": "2021-10-22T01:10:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585449.31/warc/CC-MAIN-20211021230549-20211022020549-00514.warc.gz", "language_score": 0.9467794895172119, "token_count": 111, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__258273060", "lang": "en", "text": "Fundamental analysis gives you the actual reason of why assets move. For stocks, it is the intrinsic value of the company and thus over time, the price should slowly revert to that value (that can vary through time). With currencies, fundamental analysis is mainly used relatively and through many macroeconomic models that compare countries with each other. With commodities, fundamental analysis is mainly a supply and demand forecast.\nThe order of importance does not matter just as long as you put fundamental analysis first when dealing with long-term views.\nAlways do your due diligence.", "domain": "finance"}
{"url": "https://www.byoungdesign.com/post/how-much-does-it-cost-to-become-an-architect", "date": "2024-04-22T08:35:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818105.48/warc/CC-MAIN-20240422082202-20240422112202-00398.warc.gz", "language_score": 0.9536353349685669, "token_count": 1019, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__165729760", "lang": "en", "text": "HOW MUCH DOES IT COST TO BECOME AN ARCHITECT?\nWhether you are looking to pursue a career in architecture or just trying to better understand the industry, we think it’s important to understand the financial effort that goes into becoming a licensed architect. This blog breaks down the cost of each step of becoming an architect in the US and suggests additional fees that aren’t always accounted for.\nThe cost of becoming an architect ranges based on where you study so we’ll use some tuition averages. In the 2021 - 2022 academic year, the average tuition cost for a Bachelor of Architecture degree was $32,320 per year. Therefore, we are going to assume that a typical 5-year undergraduate program costs an average of $161,600.\nAs an architect, you aren’t required to pursue a Masters degree, but because many do, we will include this in our calculation. Master of Architecture programs average $29,078 a year and range from 1-3 years so we will account for a total of $58,156 for a 2-year graduate program.\nWhile in school, architecture students are required to purchase a laptop, software, books and drawings and modeling materials. This number can range greatly so we aren’t going to include it in our final calculation, but we thought it was important to mention.\nIn addition to a degree, aspiring architects are required to complete 3,740 hours across six knowledge sectors. This is typically done through internships while in school and/or the first few years working in the industry. These hours are logged through NCARB’s Architectural Experience Program (AXP). The registration fee to join AXP is $100 and the yearly renewal fee is $85. While it only takes about 2 years to complete the required hours, we are going to assume that it will take a minimum of 3 years to be ready to take the architecture exams. Therefore, an aspiring architect would need to track their hours through AXP for 3 years totaling $255.\nWhile the only registration required is the AXP, there are many other organizations that aspiring architects choose to join for various reasons including networking, continuing education and volunteering. Someone might join the Architects Institute of America for an annual fee of $160 for access to networking and other architecture-related events while someone else might join the U.S. Green Building Council for an annual fee\nof $129 in order to gain access to sustainability-related events. Or, someone might join both plus some other organizations! As you can see, they all range in price and joining depends on an individual's interests so we won't include these membership fees in our total cost.\nOnce an aspiring architect is ready to take their exams, they must apply for eligibility. In California, the fee to do so is $100. Once they are approved, they can start taking the exams.\nThere are 6 total Architect Registration Examinations (AREs). Each exam costs $235, however, most people fail at least 2 of the exams so we are going to account for 6 exams and 2 failed exams in our total calculation of $1,880.\nAfter taking the AREs, aspiring architects in California must take the California Supplement Exam (CSE). The cost of this exam is $100. Once the exam is passed, there is an initial license fee of $300.\nWhile there are many free resources to assist in studying, many people purchase study materials like books and/or subscriptions to online study classes. These resources range in price and the need varies per individual so we are not including this in our subtotal.\nConsidering education, experience and exams, the total cost of becoming an architect is just over $222,000. The table below summarizes all the costs included in the path to licensure. However, once an architect becomes licensed, there are other costs associated with maintaining a license including the yearly $225 renewal fee as well as the transfer fees to become licensed in other states.\nBachelor of Architecture Degree\nbased on the average tuition\nMasters of Architecture Degree\nbased on the average tuition\nArchitectural Experience Program (AXP) Registration\none time fee\nArchitectural Experience Program (AXP) Yearly Renewal\nyearly fee: $85 x 3 years\nCalifornia Architects Board - Application for Eligibility Evaluation\none time fee\nArchitect Registration Examinations (AREs)\n($235 x 6 exams) + ($235 x 2 failed exams)\nCalifornia Supplemental Exam (CSE)\n$100 x 1 exam\nCalifornia Architects Board - Initial License Fee\nfee due immediately after passing CSE\nSOURCES / ADDITIONAL RESOURCES", "domain": "finance"}
{"url": "https://expertdth.com/swiftcash-india-your-fast-track-to-hassle-free-loans/", "date": "2023-09-22T19:17:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506421.14/warc/CC-MAIN-20230922170343-20230922200343-00560.warc.gz", "language_score": 0.9029970169067383, "token_count": 1391, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__108341705", "lang": "en", "text": "SwiftCash India Your Fast Track to Hassle Free Loans is a great title that emphasizes speed and convenience in obtaining loans through your app. This title suggests that users can expect a streamlined and stress-free experience when applying for loans, which can be a strong selling point for your loan app in India. It conveys a sense of efficiency and ease, which are often key factors that users look for in a loan application process.\nSwiftCash India loan registration process :\nThe loan registration process on the SwiftCash India app is designed to be quick and user-friendly, ensuring a hassle-free experience for our users. Here’s a step-by-step overview of how the registration process works:\nStep 1: Download and Install\nDownload the SwiftCash India app from the Google Play Store (or Apple App Store) and install it on your smartphone.\nStep 2: Sign Up\nOpen the app and tap on the “Sign Up” button.\nProvide your mobile number and email address.\nCreate a secure password for your account.\nStep 3: Verify Identity\nYou’ll receive a One-Time Password (OTP) on your registered mobile number. Enter the OTP to verify your identity.\nWe may ask you to provide additional information for identity verification, such as your Aadhar card or PAN card details.\nStep 4: Personal Details\nFill in your personal details, including your name, date of birth, and gender.\nProvide your current residential address and permanent address if different.\nStep 5: Employment Information\nEnter your employment details, including your occupation, monthly income, and employer information.\nUpload any necessary documents, such as salary slips or employment verification letters.\nStep 6: Loan Requirements\nSpecify the type of loan you are interested in (personal, business, education, etc.).\nEnter the loan amount and tenure you’re seeking.\nStep 7: Financial Information\nProvide details about your existing financial obligations, such as other loans or credit card debt.\nShare your bank account details for loan disbursement and repayment purposes.\nStep 8: Review and Submit\nReview all the information you’ve entered to ensure accuracy.\nIf everything looks correct, submit your registration.\nStep 9: Loan Offers\nOnce your registration is submitted, our system will analyze your information.\nYou’ll receive personalized loan offers based on your profile and requirements.\nStep 10: Choose a Loan Offer\nBrowse through the loan offers presented to you.\nSelect the offer that best suits your needs, taking into consideration interest rates, repayment terms, and other relevant details.\nStep 11: Document Submission\nUpload any required documents to complete your loan application.\nThis may include proof of income, identity documents, address verification, and more.\nStep 12: Loan Approval\nOur team will review your application and documents.\nUpon approval, you’ll receive a confirmation with loan details, including the approved amount, interest rate, and repayment schedule.\nStep 13: Disbursement\nOnce approved, the loan amount will be disbursed to your registered bank account.\nCongratulations! You’ve successfully registered and applied for a loan through the SwiftCash India app. Our user-friendly interface and streamlined process ensure that you can access the funds you need quickly and conveniently.\nSwiftCash India Loan Return Process :\nThe loan return system on the SwiftCash India app is designed to make the repayment process straightforward and convenient for our users. Here’s an outline of how the loan return system works:\nRepayment Schedule Information:\nAfter you’ve been approved for a loan, you’ll receive detailed information about your repayment schedule, including the due dates, installment amounts, and the total repayment period.\nSwiftCash India offers multiple convenient payment methods for loan repayment, including:\nAuto-Debit: Set up automatic deductions from your registered bank account on the scheduled due dates.\nOnline Payments: Make repayments directly through the app using net banking, debit cards, credit cards, or mobile wallets.\nNEFT/IMPS: Transfer funds manually from your bank account using NEFT or IMPS to SwiftCash India’s designated account.\nReceive timely reminders and notifications about upcoming installment due dates.\nGet notified about successful payments and confirmation of payment receipts.\nView Payment History:\nAccess a record of your repayment history within the app.\nReview your past payments and track your progress toward completing the loan.\nEarly Repayment and Prepayment:\nSwiftCash India encourages responsible financial management. You may have the option to make early repayments or prepay the loan without incurring additional charges.\nIf you encounter any issues or have questions about the repayment process, SwiftCash India’s customer support is available through the app, website, or contact details provided.\nYour payment details and transactions are secured with the latest encryption and security measures, ensuring your financial information remains confidential.\nGrace Period and Penalties:\nSwiftCash India may offer a grace period for missed payments, allowing you some extra time to make the payment without penalties.\nLate payment fees or penalties, if applicable, will be clearly communicated in your loan agreement and terms.\nUpdating Payment Information:\nIf you need to update your registered bank account or payment method, you can do so through the app’s settings.\nLoan Repayment Completion:\nOnce you’ve successfully completed all the loan repayments according to the agreed schedule, you will receive confirmation of the full repayment.\nRemember that the specifics of the loan return system may vary based on the loan products offered by SwiftCash India and the terms of your loan agreement. Always refer to your loan agreement and the app’s guidance for accurate and up-to-date information regarding loan repayment.\nConclusion About Taking Loan In SwiftCash India :\nIn conclusion, opting for a loan through SwiftCash India offers an exceptional and user-centric borrowing experience. With a user-friendly mobile app, the platform streamlines the loan application process, ensuring efficiency and convenience.\nTransparent terms, personalized loan options, and clear repayment schedules empower borrowers to make well-informed financial decisions. SwiftCash India’s commitment to security and privacy safeguards users’ sensitive information, while timely notifications and diverse repayment methods enhance the overall borrowing journey.\nThe platform’s emphasis on responsible lending, flexibility, and accessible customer support reflects its dedication to meeting individual financial needs. Choosing SwiftCash India signifies not only gaining access to essential funds but also embarking on a journey of financial empowerment with a trustworthy and innovative lending partner.", "domain": "finance"}
{"url": "http://rispace.org/attend/value-added-tax/", "date": "2017-04-24T11:09:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917119356.19/warc/CC-MAIN-20170423031159-00508-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.8969957232475281, "token_count": 261, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__47363306", "lang": "en", "text": "Note: After a 2016 ruling, VAT is no longer applied to Reinventing Space delegate tickets\nUK Value Added Tax (VAT) at 20% is shown separately within the delegate price.\nOnce your payment is made, your issued invoice is also a VAT receipt.\nIf you are not domiciled within the European Union (EU), Reinventing Space 2015 is categorised as a ‘trade fair’ and certain categories of attendees may reclaim the VAT portion of the conference cost (along with accommodation and travel costs). For further information, please visit the official UK tax office web page at www.hmrc.gov.uk/vat/managing/international/nonEU-visits.htm.\nIf you are domiciled within the EU but not the UK, certain categories of attendee may also reclaim VAT. The official UK tax rules are specified here:www.hmrc.gov.uk/vat/managing/international/EU-visits.htm.\nIf you or your organisation are VAT registered within the UK, your normal VAT procedures apply.\nPlease note that the Reinventing Space Conference must apply VAT under UK law but cannot become involved, outside the issue of the tax receipt, in further issues involving VAT rebates.", "domain": "finance"}
{"url": "http://www.st-cpas.com/scott-sanders.php", "date": "2017-02-19T23:54:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170286.6/warc/CC-MAIN-20170219104610-00137-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.9687472581863403, "token_count": 1775, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__238755567", "lang": "en", "text": "Scott Sanders, CPA, PFS, CGMA, CFP®, CFS\n\"I give strategic tax and accounting advice to my clients so they can reach their financial and business goals.\"\nScott matches striking technical acumen with a tireless work ethic. He has extensive experience in all aspects of federal, state, and local taxation for corporations, individuals, and estates, as well as tax planning, estate planning, and estate and trust tax preparation.\nWhen Scott works with clients, he always provides them with the \"what if\" view; this gives them a range of scenarios to help them plan accordingly for the future growth of their business and individual prosperity. But that's just the way Scott operates; combining acute business expertise with a strong grasp of the present and a view to how it will affect the future.\nScott has used his 34 years of accounting experience to build up an extensive portfolio of diversified clients, including high-net-worth individuals and closely held businesses in manufacturing, real estate, and public relations, among others. His eye for detail and \"client first\" business philosophy are only just a few of the reasons why clients are so loyal to him. He tailors his services to focus in on each individual client's needs, which is why he is considered such an exceptional accountant and business advisor.\nScott Sanders is a 1980 graduate of Queens College, New York with a Bachelor of Arts in Accounting. Scott is a member of the American Institute of Certified Public Accountants (AICPA), the New York State and the New Jersey State Society of CPAs. Scott retains his license as a CPA in both New York and New Jersey. In July 2012, Scott became a CGMA (Chartered Global Management Accountant) through the AICPA. Scott is a Certified Financial Planner (CFP), having received his license from the College of Financial Planning in Denver, Colorado. Scott has also received from the AICPA, his license as a Personal Financial Specialist (PFS) and his license as a Certified Fund Specialist (CFS) from the Institute of Business and Finance. Scott received his NASD Series 6 license in November 1996 and his Series 63 in December 1996. Scott received his NASD Series 26 license in November 2002 and Series 24 in August 2004, which allows him to act in the capacity of an Office of Supervisory Jurisdiction (OSJ) for his broker-dealer. Then, in April 2004, he received his Series 7 license. Scott became licensed in February 1999 to sell life, accident and health insurance in New York State. Scott also became a Qualified Guardian under Article 81 in 2002 and a Qualified Special Needs Trustee under Part 36 through the Nassau Academy of Law in 2003, and a Qualified Accountant by the Chief Administrator before the New York State Unified Court System in 2003. Scott has been a notary public since November 1980.\nScott Sanders has extensive experience in trusts and estates – planning and preparation, surrogate accounting, working closely with trust and estate attorneys and fiduciaries, working with high-net-worth individuals in all stages of planning and taxes, providing family office services, in addition to all aspects of federal, state, and local income taxation for corporations, individuals, trusts and estates, specializing in the restaurant and retail industry, as well as tax planning, trust and estate planning and compliance and surrogate accountings for the Court. Scott’s industry experience is closely held businesses, high-net-worth individuals, manufacturing, public relations, real estate, restaurants, and jewelry. Scott had retained a presence in St. Thomas, Virgin Islands from 1981 to 2005, handling various tax and accounting matters for clients located on the Island. As a practicing financial advisor, he advises high-net-worth individuals on areas of strategic planning services as varied as investment analysis, professional money managed accounts, cash flow analysis, insurance, estate and gift tax planning, the formation of family limited partnerships, creation of private foundations and charitable tax planning. As an individual involved with the personal business management of high-net-worth clients, Scott is involved in services that range from establishing retirement accounts such as 401-K's, defined benefit and defined contribution plans, family office services such as bill paying, managing the details of multiple residences and vacation properties, evaluating health, property and life insurance needs and negotiating the purchase/lease of automobiles, boats and aircrafts. Scott merged his private practice in 1995 to form the firm of Lazar Sanders, LLP and then merged in 2006 to form Lazar Sanders Thaler & Associates, LLP, and in 2010, formed Sanders Thaler & Associates LLP. In 2012 the firm changed its name to Sanders Thaler Viola & Katz, LLP, currently employing 26 professionals.\nScott Sanders is a past Board Member of the Long Island Cabinet of the State of Israel Bonds (1999-2006) and a past Board Member of the American Culinary Federation Long Island Chapter (1998-2005) serving as a consultant. He was also a past member of the Long Island Advisory Board of USA Bank in Port Chester, NY (2006-2008). He is a Board Member, and past Treasurer and Executive Vice-President of the National Conference of CPA Practitioners (NCCPAP) for the Nassau/Suffolk Chapter (2001-2008) and was the Chair of the Sponsorship Committee for the NCCPAP Long Island Tax Symposium for 2003, 2004, and 2008. He is a current member of the Estate Planning Council of Nassau County (since 2003) and of Suffolk County (since 2012). Scott is a Board member of the Financial Planning Association of Long Island (FPA LI) and is currently the chapter Treasurer. He is a past member of the FPA LI’s Membership Committee (2005-2011). Scott is also a member of the New York State Society of Certified Public Accountants (NYSSCPA), Nassau Chapter. Scott was an Executive Board Member of the NYSSCPA, Nassau Chapter (2008-2010), a past Treasurer (2010-2011), Vice-President (2011-2012), and President (2013-2014). Scott is also Co-Chairman of the NYSSCPA-Nassau Chapter Sponsorship Committee (since 2009), the Small Firm MAP Committee (since 2005), and the Estate & Financial Planning Committee (since 2013).\nScott Sanders has lectured for American Express Financial Advisors, Inc. and consulted on various tax issues. Scott has lectured during the National Conference of CPA Practitioners (NCCPAP) Long Island Tax Practitioner Symposium from 2005 to 2008 and continues to lecture before the NYS Society of CPAs (NYSSCPA)-Nassau Chapter Small Firm MAP Committee since July 2005.\nScott Sanders has been quoted in the September 1998 issue of the Practical Accountant regarding the new 1997 Internal Revenue Service Tax Laws; quoted by producer, Joanne LaMarca of The Today Show in Business This Week, regarding the new 2000 tax laws; and was featured in the February 18, 2002 issue of Crain’s New York Business article titled, \"The High Cost of Security.\" Scott was interviewed for the March 29, 2003 Long Island News Pennysaver article titled \"Tax Time - Yikes!\" and wrote articles in the December 31, 2003 Syosset/Jericho and Plainview, New York Tribune and the October 8, 2004 Plainview Herald - Business Review. In the August 4, 2011 issue of Long Island Business News, Scott was interviewed for the special section of \"Accounting - Past, Present, Future\" and spoke about moving into the paperless environment. In the August 26, 2011 issue of Long Island Business News, Scott was listed in the special section of \"Who's Who in Accounting,\" discussing the industries trend of mergers. Scott was quoted in the January 31, 2012 issue of CPA Trendlines for the article, \"Busy Season Shifts to Hi Gear.\" Scott was quoted in CCH's 2012/2013 Product Catalog regarding research with CCH's Federal Tax Library. In the March 10, 2013 issue of Long Island Business News, Scott was interviewed about the best time to file your tax returns. In the March 25, 2013 issue of the New York Daily News, Scott was mentioned for volunteering for the annual tax hotline to News readers. He was also interviewed for the featured portion of the Long Island Business News's Vision Section in the July 26, 2013 edition and spoke about the complexities of the accounting and tax industry, and clients' reliance on CPA's as their trusted advisor. In the April 3, 2014 edition of The Long Island Business News, Scott was interviewed about due diligence strategies for buyers/sellers of businesses.", "domain": "finance"}
{"url": "https://letstalkaboutifrs.wordpress.com/2008/07/24/why-ifrs/", "date": "2017-04-29T11:10:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123491.68/warc/CC-MAIN-20170423031203-00496-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9456685185432434, "token_count": 571, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__115660618", "lang": "en", "text": "Why IFRS ?\nWhy IFRS? Simple answer to this question is that IFRS is acceptable globally and provides a common accounting/reporting language to the world!\nThe history and development of international standards for accounting and auditing trails back all the way to the late 1960s, but never have they reached greater prominence than today as the world moves closer towards international convergence.\nA key moment in the move to IAS/IFRS came on 6th June 2002 when the European Council of Ministers approved the regulation that would require all EU companies listed on a regulated market to prepare accounts in accordance with International Accounting Standards for accounting periods beginning on or after 1 January 2005.\nWith over 100 countries requiring or accepting International Financial Reporting Standards, the likelihood of companies around the globe using the same accounting standards is in view.\nNever in history has there been a time when we were closer to the ideal where companies around the globe all use the same accounting standards in their financial reporting. International Financial Reporting Standards (IFRS) are now required or accepted in over 100 countries, and some estimate that number will grow to 150 countries in the next few years.\nAbout 9,000 listed companies in Europe use IFRS, and IFRS are the accounting standards in Australia, New Zealand and South Africa. They will be the standards in Brazil starting 2010, India and Canada starting 2011. And China is phasing in IFRS for public, private and state-owned companies starting in 2007.\nFor accounting standards to garner worldwide acceptance they must be universally applied. Comparability is essential if “in accordance with IFRS” means that the same or similar transactions are accounted for the same way everywhere, producing financial statements in accordance with IFRS will add value. Investors would no longer need to waste time and effort to reconcile financial information as they compare similar companies from different countries. Capital would flow more efficiently, at less cost to more companies in more places.\nA single system of financial reporting would benefit a host of constituents. With quality standards, consistently applied, investor understanding and confidence rises. That translates to strong, stable, liquid markets. With quality reporting, investors wouldn’t need to compensate for a lack of under-standing by demanding a risk premium. With consistent application and the resulting comparability investors and analysts have an easier time knowing how to best allocate capital. Having one financial language reduces preparation and audit costs. No longer is there a need to learn different standards, or keep current in them, at the expense of more fruitful pursuits. Regulation can be easier if properly coordinated. Education and training become easier and more focused.\nConvergence of accounting standards has played a major role in the growing acceptance of IFRS. As the differences narrow between IFRS and other widely-accepted accounting systems, resistance to IFRS is beginning to fall away.", "domain": "finance"}
{"url": "https://www.depintolaw.com/blog/2022/07/compiling-necessary-divorce-documents/", "date": "2024-04-22T21:39:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00383.warc.gz", "language_score": 0.9583297967910767, "token_count": 357, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__141515246", "lang": "en", "text": "Since divorce is a legal process, estranged couples entering a New Jersey courtroom should expect to present evidence. Evidence does not only refer to such things as text messages proving a spouse’s undesirable behavior. Evidence might include essential financial and other documents that establish who owns what assets and more. Properly compiling all documents necessary for smooth divorce proceedings seems advisable.\nDocuments to ready for divorce proceedings\nA marriage certificate and deeds to all properties may first come to mind when someone asks divorcing spouses about collecting documents. Proof of marriage and home ownership is important, and so would the tax returns filed during the marriage. Filing jointly could have different consequences than filing separately since questions about tax debt may arise.\nTax documents also establish who earned how much during the year and from what sources. Presenting income and investment-related 1099s and the like might be required, too.\nSubmitting documents showing the costs associated with owning a home could be vital. Monthly utility bills and property tax records may factor into decisions about spousal support if one spouse receives and intends to live in the home.\nAdditional documents to present\nVarious other documents may play essential roles during divorce proceedings or court trials. Credit card statements may reveal much about the marriage’s financial health. The reports would also indicate whether the debt is jointly or solely held.\nAll costs related to child care could play a vital part in the court’s determinations on child support. The child’s health care, schooling and hobby-related expenses add up. The court would likely review every cost not only to arrive at a child support amount but possibly to decide on which parent should receive custody.\nA dishonest spouse may try to hide assets. A thorough presentation of various documents could undermine such attempts.", "domain": "finance"}
{"url": "https://www.techknowmag.com/virtuix-raises-dollar-19mm-for-omni-one-virtual-reality-treadmill/", "date": "2022-10-05T09:45:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337595.1/warc/CC-MAIN-20221005073953-20221005103953-00692.warc.gz", "language_score": 0.9473416805267334, "token_count": 484, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__90327333", "lang": "en", "text": "Virtuix announced that it has raised over $19 million from more than 6,500 investors in its Series A-2 financing round. Virtuix will use the proceeds to launch Omni One, an omni-directional treadmill for the home that lets players walk and run inside popular games and virtual worlds.\nVirtuix’s “Omni” technology takes virtual reality to the next level by delivering the feeling of physically moving in VR. The treadmill’s 360-degree experience enables players to walk or run in any direction inside their favorite videogames. Backed by Mark Cuban and other major investors, Virtuix has shipped over $10 million worth of commercial Omni systems to entertainment venues in 45 countries, including top locations like Dave & Buster’s. Virtuix’s upcoming product, Omni One, is a consumer version of the Omni treadmill optimized for the home.\nVirtuix worked with SeedInvest, an online investment platform, to complete its Series A-2 financing round, which included a fundraising campaign under SEC Regulation A (“Reg A”). Reg A allows qualified private companies to sell shares to non-accredited investors. Virtuix’s Reg A campaign allowed anyone to purchase shares in Virtuix, and the minimum investment was only $1,000. More than 6,500 investors participated in the round.\n“We’re impressed by the outpouring of investor support for Omni One,” said Goetgeluk. “More than two million players have experienced the thrill of walking around inside videogames at our commercial venues around the world. Given our success in the out-of-home market, our investors believe we’re well-positioned to bring our popular gaming experience to millions of homes around the world.”\nOmni One is a complete entertainment system that includes an all-in-one VR headset and operating software for a seamless user experience. The system will feature its own game store with 30 titles at launch, including games developed by Virtuix alongside top titles licensed from third parties. Virtuix plans to sell Omni One for $1,995 (or $55 a month on a monthly payment plan). This pricing puts Omni One in line with mid-tier gaming PCs or connected fitness gear like a Peloton bike.", "domain": "finance"}
{"url": "https://certaintyproperty.com.au/find-out-more-rent-certainty/", "date": "2024-03-03T16:14:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476396.49/warc/CC-MAIN-20240303142747-20240303172747-00887.warc.gz", "language_score": 0.8519247770309448, "token_count": 233, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__95990644", "lang": "en", "text": "Find out more about Rent Certainty\nWant to find out more? Leave your details below and we’ll be in touch by close of business!\n\"*\" indicates required fields\nA simple low fixed-fee of just $30 per week\nSophisticated investors appreciate the value of an exceptional property management experience provided for a fair fixed-fee. That’s why Certainty Property has introduced Fee Certainty – full-service property management for just $30 per week.\nWith Fee Certainty you will receive:\nA dedicated local property manager\nFirst-class service and support from our team\nRegular inspections and tenant management\nAre you an experienced property investor?\nExperienced investors understand the value of a property manager that has skin in the game in maximising the portfolio’s return. That’s why Certainty Property is the only property manager to offer Rent Certainty – Australia’s most comprehensive rent guarantee.\nWith our rent guarantee Certainty Property will:\nPay the rent when your property is vacant\nPay the rent should your tenant fall into arrears\nTop up your rent should rents fall", "domain": "finance"}
{"url": "https://www.traffordbooks.co.uk/terms", "date": "2024-04-17T07:03:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817144.49/warc/CC-MAIN-20240417044411-20240417074411-00135.warc.gz", "language_score": 0.9293823838233948, "token_count": 317, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__168669141", "lang": "en", "text": "My Bids (0)\nCommission to vendors is normally 15% with a minimum charge of £3 per lot. Unsold lots are subject to a handling charge of £3 per lot. Commission rates are negotiable for high value items. Payment to vendors is made no earlier than 6 weeks after the sale. Our terms of business to buyers are outlined in our Notes For Guidance.\nPostal, On-Line and E-Mail Bidders:\nALL BIDS MUST BE RECEIVED BY 12 NOON UK TIME ON THE DAY OF THE AUCTION\nBids may be submitted by email to email@example.com or by using the On-Line Bidding System on this website. If clients wish to bid for a number of lots but wish to limit their expenditure they should indicate the maximum they wish to spend by entering that amount in the 'Limit' facility.\nThese can be made by telephoning\n0161 877 8818\n07799 648 335\nThese may be submitted by post or by submitting your bids in person.\nAll bids are accepted in confidence and will not be divulged to a third party.\nSuccessful bidders may pay by cash, cheque or by card payment.\nA buyer's premium of 15% will be added to your invoice. This charge includes VAT @ 20% except for books & periodicals which are zero rated.", "domain": "finance"}
{"url": "http://spaceoutvr.com/2017/09/29/introducing-spacium-token-powering-decentralized-marketplace-virtual-reality/", "date": "2017-12-12T23:33:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948520042.35/warc/CC-MAIN-20171212231544-20171213011544-00294.warc.gz", "language_score": 0.8844231963157654, "token_count": 490, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__106263411", "lang": "en", "text": "Introducing the Spacium Token – Powering a decentralized marketplace for Virtual Reality\nSpacium (SPC) – Introducing a way to monetize VR content on the Ethereum Blockchain.\nThe Spacium (SPC) ERC20 Token presents a new method of in-app peer-to-peer exchange that incentivizes content creation and engagement in Mobile Virtual Reality. Spaceout.VR is a free to play Social VR Space Colony for iOS & Android. Spaceout.VR will monetize with an in-app economy that works with in-app consumables, in-app purchasing, and cryptocurrency tokens. Spaceout.VR players can monetize their user-generated content by converting earned in-app consumables into cryptocurrency tokens.\nContent creators now have a growing set of inexpensive tools to create 360 video, photos and immersive games and experiences. Tools like the Ricoh Theta or Google Tango give consumers the ability to capture immersive content easily. To date there is no platform to easily upload, share and organize personal immersive media. There is no way to monetize this content, as for example, popular YouTube channels earn a revenue stream based upon viewership. This leaves content creators with little incentive to create or share immersive user-generated content (UGC).\nWe believe that Virtual Reality (VR) will flourish as a medium once it becomes a viable platform for UGC. Web 2.0 brought about the maturity of the web by harnessing people’s desire to share their lives and express themselves. The Spacium token incentivizes Spaceout.VR users to upload, organize and share personal content. The Spaceout.VR in-app economy allows Spacers to market their content for discovery by other Spacers. We aim to create a flourishing new space for immersive UGC through the Spaceout.VR content platform and gamified economy.\nThe Spacium token is a functional crypto-asset with the utility of creating and distributing in-app consumables in Spaceout.VR. Token holders can earn additional tokens by contributing to consumable production in the economy. Players can login to the Spacium Marketplace with their Spaceout.VR account and convert their in-app consumables into Spacium tokens. Spacium tokens can be traded for BTC, ETH, and other crypto-assets.\nWe are accepting email registrations for our pre-sale expected to launch in September 2017 at https://spacium.io", "domain": "finance"}
{"url": "https://p2pweb.org/resources/", "date": "2017-02-21T16:38:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170794.46/warc/CC-MAIN-20170219104610-00217-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.8747231364250183, "token_count": 1019, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__207981639", "lang": "en", "text": "There are many resources on the web to give you information on starting or growing your business and to help you get started in the preparation of your business plan. These sites provide information on a wide range of entrepreneurial subjects. Links on this page are for information purposes only; they do not constitute an endorsement by the Path to Prosperity Competition organizers.\nAll P2P participants are encouraged to visit the Alaska Small Business Development Center website for resources and tools to help start a small business.\nThis series of short videos gives a nice overview of triple bottom line concepts and makes a strong business case for sustainability.\nThe Triple Bottom Line Tool is a more detailed tool for evaluating sustainability of a project.\nBusiness Model Canvas:\nThis video gives a great method for mapping out the key components of a business plan. The Business Model Canvas, is a strategic management and entrepreneurial tool. It allows you to describe, design, challenge, invent, and pivot your business model.\nHow to start or grow a business in Alaska:\n- The State of Alaska website (http://alaska.gov/businesshome.html) is the go-to place for information on starting a business in Alaska. Here you will find a link to the publication, Establishing a Business in Alaska, a source of detailed information and assistance for the Alaska entrepreneur.\n- AkSourceLink (www.aksourcelink.com) is a web portal that provides support to entrepreneurs through links to information on topics such as Startup Resources, Growing Your Business, Marketing, and Legal Services. It provides a searchable database of small business support providers. After answering a few questions about your business and the type of assistance you need, a list of organizations that provide business help in your area is provided:\n- The Alaska Small Business Development Center (http://aksbdc.org/) provides business counseling, business skill workshops and online tools for start-ups and established businesses in the state of Alaska. The tools are organized by business stage: Think, Launch, Grow, Reinvent and Exit:\n- The Juneau Economic Development Council (http://www.jedc.org/business-resources) has links to information on doing business in Juneau. It also has information on financing a small business and links to loan programs:\nGeneral Resources for Startups:\n- The U.S. Small Business Administration offers technical assistance, a variety of loan and other financing programs, and other resources to help a business get started and grow. Their website (http://www.sba.gov/) features many articles on starting and managing a business:\n- SCORE (http://www.score.org) is a nonprofit association that provides education and volunteer mentors for entrepreneurs. Mentors are available to deliver free help both by email and in person (nearest offices are Anchorage or Seattle). Live webinars, templates and tips on a variety of business topics are available:\nAnchorage SCORE: http://anchorage.score.org/chapters/anchorage-score\nGreater Seattle SCORE: http://seattle.score.org/chapters/greater-seattle-score\n- The web has lots more advice for startups. Here are some examples:\nHow to Develop your Business Plan:\n- The Small Business Administration has a Business Plan Tool that provides a step-by-step guide to writing a business plan. You write the plan by answering questions, and save it on-line so you can return later to edit or update. You must first register for a free account. Look for the link to the tool in the right side column at the following web site:\n- Here’s an article on writing Executive Summaries:\n- Here are more links to business plan templates, outlines and advice:\nBplans.com business planning resources http://www.bplans.com/index.cfm\nNational Telecommunications and Information Administration’s business plan outline http://www.ntia.doc.gov/legacy/opadhome/mtdpweb/busplano.htm\nBusiness plans and financial statement templates from SCORE http://www.score.org/resources/business-plans-financial-statements-template-gallery\nHow to Create Financial and Sales Projections:\n- SCORE’s template gallery provides Excel templates for finance and sales spreadsheets.\nFund your Startup:\n- Financing can often be the one obstacle preventing an entrepreneur from starting a successful business. Entrepreneurs for the most part do not have access to “free money” through grants. However, there are options.\nLearn how to choose an accountant who is also an advisor.\nEver wonder what happened to that crowdfunding boom?\nInvestors’ Circle seeks early-stage companies whose businesses address significant social or environmental issues. http://investorscircle.net/home\nIncorporate Social Responsibility:\n- Articles on social entrepreneurship can be found here:", "domain": "finance"}
{"url": "http://www.worldhyundaimatteson.com/easy-car-loan-pre-approval.htm", "date": "2017-04-24T13:15:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917119361.6/warc/CC-MAIN-20170423031159-00172-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9394586682319641, "token_count": 417, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__79924752", "lang": "en", "text": "Welcome to one of the easiest ways to get pre-qualified for a new or used vehicle. All without ever needing your Social Security Number, or actually running a full credit report which can hurt your credit score.\nYou're a savvy shopper no doubt - that's why you're here:\nWe also know your time is valuable and you don't need or want the \"typical dealership\" financing experience. You know, the kind where you are asked for way too much personal information, there seems to be a million steps in the process AND then your credit report is pulled (sometimes several times) leaving an inquiry on your history. Too many inquires can hurt your credit score.\nWhy can't there be an easier way you ask?\nThat's where World Hyundai in the Matteson Auto Mall steps in. Our new, innovative credit tool is designed to speed up the pre-qualification process in only 3 easy steps. That's it. Once again, all with no Social Security Number needed and no inquiry on your credit report. It really is that easy.\nWhy not start now? No Social Security Number Needed!\nBesides an easy pre-qualifcation process, World Hyundai in the Matteson Auto Mall near Chicago, knows that smart shoppers like yourself deserve and expect a different type of dealership all together, not just in the finance department. At World Hyundai, our goal is to give you the \"WOW\" experience from the second you call, email us or stop by in person.\nIn addition to a unique and refreshing experience, World Hyundai customers can take advantage of several of our member benefits such as:\n- Free Lifetime Car Washes\n- Lifetime Warranty*\n- Lifetime Oil Change Package\n- Free Service Loaners\n- Free Courtesy Transportation\n- Convenient Saturday Service and Parts Hours\n- Hundreds and Hundreds of New, Used , Certified Pre-Owned Vehicles and Luxury Used Vehicles\nThank you again making the right choice! We are excited to assist you!\nLet's get started - it only takes 60 seconds!", "domain": "finance"}
{"url": "https://www.bu-net.com/en/negozio/cosmetici-detergenti-corpo-naturali/carta-regalo/?v=5ea34fa833a1", "date": "2022-12-05T20:32:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711045.18/warc/CC-MAIN-20221205200634-20221205230634-00706.warc.gz", "language_score": 0.9230703115463257, "token_count": 121, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__100643926", "lang": "en", "text": "What better gift to receive than the possibility to choose what you prefer? The BU-NET Gift Card is designed for this very reason!\nAvailable in various fixed amounts or a custom value, you can buy it for yourself, or send it directly to whoever you want!\nYou can use the BU-NET Gift Card to purchase any product on the site.\n€25,00 – €600,00\nBuying a prepaid BU-NET gift card is really easy:\nWithin moments of payment completion, an e-mail containing the gift card will be sent to the recipients.", "domain": "finance"}
{"url": "http://oklahomacriminaldefense.blogspot.com/2008/11/tulsa-jail-information-and-tulsa-bail.html", "date": "2017-05-24T06:08:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-22/segments/1495463607802.75/warc/CC-MAIN-20170524055048-20170524075048-00442.warc.gz", "language_score": 0.9013024568557739, "token_count": 1198, "dump": "CC-MAIN-2017-22", "global_id": "webtext-fineweb__CC-MAIN-2017-22__0__87298986", "lang": "en", "text": "Tulsa Jail Information and Tulsa Bail Bond Information\nBy Glen R. Graham, Tulsa Criminal Defense Attorney http://www.glenrgraham.com\nTo find out the bond amount and to find out if someone is in the Tulsa City County Jail or the David Moss Correctional Facility at 300 North Denver Ave., Tulsa, Oklahoma, the easiest and quickest way is to click on this link:\nhttp://iic.tulsacounty.org/Home.aspx and then follow the instructions. Enter the defendant’s name and it will tell you the charges, the amount of the bond, and the next court date.\nA good Tulsa Bail Bondsman or Tulsa Bail Bonds is A Bargain Bail Bonds at http://www.abargainbailbonds.com They are on corner of Archer and Denver - close to the Tulsa Jail.\nTo find out the Tulsa jail visitation hours and for information about leaving money on someone’s inmate trust account click on this link: http://www.iic.tulsacounty.org/FAQs.aspx\nTo determine which pod inside the jail the inmate is located in to match up the visitation schedule , first you have to click on the previous link above to determine the inmate’s pod number like J-1 or F-3 or such.\nTelephone number to the Tulsa City County Jail is: (918) 596-8900 OR (918) 596-8933. You usually have to call back repeatedly and wait for the telephone to ring about five to ten times and it usually takes a long, long time for them to answer the telephone, so it is easier to click on the links or call a good Tulsa criminal defense attorney and a good Tulsa bail bondsman or to just click on the links in this article.\nThere is a new technology where Tulsa jail inmates can use Touch Pay to bond out using their credit cards. It is a machine in the Tulsa Jail that takes credit cards. However, a smart inmate might be a lot better off paying a bondsman only ten percent of the bond instead of posting the whole bond on a credit card. Ten percent of a bond of $5,000 dollars is only $500 to a bondsman. However, posting a whole $5,000 dollar bond on a credit card could involve significant interest and penalties in addition to tying up $5,000 dollars.\nMost bondsman accept payments if you do not have a credit card. Most bondsman accept credit cards and the amount required to pay a bondsman on a credit card is only ten (10%) per cent of the bond amount instead of the whole bond amount.\nOne good thing is that anyone can also use Touch Pay to add money to the inmates accounts for items they want which are sold at the jail.\nInitially, when someone is booked into jail, they are usually given a pre-set bond amount based upon the type of charge or in some cases the assigned judge reviews the officer’s probable cause affidavit and then sets a bond. Under the current system, the court is required to review the probable cause for holding the defendant within about 48 hours by reviewing the probable cause affidavit and then setting a bond or ordering the defendant released if there is insufficient probable cause to hold the defendant. Each case is different and it makes a difference depending upon the type of charges and the defendant’s prior criminal record if any.\nBy hiring a good Tulsa Criminal Defense Attorney it is possible to have a hearing on a motion for a bond reduction within 24 hours after filing the motion as long as it is filed before 12 noon. A hearing on a motion for bond reduction is normally heard at 3:00 p.m. on the next court day as long as the motion is filed before 12 noon and the order is signed setting it for a hearing before 12 noon because the state is entitled to 24 hours notice before the bond hearing.\nOn misdemeanor cases, it may be possible to get a bond hearing quicker by contacting the assigned prosecutor and if possible getting the assigned prosecutor to appear before the assigned misdemeanor judge for a ruling upon it.\nIn most cases, it is usually possible to obtain a Tulsa bail bond reduction by hiring a good Tulsa criminal defense lawyer attorney and getting documentation and sufficient information to obtain a bond reduction. It is helpful to have a copy of the officer’s probable cause affidavit when the same can be obtained. Proof of employment, letters of support, statement from parties, favorable statement from the victim when possible, and any other relevant information.\nIt is possible to verify any city of Tulsa or Tulsa County warrants that may be active by checking the web site for Tulsa warrants at: http://www.tulsapolice.org/warrants/default.asp Enter the last name and click enter and then cursor down until you find the right person’s first name.\nCommon Warrant Types:\n1234567 Six or seven numbers is a Tulsa Municipal Court warrant\nCM A Tulsa County District Court misdemeanor warrant\nCF A Tulsa County District Court felony warrant\nNote: CF warrant may be for Failure to Pay or Failure to Appear on a felony charge and may not be considered a felony warrant even though the original listed charge is a felony.\nIt is possible to check out the person’s available public Oklahoma criminal record at the web site for the State of Oklahoma court system at: http://www.oscn.net/ Click on “court dockets” at the top. On the next page, on the left hand center, click on “search dockets.”\nFinally, on the next page, cursor down to last name and enter it. Put in the first name or the first few letters and use the percent sign to cover all variations such as --- Su% to cover both Susan or Sue or Susanne.", "domain": "finance"}
{"url": "http://richmondwestps.vic.edu.au/community/parent-and-community-fundraising/", "date": "2022-11-30T06:20:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710733.87/warc/CC-MAIN-20221130060525-20221130090525-00148.warc.gz", "language_score": 0.9507627487182617, "token_count": 312, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__136889893", "lang": "en", "text": "Parent and Community Fundraising\nAt Richmond West, fundraising involves the whole school community through events such as a walk-a-thon, raffles, the Art Show and the School Concert. The school community comes together to celebrate student achievements, raise money for the school and enjoy socialising with members of our community.\nWe fundraise to purchase items that have been identified by the school and which support the educational and social development of students. The fundraising wish list is prepared in consultation with the school, subcommitees of School Council and as needs arise within the building and the school’s many programs.\nThe whole school community\nFundraising is an activity where we believe that everybody has something to contribute. All families are encouraged to be a part of their child’s experience at school, and this contribution is welcomed in many forms. You can support our school by donating your time, expertise in a particular area or via a financial contribution.\nOur school’s values\nOur fundraising approach reflects the values at the heart of our school activities. The school’s core values are care and compassion, respect, doing your best, responsibility, co-operation and honesty and trustworthiness. We uphold these values through thoughtful planning of fundraising events, being inclusive and making links to the broader community.\nIf you would like to be involved, please call the office on 9429 2950 or send an email to email@example.com.", "domain": "finance"}
{"url": "https://www.silent-disco-rental.com/2017/04/17/cost-of-a-silent-disco-party-versus-a-regular-dj/", "date": "2020-04-09T06:48:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371830894.88/warc/CC-MAIN-20200409055849-20200409090349-00056.warc.gz", "language_score": 0.9474625587463379, "token_count": 829, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__169660134", "lang": "en", "text": "Which costs more? A regular DJ with loudspeakers or a Silent Disco DJ?\nObviously one sound system can be heard by several hundred or a thousand people, but one headphone can only be heard by one person.\nSo with a small party, Silent Disco is going to cheaper than traditional loudspeakers and with a large party it will be more expensive.\nLet’s look at some actual numbers\nRegular DJ: $1000 -In my area, a DJ (using loudspeakers) that is considered professional quality is going to start around a $1000 and that price remains the same no matter how many guests are invited.\nSilent Disco Rental: $266.50 to rent 40 headphones: Rental of 40 headphones = $266.50\nFor headphones, you need one headphone per guest, so the price goes up as the guest count increases.\nWith a sound system that uses loudspeakers, one price fits all!\nSilent Disco: If you want to rent silent disco headphones, it costs between $4 and $7 per headphone rental depending on how many you rent.\nAt www.silent-disco-rental.com, our price is as low as $4 per headphone for larger quantities but the price per unit is higher for rental of smaller numbers.\nBecause you are only paying per rented headphone, the Silent Disco Headphones are going to be quite a bit less expensive than the loudspeakers for a small party.\nWith the price being per headphone rental, that means that your rental costs go up as the guest count rises.\nHere are some round number examples: (You can rent exact numbers of headphones for your party.)“Pricing”\nWhat is your cost for renting our Silent Disco equipment?\n1) Pricing depends on quantity.\nHow much does it cost to rent headphones?\nExamples of current pricing:\nRental of 20 = $177.50\nRental of 30 = $222.50\nRental of 40 = $266.50\nRental of 50 = $309.00\nRental of 75 = $415.25\nRental of 100=$521.50\nRental of 150=$729.00\nRental of 200=$936.50\nRental of 300=$1344.00\nRental of 500=$2144.00\n(We also charge a security deposit, but that get’s returned to you when the equipment comes back safely. Learn more about that on our pricing page.)\nThose prices above, don’t include the cost of a DJ.\nAt my company, the DJ’s fee is an additional $149 per hour if we are supplying the music, the players, the light show, our DJ skills and our master of ceremony skills.\nIt should be noted that because our Silent Disco equipment provides you with three channels available to play three separate playlists, it is suddenly quite a bit easier to save the cost of hiring a DJ by using only automated playlists.\nYes, we still recommend a professional DJ and even three professional DJ’s; One broadcasting on each channel. But our equipment makes it much easier to skip hiring and paying the professional DJ. With three channels to stream unattended-automated playlists, there is a much greater chance of at least one of them having a fantastic song playing at any given time.\nGuests are willing to pay a higher admission fee for Silent Disco Parties.\nObviously, this doesn’t pertain to wedding receptions or parties where there is no cover charge, but an important detail is that people are willing to pay admission to your party because of the ‘cool’ factor.\nSilent Disco is hot and new and three times the fun of a regular party! Guests understand this and are willing to pay more for the added value.\nThink about how much more of a cover charge you’d be willing to pay for a Silent Disco party as opposed to just going to listen to some loud music on a traditional sound system?", "domain": "finance"}
{"url": "https://fedora-tn.org/science/the-founder-of-zoom-earned-five-billion-dollars-in-a-day/", "date": "2023-03-27T06:34:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948609.41/warc/CC-MAIN-20230327060940-20230327090940-00540.warc.gz", "language_score": 0.9613038301467896, "token_count": 223, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__64495682", "lang": "en", "text": "Eric Yuan, founder of the Zoom online conference service, earned $ 5.2 billion in one day. His fortune reached 22 billion, writes Bloomberg.\nZoom shares rose 32 percent after the release on Monday, August 31, of a report on quarterly revenue, which rose 355 percent year-on-year, to $ 664 million. The company’s net profit was almost $ 186 million. Zoom’s customer base increased by 458 percent compared to 2019, to 370.2 thousand companies.\nZoom has become one of the main beneficiaries of the coronavirus crisis. In addition, the winners from the pandemic were Amazon, owned by the richest man on the planet Jeff Bezos (Jeff Bezos). The billionaire himself set a record in 2020, becoming the first person in history to exceed the $ 200 billion mark.\nAnother beneficiary of the new crisis was the company Tesla and its founder Elon Musk (Elon Musk). The latter’s fortune increased to $ 114 billion, and he took the third place in the list of the world’s richest people according to Bloomberg.", "domain": "finance"}
{"url": "https://www.doddlecover.com/all-you-need-to-know", "date": "2022-12-05T04:52:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711003.56/warc/CC-MAIN-20221205032447-20221205062447-00240.warc.gz", "language_score": 0.9335196018218994, "token_count": 4628, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__38234202", "lang": "en", "text": "All you need to know\nWho we are\nDoddle Cover is a trading name of Insenture Underwriting Services Limited that is authorised and regulated by the Financial Conduct Authority (No 923592). This can be checked on the Financial Services Register by visiting the website: www.fca.org.uk or calling the FCA: 0800 111 6768.\nWhat we do\nWe are a non-advisory intermediary that act on your behalf to arrange your insurance. We will not provide advice or recommendations but instead will offer the most competitively priced product available from our range of insurers that is most suited to your demands and needs. If you decide to purchase a policy through us, you do so at your own choice and confirm that the product is suitable for your needs.\nWe will endeavour to issue your policy documentation on the day you arrange cover with us, but at times where this is not possible your documents will be issued the next working day.\nWe will notify you how to renew in good time prior to the expiry of your policy.\n1 - Duty of Care - Please take reasonable care to answer all questions honestly and to the best of your knowledge, as any product will be based on the information you have provided. Incorrect risk details provided either accidentally or deliberately may lead to an increase in your premium, invalidate your insurance cover, result in your insurer reserving the right to cancel your policy, or treat the policy as if it never existed. Incorrect information could also lead to claims being rejected or not fully paid.\nYou must therefore provide complete and accurate information to us at all times including when arranging your insurance and throughout the lifetime of any policy. Any change in your circumstance or the risk itself, such as changing occupation or receiving endorsements on your licence must be notified to us immediately. If you are unsure about disclosing any information, please ask us for guidance. You are reminded that it is an offence under the Road Traffic Act to make false statements or withhold any relevant information to obtain a certificate of motor insurance. Under the Rehabilitation of Offenders Act you are not required to disclose convictions regarded as ‘spent’.\n2 - Taxi Dashcam & Mobile Application - We will not provide any cover under our taxi product insurance (other than that required by the Road Traffic Acts), if an accident occurs whilst you or any other insured person whilst driving is not using the app and dashcam provided in accordance with the terms of your policy, you must also supply all accident data without delay to the claims department in the specified period. Failure to do so will result in us recovering from you or the driver all sums paid (including legal costs) whether in settlement or under a judgement of any claim arising from an accident.\n3 - Check Your Documents - It is vital that you take the time to immediately check all documentation that we send to you including application forms, schedules, certificates, cover notes and policy wordings to ensure all the information stated is present and correct. If you feel that any documentation is incorrect, you should contact us immediately.\n4 - Notify Accidents / Claims - All accidents regardless if you intend to make a claim should be notified to us immediately on:\n0330 124 6277\n4 - Supporting Documentation - To maintain our competitive premiums, validate your information and to combat fraudulent activity, your insurer may require you to provide certain documentation. These requirements will be outlined to you at the point of sale and in your Welcome Pack. Any supporting documentation that does not correspond to the information you have provided will be corrected and where applicable an additional premium may be charged by your insurer. We will also apply the charges set out below. You can provide the supporting documentation to email@example.com or via our document portal here\nFailure to provide the supporting documentation within 23 days of accepting the policy may lead to your policy being cancelled and charges imposed in line with our Cancellation section of this document.\n6 - Anti-Fraud Registers and Other Searches - To ensure you are offered our most competitive premiums now, at renewal and at any other time and to protect all customers from fraud, many insurance providers operate a credit scoring system and will use the information you provide to carry out checks with credit reference agencies, fraud prevention agencies, and other public and privately available sources of information. These checks can include electoral roll and credit information.\nThe information is used to verify your identity and is registered as a general insurance search. The searches may appear on your credit report whether or not your application for insurance proceeds, but will not harm your credit rating or adversely affect your credit profile. Whilst we do not carry out credit checks on our website, we or our partners may do so at any stage of the quote or purchase process, regardless if you obtain a quote via the internet or over the phone.\nHow we are remunerated\nWe may receive a commission from the insurer in return for arranging your policy. We also apply the following charges for our service and where a charge is variable, we will confirm an exact figure to you before any transaction.\nNew Business: Fee up to 15% of the insurer quoted premium\nRenewal: Fee up to 15% of the insurer quoted premium\nMaking a change to a policy: £25 (excluding the first change of vehicle registration where no charge is made)\nOur charges are non-refundable. Where you have chosen to pay for your premium through a third party finance provider, we may be paid commission for the arrangement of your credit agreement. We may also receive income from claims management companies and / or remuneration for profitability of the insurer.\nCancelling your policy\nWe really recommend that you get in contact with us before deciding to cancel your insurance policy to discuss your options. You have the right to cancel your insurance policy at any time, but charges will vary depending on when you cancel. When your policy is cancelled, any additional products are cancelled at the same time and our service charges and those of the insurer are not refundable. Any refunds due can take up to 30 days to be processed.\nThere are occasions where we will enforce cancellation of your policy. This is only performed when there is a good reason or if your insurers have instructed us to do so. Before cancelling your policy, we will always send at least seven days written notice to your last known address. The cancellation will be treated as a standard cancellation and you will incur the same charges as set out below.\nCancelling before cover starts\nIf you have instructed us to start a policy, but choose to cancel before any cover has commenced, we will charge £50.\nCancelling within the cooling off period\nIf your cover has started and you decide to cancel your policy within 14 days of receiving your documentation, and provided you have not made a claim or had a claim made against you, you will be charged the following;\n- A pro rata charge for the time your policy was on cover\n- A charge for the time any optional additional products were cover*\n- A cancellation charge of £50\n- The policy arrangement fee\n- A charge of £75 if a dashcam is issued by us and not returned\n*If you have used the service of any optional additional products within the cooling off period, the full charge of the additional product will apply.\nCancelling after the cooling off period\nIf your cover has started and you decide to cancel your policy outside of the cooling off period, and provided you have not made a claim or had a claim made against you, you will be charged the following;\n- A charge for the time your policy was on cover plus any insurers cancellation fee*\n- The full cost of any optional additional products, regardless if the service was used\n- A cancellation charge of £50\n- The policy arrangement fee\n- A charge of £75 if a dash-cam is issued by us and not returned\n*For the cancellation calculation for each insurer please refer to your policy booklet.\nIf you are paying your premium by instalments, where the total cost for your cover exceeds the amount that you have paid the third party finance provider, you will be required to pay the difference within 7 days. Failure to do so may result in us taking steps to recover any debt through a debt recovery agency that may apply further charges to the balance.\nIf you cancel your policy and you have made a claim, or a claim has been made against you, the full premium is due and any remaining instalments will need to be settled.\nAll non-annual policies (i.e. with a policy term less than 12 months) are calculated on a proportionate basis less a charge of £50 plus Insurance Premium Tax if applicable to cover our administration costs.\nTree Planting Initiative - All policies that are included will only become eligible once outside of the cooling off period.\nCredit/Debit Card Payment\nPlease note that any refunds can only be made back to the card used for the original transaction, or where this is not possible a cheque or BACS transfer will be issued.\nIf you choose to pay your premium by monthly instalments, we will arrange this for you through a finance provider unless your application for credit is declined. This method of payment works like a loan, where the finance provider will pay your insurance premium to us in full and you will pay back the finance company by monthly instalments including any interest applicable to the loan. We are a credit broker and not a lender.\nPlease note that paying your premium by monthly instalments does not provide a month’s cover at a time, you will have entered into an annual contract of insurance and have chosen a more manageable method of paying your annual premium. You are responsible for paying the monthly instalments when they fall due, please therefore take note of the payment schedule provided to you. A missed payment charge will be incurred for failing to pay a monthly instalment and if overdue payments are not received within 7 days of defaulting, we will commence the cancellation process.\nFor your protection, if you cancel your direct debit it will not automatically cancel your insurance policy, and could lead to unnecessary charges being applied to your policy. You should always contact us in accordance with the ‘Cancellation’ section of this document.\nThe finance providers will have their own terms and conditions, which you should read carefully upon receipt, and additional charges will be applied for the administration of a dishonoured payment. You will receive the credit agreement from your finance provider that you will need to sign and return. Failing to do so may result in your finance agreement to be cancelled which could affect your insurance policy.\nWe reserve the right to withhold documentation until due payments have been made. We will provide any documentation that we are required to do so by law.\nMaking a complaint\nWe are dedicated to delivering a first class level of service to all policyholders. However, we accept that things can occasionally go wrong and would encourage you to tell us about any concerns you have so that we can take steps to make sure the service you receive meets your expectations in the future. Our customer service team are here to help on 0330 124 5773 or firstname.lastname@example.org who will do all they can to swiftly resolve the issue. You can request a copy of our complaints procedure free of charge at any time.\nYou can also write to us at:\nInsenture Underwriting Services Limited\n94 - 102 Highstreet\nWe will make every effort to resolve your complaint by the end of the third working day after receipt. If we cannot resolve your complaint within this timeframe we will acknowledge your complaint within five working days of receipt and do our best to resolve the problem within four weeks by sending you a final response letter. If we are unable to do so, we will write to advise you of progress and will endeavour to resolve your complaint in full within the following four weeks.\nWhen contacting us please provide:\n- A policy number and/or claim number.\n- An outline of your complaint.\n- A contact telephone number.\nIf we are still unable to provide you with a final response at this stage, we will write to you explaining why and advise when you can expect a final response. At this point you may refer your complaint to The Financial Ombudsman Service at the following address:\nHarbour Exchange Square\nThe Financial Ombudsman Service\nYou may go directly to the Financial Ombudsman Service when you first make your complaint, but the Ombudsman will only review your complaint at this stage with our consent. However, we are still required to follow the procedure stated above. If you have received a final response but are dissatisfied, you have the right of referral to the Financial Ombudsman Service within six months of the date of your final response letter. You may only refer to the Ombudsman beyond this time limit if we have provided our consent.\nWhilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action.\nIf you have any suggestions or comments about our cover or the service we have provided please email email@example.com - We always welcome feedback to enable us to improve our products and services.\nFor our joint protection telephone calls may be recorded and monitored by us.\nIf you are still dissatisfied with the way your complaint has been handled, you can use the Online Dispute Resolution Platform (ODR) to submit your complaint for an independent assessment at: https://ec.europa.eu/info/index_en/\nProtecting Your Money\nWe hold your premium payment in a Client Money Bank Account until it is passed to your insurer. We cannot use your money for any other purpose other than to pay the insurer that your insurance is arranged with. We may earn interest from money held in this account, which we will retain. Unless you tell us otherwise, you are consenting to us holding your money in this way.\nThe laws of England and Wales govern this agreement and any dispute is subject to the exclusive jurisdiction of the English courts.\nHow We Use Your Information\nHow we may collect your information\nWe may collect details about you from:\n- Information you give to brokers.\n- Information you give us in online forms and other forms.\n- Other sources such as Google Earth and social media.\n- Third parties and other sources.\n- Telematics systems, dash-cams and mobile applications.\nWhat information we may collect about you\nWe collect details including details about your health, personal circumstances, claims history, credit history, motoring history and other relevant details. We may collect information on you from databases such as the electoral roll and county court judgment records.\nHow we may share your information\nIn order to provide our services to you, we may share your information with insurance companies, solicitors, regulators, business partners and suppliers. We may also have a legal obligation to provide your information, in certain circumstances, with regulators, police and other public bodies. Information you supply may be used for the purposes of insurance administration by us and third parties. These third parties may share your information with their own agents.\nHow we may use your information\nWe may use your information for a number of purposes. These include:\n- Providing you with our services.\n- Dealing with your claim.\n- Carrying out checks such as fraud checks and credit checks.\nDriving Licence Checks\nWe may also provide your (or any named third party) driving licence number (DLN) and other details to the DVLA to confirm licence status, entitlement and relevant restriction information and endorsement / conviction data. Searches may be carried out prior to your policy commencing and at any point during your insurance policy including any mid-term adjustment and renewal stage. For details relating to information held about you by the DVLA please visit www.dvla.gov.uk. The DVLA may also be used to search your (or any named third party’s) no claims discount (NCD) details against a no claims discount database to obtain information in relation to your NCD entitlement. We may pass details of your no claims discount to certain organisations to be recorded on a NCD database.\nMotor Insurance Database\nYour policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers’ Bureau (MIB). MID and the data stored on it, including your personal details, may be looked at and used by certain statutory and/or authorised bodies including the Police, the DVLA, the Insurance Fraud Bureau and other bodies permitted by law.\nIf you are involved in an accident (in the UK or abroad), insurers and/or the MIB may search the MID to obtain relevant information.\nPersons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.\nIt is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration details are shown on the MID at www.askmid.com.\nFraud Prevention and Detection\nWe carry out fraud checks on our customers. We do this in order to prevent fraud and also to help us make decisions about the provision, pricing and administration of insurance. When carrying out these checks, we will search against fraud detection databases. We may pass details about you to some of these databases. Law enforcement agencies, financial service providers, fraud prevention agencies, police and other organisations may also access these databases.\nWe may process data relating to your claims history for the purposes of assessing any claim you may make.\nThe aim is to help us to check information provided and also to prevent fraudulent claims. When you tell us about an incident we will pass information relating to it to these databases. We may search these databases when you apply for insurance, in the event of any incident or claim, or at time of renewal.\nCredit Searches and Accounting\nIn assessing an application for insurance or policy renewal, we may search files made available to us by credit reference agencies. They keep a record of that search.\nCredit reference agencies share information with other organisations, enabling applications for financial products to be assessed or to assist the tracing of debtors, or to prevent fraud.\nSometimes your information may be transferred outside the European Economic Area by us, by the organisations with whom we share your information or by the servants and agents of these organisations. If we do this we will ensure that anyone to whom we pass it provides an adequate level of protection.\nFor our Doddle Taxi customers where a dash-cam and mobile application is the mandatory the following terms also apply.\nThe Doddle Cover Taxi Cover App collects and transmits data on location, mileage driven, driving style along with the time and impact speed if your insured vehicle is involved in an accident. The app collects location data whilst you are driving even when the app is closed or in the background. This data is processed to help identify driver safety. We will not communicate this information to you or take any action unless there is a repeated occurrence of an extreme driving event.\nFor further information we may:\n- Collect GPS location information every second during an active journey using the GPS sensor in your phone.\n- Record Raw Trip Data which consists of the date and time for each one second GPS data point as well as a measurement of the GPS Horizontal Precision at that point in time.\n- Compare your acceleration events against others who have used the system and generate driver scores based on how you compare with the other reference drivers.\n- Compare your speed against a database of legal speed limits throughout the journey and generate a speeding score based on how much of your driving is within the legal speed limits. - Use your Driver Scores, Raw Trip Data or speeding related incidents, to influence aspects of your insurance policy or influence offers from us for other insurance policies. This may include changing the deductible (excess), offering you a discount, or in extreme cases withdrawing insurance cover.\n- Capture photographs of certain documents and items that may be associated with your policy or potential insurance product purchase.\n- Collect a GPS location fix for each photograph taken by the app including a date and time stamp. - Process each photograph taken on our platform and electronically read and store the text within the photographs which may include a vehicle number plate or name, DOB and address information from a photo of a driving licence.\n- Automatically identify or compare faces in an uploaded photograph against other documents provided.\n- Process, review and store Dashcam footage uploaded to us to administer or maintain the policy or to investigate any event or incident that may have been recorded by the Dashcam.\nRaw Trip data is anonymised and retained indefinitely and may be used by our Telematics provider and their associated partners for the purposes of improving systems, general analysis or generating new aggregate data sets.\nWe and/or the telematics provider may process Raw Trip Data to generate Driver Scores.\nWe will only hold your personal data for as long as we are required in law and by our regulators. Your Rights as a Data Subject\nUnder Data Protection Laws you have certain rights; these include for example, a right to understand what data we hold on you and a right to ask us to amend that data if it is incorrect. If you would like to exercise any of your rights please contact our Data Protection Officer (contact details below).\nData Protection Officer\nIf you have any questions about how we use your data, or to exercise any of your data rights please contact our Data Protection Officer at:\nThe Data Protection Officer\nInsenture Underwriting Services Limited\n1st Floor 94 - 102 Highstreet\nWe endeavour to place your business with insurers who have adequate means to meet their obligations but cannot guarantee the solvency of any insurer and we shall not be liable for losses suffered by you in the event of the insolvency of an insurer.\nAgreement to our Terms of Business does not affect your normal statutory rights.", "domain": "finance"}
{"url": "https://kkcontainer.com/shipping-container-scam/", "date": "2024-02-22T02:18:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473598.4/warc/CC-MAIN-20240221234056-20240222024056-00835.warc.gz", "language_score": 0.9307186603546143, "token_count": 3155, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__135179741", "lang": "en", "text": "The global storage container shortage has not only impacted the availability of containers but has also led to increased competition among buyers, creating an environment ripe for fraudulent activities. Scammers take advantage of this situation by exploiting the urgency and heightened demand for containers, manipulating potential buyers into hasty decisions and financial pitfalls.\nAs the shortage persists, it becomes increasingly crucial for buyers to exercise scrutiny and prudence when engaging in transactions related to shipping containers. Here’s what you need to know to avoid becoming a victim of this latest crime wave.\n3 Types of Shipping Container Scams\nIn the realm of shipping container scams, there are various deceptive tactics that scammers employ to lure potential buyers.\n- One common ploy involves the promise of special offers, discounts, or high returns on investments for purchasing shipping containers, creating an illusion of legitimacy. Scammers may go as far as creating fake businesses with enticing offers to attract unsuspecting buyers, leaving them vulnerable to financial loss and fraudulent activities.\n- In other cases, scammers resort to sophisticated methods such as creating counterfeit social media pages, stealing established company names, and utilizing phishing emails to deceive potential buyers. By impersonating legitimate businesses and using deceptive communication channels, they aim to gain the trust of their targets, making it essential for buyers to exercise caution and due diligence when engaging with sellers in the shipping container market.\n- These unscrupulous individuals also resort to stealing personal and financial information through illegitimate websites and communication channels, posing a significant risk to buyers. This underlines the importance of thoroughly verifying the credibility of sellers and the authenticity of their platforms before engaging in any transactions to avoid falling victim to such scams. It is crucial for buyers to remain vigilant and skeptical of offers that seem too good to be true, as scammers often exploit the desire for discounted containers and pressure buyers into making hasty decisions, leading to potential financial and legal ramifications.\nScammers often create fake social media pages that mimic reputable container companies, offering lucrative deals on shipping containers. They may then engage potential buyers through private messages, luring them with promises of substantial discounts and exceptional returns on investment.\nHowever, these enticing offers are simply a facade to deceive buyers, highlighting the importance of thorough research and verification before making any purchasing decisions.\n5 Red Flags When Buying Shipping Containers\nWhen considering the purchase of shipping containers, it is crucial to be aware of the red flags that may indicate potential scams. These five warning signs can help buyers avoid falling victim to fraudulent activities:\n- Steep discounts (i.e. 30% or more) on shipping containers should raise suspicion, as they may indicate a scam in progress. Scammers may use these enticing discounts to lure unsuspecting buyers into making hasty decisions without conducting thorough due diligence.\n- Illegitimate websites and fake contact information are other signs that potential buyers should be cautious of. Scammers may create fake websites or use fake phone numbers and addresses to deceive buyers into believing they are dealing with legitimate sellers. It is important for buyers to verify the authenticity of the websites and contact information provided by the sellers before proceeding with any transactions.\n- A lack of transparency in communication with the company and absence of reviews are also indicative of potential scams. Genuine sellers are usually transparent about the condition and history of the shipping containers they offer, and they often have reviews or testimonials from previous customers. On the other hand, scammers tend to avoid transparency and may not have any credible reviews to validate their legitimacy. Unsolicited contact from sellers should also be viewed with suspicion, as scammers often reach out to potential buyers without any prior interaction, attempting to pressure them into making impulsive decisions.\n- Buyers should be cautious of questionable or missing photos, demands for payment through cryptocurrency or pre-paid cards, and a general lack of knowledge about containers. Scammers may use these tactics to manipulate buyers into making payments through untraceable methods and to cover up their lack of knowledge about the products they claim to be selling. These red flags serve as crucial indicators that buyers should pay attention to in order to avoid falling victim to shipping container scams.\n- A potential buyer may come across a website offering shipping containers at significantly lower prices than the market average. Upon further investigation, the website may lack essential company information, such as a physical address or customer reviews, raising concerns about its legitimacy. Additionally, the seller might insist on receiving payment through cryptocurrency or pre-paid cards, avoiding conventional and traceable payment methods. These warning signs highlight the importance of scrutinizing potential sellers and conducting thorough research before engaging in any transactions.\nVerifying the Legitimacy of Sellers\nWhen it comes to verifying the legitimacy of sellers in the shipping container industry, there are several important steps that buyers should take. One crucial aspect is to ensure the authenticity of the seller by confirming their contact details. This includes verifying phone numbers and email addresses to ensure they are legitimate and not associated with any fraudulent activity.\nAnother essential step is to inspect any communication or documentation for company letterhead on invoices. Legitimate businesses typically use official letterheads for their invoices and other documentation, so the absence of this may raise red flags about the credibility of the seller.\nWe also recommend refraining from making payments via social media or similar applications. Scammers often use these platforms to deceive buyers, and making payments through them can significantly increase the risk of falling victim to fraudulent activities.\nConducting thorough research to select reputable suppliers is paramount to safeguard against falling victim to scams, because this takes care of most of the concerns to begin with. This includes comparing prices, reading reviews, and seeking recommendations from trusted sources to ensure that the chosen supplier is reliable and trustworthy. Taking these proactive measures can significantly reduce the risk of encountering fraudulent sellers and mitigate the potential for scams in the shipping container industry.\nA practical example of verifying the legitimacy of a seller is through requesting a physical meeting to inspect the containers before making any financial commitments. If a seller is hesitant to arrange an in-person inspection or provides excuses to avoid it, it could raise concerns about the authenticity of their offerings. Additionally, buyers can insist on receiving official invoices with company letterheads and thorough documentation, which are common practices among reputable sellers. These verification measures are essential in protecting buyers from falling victim to fraudulent activities in the shipping container market.\nSecure Payment Methods for Purchasing Shipping Containers\nWhen it comes to purchasing shipping containers, using secure payment methods is crucial to avoid falling victim to scams. One of the most recommended practices is to avoid transactions involving cryptocurrency or pre-paid cards, as these methods can be more challenging to trace and recover in case of fraudulent activities. For example, scammers often pressure buyers into using these untraceable payment methods to avoid being caught, making it essential for buyers to be cautious and avoid such payment methods.\nIn addition to avoiding cryptocurrency and pre-paid cards, it’s important to engage in direct communication with legitimate container sellers and utilize secure payment channels. For instance, reputable sellers often offer secure payment options such as credit card payments, bank transfers, or escrow services, which provide an added layer of security for buyers. By opting for these secure payment methods, buyers can minimize the risk of financial loss and ensure a more transparent and secure transaction process when purchasing shipping containers.\nBuyers should be wary of sellers who insist on unconventional payment methods and avoid engaging with them. By prioritizing secure payment options and conducting transactions through reputable channels, buyers can protect themselves from potential financial and legal repercussions associated with falling victim to scams in the shipping container industry.\nSecure payment methods include utilizing escrow services, where a neutral third party holds the buyer’s payment until the transaction is successfully completed. This approach provides an additional layer of security for buyers, ensuring that the funds are only released to the seller upon the satisfactory delivery of the shipping containers. By leveraging secure payment methods such as escrow services, buyers can mitigate the risks associated with fraudulent activities and safeguard their financial interests when engaging in transactions related to shipping containers.\nResearching and Choosing Reputable Suppliers\nWhen researching and choosing reputable suppliers for shipping containers, it is crucial to compare prices from different sellers to ensure that you are not overpaying for the containers. A 20-foot container’s price may vary based on its age, condition, and additional features, so conducting a thorough price comparison can help you make a cost-effective decision.\nIn addition to comparing prices, researching suppliers is essential to avoid falling victim to scams. You can explore customer reviews and testimonials to gauge the reputation and reliability of the suppliers. This approach allows you to gather insights into the experiences of previous buyers and make an informed choice when selecting a supplier. Furthermore, viewing containers on-site before making a purchase provides you with the opportunity to physically inspect the quality of the containers and verify the legitimacy of the sellers, mitigating the risk of being deceived by deceptive online listings.\nKeeping up-to-date with container prices and leasing rates is essential to avoid overpaying when purchasing shipping containers. This involves monitoring market trends and understanding the factors that influence container prices, ensuring that buyers make informed and cost-effective decisions based on current market conditions. By staying informed about pricing dynamics, buyers can navigate the process of selecting reputable suppliers with confidence and avoid potential scams in the shipping container industry.\nUtilizing online platforms that offer verified and vetted container sellers to find reliable suppliers. These platforms provide a curated list of reputable suppliers, complete with customer reviews and ratings, enabling buyers to make informed decisions based on the experiences of previous customers. By leveraging such platforms, buyers can mitigate the risks associated with encountering fraudulent sellers and ensure a secure and transparent procurement process for shipping containers.\nFactors Affecting the Price of Shipping Containers\nWhen it comes to the price of shipping containers, there are several key factors that can significantly influence the cost. One of the primary determinants is the age of the container. Newer containers typically command a higher price due to their pristine condition and longevity, while older containers might be more budget-friendly but could require additional maintenance.\nAnother crucial consideration is the features included in the container. Containers with custom features like windows, insulation, and electrical inputs can be more expensive than standard ones. These additional features enhance the functionality and versatility of the container, catering to specific needs such as temperature-controlled storage or mobile office setups, justifying the higher price tag.\nThe condition of the shipping container plays a vital role in pricing. Containers classified as “Cargo Worthy” or “Wind & Watertight” generally come at a premium due to their superior condition and structural integrity, providing peace of mind to buyers regarding the quality and durability of the container. Conversely, containers with visible wear and tear may be more affordable but could necessitate repairs or refurbishments, impacting the overall cost.\nIt’s important for buyers to factor in delivery expenses when assessing the total cost of purchasing a shipping container. The location of the supplier in relation to the buyer, as well as the mode of transportation, can influence delivery costs. Additionally, the availability of the desired container type and size at the chosen location may impact delivery expenses, emphasizing the need for thorough consideration of logistics when budgeting for the purchase. Understanding these factors equips buyers with the knowledge needed to make well-informed decisions and ensures that they secure shipping containers that align with their specific requirements and budget constraints.\nAs an example, a buyer seeking a shipping container for storage purposes may encounter varying price ranges based on the container’s age, condition, and additional features. A newer container with custom features such as insulation and electrical inputs may command a higher price due to its enhanced functionality and durability, while an older container with visible wear and tear might be more affordable but require additional maintenance. Additionally, the cost of delivery, influenced by factors such as distance and logistics, adds another dimension to the overall pricing considerations. By understanding these pricing dynamics, buyers can make informed decisions and avoid overpaying for shipping containers, mitigating the risks associated with potential scams in the market.\nAvoiding Scams When Buying Shipping Containers Online\nWhen buying shipping containers online, it is essential to be cautious and vigilant to avoid falling victim to scams. One common red flag to watch out for is pricing that seems too good to be true.\nScammers often use unbelievably low prices to lure unsuspecting buyers into making hasty decisions without conducting thorough research or verifying the legitimacy of the seller. A 40-foot shipping container typically has a certain price range, so if a seller offers a significantly lower price without a valid explanation, it could be a warning sign of a potential scam.\nAs a buyer you should be cautious of sellers who pressure them into making impulsive decisions or using unconventional payment methods. By exercising skepticism and thoroughly vetting potential sellers, buyers can protect themselves from potential scams and ensure a secure and transparent transaction process when purchasing shipping containers online.\nSeeking recommendations from trusted industry sources and leveraging verified online platforms can provide buyers with a curated list of reputable sellers, reducing the susceptibility to fraudulent activities and safeguarding their financial interests.\nReporting Shipping Container Scams\nIf you have fallen victim to a shipping container scam, it’s important to report the incident to the Federal Trade Commission. By doing so, you can prevent others from falling victim to the same fraudulent practices and contribute to the reduction of such activities within the industry. For example, if you encounter a suspicious online platform offering shipping containers at remarkably low prices and later realize it’s a scam, reporting the website to the proper authorities can help prevent others from being deceived.\nReporting any shipping container scams is essential in raising awareness about the tactics used by scammers. This can lead to increased vigilance among potential buyers and further deter scammers from targeting vulnerable individuals within the market. For instance, if you come across a social media page posing as a legitimate container company but suspect fraudulent activity, reporting it can help protect others from being swindled by the same scam. By taking the initiative to report shipping container scams, you contribute to the overall protection of buyers and the prevention of future fraudulent activities within the industry.\nTaking reporting measures is also essential in raising awareness and preventing scammers from targeting more individuals in the future. By reporting shipping container scams, victims can contribute to the protection of others and the reduction of fraudulent activities in the industry.\nVictims can share their experiences and warnings through online forums and social media platforms, creating a network of awareness and vigilance within the community. By sharing insights and cautionary tales, victims can help others identify potential scams and avoid falling victim to fraudulent activities within the shipping container industry. This collective effort in raising awareness and sharing information contributes to the overall protection of buyers and the prevention of future scams, fostering a safer and more secure environment for transactions related to shipping containers.\nThe Bottom Line\nThe global storage container shortage has heightened the risk of scams in the shipping container industry, making it imperative for buyers to exercise caution and thorough due diligence when engaging in transactions. By being vigilant, verifying the legitimacy of sellers, utilizing secure payment methods, and staying informed about pricing dynamics, you can protect yourself from potential scams and ensure a secure and transparent procurement process for shipping containers.\nWant to get your next container from a proven supplier? Contact us now for a quote. We’ve been providing custom and specialized containers for commercial and governmental projects for over three decades. With K&K International, your container is always delivered on time, in great shape, to your exact specifications!", "domain": "finance"}
{"url": "https://www.tywynbaptistchurch.org.uk/justice-team/christians-against-poverty/", "date": "2024-03-03T10:47:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476211.69/warc/CC-MAIN-20240303075134-20240303105134-00692.warc.gz", "language_score": 0.9590582251548767, "token_count": 116, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__81964863", "lang": "en", "text": "Christians Against Poverty (CAP)\nCAP Money is a simple, yet highly effective money management course that teaches people budgeting skills and a cash-based system that really works. This course will help anyone to get more in control of their finances, so they can save, give and prevent debt.\nTBC has partnered with Christians Against Poverty to offer CAP Money courses in our community. The service we offer is completely free. Please contact us find out when the next course is running at TBC or visit CAP money to find out about courses in other parts of the country.", "domain": "finance"}
{"url": "http://tilomitra.com/3-dangerous-factors-fueling-torontos-crazy-hot-real-estate-market/", "date": "2018-12-11T10:12:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823614.22/warc/CC-MAIN-20181211083052-20181211104552-00063.warc.gz", "language_score": 0.9730044007301331, "token_count": 1636, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__228923926", "lang": "en", "text": "This article was originally published by me on Medium.\nI’ve been following Toronto’s Real Estate market closely over the last 18 months while applying Macroeconomic concepts to it. It’s been an interesting learning experience to me and I’d like to share my thoughts on the matter here. I’ll preface by saying that the following is just my interpretation of what’s going on. I’ve tried to present as much raw data as I can. I encourage you to make up your own mind, but try to keep an open mind.\nOk, so you don’t have to be an economist to understand that something is amiss in the Real Estate markets of Canada’s largest cities, Toronto and Vancouver. I’m going to focus on Toronto in this article. I live there so I understand the dynamics of the city. It’s also the largest city in Canada so what happens here significantly and directly affects the Canadian economy.\n“Ok, so prices are going crazy and people aren’t earning a lot more money than they were before. We already knew that.” Don’t worry, I’ll get to the good stuff soon. Before we start, here are a few simple concepts that you should be aware of.\nSimply put, The Federal Interest Rate is the cost of borrowing money, as set by the Bank of Canada (BOC). The BOC will regulate interest rates to ensure that inflation stays around 2%. However, changing the interest rate affects the economy in different ways, as we will see below.\nA low interest rate means people can borrow more money since they will be paying lower interest on their mortgage.\nInterest rates are often lowered to boost sluggish economies. Low interest rates mean that companies can borrow money cheaply to invest in building goods & services, which in turn will boost the economy.\nLow interest rates mean reduced foreign investment, because investors do not get a high return on their money. This makes the Canadian dollar less likely to be bought, which lowers the value of it. Therefore, prolonged periods of low interest rates can cause inflation.\nA HELOC is a mechanism by which a home-owner can take out a loan from the bank. If your house has gone up in value, you can take that equity out of the house at a low interest rate.\nExample of HELOC If you bought a house for $1M (with $200K downpayment), and it has now gone up to $1.5M, you just made $500K on a $200K investment. But you can’t get access to this money until you sell your house. In these situations, you can get a HELOC. The bank would give you $500K (or however much you want, upto 65% of the value of your house), and in return you would pay the bank a low interest rate. HELOCs are often used to consolidate debts since the interest you pay on them is quite low. However, they can be dangerous as we will soon find out.\nFirst, let’s talk about what is not happening. I don’t think this market is being fueled by foreign buyers coming and buying up properties in bulk. I don’t trust TREB but their data suggests that only 5% of all property may be bought by foreign buyers.\nThis means foreign buyers bought about 5,000 properties last year in Toronto. That number seems reasonable to me.\nNo, prices are not going up because “Toronto is like London, New York and Paris.” Toronto is not one of the financial, cultural, or metropolitan capitals of the world. Not yet.\nIt’s the year 2015. Steve & Kelly are a married couple who rent in Toronto. Let’s say they earn a gross family income of $100K ($6K monthly take-home after tax) and they pay rent of $2,000 a month. Very reasonable.\nAt this point, a few things can happen. And this is where things can get dangerous.\nAll three of these scenarios demonstrate speculation, as Steve & Kelly really have no idea what the market will do, but they use the increased valuation of their house to live above their means.\nThe Bank of Canada recently mentioned that HELOC loans are going through the roof. Forty percent of consumers do not make a regular payment against the outstanding HELOC principal and 25 percent cover only the interest or minimum payment.\nThese loans that people are taking out are being spent on speculative investments or consumer goods. This means things like home improvements, cars, vacations, TVs, Macbooks, etc.\nIn the previous example, Steve & Kelly earned $100K/year but somehow managed to get into a $1.5M house + other assets via their HELOC.\nWell, in the near future, a few things can happen.\nWell, Steve & Kelly are paying $3,000 at a 2.3% interest rate, which constitutes 50% of their monthly income. They also have to pay off their HELOC at some interest rate. What happens if that rate rises by 1%? Well, their payments would increase by $500, or 15% a month.\nIf rates rose by 2%, they would be paying $1,000 more per month!\nNow you may say, “C’mon, interest rates don’t rise by 1–2% out of nowhere”, and you’d be right. But it doesn’t actually take a rate hike for Steve & Kelly to get screwed.\nWhat happens if property prices stop going up by 15% a year (maybe because the government introduces some measures)? Well, as soon as property prices stagnate, speculators in the market will want to cash out because they were in it to make money.\nThis can cause an increase in supply in the market, which can lower demand. No more FOMO if there are a ton of houses on the market. This causes prices to drop more. No one wants to buy a house when home prices are falling, and everyone wants to sell.\nFalling home prices will directly affect the amount of remaining equity in Steve & Kelly’s home.\nWhat happens if prices fall by 15%, which is possible since they have been rising by 17% YoY?\nWell, their $1.5M house would be worth $1.22M. Therefore, their total equity is $200K (downpayment) + $220K (appreciation). But they took out a $300K HELOC so their real equity is only $120K.\nIn other words, a 15% decrease in home prices means they are $80K underwater.\nThe government is going to try it’s best to make sure people’s home prices do not fall because if they do, they will get voted out. However, the government can only do so much to control the market. They can’t really restrict free market economics.\nHere’s another data point for you. The Canadian Dollar is trading at the lowest price vs. the USD over the last 12 years, and the Bank of Canada recently announced that the economy did better than expected in terms of job creation.\nA good economy means that interest rates can rise, because there is no need to support it with artificially low rates (It’s what we talked about right at the beginning, remember?). If rates do not rise, then the dollar will keep falling in value.\nSo there are really two options:\nEither way, people aren’t going to be happy. And that’s the problem that the Bank of Canada faces.\nIf I had to list the main takeaways from this article, I’d suggest:\nI think that’s good advice regardless of whether there is a housing bubble or not.", "domain": "finance"}
{"url": "https://sec-api.com/filing/acc/0001398344-17-004724", "date": "2020-10-27T20:23:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107894759.37/warc/CC-MAIN-20201027195832-20201027225832-00103.warc.gz", "language_score": 0.903610348701477, "token_count": 291, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__94118543", "lang": "en", "text": "ALPINE GLOBAL INFRASTRUCTURE FUND,\nA SERIES OF ALPINE EQUITY TRUST\nSUPPLEMENT DATED APRIL 10, 2017\nTO THE SUMMARY PROSPECTUS DATED FEBRUARY 28, 2017\nThe following replaces the second footnote to the fee table in the section of Alpine Global Infrastructure Fund’s Summary Prospectus titled “Fees and Expenses of the Fund”:\n(2) The Adviser has agreed contractually to waive and/or reimburse expenses of the Fund so that total annual fund operating expenses (including 12b-1 fees, but excluding interest, brokerage commissions, acquired fund fees and expenses and extraordinary expenses) do not exceed annually 1.45% of the average net assets of the Class A shares and 1.20% of the average net assets of the Institutional Class shares. Total annual fund operating expenses after waiving fees and/or reimbursing expenses exceed the expense cap as a result of interest expense. This arrangement cannot be terminated prior to February 28, 2018 without the Board of Trustees’ consent. The Adviser may recapture amounts waived and/or reimbursed to a class if such recapture occurs within three years of the waiver and/or reimbursement and does not cause the total annual fund operating expenses of the Fund for any year to exceed the limits described above.\nPlease retain this Supplement for future reference.", "domain": "finance"}
{"url": "http://gdbremodeling.com/blog/category/sell-your-house-fast/", "date": "2018-08-19T13:45:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221215176.72/warc/CC-MAIN-20180819125734-20180819145734-00215.warc.gz", "language_score": 0.9673873782157898, "token_count": 650, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__131418995", "lang": "en", "text": "Selling a house can be a really tiresome procedure thinking about just how selective buyers can obtain. It can obtain discouraging whenever potential buyers pertain to watch your house but don’t appear to be encouraged. When selling your house, plenty of persistence is required, plus you would have to make certain that your home is in the best condition to thrill the possible home buying company such as Highest Cash Offer and also compel them to lastly close the deal.\nNevertheless, some situations may not offer you sufficient area to exercise such persistence. Maybe that you are in urgent demand of cash or you are shooting with the sale to avoid foreclosure. Job loss and also relocation as well as divorce are several of the various other things that could place you in a place where you simply have a have to have actually the house sold. If you value your house, you wish to have the very best offer of what it’s worth, yet the limited time you have can imply supplying it at a throwaway rate. Thankfully, there is a far better way out of all the tedious job of obtaining the house in good condition and waiting for an interested customer prior to you can obtain your practical the cash that you require.\nThe Investor Remedy\nWhen in such a placement, after that the best way out is to find real estate investors. Such financiers make the selling process very simple for you and will make certain that you obtain value wherefore your house truly deserves. The capitalists buy properties and you do not should take care of any repairs that are called for. Their main aim is to buy your home prior to updating it and making it ready for resale. When you don’t have the moment to do all this and you are truly not interested to go through all the concerns after that such an investor supplies you a fast escape of the scenario.\nIn essence, the capitalist will certainly have the house valued by an expert and give you an offer based on its current worth. The offer naturally will likewise be based upon the degree of house damage in various locations, but you absolutely get worth for the current problem of the house. The best aspect of real estate investors is that most offer cash for the sales as well as you could, therefore, channel the cash to areas that are crucial to you or locations that require your urgent financial focus.\nThey likewise have fewer limitations when it concerns the kinds of homes they could buy. Unlike buyers who have certain kinds of residences they are interested in acquiring, financiers will occupy anything, including condominiums, condominiums, duplexes, single household residences as well as land. This conserves you the time of waiting for the ideal purchaser to find along. If you are encountering a difficult situation and should sell your house fast, after that the real estate investors offer the quickest escape and you don’t need to bother with the problem of your house or long closing procedures.\nWhether you are wanting to quit foreclosure or you simply have an urgent need for the loan, after that a real estate investor saves you the long, tedious procedure of locating the appropriate buyer as well as closing the deal. Anyway, you might follow more tips to sell it faster and at a better price.", "domain": "finance"}
{"url": "http://www.upns.org/article/182-100-hryvnia-note-for-2015", "date": "2017-04-29T15:28:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123530.18/warc/CC-MAIN-20170423031203-00016-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9194220900535583, "token_count": 475, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__289813609", "lang": "en", "text": "New 100-hryvnia note for 2015\n- Published on 30 March 2015\n- Written by UPNS Admin\n- Hits: 3332\nOn March 9, 2015 the National Bank of Ukraine introduced into circulation a newly designed 100-hryvnia banknote with a number of advanced international security features, including a transparent 'window' and an optically variable SPARK feature which changes color depending on the viewing angle.\nThe new note is the dominant yellow-olive color as with the previous version of the bill and is printed on paper substrate containing a watermark of Taras Shevchenko and electrotype 100. The obverse features a portrait of Ukrainian national poet Taras Shevchenko, a painter’s palette and brushes as a SPARK patch, and prose from his poem “Shall we ever meet again...” (\"Чи ми ще зійдемося знову\") written in 1838.\nLove your dear Ukraine, adore her,\nLove her . . . in fierce times of evil,\nIn the last dread hour of struggle,\nFervently beseech God for her.\nThe images have individual relief printing allowing them to be checked by touch alone. The signature is that of Valeriya Hontareva, Head of the National Bank of Ukraine.\nThe reverse shows the Taras Shevchenko National University building in Kyiv and the year 2014. The note also contains security features detectable by those with visual impairments, as well as those detected using Ultraviolet (UV) and Infrared (IR) light.\nDeputy Governor of the National Bank, Jacob Smoliy, noted that the date of issuance of the notes - March 9, 2015 - coinciding with the anniversary of the birth of the outstanding representative of the Ukrainian people Taras Shevchenko. \"It is symbolic that the presentation of the new banknotes 100 hryvnia, which, as in this denomination banknotes previous examples, a portrait of Taras Shevchenko is the very year the 200th anniversary of the birth of the Great Poet.\"\nThe new banknote is the result of a long term project begun in 2012 to replace the previous banknote series issued between 2003 and 2007.", "domain": "finance"}
{"url": "http://www.seawaves.net/en/Articles/3342/NITC-Mulls-Investment-in-LNG-Tanker-Fleet.html", "date": "2022-01-20T10:50:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320301737.47/warc/CC-MAIN-20220120100127-20220120130127-00638.warc.gz", "language_score": 0.9644412994384766, "token_count": 368, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__216365371", "lang": "en", "text": "National Iranian Tanker Company (NITC) is considering venturing into the liquefied natural gas (LNG) market as Iran gears up for production of natural gas in the future.\nThe plans were revealed by Mohammad Reza Shams Dolatabadi, NITC’s head of international affairs, Reuters reported, who said that NITC was looking into the acquisition of LNG tankers in the upcoming three to five years.\nThe diversification plans and fleet build-up come as NITC marks a substantial return to the European shipping market following the lifting of sanctions against Iran in January 2016.\n“Our ships are calling at many European ports, and the number of these shipments is increasing day by day,” he told Reuters.\nAccording to Dolatabadi, the company is eager to renew its fleet and is working on a five-year plan that will include purchasing of new tonnage and dismantling of outdated vessels, but without a major change to the fleet’s capacity.\nEarlier this month, NITC’s parent company, National Iranian Oil Company (NIOC), signed a USD 5 billion deal with Total, marking the return of European oil majors to the country.\n“By signing this contract, a lot of doubts with some foreign companies to invest and work in Iran will be resolved, and in fact, this will be the beginning of a return for those who want to invest in Iran, not only in Oil industry, but also in other fields not related to oil,” Iranian Minister of Petroleum Bijan Zangeneh said.\nAs disclosed by NIOC, Iran currently produces 290,000 barrels of crude oil per day, the figure which is going to witness an increase of 78,000 barrels bpd.", "domain": "finance"}
{"url": "https://woodburyimplantandoralsurgery.com/new-patients", "date": "2020-09-30T09:11:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600402123173.74/warc/CC-MAIN-20200930075754-20200930105754-00439.warc.gz", "language_score": 0.9470322728157043, "token_count": 185, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__191420944", "lang": "en", "text": "To expedite your appointment, we invite you to click the link below to print and complete our oral surgery patient forms. Just remember to bring the completed forms to your appointment. We look forward to meeting you.\nAt Woodbury Implant Sedation and Oral Surgery, we accept all dental insurance plans that allow you to choose your dentist. We are also contracted with several insurance plans. Please call us to see if we are in network for your plan.\nAs forms of payment, we accept cash, check, most major credit cards, and CareCredit, a third-party financing program that offers low- and no-interest financing plans. We also offer a 10% discount to senior citizens and a 5% discount to those who pay on the day of their service. For more information on CareCredit, dental insurance, or your financial options, please call us. We will gladly answer any questions that you may have.", "domain": "finance"}
{"url": "https://josephmcinerney.medium.com/how-to-invest-in-your-first-property-3e0423b33386?source=user_profile---------7----------------------------", "date": "2023-10-04T16:36:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511386.54/warc/CC-MAIN-20231004152134-20231004182134-00498.warc.gz", "language_score": 0.9488504528999329, "token_count": 446, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__118304671", "lang": "en", "text": "There are many different ways for property owners to make money on their investments. One of the most common ways is by purchasing a rental property for either residential or commercial use. Yet getting into real estate investment can be tricky and intimidating. There’s a lot to research and learn before making your first purchase. Here is some advice on investing in your first property.\nIs It Right For You?\nBefore making the big decision to invest in real estate, ask yourself if this is the right move for you. Does it make sense financially? There are mortgages and operating costs to consider, along with any surprises that may crop up. Other concerns include whether you’re willing to deal with tenants (this can vary depending on whether the property is residential or commercial). Don’t be afraid to think things over before making any final decicions.\nFirst things first, investing in real estate requires funding. For your first property, you’re more than likely going to need to rely on a mortgage rather than being capable of paying for the property upfront. Ideally, one should strive to get preapproved before they begin seriously looking for property to purchase. This will streamline the process while allowing you to move quickly when you find the right property.\nGenerally, one should expect to put down between ten and twenty percent of the property value as a down payment. This will need to be considered in addition to handling a mortgage.\nOnce all the finances have been accounted for, it is time to start property hunting. Two primary concerns for this part of the process would be location and budget. It is beneficial to look at different areas and research their average rental prices, as this will provide an idea of prices and returns.\nOne final thing to consider is how the property will be maintained. Are you going to be the property manager? Or is hiring a property manager a better option? The latter is beneficial if you want to be hands-off, own properties outside of your area, or hand it off to someone with experience. However, remember that this will cut into the return on your investment.\nArticle originally published on JosephMcInerneyChicago.net", "domain": "finance"}
{"url": "https://www.gamblingbonusforum.com/t109-rank-to-acquire-gala-casinos", "date": "2022-10-01T17:19:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030336880.89/warc/CC-MAIN-20221001163826-20221001193826-00481.warc.gz", "language_score": 0.9289306402206421, "token_count": 701, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__171064321", "lang": "en", "text": "Rank To Acquire Gala Casinos\nThe Rank Group Plc (“Rank” or the “Company”)\nProposed acquisition of Gala Casinos Limited (“Gala Casinos”)\nRank announces that it has conditionally agreed to acquire Gala Casinos from Gala Coral Group Limited (“Gala Coral Group”) for a total cash consideration of £205 million (the “Acquisition”).\nThe Acquisition includes 23 casinos in Great Britain and three non-operating licences. Gala Coral Group’s casinos in Dundee and Gibraltar, its non-operating licence for the City of Westminster (London) and all of the central management functions previously associated with Gala Casinos are not included in the scope of the Acquisition.\nThe Acquisition presents a significant opportunity for Rank to continue to deliver sustainable value to shareholders through the development of its successful casino portfolio:\n· Creates the largest casino operator in Great Britain by number of casinos with 58 operating venues and 13 non-operating licences\no Strongly positioned to capture the long-term growth opportunities presented by the British casino sector\no Significant opportunity to deploy Rank’s proven management expertise across an enlarged portfolio\n· Accelerates Rank’s programme of estate expansion in Grosvenor Casinos\no Rebranding of Gala casinos extends Grosvenor brand into 11 new cities\no Roll-out of the proven ‘G Casino’ format to nine Gala casino locations. The ‘G Casino’ roll-out has historically generated over 20% year two cash on cash returns\n· Expected to be earnings enhancing for Rank in the first full financial year of ownership\nRank intends to finance the Acquisition along with its related costs and expenses with new three-year bank facilities totalling £175 million together with existing bank facilities.\nCommenting on the transaction, Ian Burke, chairman and chief executive officer of Rank said:\n“We are delighted to have agreed terms with Gala Coral. This Acquisition will deliver a step change in Rank’s earnings by capitalising on our proven record of operational excellence in the British casino sector and will be earnings enhancing in the first full year of ownership. By rolling out the ‘G Casino’ format into the Gala estate and expanding the Grosvenor Casino brand into 11 new cities, we will accelerate the growing awareness of the brand and support the development of a multi-channel gaming business.”\nThe Acquisition, which is expected to be completed in the third quarter of calendar 2012, is conditional upon the approval of Rank shareholders and receipt of UK merger control clearance.\nA circular including details of the Acquisition and containing notice of a general meeting of the Company (the “General Meeting”) (at which a resolution seeking Rank shareholder approval for the Acquisition will be proposed), will be despatched to shareholders as soon as practicable (the “Circular”).\nRank has received an irrevocable undertaking from its majority shareholder, Rank Assets Limited (a wholly-owned subsidiary of Guoco Group Limited), to vote in favour of the resolution to be proposed at the General Meeting.\nEvercore Partners is acting as sponsor and financial adviser to Rank in relation to the Acquisition. Investec is acting as corporate broker to Rank.\nYou can try out the new GalaCasino by clicking banner underneath here", "domain": "finance"}
{"url": "https://henkilostoliiga.fi/en/for-the-employee/wages/", "date": "2019-05-21T19:58:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256546.11/warc/CC-MAIN-20190521182616-20190521204616-00471.warc.gz", "language_score": 0.9578477740287781, "token_count": 150, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__142691833", "lang": "en", "text": "As an employer Henkilöstöliiga is a secure and sure business which has been in the field for a long time. In regards of wages we strictly adhere to the sector specific collective agreements. An employer’s hourly wage is determined based on the assignment, collective agreement and competence. Even if the place of employment were to change, Henkilöstöliiga will remain as your employer. We will take care of all the employer’s statutory duties, like holiday compensation, social security payments and insurances in the normal fashion.\nAll our services are free for the job-seeker. In 2016 we employed over 500 people, the amount of money we paid as wages was approx. 2,5 million euros.", "domain": "finance"}
{"url": "http://marshfamily95.blogspot.com/2010/05/cvs-trip.html", "date": "2018-07-21T15:19:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676592636.68/warc/CC-MAIN-20180721145209-20180721165209-00323.warc.gz", "language_score": 0.9643942713737488, "token_count": 724, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__189104642", "lang": "en", "text": "I have always thought that using coupons was a waste of time. A few months ago, a friend of mine started couponing on a regular basis and was saving \"LOTS\" of money on groceries and other items. I decided I wanted to save up to 50% on my grocery bill using coupons too. I started purchasing Sunday Newspapers with coupon inserts in them...at least two a week. I also used Internet coupon sites to print off coupons and found website for specific products where they also offer coupons. I purchased a box to organize all my coupons...and I was ready to go.\nI started \"following\" many different blogs that helped me understand all of that couponing lingo...and was very psyched about saving money. One store that I always thought was \"overpriced\" and didn't understand why people would shop there was CVS. Granted, I got any prescriptions there...but never would think to buy my shampoo, laundry detergent, deodorant, toothpaste, etc. there....but BOY was I WRONG!!! CVS is a great place to use coupons. I was already a CVS EXTRA CARE rewards member..and every week CVS runs great specials for those with EXTRA CARE cards. They also have a coupon center that you can scan your card at daily to receive coupons for your CVS purchases....as well as they have a Green Bag tag that costs $1. You can scan the card once per day with a purchase (if you have a \"green bag\") and after it is scanned four times you receive a $1 ECB to use on another purchase. I have been shopping at CVS weekly since I started using coupons...but never really had anything to write about until today!!! I visited one of the blogs that I visit daily Couponing to Disney and she was hosting a Bargain Brag Tuesday link. I visited Friend Family Savings and saw what she had purchased at CVS this week for only $1.43. So I found the coupons I needed to almost duplicate her purchase and........\nHere is what I bought\n(2) Betty Crocker Warm Delights $1 ea\n(2) Nivea Body Wash 16.9 oz. $4.88 ea\n(2) Nivea Lip Care $2.99 ea\n(2) Dawn Hand Renewal Dish Soap $.97 ea\n(4) Tic Tac singles $1.39 ea\n(2) $.50/1 Betty Crocker Warm Delights (printable here)\n(1) $4.00/1 Nivea Body Wash RP insert 5/2\n(1) B1G1 Nivea Body Wash from All You (May 10)\n(1) $1/1 Nivea Lip Care RP insert 5/2\n(1) B1G1 Nivea Lipa Care from All You (May 10)\n(1) $2/2 Body Wash (CVS coupon printed from coupon center – details here)\n(1) $1/2 Dawn Hand Renewal for P& G insert 5/2\n(2) B1G1 single Tic Tac from RP insert 5/2\n$6 ECB from previous purchase\n= $0.08 OOP!!!!!!!!\nPLUS I received $5 ECB for buying $15 in Nivea products\nTotal: A $4.92 Money Maker (including the $.25 green card scan it would really be a $5.17 Money Maker!!!", "domain": "finance"}
{"url": "http://bettyhinton.ca/speeches/2004-03-25.html", "date": "2020-02-23T12:48:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875145774.75/warc/CC-MAIN-20200223123852-20200223153852-00438.warc.gz", "language_score": 0.878771185874939, "token_count": 4737, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__181299973", "lang": "en", "text": "Mr. Speaker, today I rise to speak to the tenth budget of a tired, old and corrupt Liberal regime.\nMonsieur le président, je prends la parole aujourd'hui au sujet du dixième budget d'un régime Libéral fatigué, vieux et corrompu.\nIt is a Liberal regime mired in scandal. It is a Liberal regime wishing to shake its past. It is a Liberal regime that cannot be trusted to manage our public funds.\nThis budget tried to make one claim. It tried to say that this government can be trusted to manage public funds. But what is the reality?\nWe have continued record spending levels. The government has been exposed as ripping off the taxpayer in scandal after scandal. The government has been exposed as wasting dollar in program after program. And this budget will change none of those things.\nOttawa remains knee deep in cash - hidden surpluses will continue. A few short years ago, the Government of Canada had projected program spending of just over $100 billion dollars. This budget projects program spending well over $150 billion dollars. That is an increase of 50 percent.\nThere is no return of tax dollars to overtaxed Canadians and Canadian families. There is no reduction in onerous tax levels. And the pledge to do better in the future is empty. It is empty because this government, and this prime minister, has had ten years to do better.\nHe was the one writing the cheques for the sponsorship scandal. He was the one writing the cheques for the HRDC boondoggle. He was the one writing the cheques for the useless gun registry. His promises to clean up the mess are simply not credible.\nHe had his chance. And he missed his chance.\nPaul Martin then vs. Paul Martin now.\nMonsieur le président, ce gouvernement a bénéficié de 10 années pour se poser en bon gestionnaire financier.\nCe premier ministre a bénéficié de 8 budgets pour mettre en place des changements afin d'améliorer la gestion des fonds publics. Et il n'en a rien fait.\nDans les discours des précédents budgets, il a répété qu'il contrôlait bien les dépenses publiques. Maintenant, le premier ministre dit qu'il n'avait « aucune idée » de ce qui se passait dans le scandale des commandites.\nMr. Speaker, this is the tenth budget of this tired, old and corrupt Liberal regime. The first eight budgets were delivered, as Canadians know, by the current prime minister. Before turning my attention to today's budget, I want to take a small detour through some of those earlier budgets.\nMr. Speaker, in those early budgets, the Prime Minister, who was finance minister at the time, took full responsibility for the spending program of the government. The message of those budgets was clear: your finance minister is in control of taxpayers' dollars.\nIn his 1995 budget speech, the current prime minister said the following:\nThe government has just introduced a new and much tighter system to manage its spending.\nFor the first time, departments will have to prepare business plans for three years forward. that transparency and that accountability will mark a major departure from the past.\nIndividual ministers are being asked to alter their funding approach accordingly. They will be held accountable for their decisions and those decisions will be reviewed annually.\nReviewed annually, one can only assume, by the minister of finance, or at least by Treasury Board, on which the minister of finance was the vice chair.\nThe year 1995 is significant. That is the year in which the Liberal government nearly lost the country. That was also the year in which the Liberal government decided to create a sponsorship program.\nAllow me to rephrase that:\nThe year that the Liberals created the Sponsorship Program was also the year in which the current prime minister put in place \"a new and much tighter system to manage its spending.\"\nOf course, most Canadians remember 1995 as the year in which government cut billions of dollars from the health care system.\nAllow me to rephrase that:\nThe year that the Liberals created the Sponsorship Program was also the year in which the current prime minister massively cut spending on health care.\nThe 1995 budget put forward four priorities.\nThe very first priority was to:\nReform government programs and procedures to eliminate waste and abuse and ensure value for the taxpayer's dollar.\nThis promise was repeated in his 1996 budget speech:\nIf there is one area where we must never let up, it is the effort to root out waste and inefficiency.\nAnd in his 1998 budget speech:\nThe battle to root out waste and inefficiency can never end.\nNow, allow me to rephrase all of that:\nThe year in which the Liberals created the Sponsorship Program was also the year in which the current Prime Minister first vowed to root out waste and abuse of taxpayer dollars.\nAnd now this budget, once again, tries to establish the government as \"prudent managers.\" The government has made a number of recommendations to tighten spending. They want to re-establish the office of comptroller general. Canadians are rightly asking, \"you mean you don't have one now?\"\nAnd the answer is, no. The answer is \"no\" because the current Prime Minister cut this office in his first budget as finance minister.\nThey want to appoint professionally accredited comptrollers. And Canadians are rightly asking, \"you mean they aren't accredited now?\"\nAnd the answer is no - because the Prime Minister never thought it necessary to establish them.\nThe want to bolster the audit function, they want \"real-time information systems\" and \"public disclosure of contracts.\" And again, Canadians are rightly asking, \"you mean they don't do that now?\"\nAnd the answer is no, because the Prime Minister never thought it necessary when he was finance minister.\nWhy should Canadians believe any of these promises when the Prime Minister had ten years - ten years as finance minister - to make them happen?\nThe Prime Minister cannot have it both ways. He cannot claim, on the one hand, to have had a tight reign on spending, and at the same time, not created the most elementary spending control mechanisms that this scandal has finally driven the government to recommend.\nThe Prime Minister cannot have it both ways. He cannot claim, on the one hand, to have \"reformed government programs\", to have \"eliminated waste and abuse\", and at the same time claim that he had absolutely no idea that $100 million dollars was being shovelled into the hands of Liberal friends.\nYet, that is exactly what the Prime Minister is saying today.\nAllow me to quote from some more recent statements.\nOn February 10:\nI had no idea what was going on here.\nOn February 11:\nI didn't know anything about it.\nOn February 16:\nDid I know that people were kiting cheques, that people were making payments that were inappropriate, did I know all of those things?... The answer is absolutely not. I did not know that.\nThese claims to ignorance and innocence are no more believable coming from the Prime Minister than they are coming from Alfonso Gagliano.\nThe current budget\nLe Premier ministre veut croire qu'il représente le changement. Il est bien loin de la vérité.\nCe Premier ministre a eu 10 ans pour tenir ses promesses, comme la création d'un poste de commissaire à l'éthique indépendant, plus de votes libres, et un meilleur programme d'infrastructure pour répondre aux besoins de nos municipalités.\nCe Premier ministre a manqué l'occasion de réaliser toutes ces choses et il ne mérite pas une seconde chance.\nYesterday's budget continues the theme put forward by the Prime Minister in a speech last week. The Liberals want Canadians to believe that they represent \"change\". \"Trust me,\" says the Prime Minister, usually with some reference to \"high water\" and \"hell.\"\nWhy should Canadians trust this Liberal government? For ten years, this Liberal government has refused to create a genuinely independent ethics counsellor. For ten years, this Liberal government has failed to give its members free votes. For ten years, this Liberal government has failed to allow Parliament to review appointments. For ten years, this Liberal government has failed to prudently spend Canadians' tax dollars. For ten years, this government has failed to deliver municipal infrastructure programs that adequately meet the needs of our communities. For ten years, this government has failed to clean up contaminated sites like the Sydney Tar Ponds.\nAnd these are just some of the promises made by the Liberals repeated - made in the first Liberal Red Book in 1993; made in a book written by the current Prime Minister himself.\nMr. Speaker, promises of change from this Prime Minister are no more believable today than they were ten years ago. He had his chance. And he missed his chance. And that is why Canadians should not believe the promises in this budget.\nBudget promises: don't hold your breath\nAllow me to briefly touch on some of the items in this budget.\nCe budget s'efforce de présenter le gouvernement comme un bon gestionnaire financier. Et pourtant, il n'y a toujours pas de changements au registre des armes à feu. Les membres du gouvernement continuent de se déplacer dans des nouveaux avions à réaction, alors que l'armée se contente de vieux hélicoptères.\nCe gouvernement veut parler de faire le ménage dans les dépenses gouvernementales afin de dissimuler le montant des sommes gaspillées au cours des 10 dernières années.\nLe budget fait quelques promesses positives pour les soins de santé et l'éducation, mais ce ne sont guère plus que des vieilles promesses des dernières années qui sont réutilisées.\nLe budget se prononce en faveur d'une plus grande ingérence du fédéral dans les champs de compétence des provinces - en particulier dans le domaine des villes.\nIl n'y a pas d'argent pour l'armée, il n'y a pas de limite à l'arnaque de l'assurance-emploi. Et par dessus tout, il n'y a pas d'allégement fiscal pour les canadiens et leurs familles.\nThe government has made promises to clean up spending if the Canadian people re-elect it.\nThis promise is little more than empty rhetoric. There are no plans to scrap the firearm registry. There are no plans to reduce corporate welfare. The government is still flying brand new jets while the military has to make do with dilapidated helicopters.\nThis government wants Canadians to believe that they are good managers because they balance the budget. It wants Canadians to trust their fiscal management of money, even thought it is padding the budget for future spending without any controls.\nThis government has a dismal record of fiscal management, and no amount of balanced budgets is going to gloss over the sponsorship scandal, the gun registry or the HRDC boondoggle.\nTo repeat, it was the current Prime Minister who first weakened the comptroller functions of government in 1994. In 1995, the Prime Minister promised a program review, yet he would have us believe that the sponsorship scandal somehow escaped his attention.\nThis government is no more likely to clean up spending today than it was likely to eliminate the GST in 1993. This is just empty rhetoric to hide the lack of real action to eliminate waste.\nThe EI rip-off will continue. The overspending on the gun registry will continue. And this government creates a tremendous amount of room for the spending scandals of the future. Governments spending is still rising at record rates - spending this year will double the growth in our economy and our population.\nSpending is rising, but outcomes are not changing. Our waiting lines are not shrinking. Our students are still piling up debt. Our soldiers are dangerously unequipped.\nThe government continues to hide large surpluses, and then blow them in end-of-year bonanzas - this budget continues this disturbing trend.\nThere is a better way. That better way is to return these massive surpluses to Canadians and Canadian families in the form of tax reductions. We should be putting more money in the pockets of hardworking taxpayers.\nWhat is this government's approach to tax relief? It allows our inadequately equipped soldiers, who are under fire when wearing the wrong-coloured uniforms, to earn their money tax free. What kind of message is this government sending? Only if you are under fire, and lack the adequate protection because of the misplaced priorities of this government, will you get a reduction in your taxes.\nThe government is setting a debt-to-GDP target for reducing the debt. Interest costs are still a burden on our public finances, and the debt must be reduced so those interest costs can fall.\nCan this promise be believed? I would urge the government to copy other governments in Canada by bringing in a legislated debt reduction plan - to put its promise into legislation.\nOn health care, the government is repeating the promise to provide an additional $2 billion for health care. It is also moving forward on the establishment of a Canadian public health agency. These are developments that we support.\nHowever, I must ask why the public health agency is taking so long. It has been well over a year since SARS hit Canada. Yet the Liberals have yet to appoint a chief public health officer or start to create the new agency.\nThe same can be said about the Health Accord signed with the provinces. While we continue to support the Health Accord, I am increasingly worried about the inability of this government to follow up on its commitments made in that accord.\nOn students, the budget promises to expand the student loan program. It also promises to remove barriers to low income Canadians seeking to further their, and their children's, higher education.\nThese are noble goals.\nI would point out, however, that this is not the first time that this government has promised to increase assistance to students - and its track record has been rather abysmal.\nThis government has not met any of its education targets set out in its 1998 budget - the Prime Minister's so called \"education budget.\" The Millennium Scholarship Program has been a flop according to the government's own review of the program. Most of the other programs announced in 1998 have failed to deliver half of the money promised.\nOn agriculture, the budget promises an aid package for farmers hit by the BSE. This aid is long overdue, and much needed in this industry. Canada's case of BSE was detected ten months ago, and our beef industry has been suffering since. The announcement of aid for farmers was a staged campaign announcement instead of a genuine act of support and compassion for our ranchers and their families.\nIn the past, we have seen many programs which look good when announced, but which do not translate into meaningful monetary help for those who need it. I call upon the government to ensure that the money actually makes it to our ranchers and producers immediately - without delays, and without political interference.\nOn infrastructure, this Prime Minister has spent the better part of the last two years talking about \"a new deal for cities\". Yet to date, he has delivered precious little. He wants to keep in place boondoggle programs like the federal infrastructure program. He has already waffled on using gas tax revenues for infrastructure spending. And he has failed to talk about issues beyond Canada's big cities.\nHis failure to deliver on these issues simply confirms that this prime minister cannot be trusted to keep his promises.\nOn environment, this government is continuing down the path of making grand announcements, without focusing on providing real solutions to real problems.\nThe Liberals say that they want to restore Canada to a place of pride in the world. Yet for ten years, Canada has seen a dramatic drop in its standard of living, and a widening productivity gap compared to the United States, Ireland, the Netherlands and other countries.\nThe Prime Minister reserved his deepest cuts for the men and women who so proudly served Canada in the military. And this budget restores absolutely none of that spending. This is a strange way to improve Canada's standing in the world.\nAnd then there are the black holes in the budget. There are programs that are the next Sponsorship, the next HRDC, or the next gun registry.\nI refer to $250 million in new money for the Business Development Bank to dole out corporate welfare. I refer to billions in politically directed infrastructure funds. I refer to $90 million in a northern economic development strategy. I speak of $605 million in undetermined spending in the security contingency reserve. This is but a partial list of budget items which the tired, old and corrupt Liberal party put forward to demonstrate change.\nThe Conservative Party represents real change.\nSi les Canadiens souhaitent que les choses changent, et je crois que c'est ce qu'ils souhaitent, cela ne se fera pas grâce à un ensemble de promesses recyclées et vieilles de 10 ans de la part du Premier Ministre.\nIls ne trouveront le changement qu'en changeant de gouvernement. Seul un nouveau gouvernement conservateur changera la façon d'utiliser les impôts.\nSeul un nouveau gouvernement conservateur rendra son intégrité au processus politique. Seul un nouveau gouvernement conservateur mettra plus d'argent dans les poches des Canadiens, plutôt que dans celles des compagnies de publicité.\nNous accomplirons toutes ces choses, et même plus, parce que nous ne sommes pas compromis dans des scandales.\nNous accomplirons toutes ces choses, et même plus, parce que nous ne sommes pas impliqués dans 10 ans de mauvaise gestion.\nNous accomplirons toutes ces choses, et même plus, parce que nous n'avons pas à prouver aux Canadiens que nous pouvons gérer leur argent.\nNous accomplirons toutes ces choses, et même plus, parce que nous représentons ce qu'espère et souhaite la majorité silencieuse des Canadiens.\nIf Canadians are looking for change, and I believe that they are, they are not going to find it in a bunch of recycled, ten year old promises from this Prime Minister. They are only going to find change by changing the government.\nOnly a new Conservative government will change in the way tax dollars are treated.\nOnly a new Conservative government will return integrity to the political process.\nOnly a new Conservative government will put dollars in the pockets of Canadians, rather than in the pockets of ad firms.\nOnly a new Conservative government will transfer gas taxes to infrastructure projects in all corners of Canada.\nOnly a new Conservative government will give rural communities and rural livelihoods the respect they deserve.\nOnly a new Conservative government will protect children and respect families.\nOnly a new Conservative government will restore funding to our armed forces.\nOnly a new Conservative government will eliminate, not just cut, the air tax.\nOnly a new Conservative government will stop the EI rip-off.\nWe will do these things, and more, because we are not encumbered by scandal. We will do these things, and more, because we are not encumbered by ten years of mismanagement. We can do these things, and more, because we do not have to prove to Canadians that we can manage their money.\nWe will do these things, and more, because we represent the hopes and desires of the majority of unheard Canadians. We will do these things, and more, because for the first time in ten years, we can present a united conservative choice to Canadians.\nWe will listen to those in Atlantic Canada who desire greater control over their own destinies and over their own natural resources. We will respect those in Quebec, with their own unique language and culture. We will hear the majority of unheard Ontarians who are demanding accountability and sound fiscal management. We will welcome the West into the corridors of power.\nThe new Conservative Party represents real change for a better government for all Canadians.\nMonsieur le président, ce budget met en évidence les différences qui existent entre les Libéraux fatigués et notre nouveau Parti Conservateur.\nNotre nouveau Parti Conservateur ne s'embarrasse pas de scandale. Notre nouveau parti conservateur n'a aucun souci à suivre notre vision qui consiste à offrir un gouvernement bon et propre pour le bénéfice de tous les canadiens.\nThis budget demonstrates the difference between the tired old Liberals and our new Conservative Party.\nThe old Liberal party is so focussed trying to restore its image that it has little else to propose.\nOur new conservative party is not encumbered by scandal. Our new conservative party has no obstacle to interfere with our vision of providing good, clean government for the benefit of all Canadians.\nIt is a vision of cleaning up waste. It is a vision of reducing taxes for Canadians and their families. It is a vision of providing sustainable, public health care. It is a vision of continuing to clean our water, clean our air, and clean our land, and to do so with a clean government.\nIt is a vision about which Canadians will be hearing much more in the coming weeks and months.\n|- 30 -|\nPress Releases |", "domain": "finance"}
{"url": "http://www.hanimounla.com/article/trumps-sadomasochistic-recession-gives-china-last-laugh/", "date": "2023-09-27T21:06:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510326.82/warc/CC-MAIN-20230927203115-20230927233115-00844.warc.gz", "language_score": 0.9411861300468445, "token_count": 1481, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__248231767", "lang": "en", "text": "Trump's 'Sadomasochistic' Recession Gives China The Last Laugh\nLarry Summers is as blunt as economists come. The onetime U.S. Treasury secretary also has a knack for apt analogies that bring the dismal science to life.\nCase in point: Summers calling Donald Trump’s brawl with China a “sadomasochistic and foolish trade conflict.” He did just that Sunday in an interview with CNN’s Fareed Zakaria. Separately, Summers told Bloomberg that the U.S. and world economies are at their riskiest moment since the 2008 crisis.\n\"Sadomasochistic\" certainly fits when you consider how Trump is hitting China with all Washington’s got, and hurting the U.S., too. Summers is hardly alone in fearing the Trump Show ends in recession. Goldman Sachs also fears Trump’s China trade brawl will end in a downturn heading into the 2020 election.\nGranted, Goldman Sachs isn’t formally predicting a recession. It is merely telegraphing the growing odds of one. Connecting the dots, though, it is hard not to fear the worst. Goldman Sachs economists, for example, just lowered their fourth-quarter forecast for U.S. growth to 1.8%. That isn’t much of a cushion, considering how global uncertainty is savaging corporate spending and investment and consumer sentiment.\nSummers, though, has seen more than his fair share of financial madness. I was among the handful of journalists who traveled with him around Asia in 1997 when the region’s economies were ablaze with contagion. That was when he was deputy Treasury secretary under Robert Rubin. That’s the first time I heard Summers compare an economic policy to sadomasochism. The reference then was to Asia’s competitive currency devaluations, which only panicked markets even more.\nLater that year, his team contended with the collapse of Yamaichi Securities, one of Japan’s biggest brokerages. In 1998, Russia defaulted, pushing the global financial system back to the brink. A decade later, Summers was on fire-brigade duty again after the collapse of the Lehman Brothers while serving as head of Barack Obama’s National Economic Council.\nYOU MAY ALSO LIKE\nSummers isn’t always right. There are valid criticisms that his different teams are too heavy handed toward Asia in 1997, and too easy on reckless Wall Street bankers a decade later. But when an economist this battle tested warns Trump is blundering his way toward ruin, it’s best to listen. Especially given how all this is playing out in Beijing. China, after all, is getting the better of the U.S., one Trumpian own goal at a time.\nIs President Xi Jinping enjoying the trade war? Heavens no. The $250 billion of goods Trump has taxed at 25% for more than a year just produced the slowest Chinese growth in 27 years–6.2% in the first quarter. The additional $300 billion this White House will tax at 10% is a fresh headwind at arguably the worst possible moment.\nThere’s no doubt that Trump is greatly complicating Xi’s plan to dominate everything from renewable energy to semiconductors to self-driving vehicles to robots to artificial intelligence by 2025. Xi has hoped to rely on China’s export engine a bit longer, while his team of reformers enlivened innovation and high-value-added industries to replace factories, smokestacks and low-wage jobs.\nTrump’s tariffs forced Xi to throttle back on \"Made in China 2025.\" It is fair to say, too, that Trump throwing sand into China’s export machinery moves Xi toward greater statism. On the one hand, it’s the growth strategy Beijing knows best. On the other, any move to placate Trump would likely have state-owned enterprises buying up U.S. soybeans, cars, you name it.\nEven so, Aesop’s fable about the tortoise and the hare may be the best lens to view Trump-versus-Xi. Trump is the hare, of course. He’s racing full speed ahead with his tariffs and threats, all confidence and hubris. Xi is plodding along, policy-wise, keeping his eyes on the 2025 prize and beyond. The risk is that, like the hare, Trump’s America burns out only to see the steadily progressing turtle–China–reach the finish line first.\nAmong Trump’s biggest missteps: an epic misunderstanding of how the global trading system has changed since the 1980s. Back then, Trump the real estate magnate railed against an ascendant Japan. In the late-80s, Trump routinely appeared on television talk shows complaining that Tokyo had “systematically sucked the blood out of America–sucked the blood out! They have gotten away with murder. They have ended up winning the war.”\nThis language will sound familiar to Xi’s Communist Party. Yet Trump’s stuck-in-time worldview ignores that neither America nor the Group of Seven nations calls the shots anymore. Back in 1985, G7 officials had the clout to devalue the dollar versus the yen–to have their way with markets. In today’s increasingly multi-polar system, such groupings have far less influence.\nIn the 80s, tariffs might’ve worked to some extent. That was long before China, India, Indonesia and other manufacturing powers came online. Today’s wage disparities mean tariffs aren’t going to pull millions of jobs back to America. It's more likely to just drive them to relocate from China to Vietnam and the Philippines.\nNothing about Trump’s assault on China makes the U.S. more innovative or productive. Nothing about the rate cuts Trump is bullying the Federal Reserve to adopt will increase corporate competitiveness or the quality of America’s labor force. Nothing about Trump’s embrace of 1980s-style of trickle-down economics will raise growth into the 3% to 4% range and fatten paychecks.\nWhy, then, would Trump be engaging in risky China-focused activity that courts a U.S. recession? Goldman Sachs will not be the last to warn about the R-word. In his Bloomberg interview, Summers indulged in other metaphor. “You can often play with fire and not have anything untoward happen,” he said, “but if you do it too much you eventually get burned.”\nAgain, Xi isn’t enjoying the trade war. But only Trump faces an election next year. And only Trump can reduce the boomerang effect of his own policies hitting the U.S. economy. Sadomasochistic and foolish, indeed.\nI am a Tokyo-based journalist, former columnist for Barron’s and Bloomberg and author of “Japanization: What the World Can Learn from Japan’s Lost Decades.” My journalis...\n- ©2019 Forbes Media LLC. All Rights Reserved.", "domain": "finance"}
{"url": "https://www.customflagcompany.com/blog/2019/08/20/leveraging-payment-apps-to-buy-flags/", "date": "2023-10-02T12:29:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510994.61/warc/CC-MAIN-20231002100910-20231002130910-00863.warc.gz", "language_score": 0.9689165353775024, "token_count": 377, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__282113356", "lang": "en", "text": "How do you handle splitting a check at dinner when no one has cash? Does everyone throw in their credit card? That is an option, or you have one person pay,and everyone can venmo that person their share. Through the years here at CFC we have worked with our fair share of large group orders. Such as, bachelor/bachelorette parties, family reunions, military units, sports teams and more. These are all fun and exciting, but tough when when the bill needs to be paid. So here are some awesome apps to help make that process easier!\nVenmo is a free and secure payment app that allows you to transfer and/or request funds easily. This app has really immersed itself as leader the last few years and a lot of us at CFC use it regularly.\nSplitwise is an app that allows you to split a purchase amongst your group and settle up at the end via Venmo. Think about going out with a group of people and one person pays for the bill at the restaurant, but you are going to get drinks after and another person pays for those. Splitwise will calculate the appropriate amount each member of the group owes. This app works great for trips with friends as it tracks all expenses and charges each person accordingly.\nKickstarter/GoFundMe are great when you have an idea and know it will go viral, but the initial expense is too much for you to pony up right away. You simply put your idea (flag) on one of these sites and wait until the campaign is funded. Then you can easily place the order and fulfill the product everyone was paid for when production is complete.\nIt certainly is amazing how far finance technology has come along, and how much less stress there is to get payment from friends or larger groups.", "domain": "finance"}
{"url": "https://www.integratedparaplanning.co.uk/2020/05/21/be-scam-smart-a-cautionary-crypto-tale/", "date": "2022-01-19T08:07:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320301264.36/warc/CC-MAIN-20220119064554-20220119094554-00123.warc.gz", "language_score": 0.9427984952926636, "token_count": 262, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__212522289", "lang": "en", "text": "Last weekend whilst scrolling through the BBC news app, I stumbled across an intriguing podcast named “The missing Crypto Queen”. As a follower of the fintech and cryptocurrency scene, I have a reasonable understanding of Bitcoin, some of its smaller counterparts, and the basics of blockchain technology. Onecoin was completely new to me and so I thought I would subscribe to the podcast.\nThe 8 episode series runs through the story of one of the largest pyramid scams the world has seen, which took an estimated £100mfrom UK based investors over a 3-year time frame (The Times).\nWith the ongoing coronavirus situation and the prevalence of financial scams that are bound to follow this podcast provides both a timely and cautionary tale to the risks of purchasing unregulated financial products and the perils of financial speculation. Such ponzi schemes can appear to be legitimate investments to the unwary and the vulnerable.\nAs part of the financial service industry we know all too well the importance of conducting comprehensive due diligence. Feel free to share this with your clients as it may help to educate those not cognizant of such dangers.\nMore information on the podcast can be found on BBC sounds (https://www.bbc.co.uk/programmes/p07nkd84)", "domain": "finance"}
{"url": "http://www.playpokercalifornia.com/why-paypal-is-fantastic-for-regulated-ipoker/", "date": "2023-05-28T18:34:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644506.21/warc/CC-MAIN-20230528182446-20230528212446-00292.warc.gz", "language_score": 0.9525575041770935, "token_count": 604, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__251227197", "lang": "en", "text": "Major news broke on Thursday when it WSOP NV announced they are now accepting PayPal for online poker deposits. PayPal agreeing to soften their stance on gambling deposits is huge for the regulated iGaming industry and has given iPoker players a trusted third-party payment processor to fund their accounts.\nWe often use the phrase “good for poker” when referring to positive developments. WSOP NV now accepting PayPal is fantastic for poker and today we look at a few reasons why PayPal will be fantastic for the regulated iGaming industry.\nTrusted E-Wallet With Massive Following\nPayPal is easily the most trusted e-Wallet in the United States and one of the most popular in the world. Many of us either have PayPal accounts or have made a payment to someone using PayPal’s payment system.\nA large number of e-merchants in the United States have added PayPal to their checkout options due to the popularity of the e-Wallet so it makes sense that WSOP.com explored this option.\nPayPal now offers players a third-party deposit option that has a proven track record and has been devoid of connections with online poker scandals in the past.\nOpens the Door for Other Operators to Offer PayPal\nNow that WSOP.com NV is offering PayPal as a deposit option, it is a matter of time before this expands to other operators. By PayPal allowing WSOP NV to accept deposits for online poker, they have set a precedent that other sites can take advantage of.\nIn the upcoming months, expect most operators to add PayPal to their list of deposit options and don’t be surprised to see them offer an incentive for players to make a deposit via PayPal.\nWe feel confident in predicting that by the time Pennsylvania or California goes online; all licensed operators will be offering PayPal as a primary option for funding accounts.\nPeer to Peer Transfers Returns to Online Poker\nOne of the major benefits that players enjoyed with unregulated online poker was the ability to transfer funds via a peer-to-peer transfer. Now that PayPal is a deposit option in regulated online poker, peer-to-peer transfers have also returned.\nSome may argue that players could have used NETELLER to make personal transfers, but we know that the popularity of the medium was limited. PayPal is a popular option that was used as an offsite option for moving around funds pre-Black Friday.\nOf course, if you sent money to someone via PayPal, they would have to cash out from their account and then transfer funds back onto the site using a bank account or other third-party payment processor.\nNow with PayPal, if someone sends you $100, you can take that money and immediately deposit it online. While PayPal transfers may not be as ideal as intraclient transfers, it does give players a third party option to make transfers that’s safe and secure.\nCalifornia online poker, PayPal, regulated iPoker, WSOP NV, WSOP.com", "domain": "finance"}
{"url": "https://www.geosite.io/post/geosite-expands-foothold-in-the-insurance-industry-with-new-global-head-of-insurance-lisa-wardlaw", "date": "2022-05-29T04:27:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652663039492.94/warc/CC-MAIN-20220529041832-20220529071832-00578.warc.gz", "language_score": 0.9352643489837646, "token_count": 528, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__250885799", "lang": "en", "text": "Geosite, the company that builds business intelligence software leveraging cutting-edge spatial data and AI, today announced that Lisa Wardlaw has joined the team as the Global Head of Insurance. Wardlaw will lead the company’s expansion into the insurance industry as Geosite brings the power of innovative technologies to improve loss ratios and provide greater customer satisfaction across claims and underwriting departments.\nWardlaw has had a long and impactful career in the insurance space driving a digital transformation of the industry through the adoption of new technologies. Most recently, Wardlaw led Global Insurance Solutions for space constellation company, ICEYE, where she pioneered the application of satellite technology to the catastrophe market. Previously, Wardlaw drove transformation in the insurance industry at Farmers Life Insurance as Strategic Chief Financial Officer and was Global Chief Digital Strategy & Transformation Officer for Global Reinsurance at Munich Re.\n“I am excited to be joining a young and dynamic team that is set on disrupting the insurance industry,” says Wardlaw. “There is huge potential for authentic and industry-changing innovation in insurance, and the geospatial market remains untapped. I am honored to help Geosite leverage data to reimagine the entire customer experience starting in the claims and underwriting processes as we establish new industry expectations of curated experience for both customers and providers.”\n“Lisa’s vision of a more modern, technology-driven insurance industry aligns seamlessly with Geosite’s mission of using spatial data to not only improve business operations but ultimately help people during some of their darkest moments,” says Geosite CEO and Founder Rachel Olney. “Her energy and passion for driving towards new solutions is infectious, and we’re incredibly excited to have her leading this charge.”\nGeosite fuses and streamlines geospatial imagery from drones, satellites, and remote sensors, as well as AI analytics and IoT devices into an intuitive software platform to provide actionable insights for underwriting new business segments, rapid disaster claims processing, fraud detection, and data-driven pricing.\nGeosite is currently partnered with MS&AD, one of the world’s largest insurers, to accelerate claims settlements following large-scale natural catastrophes such as typhoons and torrential rains. Geosite’s software integrates aerial and satellite imagery to speed claims payouts so MS&AD’s customers can get back on their feet faster, all while reducing costs. Wardlaw will build on the company’s early successes to bring on additional partners and continue expanding Geosite’s footprint in the insurance industry.", "domain": "finance"}
{"url": "http://journalinggina.blogspot.com/2009/11/day-24-of-26-days-of-thanks.html", "date": "2018-07-20T16:43:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676591718.31/warc/CC-MAIN-20180720154756-20180720174756-00229.warc.gz", "language_score": 0.9803971648216248, "token_count": 402, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__267335420", "lang": "en", "text": "Today I want to testify of the overwhelming generous provisions that God has made for us over the last 6 months. When Bruce resigned as senior pastor, without having a firm lead on a new job at the time, I admit, I was anxious to see how God was going to work all this out....and boy has He....the glory and thanks go to HIM, it's nothing we have done, just the sweetness of a loving Father God taking care of His kids.\nHere's a list of things:\n1. Through the generousity of a very kind person, we were able to eliminate almost all our credit card and medical debt. This was such an incredible gift. I can't go into all the details, but suffice it to say, that the amount we were gifted was so close to the amount we owed it can only be attributed to God.\n2. God provided a steady job for Bruce within days of his unemployment.\n3. God provided an UNEXPECTED new ministry job for us within 2 months....we thought it would be much longer....but He had different plans.\n4. He provided free housing (albeit an RV) while we waited for our home to sell in Gunter\n5. He provided a new home for us to buy while we still owned our home in Gunter\n6. He has provided renters for our home in Gunter who are willing to live there, take care of the place and it still be on the market to sell.\n7. He provided us with a generous church family who recently pounded us with an enormous kitchen pounding....in fact we are still receiving things....3 bags came in yesterday!\n8. He provided us with fresh meat.\n9. He provided someone to repair our car for only the cost of parts\nHe is good! I don't want to take these blessings for granted. I want to have a heart of thanksgiving every day.\nThanks be to God for his unspeakable gifts!", "domain": "finance"}
{"url": "https://www.sheto.gov.hk/mobile/en/about_hk/doing.html", "date": "2019-11-20T16:56:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496670597.74/warc/CC-MAIN-20191120162215-20191120190215-00097.warc.gz", "language_score": 0.9283276200294495, "token_count": 661, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__53727231", "lang": "en", "text": "Hong Kong is one of the world's freest economies. World-class talents, first-rate infrastructure, robust legal system, low and simple tax regime - these are just a few of the many advantages that this unique city offers. For Mainland companies going global, and overseas enterprises entering the Mainland market, Hong Kong is your perfect gateway.\nHong Kong's appeals:\nHong Kong welcomes investors and enterprises from all over the world to come here to do business. Get an overview of Hong Kong's tax system, employment, Mandatory Provident Fund scheme, market information and statistics as well as entry arrangement for investment in Hong Kong, etc at\nhttp://www.gov.hk/en/nonresidents/investinghk/ to assist your business planning.\nIt is fast, easy and affordable to set up a business in Hong Kong. Here is the general procedure:\nAs one of the teams set up in the Mainland by Invest Hong Kong of the Government of the Hong Kong Special Administrative Region, the main missions of the East China Investment Promotion Unit (IPU) are to promote the business advantages of Hong Kong to the one municipality and 4 provinces (Shanghai, and the provinces of Zhejiang, Jiangsu, Anhui and Shandong) regions covered by the Shanghai Economic and Trade Office, encourage Mainland companies in those regions to open or expand their overseas businesses in or through Hong Kong and assist investors to set up offices in Hong Kong. For Mainland companies interested in setting up offices in Hong Kong, the IPU offers a series of free advice and support services, including:\nShould you have specific questions about investing in Hong Kong, please contact:\nEast China Investment Promotion Unit\nTel: (8621) 6351 2233\nFax: (8621) 6351 9268\nAddress: Room 2101, 21/F, The Headquarters Building, 168 Xizang Road (M), Huangpu District, Shanghai, China (Postal Code: 200001)\nEstablished in July 2000, Invest Hong Kong is a department under the Government of the Hong Kong Special Administrative Region and is responsible for promoting direct foreign investment in Hong Kong and supporting overseas and Mainland companies to set up or expand their businesses in Hong Kong. Invest Hong Kong provides free and customised services and practical support to help companies utilise the business advantages of Hong Kong and succeed in the vibrant economy. As of December 2013, Invest Hong Kong has completed over 3,090 investment projects, creating over 34,900 new jobs in the first year of operation or expansion. The total investment amounts to HK$82 billion. For more information, please visit http://www.investhk.gov.hk.\nThe objective of the Capital Investment Entrant Scheme is to facilitate the entry for residence by capital investment entrants (the entrant), i.e. persons who bring capital to Hong Kong but would not be engaged in the running of any business here. The entrant is allowed to make his choice of investments amongst permissible assets without the need to establish or join in a business.\nThe Scheme is applicable to:\nFor detailed information, please refer to the following link of the Immigration Department of Hong Kong:\nCapital Investment Entrant Scheme", "domain": "finance"}
{"url": "https://www.mcandrewmartin.com/general-practice-3/", "date": "2021-05-06T11:54:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243988753.97/warc/CC-MAIN-20210506114045-20210506144045-00146.warc.gz", "language_score": 0.9318140745162964, "token_count": 125, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__194532023", "lang": "en", "text": "McAndrew Martin’s chartered surveyors helped save a house buyer £1,500 on a property after identifying an issue with drains.\nThe purchaser approached us for a RICS Homebuyer report after deciding not to rely on the mortgage lender’s valuation survey alone.\nOur RICS qualified professional recommended that a CCTV inspection of the drains should be carried out.\nThis identified about £1500 worth of work which our client successfully asked the vendor to rectify prior to purchase.\nThis is just one example where an independent survey report is one of the best investments you can make in a property transaction.", "domain": "finance"}
{"url": "http://www.incometaxreturn.co.za/", "date": "2014-03-10T00:26:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-10/segments/1394010502819/warc/CC-MAIN-20140305090822-00022-ip-10-183-142-35.ec2.internal.warc.gz", "language_score": 0.9416170716285706, "token_count": 1761, "dump": "CC-MAIN-2014-10", "global_id": "webtext-fineweb__CC-MAIN-2014-10__0__4655255", "lang": "en", "text": "Not sure how to submit your Income Tax Return correctly with SARS ? Confused with SARS Efiling or having problems with E-filing? Looking to submit your Tax Return the most professional way and enjoy the maximum tax benefits from SARS ?\nIncome Tax Return South Africa is here to assist! Submit your Income Tax Return over the Internet with us the easy way: Your Tax Return will be correct the first time, prepared by a Professional SARS Tax Practitioner with over 15 years of tax experience, and completed within 48 hours !No Professional, Technical, Tax or IT skills are required - your Income Tax Return is taken care of by our Clever and Registered Tax Practitioners with over 15 years of tax experience! We communicate directly with SARS and ensure that everything runs smoothly. Finally you can relax and not worry about this - let us take care of your Income Tax Return, and ensure that your Tax Return gets submitted correctly and professional - on time, the first time!\nNo more worries about SARS e-filing difficulties, corresponding with SARS, calculating your correct tax return, confusing paperwork or dealing with SARS or your Accountant ! Incometaxreturn.co.za takes the worry out of your Income Tax Return and make sure everything gets submitted fast and professionally!\nTired of your current Tax Accountant? Is your current Tax Accountant too expensive? Incometaxreturn.co.za will contact your current Accountant and request for your Income Tax Return to be carried over to us. You do not need to deal with your current Accountant or worry about this - your newly appointed Tax Practitioner will arrange directly with your current Accountant for the transfer of your Income Tax matters to us. Just submit your Tax Return with us today, and we will arrange everything automatically.\nTax Filling Season for Individuals is now open! Start today!\nOur Registered Tax Practitioners have succesfully completed THOUSANDS of Income Tax Returns with SARS over the last 15 years, and we are trusted by thousands of South Africans from all walks of life. We are ready to take care of YOUR Income Tax Return with our Amazing and Professional online tax service! You will never look back and never worry about this again.\nWhy Incometaxreturn.co.za ?\nOur name says it all:\n- You can submit your Income Tax Return easy online from anywhere in South Africa! It cannot get easier than this.\n- Your Income Tax Return is completed within 48 hours (2 working days) with SARS, guaranteed!\n- Tired of your current Tax Accountant? Is your current Tax Accountant too expensive? Incometaxreturn.co.za will contact your current Accountant and request for your Income Tax Return to be carried over to us. You do not need to deal with your current Accountant or worry about this - your newly appointed Tax Practitioner will arrange directly with your current Accountant for the transfer of your Income Tax matters to us. Just submit your Tax Return with us today, and we will arrange everything automatically.\n- We charge a low and fixed fee for our professional income tax service.\n- Our Clever Registered Tax Practitioners will submit your Income Tax Return Professionally and Correctly on time, the first time!\n- Our Registered Tax Practitioners have over 15 years of taxing experience - and will ensure that you are assisted in the most professional way!\n- No more worries about your Tax Return - this is why we are here for - we do the worrying for you and you can relax!\n- We have NO backlogs - submit your tax return today, and have yours finalised in 48 hours (2 working days)\n- You do not need any special skills or tax knowledge to use our service - this is South Africa's easiest online Income Tax Return solution!\n- Our Registered SARS Tax Practitioners have succesfully completed thousands of Income Tax Returns the correct way over the last 15 years.\n- You receive your own dedicated Tax Practitioner and are in safe hands!\n- There is no need for any appointments or to bring any documents to us - everything is done fast, easy and professionally over the Internet - this is the way Income Tax Returns should be!\n- No matter where you live in South Africa - from PE to Pretoria to Pofadder - we can help and take care of YOUR income tax return!\n- Our Tax Professionals are clever and accurate - this is all we do for a living (and we love what we do!) - and we will ensure that you get the maximum benefits / deductions from SARS possible within the South African Income Tax Law.\n- We save you alot of time, hassle and frustration!\n- No nasty surprises - we work on a fixed fee structure meaning that you pay us a fixed fee for our tax services and not a % of your tax refund from SARS. No matter how much money you receive back from SARS - you pay us the same fee and you keep your full refund!\n- Our previous Customers use us again and again every year, and are very happy with our fast and professional service!\n- If you receive a refund from SARS (get money back from SARS with your income tax return), your refund gets paid (in full) directly into your personal bank account by SARS, and not to us.\n- If you choose to use us again next year (and we know you will - as nearly 100% of our Customers return year after year) we ensure continuity with your SARS Income Tax Profile - year after year. This means that your Income Tax Returns start correct and continue correctly year after year with SARS.\n- You, our important Customer, is our greatest asset and the reason why we exist. Your income tax return will be treated in the most professional way possible.\nThe benefits to YOU\nBe in safe hands:\n- Tax time becomes Relax time!\n- Your Income Tax Return is finalised within 48 hours (2 working days) and is taken care of by a Professional and Registered Tax Practitioner!\n- The easiest online Income Tax Return service in South Africa!\n- You can live anywhere in South Africa to use our professional service, and everything happens instantly over the Internet - this is the way Income Tax Returns should be!\n- You do not require any professional skills or knowledge about tax or the SARS system - we take care of everything for you, and ensure that you will enjoy the maximum benefit from SARS within the tax law!\n- A dedicated (and very clever) Tax Practitioner gets allocated specifically to you - to take care of YOUR income tax return. Your allocated Tax Practitioner will have over 15 years of professional tax experience.\n- You know exactly how much you pay us and pay us in advance to complete your Tax Return. If you receive a refund from SARS, you receive this refund (in full) directly into your personal bank account!\n- If you choose to use us again next year (and we know you will - as nearly 100% of our Customers return year after year) we ensure continuity with your SARS Income Tax Profile - year after year. This means that your Income Tax Returns start correct and continue correctly with SARS year after year.\nLet us take care of YOUR Income Tax Return, and make life easier for YOU !“I have been using the Tax Practitioners at Incometaxreturn.co.za for the past 10 years and always had reliable and professional advise. All tax issues have been dealt with on time and in the most profesional way possible. I have been very pleased with their services and will continue to use them in the future.” June 25, 2011\n“We (Laurence and Debbie) have entrusted our tax affairs to the Tax Practitioners at Incometaxreturn.co.za for the past 10 years. They have always been very pleasant to deal with and are highly professional and knowledgeable in the services and advice they had offered us. We have never been dissatisfied with their advice and never had any tax related concerns based on their advice and recommendations. We will continue to make use of the Tax Practitioners atIncometaxreturn.co.za and will continue to recommend them to friends and colleagues in the future.”\nIncome Tax Return Home\nSubmit your Income Tax Return online now\nWhy use Incometaxreturn.co.za ?\nBenefits for you to use Incometaxreturn.co.za\nContact Income Tax Return", "domain": "finance"}
{"url": "https://www.aquila-plumbing.com/how-a-new-boiler-can-save-you-money/", "date": "2023-05-29T03:01:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644574.15/warc/CC-MAIN-20230529010218-20230529040218-00241.warc.gz", "language_score": 0.9747180938720703, "token_count": 360, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__107672685", "lang": "en", "text": "How a New Boiler Can Save You Money\nThere is no doubt that at some point you will have heard that a new boiler could save you money. But what you want to know is whether this is true and how that could happen? This is where this blog post will help you to understand this a little more. With that in mind, here is how a new boiler can save you money.\nThere are more technological advances\nOf course, we all know that technology advances at a rapid pace, as year on year there is something new to do with technology, but what we don’t realise is that this applies to everything within our lives. Boilers have advanced dramatically over the years so the chances are a new boiler in your home will be far more technologically advanced than its predecessor. This means that when it comes to how it works, there is more to it to help it utilise its functions more effectively, and therefore could save you money in the long run.\nThey are more eco-friendly\nWith new technology comes the focus for boilers to be more efficient with the amount of energy used and consumption in our homes. So, the chances are a new boiler will not only be more technologically advanced but also more eco-friendly. It means that the energy used is consumed more efficiently, meaning you are less likely to need as much as you might have done previously. It will enhance your heating system and allow you to insulate your home effectively, speed up the process of heating water, or simply enable you to not have the boiler in use as often. All offering a saving for you as the homeowner.\nOf course, a new boiler is an investment, but you may find that in the long term that investment is worth it because of the savings you could make.", "domain": "finance"}
{"url": "https://www.superiortaxservicesla.com/", "date": "2024-03-01T16:29:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475422.71/warc/CC-MAIN-20240301161412-20240301191412-00702.warc.gz", "language_score": 0.9314298629760742, "token_count": 266, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__13424286", "lang": "en", "text": "Superior Tax Services is a family-owed tax firm established in Los Angeles in 2003. We have been assisting taxpayers throughout the U.S. file personal, small business and corporate tax returns.\nINCOME TAX PREPARATION\nIndividual and business tax preparation, all state returns and prior year returns.\nWe offer a variety of Notary Public services including acknowledgements and jurats.\nBUSINESS FORMATION SERVICES\nWe assist our clients in selecting the business entity best suited to them and their business objectives.\nSALES TAX PREPARATION\nWe assist businesses with state and local sales and use tax return filing and compliance.\nWe offer small business payroll processing and tax filing services.\nWe assist clients in all states as well as military servicemembers overseas. Remote appointments via Zoom are also available.\nSuperior Tax Services has been assisting taxpayers in navigating the complexity of tax filing for over fifteen years. Our purpose is to provide clients with an enjoyable and quality, yet affordable experience. We specialize in filing tax returns for individuals, small businesses and corporations. We strive to demonstrate our appreciation by providing a comfortable, personable and professional experience, an aspect that makes Superior Tax Services so unique.\nSuperior Tax Services would like to wish you and your family many blessings for the new year.", "domain": "finance"}
{"url": "http://blog.fednews.com/blog/2012/10/22/president-obama-on-deficits-and-deficit-reduction-2010/", "date": "2014-12-20T05:05:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-52/segments/1418802769392.53/warc/CC-MAIN-20141217075249-00000-ip-10-231-17-201.ec2.internal.warc.gz", "language_score": 0.9671292304992676, "token_count": 2445, "dump": "CC-MAIN-2014-52", "global_id": "webtext-fineweb__CC-MAIN-2014-52__0__56537095", "lang": "en", "text": "Here are some direct quotes from President Obama on deficits and deficit reduction in 2010. Click the links for full transcripts!\nOur approach would preserve the right of Americans who have insurance to keep their doctor and their plan.\nIt would reduce costs and premiums for millions of families and businesses. And according to the Congressional Budget Office — the independent organization that both parties have cited as the official scorekeeper for Congress — our approach would bring down the deficit by as much as $1 trillion over the next two decades. (Applause.)\nNow, even as health-care reform would reduce our deficit, it’s not enough to dig us out of a massive fiscal hole in which we find ourselves. It’s a challenge that makes all others that much harder to solve, and one that’s been subject to a lot of political posturing. So let me start the discussion of government spending by setting the record straight.\nAt the beginning of the last decade, the year 2000, America had a budget surplus of over $200 billion. By — (applause) — by the time I took office, we had a one-year deficit of over $1 trillion and projected deficits of $8 trillion over the next decade.\nMost of this was the result of not paying for two wars; two tax cuts; and an expensive prescription-drug program. On top of that, the effects of the recession put a $3 trillion hole in our budget. All this was before I walked in the door. (Applause, other audience reactions.) Now — just stating the facts.\nNow, if we had taken office in ordinary times, I would have liked nothing more than to start bringing down the deficit. But we took office amid a crisis, and our efforts to prevent a second Depression have added another $1 trillion to our national debt. That too is a fact.\nI’m absolutely convinced that was the right thing to do.\nBut families across the country are tightening their belts and making tough decisions. The federal government should do the same. (Cheers, applause.)\nSo tonight I’m proposing specific steps to pay for the $1 trillion that it took to rescue the economy last year. Starting in 2011, we are prepared to freeze government spending for three years. (Scattered applause.) Spending related to our national security, Medicare, Medicaid and Social Security will not be affected, but all other discretionary government programs will. Like any cash-strapped family, we will work within a budget to invest in what we need and sacrifice what we don’t. And if I have to enforce this discipline by veto, I will. (Applause.)\nWe will continue to go through the budget line by line, page by page, to eliminate programs that we can’t afford and don’t work.\nWe’ve already identified $20 billion in savings for next year. To help working families, we’ll extend our middle-class tax cuts. But at a time of record deficits, we will not continue tax cuts for oil companies, for investment-fund managers and for those making over $250,000 a year. (Applause.) We just can’t afford it.\nFrom some on the right, I expect we’ll hear a different argument: that if we just make fewer investments in our people; extend tax cuts, including those for the wealthier Americans; eliminate more regulations; maintain the status quo on health care — our deficits will go away.\nThe problem is, that’s what we did for eight years. (Laughter, cheers, applause.) That’s what helped us into this crisis. It’s what helped lead to these deficits. We can’t do it again.\nWhen I came into office in January of 2009, I was very clear at the time, even before we knew the severity of the recession that we would experience, that we have a structural deficit that is unsustainable, and that for our long-term growth and prosperity, we are going to have to get a handle on that. I talked about that during my campaign; I talked about it in the days after I was elected; I talked about it after I had been sworn in.\nWe had an emergency situation on our hands. And so the entire world, working through the G-20, coordinated in making sure that we filled this huge drop-off in demand, we got the economy growing again. And we had to take a number of steps, some of which were unpopular and that, yes, added to the short-term deficit.\nWhat I also said at the time was we are then going to make sure, number one, that we pay down whatever additional deficit had been added as a consequence of the recovery act and other steps that we had to take last year.\nBut then we’re still going to have to go back and deal with these long-term structural deficits.\nAnd in fact in the first G-20 visit that I made in April, to England, I was very clear to the rest of the world that what they cannot rely on is an economic model in which the United States borrows, consumers in the United States borrow — we take out home equity loans; we run up credit cards — to purchase good from all around the world.\nWe cannot alone be the economic engine for the rest of the world’s growth. So that rebalancing ended up being a central part of our long-term strategy working with the G-20.\nNow, what we’ve done is, we’ve initiated a freeze on our domestic discretionary budget. We are on the path to cutting our deficits in half. We have put forward a fiscal commission that is then going to examine, how do we deal with these broader structural deficits?\nSo this isn’t just an empty promise. We’ve already started taking steps to deal with it. And we’re going to be very aggressive in how we deal with it.\nUnderstand now — I want to make sure everybody’s clear. The Congressional Budget Office, which has made — is independent — it’s historically bipartisan; this is sort of the scorekeeper in Washington about what things cost — says that as a consequence of this act, the deficit is going to be over a trillion dollars lower over the course of the next two decades than it would be if this wasn’t passed.\nBut I also have to make sure that we are paying our bills and that we’re not adding — putting off debt for the future generation.\nAnd that’s what happened in the Bush tax cuts in 2001 and 2003. We lopped off taxes and we did not pay for it, and that is the single largest contributor to the debt and the deficit. It’s not anything that we did last year as — in emergency spending.\nIt’s not the auto bailout. It’s not the health-care bill. That’s not what’s added to our deficit.\nThe single biggest reason that we went from a surplus under Bill Clinton to a deficit of record levels when I walked into office had to do with these Bush tax cuts, because they weren’t paid for, and we didn’t make — cut — we didn’t cut anything to match them up.\nWe’ve still got to get control of our deficit in a serious way. And that’s going to require more than just platitudes; it’s going to require tough choices. And the question is going to be do we have people in place who are making those choices not based on what’s politically expedient or what special interests are lobbying for, but rather what’s good for America over the long term.\nAnd I think that we can responsibly set a pathway where, over the course of several years, we are reducing our deficit without endangering economic growth, without endangering, you know, the core investments that are required to make sure that the American dream continues, and without completely shredding our safety net.\nAs I said a few weeks ago, the most important contest of our time is not the contest between Democrats and Republicans. It’s between America and our economic competitors all around the world. And winning that contest means that we’ve got to ensure our children are the best educated in the world, that our research and development is second to none and that we lead the globe in renewable energy and technological innovation.\nIt also means making sure that in the future we’re not dragged down by long-term debt. This is a challenge that both parties have a responsibility to address: to get federal spending under control and bring down the deficits that have been growing for most of the last decade.\nNow, there’s no doubt that if we want to bring down our deficits it’s critical to keep growing our economy. More importantly, there’s still a lot of pain out there, and we can’t afford to take any steps that might derail our recovery or our efforts to put Americans back to work and to make Main Street whole again. So we can’t put the brakes on too quickly, and I’m going to be interested in hearing ideas from my Republican colleagues as well as Democrats about how we continue to grow the economy and how we put people back to work.\nBut we do have to correct our long-term fiscal course, and that’s why earlier this year I created a bipartisan deficit commission that is poised to report back later this week with ideas that I hope will spark a serious and long-overdue conversation in this town.\nThose of us who have been charged to lead will have confront some very difficult decisions, cutting spending we don’t need in order to invest in the things that we do.\nAs president, I’m committed to doing my part. From the earliest days of my administration, we’ve worked to eliminate wasteful spending and streamline government. I promise to go through the budget line by line to eliminate programs that outlived their usefulness, and in each of the budgets I’ve put forward so far, we’ve proposed approximately $20 billion in savings through shrinking or ending more that 120 of such programs.\nI’ve also set goals for this government that we’re on track to meet: reducing improper payments by $50 billion, saving $40 billion in contracting, and selling off $8 billion of unneeded federal land and buildings.\nI’ve also proposed a three-year freeze on all non-security discretionary spending, a step that would bring that spending to its lowest level as a share of the economy in 50 years. And we’ve brought unprecedented transparency to federal spending by placing all of it online at USAspending.gov and recovery.gov, so Americans can see how their tax dollars are spent.\nThe hard truth is that getting this deficit under control is going to require some broad sacrifice, and that sacrifice must be shared by the employees of the federal government.\nAfter all, small businesses and families are tightening their belts. Their government should too. And that’s why, on my first day as president, I froze all pay for my senior staff. This year I’ve proposed extending that freeze for senior political appointees throughout the government and eliminating bonuses for all political appointees. And today I’m proposing a two-year pay freeze for all civilian federal workers. This would save $2 billion over the rest of this fiscal year and $28 billion in cumulative savings over the next five years.\nAnd there is no better antipoverty program than an economy that’s growing; there’s no better deficit-reduction program than an economy that is growing.", "domain": "finance"}
{"url": "http://designportfolios.philau.edu/gallery/14445653/Sustainable-Credit-Union", "date": "2020-08-14T19:19:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439739370.8/warc/CC-MAIN-20200814190500-20200814220500-00263.warc.gz", "language_score": 0.9672749638557434, "token_count": 112, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__10480564", "lang": "en", "text": "A credit union that provides traditional banking services to its customers including savings, checking, retirement accounts, credit, loans, investment planning, etc. The organization is very concerned with the health of the natural environment and the workplace. The investment opportunities it offers its members are all environmentally friendly. The credit union board wants a design that reflects its values. This includes an overall “green” design approach including environmentally friendly products, reducing reliance on non-sustainable energy sources, reusing, recycling etc. The building has opportunities for good day lighting and natural ventilation.", "domain": "finance"}
{"url": "https://www.gpstl-apprenticeships.co.uk/news/apprenticeship-funding_36.shtml", "date": "2022-08-16T10:51:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572286.44/warc/CC-MAIN-20220816090541-20220816120541-00330.warc.gz", "language_score": 0.9311208128929138, "token_count": 584, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__147327451", "lang": "en", "text": "HOW YOU CAN BENEFIT FROM APPRENTICESHIP FUNDING\nThere are many funding initiatives available to support employers with recruiting new staff or developing the skills and knowledge of existing staff.\nWith apprenticeships, the funding available to your organisation depends on whether your organisation pays the apprenticeship levy or not.\nApprenticeship levy paying employers\nEmployers with a wage bill of more than £3 million need to pay the apprenticeship levy. The levy requires all employers to pay 0.5% of any wage bill over £3 million into the government’s apprenticeship service, to pay for apprenticeship course fees.\nApprenticeship levy transfers\nDo you have unused or surplus funds? You can now pass on up to 25% of your pot to fund training in smaller companies or those in your supply chain that may not have the resources to fund it themselves.\nNon-apprenticeship levy payment employers\nThe fee that non-apprenticeship levy paying employers pay when they take on an apprentice was halved from 10% to 5% from 1st April 2019. This means that when you now recruit an apprentice, the government covers 95% of the training costs.\nLess than 50 employees\nIf you are an employer with fewer than 50 employees, the government will pay the full cost of training apprentices aged 16-18.\nAll employers (levy and non-levy) taking on a 16-18 year old apprentice, or a 19-24 year old with a Local Authority Education, Health and Care (EHC) plan are entitled to a £1,000 incentive payment.\nFunding in the care sector\nIf you’re an adult social care employer in England, you can claim contributions from the Workforce Development Fund (WDF) towards the cost of training and developing employees. The Fund comes from the Department of Health and Social Care and is disseminated by Skills for Care.\nIn a move to boost the number of high quality apprenticeship opportunities, a number of local authorities have additional funding initiatives to support businesses running an apprenticeship programme.\nIn 2019, Greater Manchester Combined Authority (GMCA) introduced a new apprenticeship support package for SMEs, which includes grants of £3,000 per employer. The £3,000 #SeeDifferent Small-to-Medium Enterprise (SME) scheme will offer a £3,000 grant to employers to help with salary and training costs associated with an apprenticeship.\nLocal businesses in Cornwall can also apply for funds transferred from the Council’s Apprenticeship levy pot to cover apprenticeship training and assessment. The funds can be used to support new apprenticeship programmes or to upskill the existing workforce.\nFor more information on apprenticeship funding opportunities and regional grants available in other areas, please contact us on 0330 1000 610.", "domain": "finance"}
{"url": "https://newsvibz.com/ucc-fees-payment-registration/", "date": "2021-09-26T00:16:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057787.63/warc/CC-MAIN-20210925232725-20210926022725-00181.warc.gz", "language_score": 0.9733873605728149, "token_count": 327, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__37442431", "lang": "en", "text": "Update On Fees Payment & Registration – UCC\nThe University of Cape Coast‘s Students’ Representative Council (SRC) has stated that over the last few days, they have been aggressively pursuing the interest of underprivileged students like they assured during their campaign.\nAccording to them, by the grace of God and through the support of the student body, they have made giant strides which they would like to bring to the attention of all students:\n- All students who have paid 500 cedis and above out of their total fees will be allowed to register for their courses for the semester.\n- Students who have not made any payment at all or have paid less than 500 cedis and have submitted their details to the SRC will be allowed to register their courses.\n- Students are to note that the portal will be opened in the course of the day (today) till the deadline, 28th February, and so students are entreated to keep checking for that so that they can register their courses for the semester.\n- It is worthy of notice that these students who are being assisted in this regard to register are expected to pay the rest of their fees before the beginning of this semester’s examinations.\nStudents are to note that the deadline for registration remains 28th February, 2021. This may not be enough to solve the financial challenges of their students but the SRC believes it is a huge step to mitigating the challenges of our people.\nSource: NewsVibz.com || Kindly link back when you copy or paraphrase a paragraph(s) or the entire content.", "domain": "finance"}
{"url": "https://europoor.com/how-to-buy-leveraged-etfs-from-europe/", "date": "2023-03-29T02:40:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948932.75/warc/CC-MAIN-20230329023546-20230329053546-00222.warc.gz", "language_score": 0.8549224138259888, "token_count": 2440, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__289140296", "lang": "en", "text": "If you are looking to invest in leveraged 📈 or inverse ETFs from Europe/U.K., you’ll soon find that popular American products are not generally available through European brokers. Below I have compiled an overview of European leveraged and inverse ETFs, as alternatives to their popular 🦅 U.S. counterparts.\nThough providers such as Direxion, ProShares, and VelocityShares offer many leveraged products for indexes, sectors, and commodities, such ETFs (and ETNs) cannot be offered to Europeans due to ⚖️ PRIIPs regulations.\nIf no suitable European variants exist for your purposes, you can instead buy the U.S. ETFs directly through a U.S. based broker, even while residing in 🌍 Europe. Follow this link to learn more about this method.\nLooking to diversify your portfolio?\nWhy not add a little crypto? Sign up with Coinbase—one of the world’s largest and most reliable exchanges—and receive $10 worth of Bitcoin for free, when buying at least $100 worth of crypto.\nClaim free gift! 🎁\nOverview of European leveraged and inverse ETFs\nPlease find below a compilation of popular U.S. leveraged and inverse ETFs along with their European alternatives.\n|Equities||Leverage||U.S. ETF||European alternative|\n|S&P 500||3x Long||SPXL, UPRO||WisdomTree|\n|2x Long||SPUU, SSO||Xtrackers|\n|1x Short||SPDN, SH||Xtrackers|\n|3x Short||SPXS, SPXU||WisdomTree|\n|Nasdaq 100||3x Long||TQQQ||WisdomTree|\n|Emerging Markets||3x Long||EDC||WisdomTree|\n|FTSE 100||3x Long||N/A||WisdomTree|\n|DAX 30||3x Long||N/A||WisdomTree|\n|CAC 40||2x Long||N/A||Lyxor|\n|MIB 40||3x Long||N/A||WisdomTree|\n|Bonds||Leverage||U.S. ETF||European alternative|\n|10Y U.S. Bonds||3x Long||TYD||WisdomTree|\n|10Y U.K. Bonds||3x Long||N/A||WisdomTree|\n|10Y German Bunds||3x Long||N/A||WisdomTree|\n|10Y Italian BTP||3x Long||N/A||WisdomTree|\nUnfortunately, there aren’t nearly as many products available to Europeans as to Americans. Thus many specific variants (such as 2x inverse) may be unavailable, sector ETFs are missing altogether, expense ratios 💶 may be higher in Europe, and you may have to deal with lower volume and ETFs only being offered on specific exchanges.\nAlternative options for Europeans\nPersonally I am a big fan of leveraged ETFs, as I got inspired by Hedgefundie’s Excellent Adventure which utilizes ETFs such as TQQQ, UPRO, and TMF.\nAdditionally, I occasionally buy sector specific ETFs such as DFEN, 💻 SOXL, FAS, and YINN. Since none of these are available in Europe, I developed a method of buying them directly through a U.S. based broker. This will allow you to buy any U.S. domiciled ETF, even if you live in Europe. If you are interested in this method, you can find the guide here.\nTo obtain leverage on otherwise unleveraged stocks and ETFs, one could also consider the use of CFDs. For more information on that, check out my CFD guide.\nReceive up to €100 in Bitcoin for free!\nInterested in crypto but want to invest only a small amount? Use SwissBorg to purchase or deposit just €50 worth and receive a random amount of up to €100 in crypto for free.\nDiscover your reward! 🎀\nDo you know of any other suitable European alternatives? Leave a comment below and share your 🧠 knowledge!\nThanks for sharing!!!! Was indeed stumped with my broker for the TQQQ/\nnice list. you saved me alot of work to find this\nHello! Thank you first of all for this page, you can’t imagine how useful it is! I have a couple of questions:\n1. I can’t find the Graniteshares fngu ETF on my broker (Degiro). Do you know of other ETFs for 3x or 2x long faang+ that can be bought in Europe?\n2. Are you aware of European leveraged ETFs that target specific sectors? For example the equivalent of SOXL, FAS, PILL, LABU…\n3. How did you find out the ETFs that you’ve mentioned in this page? When it comes to US ETFs i generally start from Google search, but your page is literally the only one on the topic…\nThanks a lot!\nHi Simone, as for DeGiro, it’s quite common for certain products to be missing from their platform. Best would be to request it be added. You can send them an email with the following details: ISIN, currency, ticker symbol, and exchange. Keep in mind that some products cannot be offered in certain countries (or are available to institutional clients only). Generally it takes a few weeks for them to add a newly requested product.\nShould it not be possible to have the product added, then I can recommend using the justETF screener to search for alternatives. Here you can filter on leveraged ETFs, among other things. Another good resource is the Morningstar screener.\nI did look into leveraged sector ETFs, but there don’t really seem to be any UCITS alternatives for those, unfortunately… Personally I use Tastyworks to get around these restrictions.\nIndeed it took me quite some effort to compile the entire list. You’d expect such information to be more readily available, but alas. Very happy to hear it’s been valuable to you!\nIE00BLRPRL42) has just been removed from Degiro. Do you have any alternative? Thanks!\nHi Fernando, are you sure it got removed? Perhaps it wasn’t available to begin with? You can request DeGiro to add missing ETFs if you shoot them an email. I’ve done it a few times myself. If they did remove it, then that would be really unfortunate. Perhaps you can try Interactive Brokers?\nSector ETPs just added, along with some “Ark” Trackers and 3x All-World:\nHi, good tip, I’ll look into updating the list!\nDo some of the European leveraged ETFs also have options?\nThanks very helpful. I can buy all the US-based ETFs, but for my corporate account, I want to buy EU-based ETFs for tax purposes. Very helpful!", "domain": "finance"}
{"url": "https://cotswoldswed.com/blog/wedding-budgeting-tips/", "date": "2024-04-24T00:23:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818835.29/warc/CC-MAIN-20240423223805-20240424013805-00847.warc.gz", "language_score": 0.9485396146774292, "token_count": 2007, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__151386394", "lang": "en", "text": "Our guide to cutting costs without sacrificing your wedding ambitions\nUnless you’re the son of a sultan, or an endlessly wealthy individual, your wedding will need to have a budget. An end point where you say, that’s enough, I don’t want, or can’t spend any more on this day. For some, that’s around the 25k mark. (In fact, the cost of the average UK wedding in 2023 is £23,885.) But for others, their wedding budget is a little more eye-watering. Regardless of the ceiling amount you want to spend, it’s important to always keep an eye on the figures, and not let the emotion of the day fuel your decisions. With this in mind, and to help all couples, at any point in the wedding planning process, we thought we’d put together some expert budgeting tips. Knowledge, and advice that’ll help you to genuinely save on your Cotswolds wedding, without compromising on the occasion.\nThere will be many concessions you’ll need to make during the planning stages, but what’s significant to keep in mind is the vision you had at the beginning.\nWhat did you dream about seeing, smelling, and feeling as you walked down the aisle? How did you envision the reception space would look when you arrived at the wedding breakfast? Don’t lose sight of the fantasy. You may not be able to book every supplier, or buy every decor item you desire, but with our wedding budgeting tips we’ll help ensure you’re not forced to sacrifice your dream celebration.\nPlan Your Dream Cotswolds Wedding Affordably with Our Budgeting Tips\nPlanning your dream wedding in the Cotswolds doesn’t have to break the bank. Discover budgeting tips to make your celebration affordable and unforgettable.\nConsider an Off-Peak Celebration\nReally want to make some savings? You might have to bite the bullet, and marry mid-week, or out of peak wedding season. However, we entirely understand how major a decision it would be to choose either of these options, and that’s why we had to put it first on our list of wedding budgeting tips.\nMarrying midweek will ruffle some feathers among your guests, and could potentially alter the whole experience for those who need to work the next day. But, you could potentially save over half on the venue hire alone. Possibly more. Which would mean you could create an even more spectacular event for your guests? Or that drop in wedding venue hire price could mean that your dream space in the Cotswolds is now in budget?\nAs with midweek celebrations, marrying out of season could save you a small fortune. A wedding in February, for example, would certainly cost a lot less than planning it for the peak summer wedding slot in July, or around a bank holiday period.\nMarry in the Morning, or the Evening\nBy having your wedding celebrations wrapped up by late afternoon, or not starting them until the sun is going down, could also save you money. Venues hate to see their space unused at any point, so if they can get you in and out early, or fit you in later, around another event, they’ll happily offer you a sweet deal.\nWith either of these options, you may have to alter plans a little, especially for a twilight wedding. This type of event doesn’t lend itself to a traditional sit-down wedding meal. Opt instead for more of a cocktail style soirée with canapés served on trays. But with the savings you’ll be making, you’ll have the opportunity to throw a spectacular evening event.\nSkip Physical Stationery\nOf all the wedding budgeting tips, this one might upset Mum the most, but we feel it’s worth the heartache! Physical wedding invitations, save the date cards, special envelopes and all the paper parts that make up a traditional invitation suite are so special. And we would never suggest forgetting about having wedding stationery if you can comfortably include it in your budget.\nHowever, using a wedding website, or some kind of email invitation service will save you a lot of money. Many of the wedding website options out there are actually free, and come with lots of other planning tools included that should help you not only keep your budget on track, but the timeline too.\nIt may not feel as real, or as permanent, as a wedding invitation you can hold in your hands. But online invitations and wedding websites are ideal when you want to update all of your guests with any breaking wedding news. While also allowing you to be more interactive with your presentation, by offering the option to add videos, engagement photos and plenty of useful links and info about your big day.\nRent Your Wedding Dress or Shop the Sample Sales\nOne of the biggest trends in fashion right now is renting. Up and down the country, and of course online, boutiques are opening up to offer designer clothes for rental. A real game changer for the industry as a whole, and a godsend for those cash strapped social butterflies who can’t bare to be seen in the same outfit twice. But not only is it a cheaper option than buying outright, but it’s also (a bit) better for the environment.\nBridal fashion has also seen a surge in rental offerings, and as a concept, it was given a slight popularity boost when Carrie Symonds rented her wedding dress to marry Boris Johnson in a couple of years ago.\nNow, if you’re a purist, and you want the dress you marry in to be a garment passed down for generations to come – maybe scroll to the next of our wedding budgeting tips.\nFor those not so sentimental, consider the fact that a rental wedding dress can be hired for as little as 10-20% of its retail price. Meaning a £2,000 bridal gown could be yours for the day, for roughly £200. That’s just an average priced bridal, you could choose a designer style that would typically be way out of your price range, and still only pay £500-£600.\nIf you are dead set on owning your wedding dress, then be sure to follow all of your local bridal boutiques on social media, and watch out for sample sales. It’s also worth getting in touch with shops too, just to see if they have a sale rail you can browse. You’d be amazed at the discount wedding dress shops put on sample dresses when they become unavailable to re-order.\nThe dress will have been tried on a few times in-store, but the shop will have typically washed and thoroughly checked the garment before putting it up for sale.\nEvery wedding dress needs to be altered before it can be worn on the day. Which means it shouldn’t be an issue if you’re not quite the same size as the sample. An experienced seamstress can usually work miracles with just a little bit of fabric!\nAlways Opt for In-season Blooms\nFlowers, food and anything natural will always be more budget friendly and better for the environment when bought in-season. Flowers are the most obvious example, as their cost can skyrocket if not considered carefully.\nWe mentioned in our introduction that you shouldn’t lose sight of your wedding vision when trying to save money. And wedding flowers are often an area that couples struggle to keep under budget, typically because they cost much more than expected. And because they become fixated on one or two particular blooms. Certain flowers they just have to have featured on their wedding day. But when it comes to flowers, there’s always another option.\nIf you want to save on wedding flowers, speak to an experienced florist, tell them your vision and let them guide your florals. If your dream flower/s are out of season, or cost too much, they will be able to suggest a different, more suitable stem that’ll match the look you’ve been dreaming of.\nCreate a Misc Wedding Budget Vault\nFor us, this is one of the most important wedding budgeting tips, and yet it’s not often talked about. A piece of advice that won’t necessarily save you money in the short term, but will certainly help out further down the line.\nWhen formulating a wedding plan and budget, couples typically list all the major, big ticket items. Venue, outfits, catering etc. But they fail, understandably, to include absolutely everything. Small, little purchases and services that, unfortunately, all add up in the end. Things like stag and hen parties, hotels, transport for guests, overtime costs for suppliers and venue, and then just stuff…! Little things like petrol, tips, and meals for people working for you.\nThere are so many small payments you’ll need to make on, and leading up to the big day, that either you just won’t be able to prepare for, or wouldn’t have had the headspace to plan. So, save yourself the credit card charges, or the embarrassment of asking parents for (more) money, and create a contingency fund. Between 5%-15% of your overall budget is a good amount to keep spare for emergencies.\nDon’t allocate anything to this contingency wedding budget during the early to mid-stages of your planning. Keep it back, ready for any emergencies. This may not be the most exciting of our wedding budgeting tips, but you’ll thank us when it saves you from disaster, or debt!", "domain": "finance"}
{"url": "http://www.agrana.com.mx/?sorting=pubdate%3Adesc&tx_thgenericlist%5B2037%5D%5Boffset%5D=58&cHash=4da15791133a82be74feaf31f62fedb6", "date": "2018-02-23T23:51:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814872.58/warc/CC-MAIN-20180223233832-20180224013832-00434.warc.gz", "language_score": 0.652917742729187, "token_count": 146, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__268532423", "lang": "en", "text": "Noticias en México y en el mundo\n15 de octubre de 2009\nAGRANA - Results of first six months confirm stable business trend\nThe international sugar, starch and fruit company, AGRANA, showed a stable and satisfactory business performance in the first half of the 2009|10 financial year.\n15 de julio de 2009\nAGRANA: Significant earnings improvement in the first quarter of 2009|10\nIn the first quarter of 2009|10, AGRANA, the sugar, starch and fruit group, achieved revenue growth of € 11.1 million or 2.2% to € 506.2 million (prior year: € 495.1 million)", "domain": "finance"}
{"url": "https://www.leasebreak.com/blog/2013/10/03/what-paperwork-needed-to-rent-an-apartment-in-nyc", "date": "2023-12-05T09:10:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00444.warc.gz", "language_score": 0.9600973129272461, "token_count": 349, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__314504287", "lang": "en", "text": "What Paperwork Is Needed to Rent an Apartment in NYC?\nAs if finding a rental apartment in Manhattan is not challenging enough, it sometimes sends people over the edge with frustration when they learn what paperwork is required by most landlords. The reason why landlords require so much paperwork is really for two main reasons. First off, they rarely get to meet the prospective tenant in person so they need more paperwork in order to fully qualify someone. Second, the laws in New York City tend to favor tenants, and judges have a history of siding with the tenants against landlords. Evicting a tenant can be a nightmare in Manhattan for landlords and very costly. Most landlords who have gone through the process will tell you it can take at least 4 to 6 months to evict someone. Therefore, landlords want to make extra sure that they have a qualified tenant who will hopefully pay their rent and pay it on time. While different landlords require different paperwork in order to rent an apartment, if you have the below paperwork with you, you should be able to apply for more than 85% of apartments in New York City. Also, bear in mind that the standard rule of thumb is that you earn 40X the monthly rent, and if you have a guarantor, they would usually need to earn 80X the monthly rent. Some of the tougher landlords require 50X the rent for tenants and 100X the monthly rent for guarantors. Documentation often requested by landlords to rent an apartment in New York City:\n- Copy of photo ID\n- Copy of first two pages of last year’s tax return\n- Copy of two most recent pay stubs\n- Landlord Reference Letter\n- Letter of Employment\n- Copy of most recent bank statement", "domain": "finance"}
{"url": "https://www.leftinthedark.org.uk/", "date": "2024-04-21T23:12:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00273.warc.gz", "language_score": 0.983893871307373, "token_count": 660, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__152302248", "lang": "en", "text": "It is often thought that loans for bad credit are just for those people that do not have a very good credit record and they are often ignored by other borrowers. But the lenders do not check and only let people with a poor credit record use them, they will let anyone use them. You may still feel that they are not for you though, particularly if you have never had any money worries. However, there are a few good reasons why everyone should know a bit more about them.\nYou Never Know When you Might Need Them\nWe can never predict when we might need a loan like this. Even if we are completely confident that we will always be in control of our money and that we will be able to pay for everything we need so our credit record stays good, we cannot be completely sure – especially when we need money right now. There could be situations where we find that we are unable to manage or that we have problems with employment or even illness and find that we do get into money troubles. Then, if we need to borrow money, this sort of loan could be useful for us. It is therefore worth being aware of the loans and thinking about what they can be used for, so that we are able to know what is available if we find ourselves in the situation where we need to use it.\nThey Have Other Useful Features\nIt is also worth being aware of the fact that there are features of these loans which are not the same as others and this could mean that they will be more suitable for your needs, even if you have a good enough credit record to be able to borrow using other means. For example, it is sometimes possible to organise a payday loan within a few hours. This means that if you need money really quickly, then it is possible to get it this way. Some of these lenders are also available to lend money outside of normal business hours, such as overnight or during weekends and this can be very handy as well, as it means that they will be able to provide money when perhaps it is not available form other sources.\nThe loans are also available in small quantities. Most of the time we will be offered more money than this and this is not always a good thing. This is because if we borrow more, we will need to pay back more and that can be tricky. We also get charged depending on how much we borrow so borrowing less can be advantageous. You will need to check this though as loan rates vary a lot and so you will need to be sure of the costs before you take out any loan. Borrowing a small amount can also be easier for those people that do not like borrowing money or being in debt as they will not be in debt for very long.\nSo, it is wise not to dismiss any loan type, until you have established what you need and what loans best fit your requirements. This is the only way to guarantee that you will get good value for money from the loan that you are choosing. You need to think about all of the features that you need form the loan and see which loan type will suit you the best with regards to the features that they have. Then you need to compare the different lenders so that you can find the one that will provide you with the best value for money.", "domain": "finance"}
{"url": "https://mobile-economist.soft112.com/", "date": "2017-10-22T02:48:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187825057.91/warc/CC-MAIN-20171022022540-20171022042540-00414.warc.gz", "language_score": 0.8999027609825134, "token_count": 410, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__227360134", "lang": "en", "text": "\"Mobile Economist\" is designed to manage personal finances on Pocket PC (a handheld device, etc.). Unlike most similar programs, \"Mobile Economist\" is built for your fingers, which greatly simplifies workflow. \"Mobile Economist\" has a minimum of necessary functions that are accessible through an intuitive, colorful interface.\nThe program has a number of reports of various types. You can view a report on any expence monthly (for all or any group of categories), you can compare incomes or expenses month by month, or see your financial status at the current time.\nTo use this program you will need a PDA or a handheld device with Windows Mobile 5 or later as operating system.\nFull list of features:\nAccounting for incomes\nAccounting for expenses\nHistory and editing of income\nHistory and editing of expense\nEditing categories of operations\nAccounting for deposits and debts\nTransfer of funds between accounts\nChanging the balance of the account\nReport on expenses for the month\nReport on incomes for the month\nComparative report on expenses\nComparative report on incomes\nFull report on the account\nSummary for all accounts\nBackup and restore\nPassword data protection\nMobile Economist is a free trial software application from the Personal Finance subcategory, part of the Home & Hobby category.\nThe app is currently available in English, Bulgarian, Byelorussian, Czech, Dutch, French, German, Italian, Moldavian, Portuguese, Romanian, Russian, Spanish, Ukrainian, Yiddish and it was last updated on 2010-03-18. The program can be installed on WinMobile, Handheld/Mobile Other.\nMobile Economist (version 1.5.1) has a file size of 2.10 MB and is available for download from our website.\nJust click the green Download button above to start. Until now the program was downloaded 64 times.\nWe already checked that the download link to be safe, however for your own protection we recommend that you scan the downloaded software with your antivirus.", "domain": "finance"}
{"url": "http://healthbeat.areavoices.com/2010/06/21/", "date": "2015-08-03T23:16:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438042990123.20/warc/CC-MAIN-20150728002310-00217-ip-10-236-191-2.ec2.internal.warc.gz", "language_score": 0.9546480774879456, "token_count": 1117, "dump": "CC-MAIN-2015-32", "global_id": "webtext-fineweb__CC-MAIN-2015-32__0__2000731", "lang": "en", "text": "If you can’t get by on the fees you collect for providing a service, start tacking on extra charges: $25 for the paperwork, $10 for the administrative overhead, $5 for copies of documents, another $25 for retrieval of said documents, etc. etc. etc.\nBusinesses and government do it all the time. Now the concept is being adopted by doctors as well. The practice doesn’t appear to be widespread, but according to a recent article in USA Today, it’s starting to look more and more attractive to physicians who can’t make ends meet on insurance reimbursement alone. From the article:\nThe extra payments include no-show fees of $30-$50 for missed appointments, widely varying charges for filling out health forms for school, work and athletic teams, and annual administrative fees of $30-$120 or more to simply be a patient in some practices, medical associations and doctors say.\n\"It’s not unlike the airlines,\" said William Jessee, president of the Medical Group Management Association, which generally advises against extra fees that may anger patients or run afoul of insurance contracts. \"They’ve gone from all-inclusive to a la carte. That’s what you’re seeing with physicians.\"\nDoctors who charge extra fees are in the minority, he said. Some have done it for years, but more are joining them because they say they need the fees to offset the rising costs of practicing medicine.\nIs it fair or reasonable to charge extra? Or are services such as filling out forms and refilling prescriptions just part of the doctor’s cost of doing business?\nAn Atlanta mom has to fork over $10 every time the family pediatrician fills out a form, and she doesn’t like it. \"It’s part of their job,\" she told USA Today.\nJudging from the 800-some comments posted by readers in reaction to the story, there’s a lot of resentment over the concept. \"Any doctor that tacks on fees will not be getting my business,\" one person wrote. \"They are just greedy theives (sic). And on top of it they are whining greedy theives (sic),\" fumed someone else.\nGrousing aside, it’s valid for people to ask where the line should be drawn between the normal cost of doing business vs. uncompensated burden. A teacher who commented at USA Today wondered, \"Should I be compensated extra for my student-teacher conferences? Or for having to fill out forms regarding a child’s poor behavior? What about the extra hassle of speaking on the phone with a parent who is worried about their child? Isn’t this all ‘administrative’ stuff?? Yes, but it comes with the territory.\"\nFrom the physician’s point of view, though, it’s becoming increasingly difficult to stay solvent while managing the flood of unreimbursed paperwork. Dr. Toni Brayer lamented the situation in a guest post at Kevin, MD:\nAs a physician who has practiced for over 20 years, I can tell you that the demands of filling out forms for everything from work questions and school physicals to handicapped stickers and travel vouchers, dealing with insurance companies, reviewing tests ordered by other doctors, overseeing and coordinating patient care, talking with pharmacists, filling prescriptions and then redoing the work when a patient switches pharmacies, e-mailing and countless other tasks that are \"free\" make it near impossible to remain in private practice.\nIf health care was like other industries, it could simply raise its prices to cover the increased cost of doing business, or drop services that don’t pay for themselves. But health care doesn’t function like other businesses. For one thing, there’s limited room for negotiating reimbursement rates with third-party payers. In the case of Medicare, there’s no negotiation; providers either have to accept what Medicare is willing to pay them or opt out of Medicare altogether. For another, insurance contracts usually place restrictions on charging extra for services already deemed to be covered. In view of the fact that physicians only make money by seeing patients and/or doing procedures, administrative fees are one of the few viable options left for bringing in more revenue to subsidize their overhead costs.\nI personally wouldn’t mind paying extra fees, as long as they were reasonable. (And I’m gonna add here that doctors aren’t alone in disliking all the forms they have to fill out on behalf of patients; most patients don’t like it either.) There are patients, though, who won’t be able to afford the extra fees – what then? And does it make sense to add more spending to a health care system that already consumes billions of dollars each year?\nThe irony in all of this is that it’s not doctors and patients who are the real problem. The real problem lies in how physicians are paid and how third-party payers set their reimbursement rates. If both these things could be changed, the burden for physician practices might be eased and administrative fees would no longer be necessary. As usual, though, doctors and patients are paying the price for the brokenness of the health care system, and until there’s a substantive fix, add-ons such as extra fees constitute little more than a Band-Aid.", "domain": "finance"}
{"url": "https://www.townehyundaibuffalo.com/new-vehicle-specials/", "date": "2022-01-28T00:06:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320305317.17/warc/CC-MAIN-20220127223432-20220128013432-00118.warc.gz", "language_score": 0.8117166757583618, "token_count": 196, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__234654376", "lang": "en", "text": "New Vehicle Specials\n$500 Dealer Choice Cash\nThe new 2022 Hyundai Tucsons have arrived at Towne Hyundai!\nAnd now is the time to reserve yours and receive $500 Dealer Choice Cash available on all 2022 Hyundai Tucsons purchased from Towne Hyundai inventory until the end of the month.View Disclaimer\n$500 Dealer Choice Cash available on all Hyundai 2022 Tucson purchased from dealer stock between 1/4/2022 and 1/31/2022. Must be financed through Hyundai Motor Finance (HMF). Tax, title and license extra. Customers who participate in a Special Lease or Low APR program through Hyundai Motor Finance (HMF) do not qualify for Dealer Choice Cash. See participating dealer for details. Dealer Choice Cash offer ends 1/31/2022. MSRP excludes freight charges, tax, title, and license fees. Freight charges and actual dealer prices may vary. Vehicles displayed may contain optional equipment at additional cost.", "domain": "finance"}
{"url": "https://www.jsullinc.com/practice-areas/los-gatos-estate-planning-attorney/", "date": "2018-10-23T07:07:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583516117.80/warc/CC-MAIN-20181023065305-20181023090805-00366.warc.gz", "language_score": 0.9562766551971436, "token_count": 467, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__45089844", "lang": "en", "text": "Preserving the assets and property you work so hard to earn can easily be done through Estate Planning. At the Law Office of James M. Sullivan, Inc., we know which documents will work best to accomplish your wishes. It is never too early or too late to create these important documents, nor does size of your estate matter. Everyone deserves to have their wishes known and respected. With proper planning, you can still direct control of your estate if you are incapacitated temporarily or permanently, and after your death.\nJames M. Sullivan, Inc.\nWhen an estate goes to Probate, it is a time-consuming and costly process. By creating a simple Will or Trust, this problem often can be avoided completely.\nCustomized estate planning documents we help clients develop to protect their interests and those of their intended heirs include:\n- Wills & Trusts – living, revocable\n- Powers of Attorney\n- Medical/Healthcare Directives\n- Family Partnerships\n- Business Succession Plans\nAttorney James M. Sullivan\nFor over 45 years, Attorney James M. Sullivan has dedicated his law career to helping others with legal issues that affect their personal lives and business operations. He earned his Law Degree from Santa Clara University School of Law and was licensed to practice law in California in 1970. Most of his legal work is for clients who need help with tax matters, or estate planning and business issues. He gives each client personalized care and attention, as he creates unique strategies for their special needs.\nCalifornia Estate Planning Attorney\nWith Estate Planning documents, you can protect your personal or business assets and property from excess taxation, challenges and future problems about inheritance issues. When you make your wishes known in these documents, it helps you to maintain control at times when you are incapacitated and after your death. If you do not have valid documents, the Probate Court will appoint someone to administer your estate matters. Your wishes will go unknown, and your heirs may lose out on assets or property you wanted them to inherit. Businesses also can benefit from estate planning that dictates your wishes and succession plans.\nIt is never too early to start Estate Planning. Learn more by contacting James M. Sullivan, Inc., in Los Gatos, CA. Call us now, at (408) 395-3837.", "domain": "finance"}
{"url": "http://stiftelsen.expo.se/pr.php?id=1373329", "date": "2017-03-29T10:58:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218190295.4/warc/CC-MAIN-20170322212950-00329-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9142141938209534, "token_count": 266, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__289957136", "lang": "en", "text": "European fascist and neo-nazi association gets vast EU-subsidy\nA European association of fascist and nazi politicians is receiving hundreds of thousands of euros in funding from the EU – in spite of a recent tightening of rules meant to prevent such aid going to anti-democratic groups.\nIn 2014, the European Parliament tightened up its rules governing funding for European-level political parties. The aim was to prevent economic support going to parties that contravene the EU's fundamental human rights principles. As a result of the new rules, the European political party Alliance of European National Movements (AENM) lost their entitlement to EU funding in 2014.\nBut in spite of the new rules, the European Parliament this January granted some €400,000 to the far-right European political party \"Alliance for Peace and Freedom\" (APF). The APF is an association of European nazis, fascists and Holocaust deniers.\nFor more information please contact:\nAnna-Sofia Quensel, Researcher: +46 8 400 219 81.\nMikael Farnbo, Editor: +46 8 400 219 62.\nPhoto: The United Kingdom is represented in the executive board of the APF by Nick Griffin, ex-leader of British National Party. (Image: Expo).", "domain": "finance"}
{"url": "https://www.stylesimpler.com/tips-for-moving-homes/", "date": "2023-09-26T15:38:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510214.81/warc/CC-MAIN-20230926143354-20230926173354-00151.warc.gz", "language_score": 0.9599541425704956, "token_count": 623, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__146617154", "lang": "en", "text": "Moving homes can be exciting – whether you’re upsizing, downsizing, or moving to a new city. However, it can also be stressful – as you’re met with a seemingly endless to-do list and a lot of legal paperwork.\nWith that in mind, here are five useful tips you should bear in mind when moving home!\nKnow your budget ahead of time.\nHouse prices vary widely depending upon a range of actors such as location, size, amenities and more. However, it’s crucial that you know how much you are able to spend ahead of time, so that you only attend viewings that are within your budget. This will make it easier to find a house that meets your needs, without feeling pressured to spend more money than you can realistically pull together. In general, “most financial advisors agree that people should spend no more than 28 percent of their gross monthly income on housing expenses”, but each person is different.\nPut together a schedule & plan.\nThere are many tasks you must accomplish moving homes – from applying for a mortgage to signing complicated contracts. As most of these endeavours are also time-sensitive, it’s crucial that you put together a schedule that will help you to stay on track. This way, you won’t miss any important deadlines that could delay the process considerably. Ideally, you should write down a list of everything you need to do, as when we write things down, you’re more likely to remember them than if you tried to store all of the important information in your head!\nHire a moving company.\nWorking alongside a moving company, such as Two Men And A Truck, is another great way to reduce some of the stress you may be experiencing as your move-in date gets closer. This is because you don’t need to take any time out of your day to consider the logistics of moving bulky furniture or valuables from one home to the next – as this work will be done for you. Not only does this save you a great deal of time and energy, but it’s a great way to ensure nothing gets broken, damaged or lost en-route!\nGet your home ready to sell.\nOne of the biggest challenges associated with moving home is finding a buyer for your current property, but you can speed up this process by ensuring your home is market-ready. To do this, focus on making small changes that make the property more attractive to buyers, paying particular attention to what they are looking for. Remember, this endeavour does not have to break the bank as there are plenty of ways to update your home on a budget. For example, a fresh coat of paint can go a long way towards brightening up a space that would otherwise appear dull, tired or unappealing. As first impressions are crucial at property viewings, you may also want to look into ways to add curb appeal to your home, as your home’s exterior is the first thing a potential buyer will see when they arrive.", "domain": "finance"}
{"url": "http://www.trurocityfc.net/news/latest-city-seeking-new-investment-a-chance-to-get-2136659.html", "date": "2018-10-23T21:38:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583517376.96/warc/CC-MAIN-20181023195531-20181023221031-00539.warc.gz", "language_score": 0.9594815969467163, "token_count": 391, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__186916945", "lang": "en", "text": "MILLER Commercial have recently been instructed to seek “expressions of interest” on behalf of Truro City FC.\nThe club was rescued from administration approximately five years ago by local businessmen, Peter Masters and Philip Perryman. During their tenure, and following considerable financial investment by them, the club now finds itself debt free and playing in the upper echelons of the Vanarama National League South.\nThe pair committed to a five-year investment plan, the result of which finds the club currently sitting in the play-off positions and having reached the first round proper of the FA Cup for the first time in their history earlier this season with a trip to Charlton Athletic.\nWith the club having agreed rights to play at the planned Stadium for Cornwall, Truro City FC is in great shape and the current owners are now looking for a new investor or new outright owner(s) to come on board, as Chairman, Peter Masters, outlines.\n“It has been well documented that my Co Director Philip Perryman was going to step down at the end of the current season after completing a five-year stint with the club,\" said Mr. Masters. \"The club is now starting the process of looking for a co-investor to come in alongside myself or, alternatively, for someone to come in and take control completely in order to take the club on to the next level.\n\"Obviously anyone considering a venture such as this will need to meet certain requirements of The Football Association and be of a sound financial footing given the considerable annual investment a club such as this requires.”\nPotential investors looking to get involved in this unique opportunity should in the first instance contact the club’s agent Paul Collins of Miller Commercial on 01872-247029 or via email: email@example.com\nUpdated 19:56 - 13 Jun 2018 by Truro City Football Club", "domain": "finance"}
{"url": "https://www.firmamentshop.de/epages/61516592.sf/en_GB/?ObjectPath=Categories/CustomerInformation", "date": "2021-09-23T12:05:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057421.82/warc/CC-MAIN-20210923104706-20210923134706-00240.warc.gz", "language_score": 0.9085919857025146, "token_count": 310, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__178144436", "lang": "en", "text": "a) The purchase price contains the value-added tax (VAT).\nb) The buyer bears the costs for shipping; they amount to:\n· within Germany = 2,50 €; free of shipping costs starting at 20.00 €;\n· within Europe = 5,00 €;\n· remaining foreign country = 10,00 €\nRight of revocation\na) If the buyer is consumer he has a right of revocation. The right of revocation does not exist for contracts, which are effected by business companies or self-employed within their professional activities.\nb) The right of revocation applies to all Shop-articles.\nc) The period of revocation amounts to two weeks. It begins with the date of receipt of the goods at recipient. To meet the deadline, timely mailing to following address is sufficient: Firmament Musik Verlag und Notenvertriebsgesellschaft mbH, Wittelsbacherstr. 18, 10707 Berlin, E-Mail: firstname.lastname@example.org\nd) The contract can be cancelled without giving reasons in text form (e.g. letter, fax, E-Mail) or by returning the goods.\ne) The buyer is obligated to send back already supplied goods if this was not settled yet in connection with the revocation letter. The buyer bears the costs of the reshipment, if the value of the returned goods does not exceed an amount of 40,00 €, unless those supplied goods does not correspond to the ordered.", "domain": "finance"}
{"url": "http://primemeridianresources.com/about/", "date": "2019-08-24T18:52:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027321351.87/warc/CC-MAIN-20190824172818-20190824194818-00344.warc.gz", "language_score": 0.9433194398880005, "token_count": 163, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__143921768", "lang": "en", "text": "Prime Meridian Resources is targeting confirmed and speculative mining opportunities in Mexico. By taking controlling ownership of these endeavours, we are able to both maximize development efficiency and ensure operations are orchestrated in a unified and cohesive manner providing streamlined productivity and growth every step of the way. This formula provides accelerated development, faster revenue and rapid scaling.\nPrime Meridian Resources is traded on the TSX-V under the symbol PMR. In addition to being acquired via public exchange, PMR shares are currently available through private placement sale. We are offering 15,000,000 shares at a price of $0.10 per share, with additional 15,000,000 PP warrants available for $0.30. The private placement sale is being used to fund new projects that will help us generate revenue and further expand operations in the future.", "domain": "finance"}
{"url": "https://www.gliseljimenez.com/insurance/auto", "date": "2023-09-29T08:05:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510498.88/warc/CC-MAIN-20230929054611-20230929084611-00005.warc.gz", "language_score": 0.9049341082572937, "token_count": 219, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__246987243", "lang": "en", "text": "Auto Insurance in and around Summit\nBE READY FOR THE ROAD AHEAD\nWind storms, vandalism, and a rollover, oh my! Even the most attentive drivers know that sometimes trouble finds you on the road. No one knows what to expect around the next bend.\nGET AUTO COVERAGE YOU CAN TRUST\nThat’s why you need State Farm auto insurance. Whatever you drive—whether it’s a motorcycle, classic car, or RV— coverage from State Farm gives you confidence for the day ahead. State Farm Agent Glisel Jimenez is ready to help you navigate life’s road with high-quality coverage for all your auto insurance needs. Such attentive service is what sets State Farm apart from the rest. And it won’t stop once your policy is signed. If trouble finds you on the road, State Farm is there to handle your claim promptly and reliably. Don’t let mishaps get in your way! Reach out to State Farm Agent Glisel Jimenez today and find out the advantages of State Farm auto insurance.", "domain": "finance"}
{"url": "https://www.triumfo.de/how-to-plan-the-budget-for-your-exhibition-booth/", "date": "2023-09-22T14:18:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506420.84/warc/CC-MAIN-20230922134342-20230922164342-00209.warc.gz", "language_score": 0.9642761945724487, "token_count": 634, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__216882535", "lang": "en", "text": "Each and every company participating in a trade show or exhibition starts planning and working on it months before the event. Among all the other tasks, the most important part of planning an exhibition booth is its budgeting. If your company is planning to exhibit at a trade show or an exhibition soon and you are struggling with its budgeting then this blog is for you.\nWe have mentioned everything you need to know about how to do budgeting for an exhibition with a detailed cost breakdown of it.\nEvery brand exhibits in trade shows and exhibitions with certain goals. These goals help you to create the outline for your budget planning. You can also meet any shortcomings way before your exhibition with this. Hence, your aim must be to plan a budget that entirely meets your exhibition goals.\nAsk yourself the following questions as you plan the budget for the exhibition:\nYou should have an estimated budget on how much your company is willing to spend for the exhibition stand before approaching any exhibition stand design company. Generally, an exhibition booth budget is divided into four segments naming, exhibition stands cost, marketing cost, service cost, and stand booth staff cost. This will give you an estimate on where to allocate how much money.\nNow, you need to calculate your estimated budget with the actual budget of the exhibition and do the distribution of resources. The budget is divided further into the following categories:\nExhibition Stand (40%): The biggest factor that affects the cost of your exhibition stand is its size. That is the reason custom exhibition stands come in many sizes such as 10×10 stands, 10×20 stands, customized exhibition stands, and many others that differ according to the space they occupy. However, your exhibition stand is the most important aspect of the exhibition so it will acquire 40% of the total budget.\nExhibition Stand Staff and their Transportation (20%): An exhibition stand is of no use without its staff. That’s why you have to keep 20% of your total budget for the stand staff’s paychecks and transportation. This percentage increases in case you are taking part in an international trade show which will increase the traveling expenses.\nTrade Show Services (19%): Any good exhibition stand design company or I&D company will charge a good cost for their services as they provide you with a team of professionals who offer expert services from designing the stand booth to building the booth.\nShipping and Drayage (10%): The shipping and warehousing companies can charge a decent fee. Also, your drayage cost might be slightly more or equal to the shipping cost of your stand booth to the venue.\nMarketing (5%): Your marketing cost will take at least 5% of your total budget as you might need to create a lot of content from pre-trade show posts to product demonstrations to giveaways.\nMiscellaneous Cost (5%): Although we have mentioned the most important aspects of the exhibition stand. There could be various small, miscellaneous costs such as trade show Wi-Fi connections, maintenance charges, exhibit stand staff’s food, lead retrieval system charges, any unforeseen extra charges, and so on.", "domain": "finance"}
{"url": "https://northlandfinancialllc.com/get-started-now/", "date": "2024-04-22T19:35:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818337.62/warc/CC-MAIN-20240422175900-20240422205900-00142.warc.gz", "language_score": 0.9165472388267517, "token_count": 511, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__183217985", "lang": "en", "text": "Get Started Now!\nWorking with a trusted financial partner is one of the most important decisions you can make for your financial future. Whatever you hope to achieve, it’s our mission to simplify the complexities of your financial life so you can focus on what matters most.\n- Do you wonder which healthcare plan is best for you in retirement?\n- Do you wonder if you are truly prepared for retirement?\n- Do you have specific questions about your financial plan?\n- Would you like a second opinion on your investments or retirement plan?\nWe’re Here To Help Virtually\nWe offer a no-cost introductory Q&A session to help answer your questions, learn more about your goals, and see how we may be able to help.\nIn our no-cost introductory phone call, we’ll discuss:\n- Which financial questions do you have?\n- What worries you about your financial future?\n- What are your concerns or goals when it comes to investing?\nDuring our discussion, we’ll answer any specific questions you may have, and take the time to learn about your values, goals, and objectives.\nHow To Prepare For Our Call\nYou don’t need to do anything to prepare for the meeting, and there’s no cost or commitment for the call. It may be helpful to collect your financial questions so we can review them together. Use the link below to schedule your call online now!\nGet Started Now\nSchedule your free 15-minute introductory phone call today to:\n- Plan to maximize your financial future.\n- Get answers to your specific questions.\n- Get personalized recommendations for your unique situation.\nYou may also call 480-561-6161 or email firstname.lastname@example.org.\nJoel Rieck is president and founder of Northland Financial, LLC. He specializes in helping and educating the public on planning their retirement and managing risks. He assists individuals with retirement income planning, Medicare, Social Security, life insurance, IRAs, and asset management. Joel is a certified National Social Security Advisor (NSSA®) as well as a Chartered Retirement Planning Counselor (CRPC®). He holds a Series 65 securities license as well as life, health, property, and casualty insurance licenses, and is a registered Investment Advisor Representative with the SEC. Joel holds a deep commitment to service, communication, and integrity. To learn more about Joel, connect with him on LinkedIn.", "domain": "finance"}
{"url": "http://hospitalityauditservices.co.uk/stock-control-management-accounting/food-beverage-flash-reports.php", "date": "2021-05-12T08:48:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243991685.16/warc/CC-MAIN-20210512070028-20210512100028-00295.warc.gz", "language_score": 0.9509919285774231, "token_count": 198, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__103349159", "lang": "en", "text": "Hotel Food and Beverage Flash Spreadsheets\nAs well as full Hotel stock takes, costs can be controlled using food and beverage flash reports. These are used extensively in large hotels so that Chefs and Food & Beverage Managers can monitor costs and profit margins throughout a period.\nWe offer food and beverage flash spreadsheets which allow you to track kitchen and liquor purchases and give an estimated GP% in real time (generally a month or financial period). This information is vital to all Head Chefs, owners or managers as it allows for the food and liquor GP% to be monitored through a month.\nAdjustments to purchasing, waste, portion size etc can be made to correct any issues immediately. If such a system is not used, the GP% is only likely to be known a couple of weeks later when financial figures are produced. This is too late.\nPlease be aware that some basic Excel knowledge will be required to complete your own stock takes and food flashes.", "domain": "finance"}
{"url": "https://goodshepherdokc.org/medicaid-expansion/", "date": "2022-12-02T17:12:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710909.66/warc/CC-MAIN-20221202150823-20221202180823-00729.warc.gz", "language_score": 0.9007105231285095, "token_count": 170, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__220014031", "lang": "en", "text": "Medicaid Expansion now makes SoonerCare available to adults ages 19-64 whose income is 138% of the federal poverty level or lower. This is estimated to be an annual income of $17,796 for an individual or $36,588 for a family of four. The application process is now open.\nThere are no premiums for members in the newly expanded SoonerCare population. However, non-pregnant adults will be charged co-payments up to the 5% out-of-pocket cost-sharing limit, unless exempted from cost-sharing requirements.\nAdditional information can be found in the linked flyer(s):\nFor assistance navigating the application process, please visit https://oklahoma.gov/ohca/individuals/mysoonercare.html, or call 1-800-987-7767.", "domain": "finance"}
{"url": "https://modernrev.newwebsitedraft.com/how-to-stay-cool-in-a-hot-market", "date": "2023-12-05T22:07:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100568.68/warc/CC-MAIN-20231205204654-20231205234654-00167.warc.gz", "language_score": 0.9569572806358337, "token_count": 943, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__186543101", "lang": "en", "text": "This blog was originally written during the hot market of 2016 when Saira attempted to purchase a home for herself and competed against eight other buyers who wanted the same home. Here are her tips for being prepared and how to keep your cool in a hot market!\n1. Know what you want!\nOne of the tools our team uses with clients is a needs, wants, wishes, and deal breaker list. When you find a great property, always cross reference the list. Don’t get swept away by the pressure of multiple offers, make sure the property fits your requirements.\n2. Move quickly\nIn a brisk market, you need to act quickly. We recommend seeing listings in the first day or two once they hit the market. Most sellers are setting a day and time when offers will be presented. The quicker you can get in to see the home, the more flexibility you’ll have to satisfy conditions ahead of time or decide if you want to move forward with an offer. There is also a risk of a bully offer coming in (where someone will try an offer before the set offer presentation day and time). If you’ve already seen the home, you may have an opportunity to compete against the bully offer if the seller decides to entertain it.\n3. Consider unconditional\nWe only recommend not including conditions like financing or inspection if you have satisfied these conditions ahead of time. This could mean submitting a hypothetical deal through your mortgage professional to get a financing approval. You may also pay for inspections before you know you have the property. This can be risky, but it can give you a head start on other buyers. A prudent REALTOR® and mortgage broker will advise you of all the risks you’re taking with each decision you make.\n4. Consider the long term\nWe recommend our clients look at real estate as a long term investment. Are you going to be able to grow in this home? Are there options to finish a basement if you need more space? Can you suite the downstairs and keep it as an investment? Think of your long range plans and then consider if it will make a big difference to your life if you have to up the price to get your dream home.\n5. Know Your Numbers\nYou should know exactly how much cash you need for a down payment, property transfer tax and closing costs at various price points – do you have enough? You should also calculate your ongoing monthly costs: mortgage, property taxes, estimated heating/utilities, strata fees, insurance, etc! We love the Canadian Mortgage App for all these calculations. You’re able to plug numbers in, including rent if there is a suite, get a really good sense of what your ongoing monthly costs are, and the cash you need to proceed with the purchase.\nWhen you’re competing, it’s best to focus on your monthly cost (which you have to live with during the term of the mortgage) and less on purchase price. Instead of asking, “Should I spend another $5,000?” ask yourself “Can I afford another $20/month?” This will help alleviate some of your stress when deciding on a price to offer.\n6. Keep your cool\nUnderstand that an offer is only a means to tie up the property until you satisfy your conditions. With multiple offers, you may only get one shot to put your best offer forward. If after you submit your offer the seller wants to further negotiate with you, I would say to trust your gut. Ask yourself all these questions: Am I going to be excited to get the home for this price? Or, will I resent the home because I felt like I over paid? Is this a long term investment? Can I afford the monthly costs? Will I have enough cash on closing? Is this what I want? If I lose this home, is it the end of the world? (I assure you it’s not).\nCompeting to purchase a home is a lot like falling in and out of love. If you don’t get your dream home this round, don’t worry! When you find “the one” you’ll know why all the other ones didn’t work out. =)\nWe have helped hundreds of clients buy and sell in very competitive markets. If you would like to meet with one of our team members for a buyer orientation, please contact us to book an appointment. We will discuss what to expect when you buy, strategies for being successful, and costs to be aware of no matter what you are looking for.", "domain": "finance"}
{"url": "https://www.fonogenic.com/services", "date": "2024-04-18T04:00:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817187.10/warc/CC-MAIN-20240418030928-20240418060928-00253.warc.gz", "language_score": 0.8908682465553284, "token_count": 164, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__198462191", "lang": "en", "text": "*20% deposit required for all sessions.\n*We will keep your deposit if you cancel your long-term session less than 12 days in\nadvance or your short-term session less than 48 hours in advance.\n*A standard Studio Lockout is 10 hours, unless agreed upon otherwise.\n*Billing starts at the time the session is booked – Overtime at standard hourly rate.\n* We assume no risk and make no guarantees for the safety of client’s equipment or materials.\n*We are not responsible for data left on premises, either the dissemination of said data or loss thereof.\n*Any and all damage to the building/equipment during use of the facility by client and/or their visitors\nis the sole legal and financial responsibility of the client.", "domain": "finance"}
{"url": "https://jut.sk/jut-amp/en/for-suppliers/", "date": "2023-12-11T12:33:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679511159.96/warc/CC-MAIN-20231211112008-20231211142008-00841.warc.gz", "language_score": 0.9507376551628113, "token_count": 377, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__197428043", "lang": "en", "text": "For the Suppliers\nDuring the execution of individual projects JUT-AMP Ltd. works closely with its chosen suppliers and jointly guarantees to all public and private investors that their projects will be executed at a high level, meeting their standards and completed within the agreed time scale.\nTherefore, we perceive our suppliers as partners and do not demand from them obligations beyond the contractual relationship existing between the customer and our company.\nHowever, we demand compliance with standards that we ourselves guarantee to our customers:\n- compliance with the Health and Safety Regulation\n- adherence to agreed contractual terms, quality and prices of goods\nRECEIVING AND PROCESSING OF INVOICES IN JUT-AMP Ltd.\n1. All invoices issued must be delivered to the central registry of the company in one of the following ways::\nHard copy to the company address:\n2. The invoice due date is normally one calendar month from the date of delivery of the invoice to the delivery address referred to in point 1.\n3. The payment date is the date on which the payment order is handed over to the bank, unless otherwise agreed by contract.\n4. The invoice must be issued in accordance with the current legislation and must contain at least the following information:\n- name of the building site\n- a description of the work carried out / service provided\nIf it does not contain the above-mentioned information, or if they are incorrectly stated, the Customer is entitled to request its correction within the due date. After the corrected or newly issued invoice is delivered, the new due date begins. You can view all the essentials in details in the “Download” section.\n5. The customer’s guarantee as the recipient of the taxable supply for the supplier’s unpaid VAT on this supply is governed by the current legislation of the Slovak Republic.", "domain": "finance"}
{"url": "https://www.hellystar.com/en/burj-al-babas/", "date": "2019-07-19T07:52:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195526153.35/warc/CC-MAIN-20190719074137-20190719100137-00299.warc.gz", "language_score": 0.9844034910202026, "token_count": 465, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__63627578", "lang": "en", "text": "Credit : Adem Altan\nLocated in Turkey in the village of Mudurnu nestled in the mountains of the Bolu region, “Burj al-Babas” has the particularity, as mentioned in our introduction, of being composed in an unusual way of castles.\nThis ambitious construction project was launched in 2014 by Sarot, which at the same time was also on other construction sites in this region located a little over 200 km from Ankara.\nWith the design of 731 castles whose architecture can be reminiscent of Chambord Castle in France, as well as the construction of a shopping centre, the “Burj al-Babas” project seemed at the time to have as its guiding principle the ambition to attract people, even foreign investors. According to some sources, the vast majority of these buyers are from the Gulf country.\nIn fact, the Turkish government of Erdogan, after a period of growth, had set itself the objective, particularly following a decline in the Turkish lira and diplomatic tensions with the United States, of making the construction sector “the nerve of war” of its policy. This is how colossal projects such as “Burj al-Babas” were born.\nHowever the Mudurnu site will very quickly be completely abandoned like many others in the region. Indeed and despite the work provided by the Sarot company, it is unable to find buyers for their castles. Worse still, it also has to deal with abandoned sales of 351 homes priced between $400,000 and $500,000. The main reason would come from customers who, after acquiring their new place of residence, very quickly found themselves unable to ensure payment for it. Another possibility mentioned was the fall in oil prices, which could very well have hampered the finances of investors in the Gulf country.\nFaced with this crisis situation, Sarot had no choice but to ask the government to be placed under bankruptcy. It was very quickly joined by other construction companies with the same problems as “Burj al-Babas”.\nThis is how this fairytale village was left and still is today abandoned and looks more like a horror movie setting to some people’s taste.Credit featured image : Adem Altan", "domain": "finance"}
{"url": "https://developer.tomtom.com/pricing/migration-guide", "date": "2023-09-29T13:03:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510516.56/warc/CC-MAIN-20230929122500-20230929152500-00016.warc.gz", "language_score": 0.9842512011528015, "token_count": 135, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__88647952", "lang": "en", "text": "ON THIS PAGE\nWhat happened to the credits I had before June 8, 2021?\nAs of June 8, your remaining credits have been automatically converted to a monetary amount of equivalent value. You can check your current balance here.\nI had a recurring payment option. How was my new recurring payment amount determined?\nTo make sure there are no unexpected expenses, we have moved you to a recurring prepaid package that is less than or equivalent to what you were paying before. Your recurring payment settings stayed as they were, but the frequency of payment might have changed, depending on what new prepaid package applies to your situation. You can check and change your current payment settings here.", "domain": "finance"}
{"url": "https://recas.ru/living-in-russia/", "date": "2023-06-02T22:04:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224648858.14/warc/CC-MAIN-20230602204755-20230602234755-00768.warc.gz", "language_score": 0.9483640789985657, "token_count": 748, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__101325264", "lang": "en", "text": "Living in Russia\nLiving in Russia is quite affordable and spending from 200 US$ to 400 US$ a month is enough for a comfortable life for an individual student. St. Petersburg and Moscow are well-known for being the most expensive cities to live in.\nFinding student accommodation in Russia, however, requires keeping a few key particularities in mind. It is crucially important to find the best variant within your budget, because the wise choice of the place of stay has a direct impact on your academic achievements. The most popular accommodation options for international students are:\nUniversity Dormitory – is considered to be the most affordable option. University dormitories range from 30 US$ to 780 US$ per month and are often cheaper than private rentals with prices set by your institution. University dormitories always come with a shared kitchen and bathroom. The dorms are furnished, usually located on campus, and often near cafes and sports facilities. With many international students opting for dormitory accommodation, the option may give you more possibilities to socialise with other students.\nPrivately Rented Apartment – is more expensive, but there is a good likelihood that you will find the best location and the level of comfort that suits you. Many students recommend staying in a dorm for the first few months before moving into a private accommodation. RECAS representatives will help you with finding private accommodation, going through your university or a realtor is the best way to find secure and fast lodging!\nHomestay – is a common accommodation option for international students who want to live with host families. It may cost slightly more than university dormitories. Homestays provide a great opportunity for you to be completely immersed in both the Russian language and culture.\nAccommodation in cheap student hostels with private facilities (toilet and shower in the hallway) costs from 20 US$ to 30 US$ per night.\nEat, drink in the cafe: on purchases related to food, you will spend from 40US$ to 80US$ per week. The cafe serves a good three-course dinner for 20US$. If you dine in the cafe on weekdays, three meals cost about 15 US$.\nEvening entertainment: A movie ticket costs 10 US$, if the film comes in English, but you can watch movies in Russian for 5 US$. Tickets to a theater, opera or ballet are 30 US$, but for the good places you have to pay 70 US$ and above. The entrance to museums and galleries is from 1 to 10 US$, depending on possible discounts. For the entrance to the clubs you need to pay from 5 US$ to 10 US$ as a club entrance fee.\nPublic transport: Metro tickets cost from 24 US$ to 36 US$ per month. Tickets for buses, trams and trolley buses cost between 0.5 US$ to 0.9 US$ per trip, regardless of the length of the route.\nExcursions: From Moscow you can ride to the nearest city of the Golden Ring for one day. This trip will cost you 15 US$ or 20 US$. A train ticket, if you are going to travel within Russia, is inexpensive ( tickets from Moscow to St. Petersburg cost about 15 US$ to 20 US$).\nClothing: it is worth buying winter clothes (hats, scarves, coats, shoes) in Russia. It is cheaper than in the Western countries, and is more suitable for the Russian climate.\nHere’s some overall averages for the cost of living in Russia in terms of some common student expenses: Meal 8 US$, Coffee 2 US$, Cinema Ticket 5 US$, Monthly rent 247 – 356 US$, Monthly Transport 27 US$.", "domain": "finance"}
{"url": "https://www.thinksport.org/en/pages/regional-economic-development-agencies-codev-981", "date": "2019-08-18T11:48:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027313803.9/warc/CC-MAIN-20190818104019-20190818130019-00417.warc.gz", "language_score": 0.9366389513015747, "token_count": 182, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__67879537", "lang": "en", "text": "We are here to help you in any way we can, and there is a wealth of administrative support available within our City, our state, and throughout Switzerland. To understand the organisations and opportunities at your disposal, click on a box below for additional information.\nRegional Economic Development Agencies (CODEV)\nRegional Economic Development Agencies are local host platforms that help companies set up, settle, and thrive in the region. The agencies are made up of private members and public agencies that provide most of the financing.\nThese local organisations provide guidance, information services, advice and support in the areas of economic promotion, enterprise creation, and business development.\nThey support entrepreneurs in their dealings with cantonal and municipal government agencies, orienting them toward the organisations best suited to respond to their specific business needs. They create regional development strategies and manage a database of commercial land and premises in their territory.", "domain": "finance"}
{"url": "https://friendsofchiddsurgery.org/donate/", "date": "2022-12-08T01:55:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711232.54/warc/CC-MAIN-20221208014204-20221208044204-00484.warc.gz", "language_score": 0.838357150554657, "token_count": 450, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__91147516", "lang": "en", "text": "You can donate by internet transfer, cheque or using one of the collecting boxes scattered round the area. Or donate at no cost to you, through Amazon!\nBY INTERNET TRANSFER\nOur NEW bank details are:\nAccount name: FRIENDS OF CHIDDINGFOLD SURGERY\nSort code: 30-98-97\nAccount number: 71746863\nIf you pay by direct transfer, please contact us if you would like an acknowledgement.\nSend cheques payable to the Friends of Chiddingfold Surgery to\nFriends of Chiddingfold Surgery\nSurrey GU8 4QP\nGIFT AID ON BANK DONATIONS\nIf you are a tax payer, please consider using Gift Aid as this means we can reclaim from HMRC 25p for every £1 you donate. Rest assured that any personal information you provide to us will be carefully safeguarded and used only to process the Gift Aid claim in accordance with HMRC rules.\nGift Aid declaration\nBY CASH OR CARD\nThere are collecting boxes in:\n- Chiddingfold Surgery\n- Roberts Stores in Chiddingfold: who will take credit card donations. Ask in the Stores.\n- The Shop in Dunsfold: if you don’t have any change for our collection box, the Shop will do a cash-back – just say that you want cash to donate to the Friends!\n- Broken Spur Garage on the A283 (next to The Mulberry)\nThe Friends are registered with Amazon Smile, so you can support us at no cost to yourself if you’re making a purchase on Amazon.\n- A small window will pop up asking if you want Amazon to make a donation to a charity on your behalf. You can then nominate the Friends and a small donation will be made by Amazon.\n- Or you can go directly to https://smile.amazon.co.uk/ch/1080617-0 to register.\nContact: email firstname.lastname@example.org", "domain": "finance"}
{"url": "http://mymetrotalk.com/", "date": "2016-07-27T11:30:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257826773.17/warc/CC-MAIN-20160723071026-00131-ip-10-185-27-174.ec2.internal.warc.gz", "language_score": 0.9733803272247314, "token_count": 668, "dump": "CC-MAIN-2016-30", "global_id": "webtext-fineweb__CC-MAIN-2016-30__0__27012708", "lang": "en", "text": "Whether you are a new start up trucking company or you have been in business for 50 years, most logistics companies use Freight Bill Factoring to help with the cash flow needs to cover their day-to-day expenses such as fuel, toll, insurance, maintenance, payroll and the like. If you are considering this for your trucking company you have likely spoken with others about the benefits and drawbacks to using this type of service.\nWhile speaking with others about the idea is good I would like to add some objective points for you to also consider before signing up with a company for your Freight Bill Factoring Service.\n1. Be sure the funder is available to you. The last thing you want is to have a company that you cannot reach when you needed to speak with them. It is your money and your income that is being leveraged or in other words, the “life blood of your company” is at stake – be certain they are available to you when you need them.\n2. Will the funder be funding you on a schedule that is acceptable to you? Some funders will fund you same or next day on the invoice that has been submitted for Freight Bill Factoring. Some will wait a week to do it or require a minimum value to process them in batches. Again, this is the “life blood of your company”, will they be doing you a service, or disservice?\n3. Does the funder have a drop-box on your routes that you can submit your invoices or can you email or fax them in? Some companies require original invoices and if they do not have drop-boxes on your routes, it can delay the submission of your invoices until you can get somewhere to send them in. If they do not need originals then you can fax or email them in on the road which may be a better solution for you.\n4. Does the funder have a good grasp on the trucking business? There are many finance companies that can advance on invoices but if they do not have a dedicated team specifically for trucking, how likely are they to understand the nuances of your business?\n5. Does the funder have the capacity to fund your logistics company without interruptions? You need to be sure the company you deal with has the financial capacity so that when your invoices are sent into them, they will be able to do the needful and fund you as they say they will. The last thing you will want is for them to have to wait to receive payments from other invoices in order to send out your advances on your invoices\n6. Can the factoring company service all or at least most of your customers? Some funders will not fund international invoices and if you ship internationally, this can be a real problem. They may want to carve out those international customers you have and not advance on them. Can you afford this or not? This is a question you need answer.\nFreight Bill Factoring can certainly help your business and at the same time, partnering with a finance company that cannot meet your needs and expectations can severely hurt you. Ask questions and verify the answers before you sign up and do not be afraid to ask around.", "domain": "finance"}
{"url": "https://northernreview.org/2023/10/13/fact-check-budget-appropriations/", "date": "2023-11-29T02:01:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100047.66/warc/CC-MAIN-20231129010302-20231129040302-00230.warc.gz", "language_score": 0.940787136554718, "token_count": 347, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__103882164", "lang": "en", "text": "Recently, an email sent to student organization presidents claimed the following:\nIn order to be eligible for 2024 Budget Appropriations, every group will be required to track attendance at a minimum of 5 events (chapter, general assembly, service events, etc.) during the 2023-2024 academic year to be eligible to receive funding from the Senate.Email sent to Campus Organization Presidents\nAdditionally, a similar claim was made during budget appropriations earlier this year, under the heading “Senate Bylaws”:\nThese claims are VERY MISLEADING.\nThis provision is not in Senate’s regular bylaws or the Finance bylaws. If you would like to read them, the regular bylaws are here and the finance bylaws are here. In the event these documents are edited, updated, or restricted, Northern Review-hosted copies of the bylaws as of October 13, 2023 are here and here.\nStudent Senate’s budget appropriations are made at the discretion of the Treasurer and the Finance Committee, and are subject to approval by the elected members. By the time the 2024-2025 academic year budget appropriations are dispersed, a new Student Body President and Treasurer will be in power, and they may or may not agree with this policy. A new contingent of college representatives will have been elected, and depending on when budget appropriations are finalized, new housing representatives may or may not have been elected.\nWhile it is technically possible that the 2024-2025 Student Senate budget appropriations only give money to student organizations which have submitted attendance records for five Northern Network–approved events, this is NOT a provision of Student Senate’s bylaws, and leadership at the time may not endorse the policy.", "domain": "finance"}
{"url": "https://qcchristianschools.org/donate/", "date": "2024-04-14T01:56:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816863.40/warc/CC-MAIN-20240414002233-20240414032233-00415.warc.gz", "language_score": 0.9660583138465881, "token_count": 146, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__149448370", "lang": "en", "text": "Support Quad Cities Christian School\nQCCS is a non-profit school. The cost of tuition does not cover all the operating costs of the school. We rely on the generosity of the Christian community to meet the remainder of our needs. We have many churches represented by our parents, students, and faculty at Quad Cities Christian School.\nWe often experience a need for a financial increase to help meet our budget. We’re reaching out to the faithful supporters of our school to encourage you to consider a tax-deductible gift to QCCS.\nTogether we can carry on with not only meeting our students’ educational needs but also with meeting their spiritual needs and helping them develop their walk with the Lord.", "domain": "finance"}
{"url": "https://booksthroughbarsnyc.org/donate/funds/", "date": "2023-09-23T01:21:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506429.78/warc/CC-MAIN-20230922234442-20230923024442-00793.warc.gz", "language_score": 0.9587755799293518, "token_count": 430, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__279059003", "lang": "en", "text": "NYC Books Through Bars would not exist without the help of people who donate money for postage, which is what the majority of our funds are spent, as we are a group run entirely by volunteers (with a donated space and donated books). We are a 501(c)(3), which means that all donations to Books Through Bars can be tax deductible. You can donate using PayPal or via check at the address below.\nWe have been told time and time again that we are people’s only source of reading materials, as libraries in prisons are severely underfunded or even nonexistent, and because many people in prison are indigent and do not have funds to purchase materials themselves. We have also been told that whatever we send gets shared between many people, as books in prison are greatly valued.\nWe send our packages via media-mail. It currently costs $3.92 to mail a 1-lb. package, $4.67 to mail a 2-lb. package, and $5.42 to mail a 3-lb. package.\nWith these prices, on average it costs about:\n- $20 to send packages to around 4 people\n- $40 to send packages to around 8 people\n- $60 to send packages to around 13 people\n- $80 to send packages to around 17 people\n- $100 to send packages to around 22 people\nTO DONATE VIA POSTAL MAIL\nMake checks payable to NYC Books Through Bars, and send to:\nNYC Books Through Bars\nc/o Freebird Books\n123 Columbia St.\nBrooklyn, NY 11231\nTO DONATE IN SOMEONE’S NAME\nIf you would like to donate in someone’s name, we will mail a personalized card to the recipient. After making your donation via check or PayPal, send us an email at firstname.lastname@example.org with the following information:\n- method of donation (online or postal mail)\n- the recipient’s name and full address\n- if there is a special note you would like included", "domain": "finance"}
{"url": "https://hrelp.org/cpi-u-s-inflation-to-40-year-high-of-8-6/", "date": "2022-12-03T09:57:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710926.23/warc/CC-MAIN-20221203075717-20221203105717-00122.warc.gz", "language_score": 0.9088019132614136, "token_count": 699, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__97063661", "lang": "en", "text": "Consumer Price Index (CPI): Inflation in the U.S. in May hit a high of up to 8.6% in 40 years since 1981. The cost of living rose 1% in May due to higher rents, gas and food prices, pushing US inflation to a 40-year high of 8.6% and making it harder for Americans to make ends meet.\nThis morning, the Bureau of Labor Statistics (BLS) released the May Consumer Price Index. The index for all commodities rose 8.6% for the previous year, the biggest 12-month increase since the December 1981 period.\nChanges due to Inflation\nThe energy index rose by 3.9%, according to new CPI data. The energy Index grew by 34.6% over the previous year. Gasoline, one of the commodities of daily need, is rising by 4.1%. The food index rose 1.2% in May and the Food at Home indexes rose 1.4%. The food index is up 10.1% over last year.\nHuge fall in share prices\nUS shares opened with a fall today due to CPI. The S&P 500 fell 1.5% shortly after the opening bell. The Dow Jones Industrial Average dropped 483 points or 1.5%, and the Nasdaq Composite dropped 1.8%.\nThe fall in airline stocks after inflation data reflects rising fares. Inflation data showed airline stocks fell after a hike in fares in May.\nFriday’s consumer-price inflation data showed the airline fares index rose 12.6 per cent in May, up from 18.6% in the previous month. The shares of Southwest were down 3.8%, Alaska Air 3.2% and American Airlines 2.4%. The S&P 500 was up about 2.7%.\nDollar Jumps After New Inflation (CPI) Data\nThe WSJ Dollar Index, which measures the dollar against a hamper of 16 currencies, rose 0.7% to nearly 96.73. The US dollar index, another index investors track, rose nearly 1.0%.\nGold Rises After The Release Of Inflation Data\nGold prices rose this morning as May inflation data indicated prices hit a new four-decade high. The most actively traded gold futures, which were down 1% before the Labor Department’s morning declaration, recently rose 0.4% to $1,859.50 per troy ounce.\nThe yield on the 10-year Treasury recently traded at 3.137%, compared to 3.041% on Thursday. Higher returns on government bonds can make gold, which doesn’t pay investors a fixed income just for owning the yellow metal, less attractive to hold.\nAll the indices are rising due to new data of Consumer Price Index US May 2022.\n|Used Vehicle Prices||16.1%|\n|New Vehicle Prices||1%|\n|Interest Rate||2.75%-3% (expected)|", "domain": "finance"}
{"url": "https://altaasis.sa/blog/step-by-step-process-to-obtain-misa-license-in-saudi-arabia/", "date": "2023-12-06T13:56:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100599.20/warc/CC-MAIN-20231206130723-20231206160723-00097.warc.gz", "language_score": 0.9205946326255798, "token_count": 788, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__31378741", "lang": "en", "text": "Step-by-Step Process to Obtain MISA License in Saudi Arabia\nWe understand the complexity of business expansion and the role of local laws and regulations. Our blog post will help you navigate the MISA investor journey and how to get through the business setup process in Saudi Arabia.\nGetting MISA License\nAs a foreigner, you must get MISA License to start your business in Saudi Arabia. Through a MISA Investor License, you get full ownership of your business and can operate freely across Saudi Arabia. Your preference for economic activity decides which type of license you need for your business. We help you get your investor license conveniently.\nDifference between SAGIA and MISA\n|The Saudi Arabian General Investment Authority (SAGIA) is the former name of the Ministry of Investment Saudi Arabia (MISA). The Kingdom established SAGIA in 2000, which was responsible for attracting investment and licensing for local and global investors.||SAGIA was fully transformed into a ministry in 2020 and renamed as MISA (Ministry of Investment Saudi Arabia), which is solely responsible for issuing investment licenses to foreign investors and overseeing foreign investment into the Kingdom.|\nTypes of Legal Entities in Saudi Arabia\n- Limited Liability Co (LLC)\n- Limited Liability One-Person Company\n- Joint Stock Company\n- Foreign Company Branch\n- Solidarity Professional Company\nDifference between Branch and Subsidiary\n|A branch is established at a different location to increase business coverage. It is an extension of the parent organization to conduct the same business operations as the parent company. The branch has no separate legal standing, and it reports to the head office of the company.||While on the other hand, a subsidiary is considered a separate legal entity from its holding company. The subsidiary is free to conduct its business operations, and it is not mandatory to undertake the same operations as its holding company.|\nStep 1: Company Structure\nIt is always advised to obtain expert legal advice when deciding on your legal entity in Saudi Arabia. The right selection of company structure and careful planning can help your business grow fast.\nStep 2: Documentation\nBefore applying for the MISA license, there are prerequisites that you must fulfil. Our team guides you regarding the required documents and helps you with the documentation process.\nStep 3: Name Reservation\nIf you choose to set up a branch in Saudi Arabia, you will get a license in Saudi Arabia with the same name as the parent company. Subsidiaries get to choose the same trade name with an append word. Our team guide you through carefully selecting names that mirror your brand.\nStep 4: Drafting the Articles of Association\nWe help you draft the Articles of Association for your MISA-licensed company. Our operations team guides you through the detailed decision-making and ensures the local documentation align with your growth plans.\nDifference between Memorandum of Association and Articles of Association\n|Memorandum of Association||Articles of Association|\n|A Memorandum of Association (MoA) is a legal statement signed by all shareholders agreeing to establish the company.||Articles of Association (AoA) is a document containing operational rules about running the company.|\nStep 5: Commercial Registration (CR) Issuance\nGetting your Commercial Registration (CR) is the most crucial part of being officially registered in Saudi Arabia and with MISA. After getting your MISA license and getting your Articles of Association, we proceed to issue your Commercial Registration.\nAl Taasis is Your Trusted Gateway to Saudi Business Setup!\nAfter going through the detailed process, you will have a clear roadmap. We simplify your entire business setup process with our comprehensive services. We will be delighted to assist you further with your business incorporation process.\nInitiate your business journey with Al Taasis to mitigate risk, stay compliant and accelerate your success.", "domain": "finance"}
{"url": "https://mydoris.co.uk/products/my-doris-digital-gift-card", "date": "2022-06-27T03:18:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103324665.17/warc/CC-MAIN-20220627012807-20220627042807-00086.warc.gz", "language_score": 0.8429428935050964, "token_count": 111, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__245652309", "lang": "en", "text": "My Doris Digital Gift Card\n-Available in denominations of £10 | £25 | £50 | £100.\n- Cannot be replaced for cash or credit on account.\n- A refunded gift card will go back to the gift card purchaser on the method they bought the gift card.\n- Expires after 12 months from date of purchase.\n- Can be fully or partially redeemed.\n- Discount codes cannot be applied to gift cards.\n- Voucher can be redeemed by entering the code on the My Doris checkout page", "domain": "finance"}
{"url": "https://www.migrationexpert.com.au/blog/australian-taxation-finance-guide/", "date": "2024-04-22T18:28:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818337.62/warc/CC-MAIN-20240422175900-20240422205900-00034.warc.gz", "language_score": 0.9422897100448608, "token_count": 1025, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__12135723", "lang": "en", "text": "Moving to a new country is an exciting adventure, but it can also be overwhelming. As a new migrant in Australia, it’s essential to understand the tax system and how to manage your finances effectively. In this guide, we’ll cover the basics of taxation and finances in Australia to help you settle in smoothly and make informed decisions about your financial future.\nUnderstanding the Australian Taxation System\nOne of the first things you’ll need to do as a new migrant is familiarize yourself with the Australian taxation system. Australia uses a progressive tax system, which means that the more you earn, the higher your tax rate. Here’s an overview of the key elements:\nTax File Number (TFN)\nA Tax File Number (TFN) is a unique 9-digit number issued by the Australian Taxation Office (ATO) to individuals and businesses. It’s used to track your tax obligations and is required when starting a job, opening a bank account, or applying for government benefits. You can apply for a TFN online once you arrive in Australia.\nAs a resident for tax purposes, you’re required to pay income tax on your worldwide income. This includes salary, rental income, investment income, and capital gains. The Australian financial year runs from July 1st to June 30th, and you must lodge an annual tax return during this period. Income tax rates vary depending on your income level, with higher earners paying a higher percentage of tax.\nGoods and Services Tax (GST)\nAustralia has a Goods and Services Tax (GST) of 10% on most goods, services, and other items sold or consumed in the country. Some exceptions include basic food items, education, and healthcare services. As a consumer, you’ll usually find that the prices displayed include GST.\nOpening a Bank Account\nHaving a local bank account is essential for managing your finances in Australia. You can choose from several major banks, such as Commonwealth Bank, Westpac, ANZ, and National Australia Bank (NAB), as well as smaller banks and credit unions. To open an account, you’ll need to provide identification documents, such as your passport and visa, and your TFN if you have one.\nTypes of Bank Accounts\nThere are various types of bank accounts available, including:\n- Transaction accounts: Also known as everyday or checking accounts, these are used for day-to-day transactions like receiving your salary, paying bills, and making purchases with a debit card.\n- Savings accounts: These accounts offer higher interest rates than transaction accounts, making them suitable for saving money and building an emergency fund.\nManaging Your Superannuation\nSuperannuation, or “super,” is a long-term savings plan designed to provide income for your retirement. In Australia, employers are legally required to make contributions to your superannuation fund, typically at a rate of 10% of your salary. As a new migrant, it’s essential to understand how super works and choose a suitable fund.\nThere are various types of super funds, including industry funds, retail funds, and self-managed super funds. Each fund has its own investment options, fees, and performance history.\nTo choose the right super fund, consider factors such as fees, investment options, performance, and insurance coverage. Once you’ve selected a fund, provide your employer with your chosen fund’s details so they can make contributions on your behalf. Keep in mind that you can consolidate your super into a single fund if you change jobs or have multiple funds to avoid paying unnecessary fees.\nBuilding a Budget and Saving for the Future\nCreating a budget is a crucial step in managing your finances effectively. A budget helps you track your income and expenses, set financial goals, and identify areas where you can save money. Here are some tips for building a budget:\n- Identify your sources of income, including salary, investment income, and government benefits.\n- List your essential expenses, such as housing, utilities, groceries, and transportation.\n- Include discretionary expenses, such as entertainment, dining out, and shopping.\n- Set aside a portion of your income for savings, investments, and an emergency fund.\n- Regularly review your budget and adjust as necessary to stay on track.\nBy following a budget and saving money, you’ll be better prepared for your future in Australia, whether that involves buying a home, investing, or planning for retirement.\nUnderstanding the Australian taxation system and managing your finances effectively is crucial for a successful transition as a new migrant. By familiarizing yourself with the tax system, opening a bank account, managing your superannuation, and creating a budget, you’ll be well on your way to building a secure financial foundation in your new home. If you need assistance with your migration journey, book a consultation with one of our expert Migration Consultants to ensure a smooth and successful transition.", "domain": "finance"}
{"url": "https://www.northoaklandmichigandivorcelawyer.com/free-article-index/qdros", "date": "2024-02-23T14:32:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474412.46/warc/CC-MAIN-20240223121413-20240223151413-00594.warc.gz", "language_score": 0.9643842577934265, "token_count": 1078, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__147379629", "lang": "en", "text": "I am a family law attorney, also known as a divorce lawyer, in the Rochester Hills area of Oakland County Michigan. I recently had a discussion with Mr. Robert Treat of QDRO Express regarding an interesting and novel way of using a Qualified Domestic Relations Order (QDRO) that he proposed.\nTypically a QDRO is used to divide a qualified retirement plan when parties get divorced. Retirement plans, even though named or earned through the employment of one spouse, are considered marital property to be divided. Typically they are divided equally by the parties. In order to divide the plans, the court will enter a QDRO which then goes to the plan administrator who will then essentially create two separate accounts, one for the employee spouse, typically called the participant, and one for the other spouse, typically called the alternate payee.\nMay a court or a family law attorney use a QDRO to create a lien on the participant or alternate payee spouse's share of the retirement to enforce a financial obligation owed as a result of the divorce judgment?\nThe standard answer would be no, one cannot create a lien against a person's qualified retirement plan or benefits. However, that is not really true. In the case of a divorce the QDRO can be used in this manner to enforce such an obligation.\nThe best way to discuss this is probably to use an example. Say that a spouse is ordered to assume a credit card debt of $20,000 that is jointly titled in the name of both parties, call that spouse the “paying” spouse. The paying spouse is ordered to pay that within three (3) years of the divorce. However, given the lack of trust on the part of the other spouse (non-paying spouse), he or she is rather concerned that the other spouse will not pay the bill or file for bankruptcy. I know, hard to imagine that there is a lack of trust between parties going through a divorce.\nIf the paying spouse does not pay or files for bankruptcy, then the credit card company has the right to seek payment from the non-paying spouse and will probably sue the non-paying spouse for the balance of the debt, plus interest and attorney fees. The credit card company is not bound by the judgment of divorce and in the case of a bankruptcy the non-paying spouse may have no recourse against the paying spouse.\nOne innovative way to protect the non-paying spouse is to use a QDRO to create a lien against the paying spouse's share of the retirement accounts after it has been divided by the original QDRO. That is to say, first use a QDRO to split the retirement account into two separate accounts and then use a second QDRO (authorized by the judgment of divorce) to create a lien against the paying spouse's separate share of the original retirement account.\nThis can be done because the QDRO is issued incident to a divorce judgment or separation agreement and therefore it is an exception to the rule that one may not create a lien against such an account. The family law attorney, divorce lawyer, would have to indicate in the judgment that the non-paying spouse should have a lien against the paying spouse's share of the retirement accounts that may be accomplished through the use of a QDRO.\nThe language of the judgment and the QDRO should be specific. In this example, one would indicate that the non-paying spouse has a lien and security interest in the paying spouse's share of the retirement account to secure payment as well as any interest and penalties within three (3) years from the date of the judgment of divorce (use the actual date). This is the language that is the mechanism by which the lien is created.\nIf the paying spouse has not paid that amount in full within three (3) years, the non-paying spouse may request that the family law court issue an order that the paying spouse has defaulted and said order shall include the amount that is in default. It should indicate what the non-paying spouse must provide the court to obtain this order and that the court shall issue the order immediately upon this proof being provided to the court. The non-paying spouse then sends this order to the plan administrator and the plan transfers the proper amount to the non-paying spouse out of the paying spouse's share of the retirement benefits.\nFinally, the judgment should contain a release clause for when the lien created by the QDRO will be released so that the paying spouse may start withdrawing funds from his or her share of the retirement accounts.\nThis approach works on many different levels. If the paying spouse files for bankruptcy, then most likely the lien will not be discharged in bankruptcy. The paying spouse cannot take a loan against the account in the meantime nor withdraw funds from the account. The non-paying spouse does not have to seek to collect from whatever remaining assets the paying spouse has left to indemnify the non-paying spouse for this debt. Finally, it streamlines the process for the non-paying spouse to obtain relief in these all too common situations. This can also be used to secure spousal support (alimony) payments, child support obligations or any other type of financial obligation that might be created in a judgment of divorce.", "domain": "finance"}
{"url": "https://mynwarealtor.com/lower-your-home-insurance-costs", "date": "2023-12-04T13:55:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100529.8/warc/CC-MAIN-20231204115419-20231204145419-00128.warc.gz", "language_score": 0.9418582916259766, "token_count": 338, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__227715818", "lang": "en", "text": "There are some simple steps you can take to lower your home insurance costs.\nYou can’t buy a home without purchasing insurance first, but that doesn’t mean you’re stuck with the insurance provider you’re currently with. Make sure you compare different companies and find the best deal. Check consumer guides, ask friends and neighbors and search online insurance quote services, which will give you an idea of price ranges and tell you which companies have the lowest prices.\nBundle your insurance\nMany insurance companies will offer discounts if you package multiple policies, such as your car, boat and home insurance. On average, one can save 5 to 15 percent.\nInstalling carbon monoxide detectors, smoke detectors and alarm systems can reduce your monthly bill, but you need to let your insurance agent know about any changes you make. Also, ask your insurance agent what steps you can take to make your home more resistant to natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials.\nIncrease your deductible\nBy raising your deductible, your monthly costs can decrease as much as 5 to 10 percent.\nIt’s not necessary to insure a house for the amount it was purchased for. Even if your house were to completely burn down, you’d still have the land, so consider that when deciding the total amount you need to insure. A good insurance agent will be able to help you calculate the proper replacement cost of the house.\nIt’s also wise to talk with your real estate agent and see if they have any thoughts on how to lower the cost.", "domain": "finance"}
{"url": "https://paradiseagency.com/sample-page/payment-options/", "date": "2023-12-05T08:57:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100550.40/warc/CC-MAIN-20231205073336-20231205103336-00773.warc.gz", "language_score": 0.9180629849433899, "token_count": 137, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__72517504", "lang": "en", "text": "Paradise Agency, LLC provides current residents several options for easy and timely rent payments.\nVisit our location during business hours:\nWeekdays: 8 am – 5 pm\nClosed Saturday and Sunday\nPayment by mail:\nParadise Agency, LLC\nP.O. Box 175\nColchester, Connecticut 06415\nPayment by credit card:\nCall us at (860) 537-7044\nWe accept all major credit cards and debit cards\nBe sure to have your credit card or debit card handy when you make the call. We will be happy to mail you your payment receipt if you request it at the time of your call.", "domain": "finance"}
{"url": "https://www.rittenhouselaw.com/practice-areas/", "date": "2023-12-04T03:04:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100523.4/warc/CC-MAIN-20231204020432-20231204050432-00536.warc.gz", "language_score": 0.9459364414215088, "token_count": 167, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__159325941", "lang": "en", "text": "Rittenhouse Law represents developers, investors, family offices and privately held companies in a wide variety of commercial real estate transactions. Our attorneys have extensive experience representing clients in the acquisition, disposition, leasing, development, financing, and construction of projects across a multitude of asset classes, including residential, office, retail, industrial, condominium and senior housing. Our team regularly structures sophisticated joint ventures, partnerships and historic tax credit deals.\nRittenhouse Law represents banking institutions and private lenders in the financing of commercial real estate, including acquisition, construction and permanent debt, as well as mezzanine, bridge and other structured finance products. Our lawyers routinely represent banks and lenders in business banking, warehouse lending and similar facilities. Our firm also counsels financial institutions in creditor’s rights, and the workout and restructuring of debt instruments.", "domain": "finance"}
{"url": "https://canyonplumbers.com/financing/", "date": "2023-11-29T05:40:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100056.38/warc/CC-MAIN-20231129041834-20231129071834-00368.warc.gz", "language_score": 0.938749372959137, "token_count": 246, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__252487804", "lang": "en", "text": "Why Finance Your Next Service?\nWhile most routine plumbing, heating, and evaporator cooling services can typically be paid outright and out of pocket, there may be bigger services that are just as important, but require more of an investment. That’s when our flexible financing options come in handy!\nFinancing is especially helpful for major projects like bathroom remodels, whole-home repiping, and boiler replacement. When you need a toilet replaced or heat installed in the middle of winter, financing can help you get the services you need as soon as you need.\nFlexible financing through Wisetack\n- Short application-takes just a minute to see your options\n- Checking your options does not affect your credit score\n- Terms from 3 to 60 months\n- APR from 0% to 29.9%\n- No prepayment penalties, origination fees, or compounding interest\nExample: a $2,000 purchase could cost $90.40 a month for 24 months, based on a 7.9% APR. All loans are subject to credit approval. Your terms may vary. Wisetack loans are issued by Hatch Bank. See wisetack.com/faq", "domain": "finance"}
{"url": "https://clubvolvo.ro/de-ce-opiunea-de-vanilie-712067.php", "date": "2021-12-05T17:59:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363215.8/warc/CC-MAIN-20211205160950-20211205190950-00577.warc.gz", "language_score": 0.7509655952453613, "token_count": 2427, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__172730923", "lang": "en", "text": "Dar opțiunea iq opțiune binară în Optiuni\nOption contracts traded on futures exchanges are mainly American-style, whereas those traded over-the-counter are mainly European. Nearly all stock and equity options are American options, while indexes are generally represented by European options.\nCommodity options can be either style.\nDacă crezi că acest mesaj a fost afișat din greșeală, te rugăm să ne scrii la support iqoption. Sistemul de asistență pentru clienți cuprinde și oferă o calitate superioară clienților care ar avea nevoie de aceasta. Informații despre broker opțiune IQ Măsura de criptare nu ar crea nicio formă de complicație pentru clienți, dar ar face extrem de dificilă și imposibilă efectuarea de acțiuni neautorizate în contul dvs. IQ Opțiune El a avut grijă de confortul utilizatorilor intrări cu valoare estimată ridicată tranzacționare criptografică deja la începutul întâlnirii. Pentru comercianții care rulează contul real și care caută un upgrade la VIP, este de obicei un proces câștiga bani online de la domiciliu gratuit care de ce opțiunea de vanilie fi indicat tranzacționare live criptomonedă gratuită ce depozitul dvs.\nExpiration date[ edit ] Traditional monthly American options expire the third Saturday of every month. They are closed for trading the Friday prior.\nOption style - Wikipedia\nEuropean options expire the Friday prior to the third Saturday of every month. Therefore, they are closed for trading the Thursday prior to the third Saturday of every month.\n- Теперь у нее была другая функция: любой турист, входящий в собор, должен купить билет.\n- Opțiuni binare o tranzacție pe zi\n- Lumânare Parfumată Bicolor - Selectați opțiunea dvs Iasomie/Vanilie\n- Tehnologii elementare pentru tranzacționarea opțiunilor\n- И пойдет на все, лишь бы эта информация не вышла из стен Третьего узла.\n- Сьюзан шумно вздохнула.\nDifference in value[ edit ] Assuming an arbitrage-free market, a partial differential equation known as the Black-Scholes equation can be derived to describe the prices of derivative securities as a function of few parameters. Under simplifying assumptions of the widely adopted Black modelthe Black-Scholes equation for European options has a closed-form solution known as the Black-Scholes formula.\nIn general, no corresponding formula exist for American options, but a choice of methods to approximate the price are available for example Roll-Geske-Whaley, Barone-Adesi and Whaley, Bjerksund and Stensland, binomial options model by Cox-Ross-Rubinstein, Black's approximation and others; there is no consensus on which is preferable.\nAn investor holding an American-style option and seeking optimal value will only exercise it before maturity under de ce opțiunea de vanilie circumstances. Owners who wish to realise the full value of their option will mostly prefer to sell it on, rather than exercise it immediately, sacrificing the time value.\nFeatures[ edit ] A straight call or put option, either American or Europeanwould be considered non-exotic or vanilla option.\nIf it is worth more, then the difference is a guide to the likelihood of early exercise. In practice, one can calculate the Black—Scholes price of a European option that is equivalent to the American option except for the exercise dates of course.\nThe difference between the two prices can then be used to calibrate the more complex American option model. To account for the American's higher value there must be some situations in which it is optimal to exercise the American option before the expiration date.\nThis can arise in several ways, such as: An in the money ITM call option on a stock is often exercised just before the stock pays a dividend that would lower its value by more than the option's remaining time value.\nA put option will usually be exercised early if the underlying asset files for bankruptcy. An American bond option on the dirty price of a bond such as some convertible bonds may be exercised immediately if ITM and a coupon is due. A put option on gold will be exercised early when deep ITM, because gold tends de ce opțiunea de vanilie hold its value whereas the currency used as the strike is often expected to lose value through inflation if the holder waits until final maturity to exercise the option they will almost certainly exercise a contract deep ITM, minimizing its time value.\nThis is intermediate between a European option—which allows exercise at a single time, namely expiry—and an American option, which allows exercise at any time the name is jocular: Bermudaa British overseas territoryis somewhat American and somewhat European—in de ce opțiunea de vanilie of both option style and physical location—but is nearer to American in terms of both. For example, a typical Bermudian de ce opțiunea de vanilie might confer the opportunity to enter into an interest rate swap.\nThe option holder might decide to enter into the swap at the first exercise date and so enter into, say, a ten-year swap or defer and have the opportunity to enter in six months time and so enter a nine-year and six-month swap ; see Swaption: Valuation. Most exotic interest rate options are of Bermudan style. Canary option[ de ce opțiunea de vanilie ] A Canary option is an option whose exercise style lies somewhere between European options and Bermudian options.\nThe name refers to the relative geography of the Canary Islands.\nTypically, the holder can exercise the option at quarterly dates, but not before a set time period typically one year has elapsed. The ability to exercise the option ends prior to the maturity date of the product. The term was coined by Keith Kline, who at the time was an agency fixed income trader at the Bank of New York.\nCapped-style option[ edit ] A capped-style option is not an interest rate cap but a conventional option with a pre-defined profit cap written into the contract.\n- Nu ai timp pentru a face bani\n- Tranzacționare opțiuni binare | Dukascopy Bank\n- Его план не сработал.\n- Дрожащей рукой он дал команду вывести на экран последнее сообщение.\n- Diferența dintre opțiunea binară și forex\n- Exotic option - Wikipedia\nA capped-style option is automatically exercised when the underlying security closes at a price making the option's mark to market match the specified amount. Compound option[ de ce opțiunea de vanilie ] A compound option is an option on another option, and as such presents the holder with two separate exercise dates and decisions. If the first exercise date arrives and the 'inner' option's market price is below the agreed strike the first option will be exercised European stylegiving the holder a further option at final maturity.\nShout option[ edit ] A shout option allows the holder effectively two exercise dates: during the life of the option they can at any time \"shout\" to the seller that they are locking-in the current price, and if this gives them a better deal than the payoff at maturity they'll use the underlying price on the shout date rather than the price at maturity to calculate their final payoff.\nDouble option[ edit ] A double option gives the purchaser a composite call-and-put option an option to either buy or sell in a single contract. This has de ce opțiunea de vanilie ever been available in commodities markets and have never been traded on exchange. Swing option[ edit ] A swing option gives the purchaser the right to exercise one and only one call or put on any one of a number of specified exercise dates this latter aspect is Bermudan.\nPenalties are imposed on the buyer if the net volume purchased exceeds or falls below specified upper and de ce opțiunea de vanilie limits. Allows the buyer to \"swing\" the price of the underlying asset.\nPrimarily used in energy trading. Evergreen option[ edit ] An Evergreen option is an option where the buyer has the right de ce opțiunea de vanilie exercise by providing a pre-determined period of notice. This option could be either American or European in nature or alternatively it could be combined with option styles that have non-vanilla exercise rights. Evergreen options provide sellers with a period of time to prepare for settlement once the buyer has exercised de ce opțiunea de vanilie rights under the option.\nEmbedding evergreen optionality within on and de ce opțiunea de vanilie sheet products can enable counterparties such as banks that must adhere to Basel III to lengthen their inflow or outflow obligations. The pricing of such options naturally needs to take into account FX volatility and the correlation between the exchange rate of the two currencies involved and the underlying stock price.\nQuanto option[ edit ] A quanto option is a cross option in which the exchange rate is fixed at the outset of the trade, typically at 1.\nExchange option[ edit ] An exchange option is the right to exchange one asset for another such as a sugar future for a corporate bond.", "domain": "finance"}
{"url": "https://www.dzconnex.com/blog/strategies-for-optimizing-your-workforce-costs-with-effective-payroll-management", "date": "2024-04-12T14:57:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816024.45/warc/CC-MAIN-20240412132154-20240412162154-00440.warc.gz", "language_score": 0.9093776941299438, "token_count": 700, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__129164773", "lang": "en", "text": "In today's competitive business landscape, optimizing workforce costs while maintaining efficiency and compliance is a balancing act that requires strategic planning and innovative solutions. Effective payroll management emerges as a critical component in this equation, offering businesses the leverage to streamline operations, reduce administrative burdens, and ensure a happy, motivated workforce. This article delves into the nuances of payroll management, highlighting the role of Managed Services Providers (MSPs) and introducing DZConneX as a pivotal player in transforming payroll processes.\nThe Essence of Effective Payroll Management\n1. Understanding Payroll Management's Impact on Workforce Costs\nPayroll management extends beyond mere calculation and distribution of wages; it's a comprehensive approach that encompasses tax withholdings, benefits administration, and compliance with labor laws. The efficiency of your payroll system directly influences your company's financial health, employee satisfaction, and regulatory compliance. An optimized payroll process ensures that your workforce costs are aligned with your financial goals, minimizing errors and delays that could lead to dissatisfaction or penalties.\n2. Strategic Payroll Planning to Reduce Overhead\n3. Leveraging Technology for Payroll Efficiency\nIn the digital age, leveraging technology is non-negotiable for optimizing payroll processes. Automated payroll systems can handle complex calculations, tax withholdings, and compliance requirements with precision and speed. These systems reduce the likelihood of human error and free up human resources for more strategic tasks. Additionally, modern payroll solutions offer employees self-service options, enhancing transparency and satisfaction by giving them direct access to their paystubs, tax documents, and benefits information.\n4. The Role of MSPs in Payroll Management\nDZConneX: A Catalyst for Payroll Management Excellence\n1. Comprehensive Payroll Solutions Tailored to Your Business\nDZConneX stands out as an MSP that offers customized payroll solutions designed to meet the unique needs of each business. By understanding the specific challenges and objectives of their clients, DZConneX delivers a tailored approach that optimizes payroll processes, reduces costs, and enhances compliance. Their expertise extends to managing diverse workforce models, including permanent employees, freelancers, and contractors, ensuring seamless integration into the overall payroll system.\n2. Technology-Driven Approach for Maximum Efficiency\n3. Ensuring Compliance and Reducing Risks\n4. Dedicated Support for a Seamless Payroll Experience\nAdvanced Strategies for Payroll Efficiency\nIntegration of Payroll with HR and Accounting Systems: Integrating payroll systems with human resources and accounting software can create a seamless flow of information, reduce data entry errors, and improve reporting capabilities. This integration ensures that changes in employee status, benefits enrollment, or time tracking are automatically updated in the payroll system, reducing manual intervention and increasing accuracy.\nAdoption of Cloud-Based Payroll Services: Cloud-based payroll solutions offer the advantages of accessibility, scalability, and security. Companies can access their payroll systems from anywhere, easily scale up as they grow, and benefit from advanced security measures provided by cloud service providers. Moreover, cloud-based systems are often updated to reflect the latest tax rates and regulatory requirements, ensuring compliance.\nRegular Audits and Process Reviews: Conducting regular audits of the payroll process can help identify inefficiencies, errors, or areas of non-compliance. These audits, whether conducted internally or by external experts, can lead to process improvements and ensure that the payroll system remains efficient and compliant with all relevant laws and regulations.", "domain": "finance"}
{"url": "https://www.mosaicgc.com/give/", "date": "2024-04-25T07:24:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712297290384.96/warc/CC-MAIN-20240425063334-20240425093334-00111.warc.gz", "language_score": 0.9239262342453003, "token_count": 660, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__8094739", "lang": "en", "text": "GIVING TO MISSIONS\nOne out of every ten dollars given to Mosaic Church goes to support missions, locally and around the world. We support groups that:\n- Plant churches internationally\n- Feed starving children\n- Minister to prison inmates\n- And more!\nYour gift is not only making a difference here in south Mississippi but it’s making a difference around the world!\nWhat are Mosaic's views on giving?\nOur view on giving is simple; God owns it all. We have the privilege of managing HIS money. So, we give and spend with this in mind. We give out of joy, not guilt or manipulation. We carefully budget as a church so that we use every gift to its fullest to bring people to Jesus.\nWhat if I can't afford to give?\nWe want to discourage you from giving in any way that will put you in debt because giving is a spiritual discipline, not just an act of giving money. If God leads you to give sacrificially, we believe you should follow His leading, but we don’t think to give on credit is one and the same.\nWhich giving option should I choose?\nThe “General Contributions” giving option is our church operating fund and is used to finance the ongoing operations of Mosaic Church. We encourage contributors to give their tithe and offering to this fund throughout the year.\nWill I receive a giving statement?\nYes, we provide giving statements annually. If you give online you can sign in and view your giving to-date.\nWhat other ways can I give?\nYou can make a 1-time or schedule recurring giving on our website at mosaicgc.com/giving, through our app by clicking the “giving” tab, in-person at any one of our weekend services, or you can mail your gift to:\n2016 Bienville Boulevard\nOcean Springs, Mississippi 39564 2016\nCan I give assets to the church?\nYes! You can give stocks, bonds, shares, retirement assets, trusts, valuable items (vehicles, boats, jewelry, etc.) and even life insurance policies. Please contact us during business hours at (228) 875-3500 with any questions about giving assets to Mosaic Church.\nCan I give if I live outside the US?\nYes! Individuals from any country can give a one time gift through our website using a credit card.\nJOIN US FOR A SERVICE\nMosaic Church meets Thursdays at 7 pm and Sundays at 9 & 10:30 am in Ocean Springs. Our Harrison County Campus meets Sundays at 10:30 am. We'd love to see you this week!\nOcean Springs Campus\n2016 Bienville Blvd.\nOcean Springs, MS 39564\n3320 Warrior Dr\nD'Iberville, MS 39540\nfirstname.lastname@example.org (228) 875-3500\nGET SOCIAL WITH US!\nStay up-to-date on news, events, and stories of life change happening at Mosaic Church. Click below to connect with us on these social networks.", "domain": "finance"}
{"url": "https://www.dailymarketingnews.info/affiliate-marketing-tools.html", "date": "2019-05-20T00:46:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232255251.1/warc/CC-MAIN-20190520001706-20190520023706-00463.warc.gz", "language_score": 0.9567691683769226, "token_count": 1252, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__113701516", "lang": "en", "text": "First off, I’m a blogger so it seems wrong not to mention it, but more importantly, it’s a legitimate way to make money. It’s quite possibly the least straight-forward way on this list, but it’s very doable and it’s also quite possibly the funnest way on this list. I love blogging and I know hundreds of bloggers who feel the same. So let’s talk about making money blogging and what it really means.\nResearch selling prices of items similar to yours. Look up completed sales or current listings of items similar to yours. Find the high- and low-end prices, and price your object around the median price level. If you want your item to sell quickly, price it at the low end. The condition of the item also affects the price. Items in poorer condition should be priced at the lower end. Also, consider how many listings there already are of items similar to yours. If many similar items will be competing with yours, you may have to set the price lower to get the sale.\n21. Facebook – Facebook swap shops are great for selling things locally. It’s like CraigsList, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.\nUpwork: This website offers a great marketplace for selling just about any professional service. You don't need a merchant account, website of your own or anything else for that matter. All you need to do is be able to provide a high-quality service at a reasonable price. But be informed, you will have to compete with many others that are constantly bidding on open jobs.\nConsidering that you have a finite amount of time, passive income should make up a large part of your work. If you're serious about generating any semblance of income online, then passive income should be one of your sole goals and ambitions. Why? Wouldn't you prefer to do the work one time and get paid repeatedly as opposed to relying on your time to generate that income? Invest the time at the front-end so that you can reap the benefits on the back-end. This means putting in a bit of sweat equity and not getting paid today. Rather, you'll get paid somewhere down the road. And you'll continue getting paid whether you keep building that passive income stream or you stop.\nWhile some might think that starting a blog is an arduous effort, when you understand the precise steps you need to take, it becomes far easier. It all starts in the decision of choosing a profitable niche and picking the right domain name. From there, you need to build your offers. You can easily sell things like mini-email courses, trainings and ebooks.\nFor years, Apple has been recognized as offering the best customer support in the industry, and there are thousands of reasons why: our customer service advisors. They’re curious investigators, technical problem solvers, and good listeners. Are you? Do you like the way it feels when you help others? Do you have the discipline to manage yourself? Can you focus in a home environment? Are you a multitasker? Are you our next At Home Advisor?\nSet up the site. Choose a website building platform, such as WordPress, Joomla or Drupal. Next, choose a domain name and web hosting for your site. The domain name is your web address. Web hosting is a service that connects your site to the internet. Once you have your domain name and web hosting, go to the control panel of your hosting account and install your website platform. Design your website by choosing and installing a theme.\nYouTube is constantly rolling out new features (and changing old ones). While some fundamental basics will likely stick around, like great descriptions and suitable music, other features do change and it is in your best interest to experiment with them for maximum impact. After all, YouTube put them there for a reason. For example, end screens and YouTube cards are […]\nEtsy: While Etsy's popularity has declined recently, it's still a great resource for selling handmade items online. No need for complex ecommerce sites or merchant accounts or any sort of automation. The company takes a commission of every sale and charges a small listing fee per item. But many still use Etsy as their primary source of income. The best part is that you can also sell digital products on here such as poster designs.\nKeep in mind though, you don’t need a website to do sponsored content since you can also get paid if you have a lot of social media followers. My wife has a pretty big Instagram following, and she gets all kinds of sponsorships. Not only does she get paid in cash, but we get a lot of free stuff, too. We’ve received free rugs, free lights, and free carpet cleaners. She only promotes things she loves though, so this strategy works really well for her.\nNeed more ideas on how to make money online? Another strategy is using webinars to market your product, service, or course. I’ve done webinars to promote my financial planning practice and to drum up interest in my online course for financial advisors. With a webinar, you’re basically offering a lot of tips and advice for free — usually in a live format. At the end though, you pitch your paid product or service with the goal of securing a few deals.\nIf you’re looking for inspiration, my friend Michelle Schroeder-Gardner of the website Making Sense of Sense has become the expert on all things affiliate marketing. Michelle earns more than $100,000 per month from her blog and the bulk of her income comes from affiliate sales. Michelle has had so much success with affiliate marketing that she even has her own course called Making Sense of Affiliate Marketing.", "domain": "finance"}
{"url": "http://mybusinessisworth.com/", "date": "2017-04-29T09:13:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917123484.45/warc/CC-MAIN-20170423031203-00528-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9378702044487, "token_count": 465, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__308579485", "lang": "en", "text": "Many of the business owners are shocked by their business value when they decide to sell. While most have a value goal in mind, few actually determine their current value until it is too late. Set the right bench marks now with a comprehensive business valuation to ensure you meet or exceed your business value goals. Avoid the pit falls and dont leave it too late.\nBusinesses evolve, and now it’s more important than ever to know your true value every step of the way.\nBesides being valuable information for your day-to-day operations, a thorough review and appraisal of your company will also help if you’re trying to obtain a loan, computing for executive compensation, filing for bankruptcy or divorce, or any other current and short-term business issues that need to be addressed promptly.\nHow Are Businesses Valued?\nThe valuation of businesses has grown to be both a science and an art. To arrive at a defensible business valuation an expert on valuations needs to follow the standards and norms that have been developed by experts in the business valuation field. Many well intentioned business valuation professionals fail to produce accurate and defensible valuations because they do not possess the knowledge of the “art”. The art portion of business valuation comes from the forces of the market and the constant changing dynamic of expected rate of returns for given risks.\nThere are several commonly accepted business valuation methodologies, the following are the most common methods: Capitalization of Earnings, Discounted Future Earnings, Adjusted Book Value, Comparable Price, Excess Earnings Capacity. The business valuation expert will carefully utilize the appropriate methods and also utilize the the applicable weights to each of the methods to arrive with a accurate and defensible business valuation.\nWhy Do I Need a Business Valuation?\nA Business Valuation is an important tool because it helps to validate and benchmark the true worth of your company. Once you know the value of your business, you can concentrate your resources on maintaining and increasing its value.\nA Business Valuation prepared by a valuation expert serves as a credible value benchmark. Our business valuations are fully documented in a detailed written report and provide you with a realistic, credible, and defensible value of your company.\nContact us to find out more about business valuations.", "domain": "finance"}
{"url": "https://idealabz.co.uk/2016/08/11/online-payment-collection-for-doctors/", "date": "2019-07-15T23:00:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195524254.28/warc/CC-MAIN-20190715215144-20190716001144-00128.warc.gz", "language_score": 0.940788984298706, "token_count": 247, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__171891568", "lang": "en", "text": "PayPoing is by far one of the fastest online payment platform that offers easy-to-use & convenient solutions for patients to pay their fees with just a link.\nHow it works :\n- PayPoing will provide you a unique payment link. All you need to do is share the link with your patients via sms, whatsapp or any other communication app that connects you with them. The patients can visit the link and make the payment via their preferred mode of payment. Eg: Credit Card, Debit Card, Net Banking, Wallets and other methods.\n- You can also place a QR code at your billing desk. Patients can simply scan the QR code and make the payment through a mode of payment of their choice.\n- You will receive an SMS confirmation for every successful payment on the mobile number registered by you with PayPoing.\nPayPoing is a seamless payment solution, that consolidates all methods of payment onto one single platform to make transactions easier between all medical practitioners / doctors and patients.\nIt is available to you at the most competitive pricing of Rs. 1000 per year for unlimited transactions.\nFill in your details below, we’ll get in touch with you shortly!", "domain": "finance"}
{"url": "https://www.thefreshwriting.com/ways-to-pay-off-debt/", "date": "2024-04-23T02:43:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818452.78/warc/CC-MAIN-20240423002028-20240423032028-00532.warc.gz", "language_score": 0.9040610194206238, "token_count": 1556, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__7782298", "lang": "en", "text": "Mounting debt can be a looming shadow over anyone’s financial well-being, casting doubt, stress, and uncertainty into daily life. Whether through unexpected emergencies, educational investments, or a series of unfortunate financial decisions, debt can accumulate rapidly, becoming a persistent burden that hinders growth, stability, and peace of mind. It is a complex issue that many face, but it is by no means an insurmountable one.\nThe journey to becoming debt-free is not a sprint but a carefully planned marathon. It involves understanding the nature of the debt, creating a strategy tailored to individual needs, and following through with dedication and discipline. The process might seem overwhelming at first, but like any complex problem, it becomes more manageable when broken down into specific, actionable steps. By assessing the situation with clarity and attacking the debt with precision, one can navigate the path towards financial freedom.\nThis article provides strategies to pay off debt swiftly and easily. These are not merely theoretical concepts but tried-and-true methods that have helped many reclaim control over their financial lives. From understanding the psychology of debt repayment to leveraging unique financial techniques, these strategies aim to equip you with the tools needed to erase debt and build a stable, prosperous future. As we delve into each strategy, remember that the path to debt freedom is unique to each individual, and personalization of these methods will yield the best results.\n1. The Snowball Method\nThe Snowball Method is a tried-and-true approach to tackle debt by focusing on smaller amounts first. By listing debts from smallest to largest and clearing the smallest ones first, you get a sense of achievement early on. This strategy gives a boost to morale and helps keep the momentum going. As each small debt gets cleared, you gain more confidence and are further motivated to tackle the next one, creating a cascading effect toward the larger debts.\n2. The Avalanche Method\nThe Avalanche Method, by contrast, requires a strategic focus on debts with the highest interest rates. By attacking these debts first, you prevent larger interests from accruing over time. Though it may seem daunting initially, especially if the highest interest debt is a significant amount, the long-term savings in interest make this method highly efficient and economical in the grander scheme of things.\n3. Establish a Clear Budget\nA well-defined budget is akin to a roadmap. By determining where your money goes each month, you can discern potential savings and unnecessary expenditures. A clear budget helps in streamlining expenses, ensuring you don’t spend on frivolities. Furthermore, a budget isn’t just a tool for tracking; it’s a blueprint for financial freedom. Adhering to it ensures you always remain on the right path.\n4. Harness Extra Income Streams\nThe digital age offers numerous opportunities to supplement primary income sources. Whether you’re freelancing, tutoring, selling crafts online, or renting out space, every extra penny can significantly bolster your debt repayment strategy. Dedicating even a fraction of this additional income to your debt can exponentially hasten the debt-clearing process, offering relief sooner than anticipated.\n5. Curtail New Debt\nAs you navigate the pathway out of debt, vigilance is paramount. Ensure you’re not offsetting your progress by accumulating fresh liabilities. Practising restraint, especially with tempting credit offers, can seem challenging, but the long-term benefits are well worth the discipline. Adopting this preventive approach ensures that you are genuinely moving forward, not just running in place.\n6. Negotiate Your Rates\nCommunication can often yield unexpected benefits. Reaching out to your creditors, especially if you’ve been consistent with payments, can sometimes result in negotiated interest rates. Even a minor rate reduction can translate to significant savings over time. This proactive approach showcases responsibility and may lead creditors to be more accommodating.\n7. Debt Consolidation\nJuggling multiple debts can be not just financially draining but also mentally taxing. Consolidation offers an elegant solution, combining various debts into one manageable monthly payment, often with a reduced interest rate. This simplicity can make budgeting easier, and the reduced interest can lead to faster debt elimination.\n8. Allocate Windfalls Strategically\nUnexpected financial bonuses, whether tax returns, work bonuses, or even gifts, can significantly aid your debt-clearance journey. Instead of splurging, channelling these funds toward your debts can reduce your financial burdens. Allocating these unexpected boosts to debt not only hastens relief but also reinforces responsible financial habits.\n9. Limit Luxuries\nEveryday luxuries, enjoyable as they are, can accumulate over time. Temporarily cutting back on non-essentials can free up funds for debt repayment. This isn’t about denying oneself but rather prioritizing financial freedom over short-term pleasures. As debts decrease, there’ll be ample opportunity to indulge without financial guilt.\n10. Stay Financially Educated\nIn the evolving landscape of finance, continuous learning is invaluable. By staying updated with current financial trends, tools, and best practices, you can optimize your debt repayment strategy. Financial literacy not only equips you to tackle current debts but also empowers you to make informed decisions in the future, safeguarding against potential pitfalls.\n11. Emergency Funds\nWhile channelling funds toward debt is crucial, setting aside a safety net is equally vital. Life’s unpredictability can bring about unexpected expenses, and without a buffer, you might find yourself plunging deeper into debt. An emergency fund acts as a shield, ensuring that unforeseen events don’t derail your progress.\n12. Spending Habit Analysis\nReflecting on our spending habits can provide illuminating insights. With numerous digital tools available, it’s easier than ever to track and evaluate our expenditures. Identifying patterns, especially impulsive or frivolous spending, can guide corrective measures. This heightened awareness ensures every dollar is spent wisely and purposefully.\n13. Ditch the Credit Cards\nCredit cards, if mismanaged, can quickly exacerbate debt situations. If you’re susceptible to overspending, consider reducing your reliance on them. Opting for cash or debit transactions can instil a tangible sense of spending, fostering more judicious purchasing decisions. Over time, this can cultivate a more disciplined and sustainable financial mindset.\n14. Seek Expert Guidance\nFinancial terrains can be intricate. Enlisting the expertise of financial advisors or credit counsellors can offer tailored guidance, shedding light on potential avenues or strategies previously overlooked. These professionals can demystify complexities, providing clarity and actionable steps toward debt freedom.\n15. Join Debt Support Groups\nDebt, while primarily financial, also carries an emotional weight. Connecting with others on similar journeys can offer solace and solidarity. These support groups, both online and offline, provide a platform to share stories, strategies, and successes. Collective wisdom and mutual encouragement can make the journey less isolating and more empowering.\nDebt, while intimidating, is not insurmountable. With the right strategies in place, even the most daunting financial burdens can be methodically and effectively tackled. The journey to debt freedom requires patience, discipline, and a commitment to informed decision-making. By integrating the strategies outlined above, not only can one navigate the path out of debt but also cultivate habits that ensure sustained financial health in the future. Remember, every step taken toward reducing debt is a step closer to achieving financial freedom and peace of mind. Your future self will thank you for the decisions and efforts you make today.", "domain": "finance"}
{"url": "https://www.invisibleangels.org/donate-1", "date": "2023-09-30T16:08:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510697.51/warc/CC-MAIN-20230930145921-20230930175921-00636.warc.gz", "language_score": 0.9253541827201843, "token_count": 198, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__126095943", "lang": "en", "text": "Partner With Invisible Angels\nAll gifts to Invisible Angels are tax deductible to the full extent allowed by law. Our Board-approved policy is that all gifts designated for a specific project be applied to the project, with up to 10% used for administrative and fund-raising expenses. Occasionally we receive more contributions for a given project than can wisely be applied to that project. When that happens, we use these funds to meet a similar pressing need. We do not provide goods or services in consideration for contributions. Descriptions of Invisible Angel’s programs and activities, and its audited financial statements, are available upon request. Contributions are solicited with the understanding that Invisible Angels has complete control over the use of all donated funds.\nA copy of the official registration and financial information may be obtained from the division of consumer services by calling toll-free within the state. Registration does not imply endorsement, approval, or recommendation by the state.", "domain": "finance"}
{"url": "http://www.fphs.org/donations/", "date": "2017-06-24T20:40:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128320338.89/warc/CC-MAIN-20170624203022-20170624223022-00026.warc.gz", "language_score": 0.9079169034957886, "token_count": 205, "dump": "CC-MAIN-2017-26", "global_id": "webtext-fineweb__CC-MAIN-2017-26__0__195013318", "lang": "en", "text": "Family Planning Health Services gratefully accepts all monetary donations. In these tough economic times, we see more and more people in need. At the same time, our programs are looking at funding decreases. We appreciate any and all donations to help FPHS continue its mission to serve our communities with high quality affordable care.\nAll donations you make will be used to provide quality reproductive health care and WIC nutrition services to area families. Donations have always been greatly appreciated and at this time will help us to maintain our services. Our thank you letter listing your donation will suffice for tax purposes.\nHow to Donate\nSend a check to:\nFamily Planning Health Services\nAttn: Nina Parks\n719 N 3rd Ave\nWausau, Wisconsin 54401\nMake checks payable to FPHS.\nPlease make sure to write the word donation on your check.\nplease call 800-246-5743 and ask for Nina Parks, Finance Specialist.\nShe will take your information and facilitate your donation.", "domain": "finance"}
{"url": "https://wsum.network/2021/05/26/balancer/", "date": "2022-01-17T09:41:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320300533.72/warc/CC-MAIN-20220117091246-20220117121246-00097.warc.gz", "language_score": 0.9094968438148499, "token_count": 1074, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__205792828", "lang": "en", "text": "Balancer is a multi-token automated market maker (AMM) that operates as a self-balancing weighted portfolio protocol, liquidity provider, and price sensor. Built on the Ethereum blockchain, Balancer allows users to create or add liquidity for multiple assets simultaneously to customizable pools. The users earn trading fees in form of Balancer’s native token Balancer token (BAL).\nBalancer operates like an index fund – digital assets are regularly reallocated based on their prices and returns. Like an index fund, Balancer provides crypto traders with a tool to deploy risk diversification through a controlled risk exposure to their crypto portfolio.\nBalancer was launched in March 2020 by Fernando Martinelli and Mike McDonald of Balancer Lab. The platform started as a research program at BlockScience, a software company, in 2018. The Balancer Lab Comprises a team of like-minded fellows with in-depth knowledge of the DeFi ecosystem. The team leaders are:\n- Fernando Martnelli: A highly experienced entrepreneur and member of the Maker community. Martinelli has worked on several projects before partnering with McDonald for Balancer.\n- Mike McDonald: Balancer co-founder and an experienced security engineer and creator of mkr.tools. McDonald currently serves as Balancer’s CTO.\n- Kristen Stone: Formerly product manager at Coinbase, Stone has over five years of experience working in the crypto industry. She currently serves as the COO at Balancer.\n- Timur Badretdinov: Balancer’s front-end developer and founder of Longcaller, a cryptocurrency review and educational content platform.\nBalancer deploys a mathematical pricing algorithm to price assets, rendering the order book redundant. A liquidity provider deposits their assets into a liquidity pool known as a Balancer pool. Unlike in other AMMs, one Balancer pool can hold two to eight tokens. The pool creator can deposit the tokens partially or fully then proceed to set the ratio for each token and the trading fees applied for the Balancer pool.\nAfter a trade, the AMM protocol readjusts the number of tokens to maintain the weighted value of tokens in the pool. Take a pool with four tokens.When a trade causes the price of one token to go up, the Balancer pool triggers a rebalancing that will deduct the number of tokens from the pool until the weighted value is reset.\nWith its AMM, Balancer users do not rely on any intermediary to facilitate trades. Balancer trades are directly between the self-custody transacting wallets. Anyone with a supported wallet can access Balancer, without special permissions.\nBalancer’s other feature is the Smart Order Router (SOR). The SOR optimizes trading to ensure users get the best price based on the number of tokens traded, fees, and gas costs. The SOR will return a list of pools and the number of tokens you should trade in each pool to get the most tokens for any trade request.\nThe Balancer platform has the following features:\n- Custom Pool Fees: Balancer’s transaction feesare as low as 0.0001%, incentivizing competitiveness for pools thereby significantly driving down transaction costs.\n- Multiple Token Support: Balancer pools hold up to eight tokens. However, pools with uneven weights have more negative slippage and consequently, lower trading volume.\n- Accessible Token Trading: There are no formal procedures for listing a token on Balancer. The platform allows users to trade tokens that do not appear on the exchange’s list via users’ wallet addresses.\n- Balancer Pools: Balancer supports three main types of pools; Public pools, private pools, and smart pools.\nIn a public or shared pool, any user can deposit or withdraw digital assets to the pool to provide liquidity. All parameters in a public pool are set before launching and remain immutable afterward.\nA private pool is created by a single user and only they can provide liquidity to the balancer pool. The pool creator has to control over the fees, the weighted value of tokens, and the type of tokens that are traded in the pool.\nSmart pools are private pools owned by smart contracts. The pools can be programmed to perform unique functions like changing token weights in the pool.\nBAL token is also Balancer’s governance token, which holders can apply to set features such as issuance rewards and whitelisted pools for liquidity mining.\nAs of May 2021, Balancer is the 12th largest DeFi project with $1.76 billion in total value locked (TVL). Following the success of Compound’s governance token, COMP, Balancer launched BAL to decentralize the network further and incentivize liquidity providers.\nBAL has a maximum supply of 100 million tokens with 6.9 million in circulating supply. The token ranks 145th with a market cap of $253 million.\nUsers can earn BAL by providing liquidity to pools. Alternatively, you can buy BAL from any of the top exchanges that offer BAL trading pairs. Among the top exchanges are Coinbase Pro, Binance, Huobi Global, and Kraken.\nLearn more here:", "domain": "finance"}
{"url": "http://debgerber.com/buyers/buyers-guide/", "date": "2023-09-27T05:02:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510259.52/warc/CC-MAIN-20230927035329-20230927065329-00302.warc.gz", "language_score": 0.9716787338256836, "token_count": 849, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__165751876", "lang": "en", "text": "Hey, you’re lucky! I’m not going to get into the actual loan products, rates, terms, conditions, etc. because these change every day. Instead, let’s call this an introductory lesson in understanding why you need to get pre-approved to buy a home.\nWhen you get to this page, you have already gone through many steps in the home buying process, but you’d be surprised at how many home buyers skip the loan application step and go right to making an offer on a home. What happens is that failing to qualify for a home loan is the most frustrating reason that such offers fall apart. And, it could’ve been prevented.\nWould you go to the clothing store, spend hours trying on clothes, seeking what you wanted and then later wonder if you had the money to pay for it? I don’t think so. You would know that you had cash or a credit/debit card before you began the clothes-trying-on process. It’s the same thing when buying a home.\nWhat I’ve learned is…\nEvery buyer is uncomfortable discussing their personal financial situation, and\nAn offer to buy a home without being pre-approved is a very weak offer.\nIf you wish to buy a home, you’re going to have to discuss your finances, because no one can buy a home without a financial disclosure.\nWhen first meeting you, I will question you about your financial qualifying, but I won’t delve into it, because I don’t personally need to know your entire income, expense or credit history. But, I do need to be assured that you are taking steps to become financially qualified by a lender to buy a home before we actually go shopping. Which brings me back to the second thing I’ve learned.\nMaking an offer when you have a commitment letter or pre-approved letter in hand is the same as making a cash offer. Sellers weigh offers based on the buyer’s financial strength to actually complete the transaction. A letter of commitment tells the seller that you can buy the home. This is the best negotiating position you can be in.\nRemember, there is a big difference between pre-qualification and pre-approval. When getting pre-approved, you submit information and figures to a loan officer who then calculates for you a specific home loan dollar amount that you should qualify for. Pre-approval means all of this plus the loan officer has confirmed credit history, income verification, as well as assets, liabilities and sources of down payment funds.\nIf you do not have a relationship with a mortgage company, I can be of help to you by recommending lenders who provide excellent service and who I like and trust. You, of course, have no obligation to use any lender that I recommend, but over the years, I have developed very close relationships with lenders who have proved themselves in every aspect and who are extremely reliable and competent. I have learned that it is best to get pre-approval through one of my successful, helpful loan officers first. Once that is completed, you may want to shop loan rates, terms and programs.\nReasons I recommend certain lenders over others are:\nReliability. The loan officer has performed consistently over many years.\nTimeliness. In purchasing real estate, time is of the essence in several ways. I want to use a lender who is able to produce and complete loan documents in a timely fashion and meet all crucial deadlines.\nCompetitive Rates. I know of certain lenders who will consistently quote the most competitive rates and match competing loan products.\nService. I only use lenders who have demonstrated an unwavering commitment to provide my clients with the highest level of personal service.\nThese are just a few of the benefits I can provide you by recommending specific lenders. Of course, there is no obligation on your part to use them, but you certainly want to allow them the opportunity to earn your business. Feel free to contact me directly for the names and numbers of my recommended lenders. This is just another service I provide to be the right one.", "domain": "finance"}
{"url": "https://www.spacreekhealth.com/insurance-faqs/", "date": "2023-12-11T08:47:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679103810.88/warc/CC-MAIN-20231211080606-20231211110606-00434.warc.gz", "language_score": 0.9600841403007507, "token_count": 1854, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__126551147", "lang": "en", "text": "Spa Creek Dental is considered an out-of-network provider and we will be happy to bill a claim to your insurance company if your plan offers out-of-network benefits. Spa Creek Dental is not in-network with insurance plans and is not a Medicaid or Medicare provider.\nIt means that we are not an “in-network” provider. Insurance companies have control over the fees of “in-network “providers. Since we don’t want them to control what we offer, we do not participate as an in-network provider for any insurer’s networks. Many insurance companies do provide coverage for out-of-network providers like us, but it is often limited, and we would have to do some research to get an estimate of what the coverage would be.\nOne of the best ways to gain access to see any dentist is to find a PPO dental plan that offers the highest out-of-network rates. These dental plans are sometimes classified as Full Coverage plans, Open Choice, Open Access, or Indemnity plans because they will pay a UCR (Usual Customary and Reasonable) type of payment or their “allowed amount” for out-of-network claims. HMO plans are through managed healthcare organizations and do not offer out-of-network coverage.\nUCR fees are the standard fees that the insurance company gets to set for what it will reimburse providers. Insurance companies will determine a maximum amount that they will “allow” providers to charge for services. Any remainder beyond the “allowed” amount will then be charged to the patient. The price is specific to the insurance policy. Another policy with the same insurance company could set a totally different price. Allowed amounts can vary not only by policy, but also the location of the healthcare provider, their license type, and other factors.\nTypically, insurance companies want to incent patients to go to in-network providers, and so insurance carriers will cover a significantly lower portion (aka “co-insurance %”) of the “allowed” amounts when they reimburse out-of-network providers like ourselves. As an example, an insurance company may have an allowed amount of $100 for an in-network service but will only cover 10% if that same service is provided by an out-of-network provider, leaving the patient responsible for the remaining $90. Therefore, patients are often surprised at how poor their coverage is, when they learn that their insurance company’s co-insurance for out-of-network is a fraction of what they are used to with in-network providers.\nMany policyholders only think about the cost of medical services after the service is provided and can be caught off guard when their insurance doesn’t cover all expenses. To mitigate the possibility of a big bill, policyholders should always check with the provider to learn if they are in-network, and to understand if there will be a remainder that they could be responsible for, if the insurer does not cover all services.\nWhen a claim is billed to insurance, they first determine whether the care is covered by the policy. If it is, the claim is then processed. The insurance will look up the amount they will allow for each CDT code on the bill based on the healthcare provider you saw and other variables. This price is then used to calculate either the amount applied to your deductible or how much money you will be reimbursed based on your co-insurance. If your co-insurance is 50% and your deductible has been met, you will be reimbursed 50 % of the allowed amount set by your insurance, not 50 % of the amount you actually paid.\nFor example, a patient is seen for a Comprehensive Oral Exam and $119 is billed to the insurance. If the insurance plan allows $100 for the exam and the coinsurance is 50% for in-network providers, the insurance will pay a maximum of $50 for the exam. (Providing the deductible has been met, if applicable, and the max benefit limit has not been reached.) The remaining balance of $54 would be the patient’s responsibility as determined by the insurance and the patient would be balance difference.\nIf, however, the insurance plan only offers a 10% co-insurance for out-of-network providers, then the insurance company will pay a maximum of $10 for the exam, and the remaining $109 will be invoiced (“balance billed” to the patient.)\nOne other note about allowed amounts: insurance companies usually will not disclose their allowed amounts to out-of-network providers until after the services have been provided. This makes it very difficult for providers to accurately estimate the out-of-pocket expense prior to the services being rendered. Out-of-network provider offices must often wait for multiple hours just to get an estimate on what the co-insurance will be, and still may not be given the allowed amount – making it a real challenge to get the most accurate estimate possible.\nBecause we are an out-of-network provider, insurance companies will not easily disclose their reimbursement rates to us. Since each plan may be different in what its allowed amounts, deductibles, and co-insurance rates may be, we typically need to call in to the provider hotlines to get an estimate. This process can take hours of time on the phone, and we often must wait multiple days to be sent an estimate.\nAdditionally, the estimate that is sent to out-of-network providers doesn’t usually include the allowed amount, so even after getting a response from the insurance, we typically have to guess what amount they will cover of services, making us unable to give a 100% quote on what the remainder billed to the patient will be.\nOne of the main differences with how out-of-network providers handle insurance payments is known as balance billing. In-network providers agree to accept an insurance company’s fee schedule and reimbursement amounts for each procedure. But because out-of-network providers have not agreed to any specific amounts, they are allowed to bill for the additional charges not covered by insurance, as in most cases, the insurance payment is not sufficient to cover the cost of services rendered.\nHealth insurance claims can be confusing. Many people are caught by surprise when they learn that their health insurance does not pay them back based on the amount they pay for care but the amount their health insurance believes the care should cost.\nOne of the best things you can do to help keep tabs on your healthcare costs is to take good, thorough notes and to be knowledgeable when it comes to your insurance benefits. Some things to consider asking when your insurance company are:\n- What is my financial responsibility?\n- What is my out-of-network (OON) deductible?\n- What is my out-of-network (OON) cost share? (The percent you are responsible for)\n5. What is my out-of-pocket maximum and how much is remaining?\n- Are there any limitations and frequency restrictions on certain procedures?\n- Is there a waiting period before certain procedures will be covered?\n- Are there any exclusions to my insurance plan? Some plans have what’s called a “missing tooth clause” which means the insurance will not cover the costs of replacing the tooth if the tooth fell out or was extracted before the current dental coverage started.\nTraditional Medicare does not cover most dental care, dental procedures, or supplies, like cleanings, fillings, tooth extractions, dentures, dental plates, or other dental devices. Medicare Part A (Hospital Insurance) will pay for certain dental services that you get when you're in a hospital. Part A can pay for inpatient hospital care if you need to have emergency or complicated dental procedures, even though it doesn't cover dental care. For example, if you suffered a traumatic injury to your teeth or jaw, Medicare would cover hospitalization and procedures medically necessary for recovery.\nSpa Creek Health is a fee-for-service company. One hundred percent (100%) of our fees are communicated and agreed-upon prior to treatment. All visits are billed upon completion of treatment and are due upon receipt.\nWe will submit insurance claims on behalf of our patients as an out-of-network provider. All insurance estimates are an approximation of coverage, and patients are responsible for any amount not paid by their insurance company.\nIf you have any payment or billing questions, please call the Spa Creek Health office at\n“I just returned from my mother’s dental cleaning. In the past, my wife has accompanied my mother to the dentist and assisted by keeping her calm during her exam and cleaning. Spa Creek Dental was able to perform the procedure without any help from us. I was absolutely amazed. They have a gift for working with Alzheimer’s patients, and it was a very positive experience for my mother. Thank you.”\n~Michael T. Family Member", "domain": "finance"}
{"url": "https://www.communitybest.org/post/back-2-school-drive", "date": "2020-03-28T11:40:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370491857.4/warc/CC-MAIN-20200328104722-20200328134722-00342.warc.gz", "language_score": 0.9598005414009094, "token_count": 551, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__59919341", "lang": "en", "text": "Back 2 School drive!\nAfter starting 2019 with a bang - coming into existence as a 501(c)(3) nonprofit, getting to know our community, throwing our first event and raising over $70k - we entered summer ready to regroup, take our foot off the gas, and relax a bit (except all of us have kids who aren’t in school yet, so… without the relaxing part). While we are forming a committee to help figure out how to effectively distribute donations, we want to keep the momentum going.\nAs usual, summer went by too fast and we wanted to quickly and realistically raise money directly for the schools. One of the important things we’ve learned talking to teachers and principals is that one of the biggest financial burdens on classrooms are supplies. Meanwhile, I’m thinking of all the supply rooms in the various companies I’ve worked at with piles and piles of untouched paper, pens, markers, etc. Supplies that any classroom would LOVE to have. It seems silly that teachers are having to spend hundreds (or sometimes thousands) out of their own pocket (while many simultaneously having to work 2nd jobs) on classroom supplies for their students, many of whom qualify for free/reduced lunch (that means a household of 3 making less than $40k/yr), while tech companies are sitting on these supplies that will go unused for years. So that’s why we’re trying to spread the word on our Back 2 School drive!\nWe’re trying to reach as many Redwood City companies as possible to raise funds for local school supplies. In just over a week, we’ve already raised over $1,000 thanks to local companies like Highfive, Kidaptive, IMVU, and CourseHero! Our goal (and we like to dream big) is to get 50 companies to contribute, and show local students that there are people at companies who care and want to give back! Any amount donated and we’ll put your company on our donation banner, which we’re keeping up to date.\nThere are many ways to help without having to donate:\nShare our link with your company internal chat and social networks: https://www.communitybest.org/back2school\nDonate unused supplies (especially paper and ink) - just email us at email@example.com!\nShare and link our Facebook page: https://www.facebook.com/UnitedWithTech/\nSend us any marketing tips - we’re still trying to figure it out 🤷🏻♂️\nHope everybody stays cool in the heat, and thanks for the support!", "domain": "finance"}
{"url": "https://texassecurelife.com/retirement-strategies/", "date": "2024-04-19T02:33:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817253.5/warc/CC-MAIN-20240419013002-20240419043002-00142.warc.gz", "language_score": 0.9167240262031555, "token_count": 315, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__74083524", "lang": "en", "text": "Retirement signifies the start of a unique journey, a phase where effective retirement strategies become crucial for a comfortable lifestyle. At Texas Secure Life, we're committed to creating your financial future, leveraging retirement strategies that take into account every aspect of your unique situation.\nThe challenge of extending your savings over decades can seem overwhelming. Our team specializes in guiding you through this process, establishing retirement strategies that can help secure your assets, shield you from financial uncertainties, and help ensure a secure future for your loved ones. We craft retirement strategies, aligning them with your individual goals.\nAt Texas Secure Life, we optimize your retirement by helping to coordinate your company retirement plan, IRAs, and other investments for seamless operation. We utilize a variety of investment vehicles and strategies to create a diversified portfolio for retirement, striking a balance between safety, growth, and income. This helps allow you to embrace your retirement with the peace of mind you deserve.\nWe understand that everyone's vision for retirement is different. Whether your retirement plan includes reducing workload, turning passions into retirement activities, exploring Texas, spending more time with family and friends, or immersing in local arts and music, we're here to customize a retirement and income plan tailored to your unique needs.\nOur mission at Texas Secure Life is to simplify the complexities of retirement planning, providing you with the tools to live the retirement life you've envisioned. With our focus on retirement strategies, personalized approach, and firm commitment to your best interests, we strive to be your trusted partner throughout this exciting journey.", "domain": "finance"}
{"url": "http://www.westkilbridegolfclub.com/page.aspx?pid=6381", "date": "2013-05-23T19:41:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368703728865/warc/CC-MAIN-20130516112848-00067-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.8934995532035828, "token_count": 279, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__159296999", "lang": "en", "text": "With no restrictions.\nLast updated: 13.05.2013 08:27\nIf you would like to join us at The West Kilbride Golf Club, we have various payment options available to help spread the cost.\n|Intermediate (age 29)||£585.00|\n|Intermediate (age 28)||£520.00|\n|Intermediate (age 27)||£455.00|\n|Intermediate (age 26)||£390.00|\n|Youth (age 18-25)||£325.00|\n|Junior (age 15-17)||£150.00|\n|Juniors (age 12-14)||£125.00|\n|House and Social||£85.00*|\n* House and Social memberships attract VAT\nThese are applicable to Ordinary, Intermediate and Youth memberships and are currently double the annual subscription. Country members are required to pay double the Ordinary subscription as their Entrance Fee. Entrance Fees can be paid over 3 years.\n(You cannot join the Club as a 5-day member, you may only transfer to this category after being an Ordinary member of the Club for a specific amount of time).\nSocial members pay a £50.00 Entrance Fee.\n~ Download a Nomination Form for membership HERE.", "domain": "finance"}
{"url": "https://www.thetwigcares.com/store/c1/Featured_Products.html", "date": "2024-04-16T14:39:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817095.3/warc/CC-MAIN-20240416124708-20240416154708-00070.warc.gz", "language_score": 0.9376356601715088, "token_count": 111, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__180017067", "lang": "en", "text": "The Twig Warehouse is a ministry of Beams of Grace, Inc., a 501(c)3 charity, and we receive no government funding for our work. We rely entirely upon the generosity of individuals and organizations in our community to get and to keep our doors open and our displays stocked. If you would like to support our work, please click on an option below or mail your check to: Beams of Grace, Inc., 330 Pensacola Road., Venice, FL 34285. All gifts are tax-deductible. Thank you!", "domain": "finance"}
{"url": "https://jgsf1987.wordpress.com/2013/05/23/apple-and-taxes/", "date": "2019-12-09T02:33:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540517156.63/warc/CC-MAIN-20191209013904-20191209041904-00136.warc.gz", "language_score": 0.9788439273834229, "token_count": 242, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__69449087", "lang": "en", "text": "I have got to say this as candidly as I can: under no circumstances is Apple\nthe only company engaged in tax-dodging. While I’m not happy to know that they have been using tax shelters (especially in places like Ireland), I think that Apple\n‘s actions are only a small role in a much larger problem with the American Tax System. The problem America faces in terms of lost tax revenue is the allowing of corprorations to create subsidiaries and other shadow companies as a means of moving profits away from the taxation system through several legal loopholes. Essentially what should be noted and used sparingly as a tool of legal tax avoidance has instead turned into a legalized version of tax evasion by several of America’s largest companies.\nMoreover, the recent report released by the Senate about Apple’s activities should be placed in the context of doing something about reforming the tax system as a whole. This means that both the President and Congress need to do everything they can to close as many of these loopholes as possible and identify companies that do this as a way of increasing profitability. I’m for business success, but not at the expense of everyone else.", "domain": "finance"}
{"url": "https://manadvantage.com/services", "date": "2021-09-22T20:10:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057388.12/warc/CC-MAIN-20210922193630-20210922223630-00025.warc.gz", "language_score": 0.9553746581077576, "token_count": 1178, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__253953616", "lang": "en", "text": "Providing the \"Power Play\" for Your Business\nThis is where it all starts. Our Business \"Power Play\" Analysis sessions examines the top areas within your business and where we're able to uncover major financial breakthroughs you never thought were possible.\nWhether it's a start-up or a multi-million dollar business, there's a \"Power Play\" analysis designed to uncover unprecedented growth for your business. We offer 5 different levels this service, based on the size, type and goals of the business.\nAt the end of this process, we’ll present you with a roadmap that highlights the financial breakthroughs that were uncovered during the analysis session.\nSince no two businesses are alike, we require a client profile be completed and summited prior to any of the \"Power Play\" business analysis session. Based on the size of your business and the session booked, this requirement may range anywhere from 24 to 72 hours in advance. You will receive the customer business profile form within 1-3 days after one of the business \"Power Play\" analysis session is scheduled.\nAlso worth mentioning, if at the end of the of the analysis session you signed up for and we're unable to achieve the target for that session (Level 1 = $50k, Level 2 = $100k, etc.) you get your money back. No questions asked. Full Refund.\nAs mentioned in the preceding section, after the \"Power Play\" analysis for your business is complete and the financial target has been reached, within 3-5 days the business owner receives a report that highlights the financial breakthroughs that were uncovered . Since the report clearly identifies those area's where the potential business growth opportunities are located, some clients are satisfied and take a \"going at it alone\" approach.\nHowever, most of our clients retain our services to help guide them through the entire process of reaching their goal (and in many cases exceeding) in 12 months. And here's why:\nThe customized game plan/roadmap exists and it shows REAL DOLLARS to be had for YOUR businesses financial growth!!! We've shown you where the money is - All that needs to happen, is for you as a business owner, to implement certain business growth strategies needed to get that money!!!\n...and this is where we help. Our system is a hybrid mix of coaching and consulting. Usually, with a traditional business coaching model, the coach would ask the client what he/she thinks they should do and then prods them to do it. However, with the completion of the \"Power Play\" analysis, the area's of financial growth have clearly been identified. We help our clients navigate that map by showing them:\n• Exactly WHAT to do (the strategies required)\n• Exactly WHEN to do it (which order the strategies are implemented)\n• The expected impact for each strategy implemented (aka: \"Show Me The Money\")\nTo help visualize, imagine having a coach, either in the press box or on the sidelines, sending in specific plays to run when needed, avoiding what the defense (the market, your competition, etc.) is coming at you with. That is the Man Advantage/Power Play your business will have over your competition.\nNotice how nearly every SUCCESSFUL CHAMPIONSHIP athlete, once they reach their goal, they always thank their coach or mentor. Most realize they could have never achieved the level of success if they tried do it alone. Virtually every successful, winning athlete has sought help and guidance in order to reach the next level. Why wouldn't you want to do that for your business?\nSpecifically Designed for Start-Up's, Small and Mid-Size Business\nThe Level 1 session is designed specifically for small businesses or start-ups that have been in business less than a year or generate less than $100k in revenues annually.\nTarget - $50,000 of new revenue/profit combined, over the next 12 months\nSession duration - 45 - 60 minutes in length\nThe Level 2 session is designed specifically for small to mid-size businesses that have been in business typically 1-3 years and generate between $100k - $300k in revenues annually.\nTarget - $100,000 of new revenue/profit combined, over the next 12 months\nSession duration - 60 - 90 minutes in length\nThe Level 3 session is for a rapidly growing small or mid-size business, Minimum annual revenue to qualify for this session is $250k annually.\nTarget - $250,000 of new revenue/profit combined, over the next 12 months\nSession duration - 90 - 120 minutes in length\nDesigned for Large Size Businesses and Corporations\nThe Level 4 session is designed for mid to large sized businesses who are ready to take it to the next level. Minimum annual revenue to qualify for this session is $500k annually.\nTarget - $500,000 of new revenue/profit combined over the next 12 months\nSession duration typically run 4-8 hours and may be spread across 1-2 days.\nInitial consultation is required prior to scheduling.\nThe Level 5 session is designed for large and very large sized business, corporations, etc. that have been in business, on average over 5 years. Minimum annual revenue to qualify for this session is $1M annually.\nTarget - a minimum of $1,000,000 of new revenue/profit combined, over the next 12 months\nSession duration is determined based on the size of the business and depth of analysis and usually run between 6-12 hours spread over 2-3 days.\nInitial consultation is required prior to scheduling.\nSchedule a free introductory call to learn more about the Ultimate Business \"Power Play\" System and how it can help your business not only reach, but exceed your financial goals.", "domain": "finance"}
{"url": "https://ausdocafrica.org/donate/", "date": "2021-09-24T04:13:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057496.18/warc/CC-MAIN-20210924020020-20210924050020-00698.warc.gz", "language_score": 0.8871884346008301, "token_count": 200, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__219906407", "lang": "en", "text": "To improve the health of people in Africa, Australian Doctors for Africa needs your support. Over 90% of our income is spent directly on overseas programs.\nEvery donation helps us expand our reach, offer higher levels of care and training, and enhance our assistance with equipment and infrastructure. ADFA is a registered charity and endorsed as a Deductible Gift Recipient. Donations of $2.00 or more are tax deductible in Australia.\nHow do I make a donation?\nYou can donate by credit card, direct deposit or PayPal.\nYour payment is secure. All credit card transactions are secured through an authorised online certificate that provides safe encryption.\nMake a direct deposit to our bank account:\nADFA Relief Fund\nAccount No 82 925 1127\nPlease email email@example.com with your name and donation amount to enable a receipt to be issued.\nAlternatively, use our PayPal account. Please note an administrative fee is deducted from your donation by PayPal.", "domain": "finance"}
{"url": "https://www.bcmconstruction.co.uk/team/terry-sullivanfinance-director/", "date": "2020-04-07T19:30:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371805747.72/warc/CC-MAIN-20200407183818-20200407214318-00284.warc.gz", "language_score": 0.9838800430297852, "token_count": 229, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__168550535", "lang": "en", "text": "Our leadership team\nTerry began his career in Accountancy as a trainee Accountant with Beatty & Company, whose client base comprised a wide range of business sectors and different sized businesses from sole traders to large groups of companies. Having gained extensive experience Terry was invited to join the McGinley Group (a key client of Beatty & Co) as an Accountant. Terry’s financial acumen was soon rewarded and he very quickly moved up the career ladder, to the position of Chief Accountant.\nTerry joined BCM four years later in 1986, as Chief Accountant/Company Secretary, a year after the company was formed. He has remained with the company for over 30 years becoming Finance Director in 2000 and is a shareholder in the business.\nHis ability to manage the regulatory side of the business, as well as the financial and business planning sets him apart.\nTerry takes a keen interest in all aspects of the business and using his many years’ experience in the construction and rail industry to ensure that the needs of the business are met during its next phase of expansion. Terry sits on the Board at BCM.", "domain": "finance"}
{"url": "https://themarijuanaherald.com/2023/10/maryland-over-90-million-worth-of-legal-marijuana-purchased-in-september/", "date": "2024-04-13T03:46:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816535.76/warc/CC-MAIN-20240413021024-20240413051024-00024.warc.gz", "language_score": 0.9644703269004822, "token_count": 336, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__155089217", "lang": "en", "text": "In the third month of legal recreational marijuana sales (September), Maryland marijuana stores sold just over $90 million worth of marijuana and marijuana products.\nIn total there was $90,775,416 in marijuana purchased in September, a slight decrease from the $91.7 million sold in August but an increase over the $87.4 million sold in July.\n$36,516,313 of the marijuana sold in September was purchased by authorized medical marijuana patients, while $54,259,102 was purchased by recreational consumers.\nAlthough total marijuana sales were lower in September than in August, recreational marijuana sales were slightly higher – $54.2 million compared to $53 million.\nA considerable majority of the marijuana sold – $50 million worth – was dried marijuana flower, with there being around $25 million in marijuana concentrates sold.\nMaryland’s marijuana law was passed by voters in November, 2022, allowing those 21 and older to possess up to 1.5 ounces of marijuana, 12 grams of marijuana concentrates and marijuana edibles infused with up to 750 mg of THC. The law took effect on July 1, 2023, which is when the first recreational marijuana store opened.\nRegulations for the marijuana industry is overseen by the Maryland Cannabis Administration, with the Division of Cannabis Regulation and Enforcement tasked with reviewing, approving and issuing licenses for marijuana businesses. The Maryland Cannabis Administration is the group responsible for compiling and publicly releasing marijuana sales data.\nUnder the new law marijuana is taxed at 9%, with medical marijuana patients exempt. Localities are not allowed to ban dual outlets that sell medical and recreational marijuana, nor can they establish a city specific tax.", "domain": "finance"}
{"url": "https://www.slhbookseller.com/pages/books/1175/edward-jones-collector/broadside-direct-tax-1816", "date": "2020-10-23T00:19:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-45/segments/1603107880401.35/warc/CC-MAIN-20201022225046-20201023015046-00441.warc.gz", "language_score": 0.8991953134536743, "token_count": 186, "dump": "CC-MAIN-2020-45", "global_id": "webtext-fineweb__CC-MAIN-2020-45__0__141121821", "lang": "en", "text": "[Boston, Massachusetts]: None listed, July 14, 1816. Ephemera no binding. [BROADSIDE]. Direct Tax, 1816., 11th Collection District, Massachusetts, July 14, 1816.\n18 ½” x 11”; printed broadside; old ink inscription to rear; 4 horizontal creases with age-toning of paper on verso, light vertical crease, chipping of edges, 3 small holes, 2 have loss of printing, old repair of paper on verso; very good minus. Very good +. Item #1175\nPrinted broadside of names and addresses of persons in Boston with unpaid property tax. Tax payment with ten percent interest is demanded by August 14, 1817 or the property will be sold at public sale. Columns list the name of taxable persons, number of the Ward, description of the property and amount of tax owed.", "domain": "finance"}
{"url": "http://seahavenpompanobeach.com/2041.html", "date": "2018-12-14T09:12:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376825495.60/warc/CC-MAIN-20181214070839-20181214092339-00493.warc.gz", "language_score": 0.9479865431785583, "token_count": 138, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__243199584", "lang": "en", "text": "In an effort to help our residents, we are putting the Master Policy online for you to download and email as an attachment to your mortgage lender/holder. Both \"A\" and \"B\" buildings are listed.\nAs an option, you may also suggest to your mortgage holder that they visit this web site and click on the insurance tab, to print the requested policies of all insurance out on their own, to expedite their insurance request immediately.\nIf they request further information, please call or email us the mortgage holder information, loan number and requested update.\nThe 2017 insurance certificate and the 2017 FEMA rezone letter for \"A\" and \"B\" Buildings are linked below.", "domain": "finance"}
{"url": "https://knowledgesummit.org/en/speaker/dr-habib-al-mulla-1", "date": "2019-12-09T11:24:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540518627.72/warc/CC-MAIN-20191209093227-20191209121227-00173.warc.gz", "language_score": 0.957308828830719, "token_count": 226, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__91826464", "lang": "en", "text": "With over 33 years of legal experience, Dr. Habib Al Mulla is one of the UAE’s most highly respected personalities and has drafted many of the modern legislative structures in Dubai today. He was Founder and CEO of Habib Al Mulla & Associates in the UAE, and following the merger with Becker McKenzie, became Head of Baker McKenzie Habib Al Mulla's office.\nDr. Al Mulla is consulted to draft and offer law advice, both on federal and emirate levels. He created the concept of financial free zones in the UAE and was the architect of the legal framework establishing the Dubai International Financial Centre, the first financial free zone in the UAE.\nIn 2014, he was the chairman of the board of trustees for Dubai International Arbitration Centre, Chairman of the Chartered Institute of Arbitrators, Chairman of the Legislative Committee of Dubai Financial Services Authority, Director of the Institute of Advanced Legal and Judicial Studies, and Chairman of UAE Jurists Association.\nHe holds an LLB in Sharia and Law from the UAE University, a Master of Law from Harvard University and a PhD from Cambridge University.", "domain": "finance"}
{"url": "https://peterhillsschool.greenschoolsonline.co.uk/Parents/SchoolMoney-Login/", "date": "2022-08-18T01:09:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573145.32/warc/CC-MAIN-20220818003501-20220818033501-00063.warc.gz", "language_score": 0.9311866760253906, "token_count": 164, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__14978091", "lang": "en", "text": "We have introduced a more convenient way to pay for trips, after school clubs and much more online, using a secure service called SchoolMoney.Making secure payments online using your credit or debit card\nSchoolMoney offers you the freedom to make payments whenever and wherever you like, 24 hours a day, 7 days a week, safe in the knowledge that the technology used is of the highest internet security available.\nYou will have a secure online account, activated using a unique username and password, which you can request from firstname.lastname@example.org if you have not already received it. If you have more than one child at our school, you can create a single account login for all your children.\nFor further details on setting up your account please download the guide here", "domain": "finance"}
{"url": "https://www.algorithmictradinggroup.com/about", "date": "2024-04-25T00:40:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296820065.92/warc/CC-MAIN-20240425000826-20240425030826-00705.warc.gz", "language_score": 0.9222155809402466, "token_count": 148, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__80514857", "lang": "en", "text": "Finding Inspiration in Every Turn\nAlgorithmic Trading Group (ATG) Limited is a young, vibrant and growing electronic proprietary trading firm, with offices in Amsterdam and Hong Kong. We trade the major futures and equity markets in Europe, Asia and America on an almost 24/5 basis. Although small-sized, we have been consistently growing since our 2009 Hong Kong inception and always on the lookout for talented team players who are enthusiastic about the financial markets and want to be part of a growing and ambitious company. We’re proud of our open culture and believe in empowerment and autonomy instead of supervision. With challenging projects in an atmosphere that’s informal and collaborative, no day is the same!", "domain": "finance"}
{"url": "https://catalyst-content.au/why-professional-services-businesses-need-unique-marketing/", "date": "2024-04-22T01:16:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00029.warc.gz", "language_score": 0.9509454369544983, "token_count": 1065, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__131105158", "lang": "en", "text": "You instinctively know that a financial services company *probably shouldn’t be running Google shopping ads like Nike is. And you don’t need a marketing guru to tell you that it *may not be appropriate for a family lawyer to be doing TikTok videos – tempting as that may be for some of us.\nProfessional services businesses differ from product-based or retail businesses in several important ways. And these differences necessitate a different approach to marketing – one that is more meaningful, respectful and patient. These principles especially apply to the following professional services business types:\n- Accounting firms\n- Financial services companies\n- Law firms\n- HR consultancies\n- Engineering consultancies\n- Business advisory firms\n- Medical, dental and allied health practices\nBefore we jump into a discussion of HOW professional services businesses should approach marketing, this article takes a step back to discuss WHY professional services businesses need to approach marketing differently.\nDifference 1: Intimate in Nature\nGenerally speaking, there is a high degree of “intimacy” involved in services like legal consultations, accounting, or business advisory. Often, sensitive or confidential information needs to be exchanged in order for the service to be effective. This makes trust not just a nice-to-have, but an absolute essential for professional services businesses – far more important than for a product or retail businesses where customer-brand relationships are more transactional, straightforward and less personal.\nDifference 2: Intangibility of Services\nHere’s another quirk of professional services firms. Unlike physical products, services are intangible and therefore harder to quantify. What’s the value of a nugget of legal advice? How much benefit is a client getting from business advisory services delivered by their accountant? Lots for one client, less for another. The fluidity of this intangible value creates the need for the service provider to better articulate their value proposition. And this isn’t about coining the perfect pitch or sentence. Rather, it is about first understanding the outcome the client is craving, and then helping them see that it is attainable with your service.\nDifference 3: Sales Cycle Complexity\nProfessional services often involve complex and longer sales cycles. Generally, the lead requires multiple interactions before a decision is made. Think about how someone selects the right lawyer to represent them in a divorce, or the right financial planner to help them attain financial freedom – these decisions are never made lightly. An impatient or salesy approach exudes a lack of professionalism and also puts undue pressure on even a warm lead. Wisdom and restraint here is critical.\nDifference 4: Importance of Personal Branding\nIn professional services, the consultant herself / himself is often the product. It’s less about the technology or system or IP that is being used in the provision of service. So much of the value and customer experience boils down to the consultant that is delivering the service. As such, building personal brands are essential. Many professional services business consultants struggle with the idea of being the face of the brand. “Thought leadership” is thought to be crude / distasteful and viewed with disdain. But being able to embrace this idea of personal branding is critical for business growth.\nDifference 5: High Customer Lifetime Value (CLTV)\nClients in professional services often have a high lifetime value. This means that acquiring a new client can bring significant long-term revenue. An accounting firm that runs quarterly reports for their microcap audience will have a 5-year CLTV of $125,000 per client! RSPCA Australia tells us that on average, a dog is worth $25,000 to a vet. A financial advisor can earn over $50,000 from a single client over a course of 10 years. What all of this means to a professional services business is that a higher upfront investment in client acquisition might be justified.\nDifference 6: Heavy Reliance on Referral and Word-of-Mouth\nWord-of-mouth and referrals can be the most important growth channels for professional services business. This largely has to do with the ease of inherited trust – when an existing client refers you onwards, the fresh lead inherits the trust of the original client. Their story sells it – which makes it easy for you. But, the only downside to relying on word-of-mouth is that it is largely a passive tactic. A business with growth aspirations can’t afford to wait around for the ebb and flow of referrals. Hope is not a tactic. The best professional service businesses actively catalyse referrals.\nProfessional services businesses need to think different\nThe marketing tactics that work for most product and retail businesses will not work for a professional services business. Owners need to approach things differently.\nFrom the unique intricacies of client trust to the complexity of sales cycles and the importance of personal branding, marketing for professional services demands a more nuanced approach. This article has peeled back the layers to reveal WHY such a specialised focus is crucial, laying the groundwork for this deep dive into the HOW – tailored marketing strategies for professional services businesses. In that article we pivot from understanding these key differences to actionable marketing tactics that could transform your professional services business and help you grow.", "domain": "finance"}
{"url": "https://www.ottawawestpros.com/fees/", "date": "2024-02-26T17:08:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474661.10/warc/CC-MAIN-20240226162136-20240226192136-00566.warc.gz", "language_score": 0.9359620213508606, "token_count": 456, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__42830626", "lang": "en", "text": "Thank you for seeking our services. As you will notice, actual fees are not listed as they are established by the individual professional. However, below is general information that you may need to know.\n- Psychological services are not covered by OHIP, but many extended health care insurance plans cover all or a portion of the cost.\n- Reimbursement from extended health plans may require a written referral from your physician.\n- Fees are paid at the time of service, and a receipt is issued at the time of payment for reimbursement by your insurer.\n- Obtaining reimbursement from third party insurance companies is the responsibility of the client.\n- Fees can be paid by personal cheque, cash, debit, Visa, MasterCard, or e-transfer. Please check with your clinician about the different payment options they accept.\n- Psychological services are exempt from HST and may qualify as a medical expense for income tax purposes.\n- A fee of $10.00 will be charged for a cheque returned for any reason. A charge will also be applied if appointments are missed or cancelled with less than 24 hours notice.\nPlease be sure that you check the following with your insurance company:\n- Whether psychological services are covered by the policy.\n- Whether all members of the family are covered.\n- Whether the policy pays a set amount per visit, a portion of the fee per visit, or a total amount regardless of the number of sessions.\n- The time period covered by the policy (e.g. a certain amount per calendar year, a fixed number of sessions per year, etc.).\n- Whether the session length is specified (e.g. per half hour, per unit, per hour).\n- Whether your policy requires a physician’s referral, which will need to be sent to the insurance company with your claim.\n- If different members of the same family are seen, it may be possible to bill each individual for a portion of the fees, thereby maximizing the insurance coverage. If a written referral from your physician is required, the written referral will need to reflect this.\n- Most insurance companies accept and reimburse based on regular receipts. However, upon specific request, an itemized statement can be provided.", "domain": "finance"}
{"url": "https://www.llyc.org/scholarships/", "date": "2024-02-29T12:55:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474808.39/warc/CC-MAIN-20240229103115-20240229133115-00038.warc.gz", "language_score": 0.9440814852714539, "token_count": 145, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__180349519", "lang": "en", "text": "We recognize the financial strain many face when trying to pay for camp and we do not want to leave anyone out. More than ever, we believe that experiences like this are extremely valuable for today’s youth. We strive to be flexible and are willing to work with families to help make camp possible.\nYou will be able to apply for a scholarship after your camper’s registration is complete (confirmed or waitlisted). Scholarship applications must be complete within two weeks of registration.\nIn order to complete registration a $200 deposit will be required unless your camper is waitlisted. If you have concerns about paying the deposit, please contact our registrar and we would be happy to work out a payment plan.", "domain": "finance"}
{"url": "https://www.usconnectionautos.com/auto-exports.html", "date": "2021-10-17T15:47:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585178.60/warc/CC-MAIN-20211017144318-20211017174318-00189.warc.gz", "language_score": 0.9708269834518433, "token_count": 207, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__126831607", "lang": "en", "text": "Maximizing Your Profit\nAfter more than 25 years of negotiating and buying cars, we are experts at what we do. However, one of the biggest reasons we can offer you great prices is we keep our overhead low. Since we do not \"floor\" cars - like other dealers do - our overhead is controlled. This means we can afford to offer you cars at far lower prices. Our mark-up doesn’t change even when we obtain a car for a super low price -- we pass the savings on to you! That’s why we can offer our clients a car that's less expensive than what others charge.\nMany dealers won’t show you the invoices of the cars they purchase, but we do. You will know exactly how much was paid for the cars, what the post-sale inspection costs are, our commission, and various other costs. We want to develop long-term relationships with our customers and the best way to do that is to trust who you are dealing with.", "domain": "finance"}
{"url": "https://sodasays.co.uk/how-to-invest-in-defi-beginners-guide/", "date": "2023-12-05T15:12:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100551.2/warc/CC-MAIN-20231205140836-20231205170836-00323.warc.gz", "language_score": 0.9282643795013428, "token_count": 512, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__309775058", "lang": "en", "text": "DeFi stands for decentralized financial applications, which aims to democratize the economic environment by eliminating centralized institutions like brokerages, banks, and exchanges.This is similar to how Bitcoin and Ethereum work, where a collection of entities keeps track of transactions rather than a single organization. Transacting with DeFi goes beyond basic transfers to more complicated financial use cases.Using smart contracts, which execute transactions automatically if specific criteria are satisfied, allows this.\nHow to Invest in Decentralized Finance\nDeFi platforms and applications now offer a comprehensive range of financial services. From trading to loans, decentralized exchanges, asset management, and more.\nYou may invest in DeFi in various ways. These choices include Buy and Sell Tokens in which you buy DeFi money at a cheaper price (like other cryptocurrencies do) and sell it when the price rises.\nJoining a lending platform and providing cash to infuse liquidity and earning interest from borrowers is the second way.\nThe third popular investment method is Yield Farming, where you transfer your crypto assets between projects to give liquidity to the network while earning income.\nTop DeFi Coins\nIf you want to invest in DeFi, check for coins like Uniswap (UNI), which dominates the market. Launched at $2.94 in September 2020, the currency has grown over 110% to $35.80 and a market worth of nearly $18 billion.\nFTM coin started the year at $0.018 and is now trading at $1.79 in September 2021, a return of almost 5000 percent.\nChainlink (LINK) is a popular DeFi Coin that feeds real-world data to blockchain smart contracts. If you want to invest in a DeFi coin, look at LINK, which beat the market in 2021.\nIts scalable smart contract platform facilitates the construction of decentralized apps (dApps) and digital assets. Aave (AAVE) is another popular DeFi coin that is utilized as high return savings account for cryptocurrencies and stablecoins.\nFinally, Dai (DAI) is a DeFi coin that is pegged to the US Dollar and so avoids the crypto market’s volatility. With a market valuation of over $4 billion, DAI is one of the greatest and most popular DeFi currencies to consider if you want to invest safely.\nNow that you know everything about how to invest in decentralized finance, it’s time to look into this new cryptocurrency type. Start your crypto journey to maximize the benefits of emerging technology.", "domain": "finance"}
{"url": "http://teenie.cmoa.org/Credits.aspx", "date": "2018-10-18T06:59:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583511744.53/warc/CC-MAIN-20181018063902-20181018085402-00132.warc.gz", "language_score": 0.948134183883667, "token_count": 165, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__47644028", "lang": "en", "text": "Vintage prints and negatives in the Teenie Harris Archive were acquired with funds provided by the Heinz Family Fund, the Second Century Acquisition Fund, Milton and Nancy Washington, and by gift of the artist and the Harris Estate. Cataloging and scanning of the Teenie Harris Archive is supported by a National Endowment for the Humanities Grant for Preserving and Creating Access to Humanities Collections.\nMajor support for this exhibition was provided by PNC Financial Services Group, Inc., the National Endowment for the Humanities, and Richard King Mellon Foundation. Support was also provided by The Heinz Endowments and the Virginia Kaufman Fund. Support for the exhibition soundtrack was provided by BNY Mellon. Other generous support was provided by The Pittsburgh Foundation, The Fellows of Carnegie Museum of Art, and the Beal Publication Fund.", "domain": "finance"}
{"url": "http://jorurdu.bzu.edu.pk/website/news/jor-urdu-submission-fee-rs-5000", "date": "2020-09-27T17:05:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400283990.75/warc/CC-MAIN-20200927152349-20200927182349-00541.warc.gz", "language_score": 0.8919228911399841, "token_count": 267, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__131613075", "lang": "en", "text": "- JOR (Urdu) Submission Fee Rs. 5000/-\nJOR (Urdu) Submission Fee Rs. 5000/-\nOn the recommendation of Finance & Planning Committee, Vice Chancellor Bahauddin Zakariya University has approved that Rs. 5000/- may be charged as 'research paper submission fee' at the time of submission of research paper to Journal of Research (Urdu).\nResearchers/ scholars/ authors may deposit the fee in HBL (BZU Branch) Account # 12717900643601 or transfer online. Receipt or Proof of transfer is required with the article to be submitted to JOR (Urdu). This decision would help JOR (Urdu) and all other research journals to produce their own funding for maintaining the standards of publishing, said vice chancellor Prof. Dr. Tariq Mahmood Ansari in a meeting with the editorial board of JOR (Urdu).\nAll the scholars who have submitted their research papers to JOR (Urdu) on/after the date of notification i.e 01-08-2019 should immediately deposit the research paper submission fee in the bank account number given above to avoid any delay in review process. They may send the receipt of deposit or proof of transfer via email at: email@example.com", "domain": "finance"}
{"url": "https://www.cityofmustang.org/article/1108410", "date": "2023-11-30T08:35:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100172.28/warc/CC-MAIN-20231130062948-20231130092948-00725.warc.gz", "language_score": 0.968756377696991, "token_count": 258, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__117010381", "lang": "en", "text": "A copy of the proposed FY 2023-24 Budget was provided to the City Council at their May 2, 2023 regular meeting. The City Council conducted their Budget Workshop on Monday, May 8 2023 at 6:00 PM at Town Center.\nThe proposed FY 2023-24 Budget was added to the City's website following the Budget Workshop on May 9, 2023 in order to provide the public as much time as possible to review the budget prior to City Council action. The proposed FY 2023-24 Budget was placed on the agenda for a Public Hearing and subsequent action by the City Council at their regular meeting on June 6, 2023. The FY 2023-24 Budget was unanimously approved at that meeting.\nAll questions asked by the City Council and the public regarding the FY 2023-24 Budget, as well as the answers to those questions provided by staff, will be added to budget section of the City's website for information purposes.\nIn addition to the FY 2023-24 Budget being available on the website, a hard copy is also available for public review at the Mustang Library.\nAny questions regarding the FY 2023-24 Budget should be directed to Mustang City Manager Timothy Rooney.\nAll of the above referenced budget information can be reviewed here.", "domain": "finance"}
{"url": "http://aquagroupeg.com/pages/sustainability", "date": "2020-02-19T10:24:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875144111.17/warc/CC-MAIN-20200219092153-20200219122153-00346.warc.gz", "language_score": 0.9565306901931763, "token_count": 129, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__134870977", "lang": "en", "text": "One of the most important obstacles hindering sustainable aquaculture development in Egypt is the feed, maintaining quality and reasonable price point.\nFish food contributes to about 75 to 85% of the running costs of fish production.\nThe fish feed prices have increased tremendously in the last few years in Egypt and comprises a large proportion of the farm costs. This increase has been attributed to the importation of ingredients and increased foreign currency exchange rates. The price of fish feed are continuously increasing without much increase in the price of the final product, impacting economic feasibility.\nMoreover, the farmers usually must buy feed on credit which puts an additional burden on them.", "domain": "finance"}
{"url": "https://gal2.org/2015/08/floridas-back-to-school-sales-tax-holiday-is-back/", "date": "2020-08-09T22:51:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-34/segments/1596439738595.30/warc/CC-MAIN-20200809222112-20200810012112-00246.warc.gz", "language_score": 0.9453266263008118, "token_count": 244, "dump": "CC-MAIN-2020-34", "global_id": "webtext-fineweb__CC-MAIN-2020-34__0__159671160", "lang": "en", "text": "If you have not already heard, this year's sales tax holiday started on Friday, August 7, 2015 at 12:01 AM and runs until Sunday, August 16, 2015 at 11:59 PM.\nDuring this period, no state sales tax or local option tax will be collected on the sales of clothing; footwear; certain accessories selling for $100 or less per item; certain school supplies selling for $15 or less per item; and on the first $750 of the sales price for computers and certain computer-related accessories when purchased for noncommercial home or personal use.\nThe Florida Department of Revenue created several documents with lists of eligible items and answers to frequently asked questions. You can download these documents below.\n- Tax Information Publication 15A01-05\n- Clothing Items List\n- School Supply Items List\n- Computer Items List\n- FAQs for Taxpayers\n- FAQs for Business Owners\nThis sales tax holiday was created by the Florida Legislature during 2015 Special Session A. Contained within House Bill 33-A, it was passed by the legislature and then signed into law by the governor on Tuesday, June 16, 2015 as Chapter 2015-221, Section 28, Laws of Florida.", "domain": "finance"}
{"url": "https://jcemcin.org/donate/", "date": "2023-09-23T23:27:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506539.13/warc/CC-MAIN-20230923231031-20230924021031-00266.warc.gz", "language_score": 0.9011622667312622, "token_count": 182, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__304193412", "lang": "en", "text": "Commemorate a loved one’s birthday or Yahrzeit by making a donation to JCGC. Donations of $36, $54, $108, $144 or whatever amount you choose can be made to Jewish Cemeteries of Greater Cincinnati by check or online. Donations will qualify for a tax deduction as JCGC is a 501 C(3) corporation. Checks should made payable to Jewish Cemeteries of Greater Cincinnati and mailed to 3400 Montgomery Rd., Cincinnati, OH 45207. To donate online, click the PayPal button below.\nAll donations go towards a “Special Repairs” fund that is used to fund needed repairs and to keep our cemeteries well maintained.\nCemetery Plot Donations\nYou may also donate unused cemetery plots to JCGC. Please contact our office at 513-961-0178 for details.", "domain": "finance"}
{"url": "http://lindaxtwo.blogspot.com/2009/04/kiva.html", "date": "2018-07-22T03:07:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676593004.92/warc/CC-MAIN-20180722022235-20180722042235-00594.warc.gz", "language_score": 0.9626937508583069, "token_count": 867, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__137088523", "lang": "en", "text": "For Christmas my daughter had given me a Kiva gift certificate. If you're like me, I had never heard of Kiva. Here is some info from their website on how it works:\nKiva's mission is to connect people through lending for the sake of alleviating poverty.\nKiva is the world's first person-to-person micro-lending website, empowering individuals to lend directly to unique entrepreneurs around the globe.\nThe people you see on Kiva's site are real individuals in need of funding - not marketing material. When you browse entrepreneurs' profiles on the site, choose someone to lend to, and then make a loan, you are helping a real person make great strides towards economic independence and improve life for themselves, their family, and their community. Throughout the course of the loan (usually 6-12 months), you can receive email journal updates and track repayments. Then, when you get your loan money back, you can relend to someone else in need.\nKiva partners with existing expert microfinance institutions. In doing so, we gain access to outstanding entrepreneurs from impoverished communities world-wide. Our partners are experts in choosing qualified entrepreneurs. That said, they are usually short on funds. Through Kiva, our partners upload their entrepreneur profiles directly to the site so you can lend to them. When you do, not only do you get a unique experience connecting to a specific entrepreneur on the other side of the planet, but our microfinance partners can do more of what they do, more efficiently.\nKiva provides a data-rich, transparent lending platform. We are constantly working to make the system more transparent to show how money flows throughout the entire cycle, and what effect it has on the people and institutions lending it, borrowing it, and managing it along the way. To do this, we are using the power of the internet to facilitate one-to-one connections that were previously prohibitively expensive. Child sponsorship has always been a high overhead business. Kiva creates a similar interpersonal connection at much lower costs due to the instant, inexpensive nature of internet delivery. The individuals featured on our website are real people who need a loan and are waiting for socially-minded individuals like you to lend them money.\nIsn't that cool ? I think our government and lending institutions could take notes from KIVA on \"transparency of lending\". After looking at many profiles, here is who I chose to support with my gift certificate:\nBeatrice Etrue is the 40-year-old divorced mother of four children, two currently in senior high school, one in junior high and one in primary school. She lives with her children in a rented apartment in the fishing community of Elmina, one of the country’s tourist attraction centres, near Cape Coast in the Central Region of Ghana. For the past ten years, Beatrice has worked hard as a trader to earn some income to support the family. She deals in all kinds of drinks – malt, fan milk, fan ice, etc., procuring them from wholesale dealers in the regional capital, Cape Coast, and selling in the community market. Beatrice also distributes to other retailers in her community and nearby communities. She is now requesting a loan to procure the products in bulk.\nWhen Beatrice repays my loan, I can then loan it out again to someone else. It is such a neat organization with 100% of the loans going to the loan recipients. People helping people....the way it should be. I was so touched when my daughter gave me this...I have always emphasized with my kids that Christmas is not about presents and monetary things. I feel most holidays have gotten way too commercialized but if we want it to change, it has to begin with us.\nSince my 83 yr. old mom has her own candy and jelly making business, my daughter loaned a woman bakery entrepreneur money, in my mom's name, through the KIVA organization. What a wonderful legacy ......to fulfill someone's dreams of owning a business. ...the same kind of business we have been fortunate to own.\nI encourage you to check out their web site and see what a positive impact you can make on someone's life....http://www.kiva.org", "domain": "finance"}
{"url": "https://www.iwazi.com.ng/plenary-session-of-the-house-of-reps-ngr-on-thursday-28th-may-2020/", "date": "2021-07-25T00:55:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046151531.67/warc/CC-MAIN-20210724223025-20210725013025-00202.warc.gz", "language_score": 0.9137991070747375, "token_count": 517, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__272886651", "lang": "en", "text": "Plenary Session of The House of Representative on Thursday 28th May 2020\n- Speaker of the House of Representatives reads a letter of communication from President Muhammadu Buhari seeking approval for the revised 2020-2022 mid-term expenditure framework (MTEF) and 2020 National Budget as “it is necessary due to the sharp cut in the global oil price as well as drop-in local oil production.”President Muhammadu Buhari is also seeking the House approval to borrow locally & internationally to finance capital projects as well as finance projects to support state governors in the 2020 budget The letter was referred to the House Committee on loans & debt management\n- A Bill for an Act to Amend the Appropriations Act, 2020 to Authorize the issue from the Consolidated Revenue Fund of the Federation the total sum of N10,509,654,033,053 (N10.5 trillion naira) has passed second reading. Out of the N10.5 trillion naira, N398,505,979,362 (Three Hundred and Ninety-Eight Billion, Five Hundred and Five Million, Nine Hundred and Seventy-Nine Thousand, Three Hundred and Sixty-Two Naira) only, is for Statutory Transfers. While N2,951,710,000,000 (Two Trillion, Nine Hundred and Fifty-One Billion, Seven Hundred and Ten Million Naira) only, is for Debt Service.\n- Recurrent expenditure is budgeted to be N4,928,525,467,849 (Four Trillion, Nine Hundred and Twenty- Eight Billion, Five Hundred and Twenty-Five Million, Four Hundred and Sixty-Seven Thousand, Eight Hundred and Forty-Nine Naira) only (Non-Debt Expenditure) While the sum of N2,230,912,585,842 (Two Trillion, Two Hundred & Thirty Billion, Nine Hundred & Twelve Million, Five Hundred & Eighty – Five Thousand, Eight Hundred and Forty-Two Naira) only, is for contribution to the Development Fund for Capital Expenditure.\n- Henry Nwawuba laid a report of the Adhoc committee chairman on the $10 million bribery allegation made against the House.\n- A motion of adjournment was moved by the House leader Alhassan Ado Doguwa, Rep. and seconded by Rep. Abubakar Hassan Fulata, the House adjourned Plenary till Tuesday, June 2nd, 2020.", "domain": "finance"}
{"url": "https://playfxmony.com/index-377.html", "date": "2024-04-20T17:38:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817670.11/warc/CC-MAIN-20240420153103-20240420183103-00534.warc.gz", "language_score": 0.8853596448898315, "token_count": 252, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__91667762", "lang": "en", "text": "What does money look like in Australia? How much are the coins worth? You’re about to find out! Learn about money from down under with our online Australia coins.\nThese virtual Australia coins help students learn about money and its value in Australia. Money around the world comes in different shapes, sizes, and values. These virtual coins from Australia are similar in color and shape to the real coins. Add coins to the work area by clicking, dragging, and dropping them. You can also add numbers to the workspace. Add your own notes, draw pictures, and circle groups of coins with the pencil tool. Erase your pencil drawings with the eraser. Clear the workspace with the trash can button.\nHow can you use the virtual Australia coins for learning in the classroom?\n- Compare the values of Australia coins with other coins such as coins from the United States.\n- Challenge students to show $5 in Australian coins in 5 different ways.\n- Draw different items for sale using the pencil tool. Add prices for each. Then, ask students to “pay” for items using the correct online Australia coins.\nVisit classplayground.com for more money activities and printables.", "domain": "finance"}
{"url": "http://sunleyband.com/certainly-one-of-hfla-of-northeast-ohiov%D1%92s-15/", "date": "2021-01-18T15:50:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703515075.32/warc/CC-MAIN-20210118154332-20210118184332-00228.warc.gz", "language_score": 0.9610666036605835, "token_count": 835, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__61785417", "lang": "en", "text": "Our company is acutely passionate about it objective even as we usually make use of customers who possess dropped to the vicious cycle of payday loan financial obligation.\nOur Executive Director Michal Marcus appeared on NPR to go over loan that is payday reform and speak about HFLA’s make use of payday advances.\nThe next is adapted from that discussion. To listen to the conversation on your own, follow this link.\nExactly What Are Pay Day Loans?\nBased on the customer Financial Protection Bureau, a cash advance is a reasonably tiny amount of money lent at a higher rate of interest in the contract it will be paid back as soon as the debtor gets their next paycheck.\nCustomers frequently sign up for payday advances for a one-time unanticipated cost like a car or https://carolinapaydayloans.org truck fix or bill that is medical. Pay day loans became appropriate in Ohio in 1995 as soon as the pay day loan Act ended up being authorized.\nThe difficulty with Payday Advances\nPay day loans in Ohio frequently reach an effective rate of interest of almost 600%. The greatest price HFLA has seen is 789%, nevertheless the average the company sees ranges from 100% to 400% APR for starters loan.\nLoan providers additionally usually need borrowers to cover back once again the loans in a unrealistically brief timeframe, like a couple of weeks. In this case, the debtor frequently has two results:\n- They usually have the funds to cover the loan back, however the high rates of interest efficiently get rid of their paycheck, making these with absolutely nothing to go on for the following fourteen days.\n- They don’t have the income to cover back the mortgage, nevertheless they do have the funds to pay for right straight straight back the 2 days’ interest cost plus the loan provider merely rolls the mortgage over another fourteen days with gathering interest.\nThis results in a door that is revolving in which borrowers are taking out more pay day loans to pay for the debt they’re already in, often having 3-5 loans at the same time.\nIn Michal Marcus’s experience, payday loan providers additionally often result in the payback procedure difficult, refusing to take certified checks or asking additional to deliver checks for their offices that are corporate\nCash Advance Legislation\nIn 2008, Ohio lawmakers recognized the issues with pay day loans and tried to produce legislation to repair these problems.\nThey capped loan that is payday prices at 28%, capped maximum loan amounts, and declared that the period of loans could maybe maybe maybe not be not as much as 31 times.\nBut, payday loan providers discovered loopholes all over legislation by registering for certification underneath the Ohio Mortgage Lending Act or as a credit solution company. Today you will find 650 payday loan provider storefronts in Ohio and never one is registered beneath the 2008 legislation.\nOhio State Representative Kyle Koehler has proposed a fresh bill to completely clean within the 2008 cash advance legislation. The brand new bill will:\n- Close the credit solution certification loophole.\n- Limit loans to under $5,000.\n- Declare that the lending company cannot need the debtor to pay for right right back significantly more than 5% of the gross pay in a pay duration (effortlessly extending the re re re payment duration and preventing payback that is two-week).\n- Limit fees that are monthly a optimum of $20 or 5percent associated with the loan, whichever is more.\nThe payday financing reform bill, Ohio home Bill 123, happens to be assigned into the home Government Accountability & Oversight Committee, chaired by Rep. Louis “Bill’’ Blessing III, R-District 29, whom represents section of Hamilton County.\nFor information about how to guide this legislation, click on this link.\nJoin us within the battle against payday advances by showing your help for Ohio home Bill 123 ( website link) and also by becoming an HFLA donor. Donate now and determine exacltly what the bucks may do.", "domain": "finance"}
{"url": "https://shop4tele.com/pages/government-and-corporate-credit-terms", "date": "2024-03-02T07:13:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475757.50/warc/CC-MAIN-20240302052634-20240302082634-00262.warc.gz", "language_score": 0.9394927024841309, "token_count": 390, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__86346342", "lang": "en", "text": "At Shop4Tele, we understand the importance of providing flexible payment options to our valued customers. We are pleased to offer NET 30 credit terms to libraries, schools, government institutions, medical facilities, and qualified businesses. Our credit terms aim to simplify the purchasing process and streamline monthly expenses tracking.\nNET 30 Credit Terms:\nShop4Tele extends NET 30 credit terms to eligible customers, allowing you to pay off your orders within 30 days from the date of purchase. This provides you with the convenience of receiving the products and services you need promptly while giving you ample time to complete payment.\nLines of Credit:\nBy establishing a line of credit with Shop4Tele, you gain the benefit of greater financial flexibility. Our lines of credit enable you to place orders and pay them off gradually within the agreed-upon credit terms. This arrangement provides you with more control over your budget and helps you manage your cash flow effectively.\nPurchase Orders Requirement:\nTo process any NET 30 order, we require a valid purchase order (PO) from your organization. Purchase orders ensure proper documentation and serve as a formal agreement between our company and your institution. Please make sure to include all necessary details, such as billing and shipping addresses, contact information, item descriptions, quantities, and agreed-upon pricing.\nOnce we receive your purchase order, our dedicated team will review and process it promptly. We strive to fulfill all orders efficiently, ensuring that you receive your products and services in a timely manner. Our goal is to provide you with exceptional customer service and a seamless purchasing experience.\nQualifying for Credit Terms:\nOur team will assess your creditworthiness based on various factors, such as financial stability and payment history. Upon approval, you will have the option to establish a line of credit with Shop4Tele.\nIf you would like to apply for terms, please download our credit application and email it to firstname.lastname@example.org.", "domain": "finance"}
{"url": "https://www.garygitton.fr/cost-analysis-home-cooking-vs-dining-out-vs-meal-delivery/", "date": "2023-11-28T12:47:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099514.72/warc/CC-MAIN-20231128115347-20231128145347-00672.warc.gz", "language_score": 0.939553439617157, "token_count": 720, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__64315553", "lang": "en", "text": "The Financial Burden of Home Cooking\nLet’s delve into an example of a businessman living in an urban environment where the cost per square meter is high. Imagine you’re allocating 18% of your living space to the kitchen. For a spending of $3,000 per month on a decent-sized apartment, that’s about $540 dedicated to the kitchen. Managing meal preparations can take up a significant portion of your time – a precious resource as an entrepreneur where time is indeed money.\nIf you spend about 2 hours daily to prepare meals, with an average hourly rate of your time as $31 (assuming an annual salary of around $65,000), that’s a hefty daily cost of $62. Count in another $10 daily for groceries and utilities, the daily cost of home cooking comes up to $74.\nThe Alternatives: Eating Out vs. Meal Delivery\nAs an alternative, let’s consider eating out. With a city’s average meal cost ranging from $10 to $20, eating out twice a day would cost you between $20 and $40 daily. Without considering the opportunity cost of your time, this might look like a cost-effective alternative. Yet, remember that time spent commuting to and finding a restaurant and waiting for your order to be prepared shouldn’t be overlooked.\nConsidering meal delivery services, they typically charge between $15 and $30 for a meal for two. Ordering twice a day for yourself from DoorDash or Uber Eats would cost between $30 and $60 daily. While it might save you from the headaches of meal prep, it could bring another dilemma – What’s the point of maintaining that costly kitchen area if it’s not frequently utilized?\nHowever, it’s important to note that for individuals with food restrictions or allergies, the level of trust in ordering food falls a notch down. Many a time, the fear of cross-contamination lingers, thus subtracting from the overall meal enjoyment.\nBehold, the Magic of Batch Cooking\nIn contrast, if we switch our lens to batch cooking, the economy of scale comes to play. Let’s say the average cost of a meal goes down to $1.5 when cooked in bulk. If you choose this method of cooking twice weekly, your daily meal expense drops to roughly $6. That, along with your kitchen rent and utilities, can get you an overall daily cost of around $24.\nYou might wonder about the hefty time consumption. However, the reality is batch cooking often takes few extra minutes per meal than cooking single portions each time. Moreover, inviting friends over for meals at home becomes a more viable option, fostering networking and socializing without spending premium restaurant costs.\nCashing in on Communal Kitchens\nIn times when optimizing costs and space is critical, shared kitchens seem to score well. Especially for entrepreneurs emphasizing lean living, it aligns with the concept of the ‘sharing economy.’ Communal kitchens allow pooling of resources, fostering bulk purchase discounts and potential group cooking sessions, thus saving cost and time.\nIn conclusion, batch cooking paired with shared kitchen spaces can drastically cut down expenses and time in managing meals for urban entrepreneurs. It merges the goals of reducing costs, boosting social interactions, and promoting healthier meal choices. It’s high time urban dwellers reimagined the way they cook and eat, fitting in perfectly with their fast-paced, cost-optimized lifestyles.", "domain": "finance"}
{"url": "http://armstrongmccready.ca/CorporateProfile_ver_2.htm", "date": "2024-04-13T00:53:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816465.91/warc/CC-MAIN-20240412225756-20240413015756-00717.warc.gz", "language_score": 0.8548272848129272, "token_count": 179, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__90227991", "lang": "en", "text": "Armstrong McCready is a member of:\nArmstrong-McCready Inc. was incorporated in 1977 as an independent brokerage and consulting firm, specializing in Insurance and Financial services.\nAs independent brokers and consultants, we represent our client’s interests and we are not agents of any one insurance company or financial institution. This allows us to recommend the best choice for our clients.\nWith over 40 years experience, we provide the personal service that our client's require.\nWe are always available to personally assist our clients and answer any questions they may have.\n640 Bord Du Lac\nTel : 514-636-5351; Fax : 514-636-8268", "domain": "finance"}
{"url": "https://www.strictlyebusinessexpo.com/reaping-the-benefits-of-a-precious-metal-and-paper-currency-ira.html", "date": "2023-12-01T02:55:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00499.warc.gz", "language_score": 0.9357357621192932, "token_count": 561, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__9462196", "lang": "en", "text": "A Precious Metal and Paper Currency IRA is an investing strategy that can help you diversify your investments while still keeping up with the safety of a traditional IRA. This type of investment plan is appealing for many people because it offers tax-deferred growth, low-cost storage, and longevity. But what are the benefits? This blog post by RareMetalBlog will explore how a Precious Metal and Paper Currency IRA works in more detail to provide you with all the information that you need to make an informed decision about whether or not it’s right for you.\nBenefits of precious metals:\n- Precious metals have a low correlation with stocks: This means they can help diversify your portfolio.\n- Precious metals offer a hedge against inflation: Gold and silver have been used as currency for centuries because they maintain their value.\n- Precious metals are more liquid than less-liquid assets: You can sell your gold or silver quickly if the need arises.\n- Precious metals can be used as collateral: You may need to take out a loan, and you will have better luck if your assets are made of precious metal.\n- Precious metals can be easily stored: Storing gold and silver is very easy.\n- Precious metals are some of the safest investments available.\nBenefits of paper currency:\n- Paper currency is a haven during market crashes: Gold and silver prices tend to fall when the stock market falls, but that’s not always the case with paper money.\n- Paper currency is very liquid: You can trade paper money for gold or silver in an emergency.\n- Paper currency can be carried with you: You may need to leave your house in a hurry.\n- Paper currency can be used if there is an electrical outage: You will have no problems using cash at the ATM or in stores.\n- Paper currency is backed by the full faith and credit of the U.S.: This means that you can trust it to hold its value, unlike other currencies in foreign countries.\nWhat types of accounts can I open?\nThere are two main options for opening a precious metal IRA: traditional and Roth.\nTraditional IRA (or Paper Currency Individual Retirement Account). A regular paper currency or precious metals individual retirement account is suitable if you want to make contributions with pre-tax dollars and defer taxes until you withdraw the funds in retirement.\nRoth IRA (or Precious Metal Individual Retirement Account). A Roth IRA is an individual retirement account that accepts only post-tax contributions; withdrawals are tax-free. You can open either one on your own or with an advisor, such as Apex 401k LLC.\nIn conclusion, there are many benefits to having paper currency and precious metals in your retirement account.", "domain": "finance"}
{"url": "http://fernandowmdtj.collectblogs.com/9015703/phone-price-quotes-vs-in-house-estimates", "date": "2018-12-16T04:06:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376827252.87/warc/CC-MAIN-20181216025802-20181216051802-00394.warc.gz", "language_score": 0.9566909670829773, "token_count": 1046, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__102224061", "lang": "en", "text": "When acquiring estimates from moving business, you may discover that some movers do things in a different way than others. You may or may not be familiar with the three different kinds of price quotes that you get from a moving business - binding quotes, non-binding estimates, and binding not-to-exceed quotes.\nHowever how moving companies provide estimates also varies, and can considerably impact not only your preliminary quote, however the overall amount of money you pay for the relocation when whatever is said and done. Continue reading to find out the difference in between getting a quote over the phone or in-person at your home.\nHow phone estimates are carried out\nPhone quotes, while common, are not the preferred technique for receiving price quotes from a moving company for a variety of factors, except for under a handful of circumstances.\nThe walk through. Due to the fact that it looks like such an easy option, lots of people will contact a moving business and stroll the salesperson on the phone through all the rooms in their home, discussing the amount of furnishings, boxes, clothing, etc. that will be consisted of in the move.\nThe quote. The moving business then offers the customer with a quote, which is usually a really low quote that seems luring to the client.\nAll is well and great till the end of the move, when the customer gets the last bill and sees that it is nearly double the amount he was priced quote over the phone. While sometimes this situation is a part of a larger moving scams scam that is developed to deceive the client from the beginning and hold products captive up until he or she pays the complete amount, it can likewise be due to a truthful misconception of the full scope of the move.\nTo prevent both of these possible scenarios, it's typically best to prevent phone estimates completely.\nBenefits of phone quotes\nNaturally, just like anything, there are benefits and drawbacks to receiving an over-the-phone price quote. Here are some reasons why getting a phone quote might work much better for you:\nIt's quick and simple. Maybe the most obvious advantage to receiving a have a peek at this web-site phone quote is the fact that it's a lot more hassle-free to talk to an agent and receive a quote over the phone, instead of scheduling time for somebody to come to your house and have a look at all of your belongings-- particularly if you're hectic with your more info move preparation and do not have a lot of leisure time.\nYou're carrying on short notification and don't have time for an in-person quote. Obviously, this example is an uncommon scenario that may take place if you're forced to transfer on very brief notification. If you just got a promo and need to move across the country in 5 days to start training for your new position, your only option may be to receive an over-the-phone price quote.\nYour relocation is relatively little. Another time when an over-the-phone estimate may not be such a bad idea is when you don't have excessive things to take with you. It can be pretty tough to stock the contents of a large move over the phone, however if you're moving a small one-bedroom house with a number of boxes and pieces of furniture, a phone quote need to suffice.\nHow in-house price quotes are carried out\nIn-house quotes are normally more structured and effective when compared to phone quotes\nA customer will call up a moving company to ask for a quote. The sales representative on the phone will then set up a visit when the movers can come out to the consumer's home to take a look at the rooms and the products being moved.\nWhen the movers get to the clients home for the price quote, they will do a walk-through and go through each room extremely thoroughly, making notes of exactly what is consisted of in the move and estimating the overall weight of the delivery based on what the consumer is moving.\nFrom this careful surveying of your home, the movers get to an initial rate based upon all of the factors involved.\nAdvantages of internal estimates.\nHere are the advantages of internal price quotes:\nIt's accurate. Allowing the movers to come to your home and study your personal belongings gives them a better idea of what the move requires, allowing them to supply you with the most Check This Out precise estimate possible.\nGetting an accurate initial quote can possibly conserve you hundreds, in some cases even thousands, of dollars down the road. The movers will understand precisely what you will be moving and you won't be hit with any last-minute surprises on the moving day.\nYou will get to meet the movers in person. This is incredibly beneficial, as it enables you to evaluate specific elements of their business that you would not have the ability to merely by consulting with a sales representative over the phone.\nYou can evaluate their professionalism. Talking with them about the relocation and inquiring any relevant moving questions will permit you to evaluate their professionalism and understanding of the moving market. Understanding these things can save you from potential headaches in the future down the road.", "domain": "finance"}
{"url": "http://aaa4title.com/", "date": "2013-05-21T09:53:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368699856050/warc/CC-MAIN-20130516102416-00008-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9058846235275269, "token_count": 360, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__71540450", "lang": "en", "text": "Your Title Insurance and Closing choice for Pennsylvania, New Jersey, Delaware, Maryland and Florida\nAt All American Abstract, our team of experts are here to professionally, efficiently and quickly handle all of your Pennsylvania, New Jersey, Delaware, Maryland and Florida Real Estate Title Insurance and Closing needs. Whether you are a Consumer, Credit Union, Mortgage Banker, Mortgage Lender, Realtor or Attorney, we are committed to providing world-class personal service to ensure your Real Estate transaction is completed to the highest professional standards.\nFor over a decade, All American has been providing Residential and Commercial Real Estate Title Insurance and Settlements for Refinance and Purchase Transactions. We are a fully licensed Pennsylvania, New Jersey, Delaware, Maryland and Florida Title Insurance Agent, underwritten by the strong financial resources of Stewart Title Guaranty Company, one of the largest and most well respected Title Insurance underwriters in the Country. Some of our Title and Settlement Services throughout Pennsylvania, New Jersey, Delaware, Maryland and Florida include\n- Complete title insurance services for all real estate transactions\n- Residential Purchase and Refinance Transactions\n- Commercial Purchase and Refinance Transactions\n- Foreclosure title Searches\n- Escrow and disbursement services\n- Settlements/Closings Conducted anywhere and at anytime\n- Owned by a Practicing Attorney who focuses solely on Real Estate\n- Office staffed by friendly and knowledgeable professionals\nBy choosing All American for your Pennsylvania, New Jersey, Delaware, Maryland or Florida real estate title insurance needs, rest assured that you have a team of experienced professionals working together to provide you a cost-effective and stress-free transaction.\ncall (484) 924-8046.\nSERVICING THE ENTIRE STATES OF: PA, NJ, DE, MD & FL", "domain": "finance"}
{"url": "https://www.dubaidrums.com/events-booking", "date": "2024-04-14T17:00:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00386.warc.gz", "language_score": 0.7810951471328735, "token_count": 216, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__163525877", "lang": "en", "text": "Please select the types of vouchers that you wish to purchase and then the quantity of vouchers in each category will be required on the next page.\nPlease note that vouchers can not be purchased at the gate or meeting point and need to be organized before the event. Sales will be suspended at noon on the day of the Full Moon Desert Drumming if not sold out before.\nAccount Name : Jupiter Eclipse FZ LLC\nBank Name: First Abu Dhabi Bank ( National Bank of Abu Dhabi )\nBank Address: Mall Of the Emirates Branch, Dubai, UAE\nAccount Number: 1641323940082010 (Old Number : 6207390041)\nIBAN : AE060351641323940082010 ( Old IBAN : AE030350000006207390041)\nSWIFT Code: NBADAEAAXXX\nAll transfer charges will be paid by client\nFull Moon Desert Drumming\n26th October 2018 - 23rd November 2018 - 21st December 2018", "domain": "finance"}
{"url": "https://ftp.peoplescompany.com/listings/14120-iowa-hwy-25-guthrie-center-50115", "date": "2021-04-13T18:42:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038074941.13/warc/CC-MAIN-20210413183055-20210413213055-00135.warc.gz", "language_score": 0.9178003668785095, "token_count": 1261, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__115253224", "lang": "en", "text": "Peoples Company is proud to present 118 acres m/l of Guthrie County farmland that will be sold “Absolute” to the highest bidder at a live public auction on Thursday, March 29th, 2018. The auction will take place at 10:00 A.M. at the Guthrie County State Bank (Barnett Room) in Guthrie Center, Iowa. Farm includes approximately 97.61 cropland acres carrying a CSR2 of 56.8. Primary soil types include Shelby, Sharpsburg, and Colo silty clay loams. Additionally, there are two separate CRP contracts (CP-1 & CP-4D) with an annual payment of $8,337 (65.37 acres with an annual payment of $7,862 enrolled until 2020 and 3.91 acres with an annual payment of $475 enrolled until 2019). The farm would be a great add-on unit to an existing operation or an affordable purchase for a Beginning Farmer / Investor. This versatile property has a blend of income with future uses including CRP re-enrollment, livestock production, and recreational components with 20 acres m/l of timber draws with a creek bed flowing to the east into Brushy Creek. Property is nestled in Section 29 & 30 of Victory Township in Guthrie County, Iowa. The farm lease has been terminated and will be available for the 2018 crop season.\nThe North Half (N ½) of the Southeast Quarter (SE ¼) of Section Thirty (30), the Northwest Quarter of the Southwest Quarter (NW ¼ SW ¼) of Section Twenty-nine (29), all in Township Eighty (80) North, Range Thirty-one (31) West of the 5th P.M., Guthrie County, Iowa.\nFSA Cropland: 97.61 Acres\nCorn – 27.6 base acres with a PLC Yield of 112\nFarm is currently enrolled in ARC-CO. Wetland Determination has not been completed\nTotal CRP- 69.28 acres paying approximately $8,337 annually\nCP1- 65.37 acres paying $120.22 per acre or approximately $7,862 annually expiring in 2020\nCP4D- 3.91 acres paying $121.69 per acre or approximately $475 annually expiring in 2019\nFrom Guthrie Center, Iowa: Travel north on Iowa Highway 25 for 2 miles and property will be located on the right (east) side of Iowa Highway 25. Look for sign.\nGuthrie County Land Auction\n118 Acres M/L\nThursday, March 29th, 2018\nHayes Family ETAL - Attn: Barry Monaghan as Referee\nGuthrie County State Bank - Barnett Room\n413 State Street\nGuthrie Center, Iowa 50115\nAuction Method: Farm will be offered in one individual tract. All bids will be on a price per acre amount.\nFarm Program Information: Farm Program Information is provided by the Guthrie County Farm Service Agencies. The figures stated in the marketing material are the best estimates of the Seller and Peoples Company; however, Farm Program Information, base acres, total crop acres, conservation plan, etc. are subject to change when the farm is reconstituted by the Guthrie County FSA and NRCS offices.\nEarnest Money Payment: A 10% earnest money payment is required on the day of the auction. The earnest money payment may be paid in the form of cash or check. All funds will be held in the Peoples Company Trust Account.\nClosing: Closing will occur on or about Thursday, May 10th, 2018. The balance of the purchase price will be payable at closing in the form of cash, guaranteed check, or wire transfer.\nPossession: Full possession of the farm will be given at closing.\nFarm Lease: The current farm lease has been terminated. Farm will be open for crop year 2018.\nContract & Title: Immediately upon conclusion of the auction, the high bidder will enter into a real estate sales contract and deposit with Peoples Company the required earnest money payment. The Seller will provide a current abstract at their expense. Sale is not contingent upon Buyer obtaining financing.\nBidder Registration: All prospective bidders must register with Peoples Company and receive a bidder number in order to bid at the auction.\nOther: This sale is subject to all easements, covenants, leases, and restrictions of record. All property is sold on an “As is – Where is” basis with no warranties or guarantees, expressed or implied, made by the Auctioneer, Peoples Company, or the Seller. Peoples Company and its representatives are agents of the Seller. Winning bidder(s) acknowledge they are representing themselves in completing the auction sales transaction. Any announcements made auction day by the Auctioneer or Listing Agent will take precedence over all previous marketing material or oral statements. Bidding increments are at the sole discretion of the Auctioneer. No absentee or phone bids will be accepted at the auction without prior approval of the Auctioneer. All decisions of the Auctioneer are final. Existing fences, if any, are in as-is condition and will not be updated or replaced by the sellers.\nDisclaimer: All field boundaries are presumed to be accurate according to the best available information and knowledge of the Seller and Peoples Company. Overall tract acres, tillable acres, etc. may vary from figures stated in the marketing material and will be subject to change. Buyer(s) should perform their own investigation of the property prior to bidding at the auction. The brief legal descriptions in the marketing material should not be used in legal documents. Full legal descriptions will be taken from abstract.\nBrokers Protected: Clients must be registered with a listing broker at least 48 hours prior to start of auction. Participating brokers please contact auctioneer for details and forms.\nUse the Interactive Map to explore the property's regional location. Zoom in and out to see the property's surroundings and toggle various mapping layers on and off in the Map Layer Menu.\nClick the “play” button below to watch an aerial drone video of this property.", "domain": "finance"}
{"url": "http://kingsuniversity.edu.ng/index.php/news/disclaimer-alert.html", "date": "2020-07-04T01:17:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655883961.50/warc/CC-MAIN-20200704011041-20200704041041-00383.warc.gz", "language_score": 0.9329504370689392, "token_count": 167, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__92244201", "lang": "en", "text": "It has been brought to the attention of the Management of Kings University, Odeomu that some persons are impersonating as staff, agent or representative of Kings University on WhatsApp and others social media, demanding payment from applicants.\nThis is to inform the general public that Management of Kings University dissociates itself from such individuals and persons and that the University does not collect cash or transfer of funds for any payment through account/s. Anyone who does business with the impersonator does so at his or her own risk.\nYou are reminded that all applications and payments should be through the admission portal at www.kingsuniversity.edu.ng using ATM cards suitable for such transactions or contact us for further information through e-mail firstname.lastname@example.org.\nDorothy Salami (Mrs.)", "domain": "finance"}
{"url": "https://www.servproboydcartergreenuplewiscounties.com/blog/post/114009/fire-smoke-damage-restoration/renters-insurance", "date": "2023-02-05T05:13:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500215.91/warc/CC-MAIN-20230205032040-20230205062040-00109.warc.gz", "language_score": 0.9389272332191467, "token_count": 250, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__287370526", "lang": "en", "text": "The number of renters has grown dramatically in some of the most populous—and disaster-prone—U.S. cities, yet few renters actually purchase insurance, according to theInsurance Information Institute(I.I.I.)\nIndeed, only 37 percent of renters have renters insurance whereas 95 percent of homeowners have a homeowners insurance policy, according to a 2014 I.I.I. poll conducted by ORC International.\n“Renters insurance provides a very important financial safety net when there is a disaster,” points out Jeanne M. Salvatore, senior vice president and chief communications officer for the I.I.I. “And, renters insurance is relatively inexpensive—the average cost of a renter’s policy is only $187 per year, or less than four dollars per week.”\nIf you own expensive jewelry, collectibles, musical instruments or even high-end sports equipment, you may want to add a floater or endorsement to your renters policy. This would provide broader coverage for risks such as “mysterious disappearance.” So even if you lose the item, you would be covered.", "domain": "finance"}
{"url": "https://bluepointmg.com/management-services/", "date": "2023-09-27T16:22:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510300.41/warc/CC-MAIN-20230927135227-20230927165227-00511.warc.gz", "language_score": 0.9666725397109985, "token_count": 205, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__149759990", "lang": "en", "text": "Bluepoint offers a range of payment options to residents; rents can be paid using personal checks, cashier’s checks, money orders, or straight deposit into our JP Morgan Chase account. We also have the ability to set up an on-line payment option or automatic withdrawal through the tenant’s bank.\nOnce we receive rent payments, our accounting staff applies any funds needed to cover potential vendor work during the month and the remaining portion will be remitted to the property owner through an electronic funds transfer. We understand the importance of receiving rent payments quickly as many of our clients rely on this money to cover their mortgage.\nThe owner will receive an email when the funds have been disbursed along with a monthly accounting statement.\nWhile it is rare, problems can arise in the process of collecting rent payments. In the event that a legal process is needed, we initiate those services on your behalf and remain in close contact with all parties involved until the problem is resolved and all funds are received in full.", "domain": "finance"}
{"url": "https://saintandrewamec.org/giving-payments/", "date": "2021-07-31T19:44:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154099.21/warc/CC-MAIN-20210731172305-20210731202305-00436.warc.gz", "language_score": 0.8494971990585327, "token_count": 200, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__46611173", "lang": "en", "text": "- Enter your contribution allocation by providing the desired amount next to the line item(s) of choice.\n- Once completed entering all the desired amounts, click the “Calculate Total” button.\n- [OPTIONAL] Enter the name you want to record the contribution allocation in the “Name To Record” box.\n- Once the total has been calculated, then click the “Enter Payment” button to enter your payment information.\n- You do not have to have a PayPal account. Click here for instructions on how to checkout with a Credit Card via PayPal.\nWe thank you for your generous contribution to the ministry of St. Andrew A.M.E. Church. While we acknowledge your designation of funds, please be advised that the Official Board reserves the right to reallocate funds to specific areas of need.\nDon’t have a PayPal account? Click here for instructions on how to checkout with a Credit Card via PayPal.", "domain": "finance"}
{"url": "https://www.neighborworksstore.org/books/9780999648001", "date": "2024-04-18T07:35:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817200.22/warc/CC-MAIN-20240418061950-20240418091950-00480.warc.gz", "language_score": 0.9366111755371094, "token_count": 307, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__199006848", "lang": "en", "text": "Realizing the American Dream is the definitive resource for prepurchase homeownership education. Developed by industry experts and relied on by thousands of housing counselors as the basis for their training curriculum, the manual covers the entire homeownership process and supports all the milestones for successful home purchase. More user-friendly than ever, this invaluable publication provides your clients with critical, updated information on credit and mortgage financing practices, as well as key regulatory updates. Specific sections of content include:\n- Are You Ready to Buy a Home -- assessing your financial outlook, setting financial vision, making a financial action plan\n- Managing Your Money – budgeting and saving\n- Understanding Credit – learning about credit related to homeownership, protecting credit and knowing your rights\n- Obtaining a Mortgage – how to qualify, understanding the variety of products, accessing assistance and working through the process with a lender\n- Shopping for a Home – analyzing the neighborhoods and housing options, working with an agent, making an offer and working through the closing process\n- Protecting Your Investment – managing your home and your money after your purchase, understanding refinancing, and avoiding foreclosure\nThe publication comes complete with template forms and planning tools homeowners can work with hands-on to effectively navigate the often overwhelming homebuying process.\nRealizing the American Dream is available in the following versions and languages:\nE-book/digital: English, Spanish, French, Vietnamese, traditional Chinese and simplified Chinese\nSpiral-bound hard copy: English, Spanish; other languages coming soon!", "domain": "finance"}
{"url": "http://brooklynactingschool.com/register/", "date": "2018-06-24T03:12:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267866191.78/warc/CC-MAIN-20180624024705-20180624044705-00395.warc.gz", "language_score": 0.9404253363609314, "token_count": 98, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__141953062", "lang": "en", "text": "Please fill out the registration form below to enroll in our Fall 2017 Session. Once you have filled out the form below we will call to complete registration and process payment. There is a $100 non-refundable deposit required to hold your spot in one of our Wednesday classes with full payment due by August 14, 2017. For the workshops we require full payment at the time of registration. All payments are taken over the phone with a credit card after we receive the completed registration form below.", "domain": "finance"}
{"url": "https://www.belgraviamortgagesltd.co.uk/mortgages", "date": "2021-11-30T17:17:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964359065.88/warc/CC-MAIN-20211130171559-20211130201559-00625.warc.gz", "language_score": 0.9347209334373474, "token_count": 127, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__65453335", "lang": "en", "text": "mortgages (& remortgage)\nAs independent mortgage advisors, we are able to search the whole of the market to find you the best solution.\nWe manage the whole process from start to finish:\nresearch and mortgage sourcing\nliaison between estate agents, solicitors and the lenders.\nWe can take care of everything, right through to completion. We also offer a remortgage service enabling our clients to take advantage of the equity tied up in the property and also to stay on the best available mortgage rates after their current deal expire.", "domain": "finance"}
{"url": "https://gogogadgetonline.co.uk/products/star-wars-money-bank-r2d2", "date": "2024-04-22T06:40:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818081.81/warc/CC-MAIN-20240422051258-20240422081258-00526.warc.gz", "language_score": 0.8493964672088623, "token_count": 164, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__66220028", "lang": "en", "text": "STAR WARS - Money Bank - R2D2\nSave your hard-earned galactic credits with this STAR WARS R2D2 money bank! This quirky and fun bank adds a playful touch to your savings. R2D2 not only protects your money, but also brings a smile to your face every time you deposit or withdraw. No Jedi mind tricks needed here!Check out our Star Wars busts money banks! This money bank with R2D2, the famous droide, will delight the kids. And for adults, it also found its place as a decorative figure.\n- Material : Vynil PVC\n- Dimensions : height 16,5 cm\n- Packaging : in cardboard with window. Protect the money bank while providing a good product visibility\n- Character : R2D2", "domain": "finance"}
{"url": "https://www.ourismanchantillytoyota.com/global-incentives/request-form.htm?selectedAccountId=ourismanchantillytoyotascion&globalVehicleId=US2022TOY7500a1b4c3e2fd3c5275fa8&selectedIncentiveId=42ec3477ac18385b5000ca07bfd9b9bb&incentiveId=42ec3477ac18385b5000ca07bfd9b9bb&parentPageAlias=INCENTIVES_SEARCH_DETAIL", "date": "2022-08-08T17:32:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570868.47/warc/CC-MAIN-20220808152744-20220808182744-00694.warc.gz", "language_score": 0.9247209429740906, "token_count": 145, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__87030172", "lang": "en", "text": "Ourisman Chantilly Toyota makes every effort to provide accurate information. All vehicles are subject to prior sale. All prices are special internet prices only. All financing is subject to bank credit approval. All prices exclude taxes, tags, and processing fee of $899. The \"Ourisman Unlock Today's Special Price\" includes all applicable rebates and incentives. Additional conditional rebates and incentives, such as Military or College Graduate programs, may apply for those who qualify. \"Ourisman's Unlock Today's Special Price\" pricing may not be compatible with factory subveened financing. \"Ourisman's Unlock Today's Special Price\" pricing has an expiration date that coincides with the manufacturer's incentive end date. See dealer for details.", "domain": "finance"}
{"url": "https://bta.wa.gov/index.php/excise-appeal/", "date": "2024-04-15T11:42:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816977.38/warc/CC-MAIN-20240415111434-20240415141434-00243.warc.gz", "language_score": 0.9284118413925171, "token_count": 311, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__191780092", "lang": "en", "text": "Excise Tax Appeal\nThe term excise tax includes retail sales tax, use tax, business and occupation tax, and similar taxes administered by the Department of Revenue.\nYou may appeal an excise tax assessment from the Department of Revenue, or a denial of a request for a refund of excise taxes paid, to the State Board under RCW 82.03.190. This statute requires you to complete the Department’s administrative review process before you appeal to the State Board. If you have not filed a petition with the Department of Revenue, you can do so here.\nImportant: You must file your appeal with the State Board within 30 days of the date the Department mails its administrative review determination to you. If you ask the Department to reconsider its determination as authorized under WAC 458-20-100, you may file your appeal with the State Board within 30 days after the Department mails its response to your reconsideration request. Note: if you abandon a reconsideration request with the Department, you may lose your right to appeal to the State Board. See BTA Docket No. 15-116, Bestbuy.com v. DOR (2016).\nAdditional Information / Questions\n- For excise tax appeal forms, see our Forms and Publications page.\n- Additional information may be available on our Appeals FAQ page.\n- The State Board’s administrative rules are located in Chapters 456-09 and 456-10 of the Washington Administrative Code.\n- You can search previous State Board decisions at our decisions page.", "domain": "finance"}
{"url": "https://www.competitiontribunal.gov.au/decisions/year/2010/acompt-2010?sq_content_src=%2BdXJsPWh0dHBzJTNBJTJGJTJGd3d3Lmp1ZGdtZW50cy5mZWRjb3VydC5nb3YuYXUlMkZqdWRnbWVudHMlMkZKdWRnbWVudHMlMkZ0cmlidW5hbHMlMkZhY29tcHQlMkYyMDEwJTJGMjAxMGFjb21wdDAwMTImYWxsPTE%3D", "date": "2022-09-25T08:31:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334515.14/warc/CC-MAIN-20220925070216-20220925100216-00412.warc.gz", "language_score": 0.9290876388549805, "token_count": 5068, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__157360462", "lang": "en", "text": "AUSTRALIAN COMPETITION TRIBUNAL\n(Non-system property capital expenditure) (No 4)  ACompT 12\nApplication by Ergon Energy Corporation Limited\n(Non-system property capital expenditure) (No 4)\n ACompT 12\nAustralian Energy Regulator\n3 of 2010\nMIDDLETON J (DEPUTY PRESIDENT),\nMR R DAVEY AND MR R SHOGREN\nDate of decision:\nNumber of paragraphs:\nSolicitor for Ergon Energy Corporation Limited:\nMinter Ellison Lawyers\nCounsel for Australian Energy Regulator:\nMr P Hanks QC with Mr Gray, Mr T Clarke and\nMr L Merrick\nSolicitor for Australian Energy Regulator:\nCorrs Chambers Westgarth\nFILE NO 3 of 2010\nAPPLICATION UNDER SECTION 71B OF THE NATIONAL ELECTRICITY LAW FOR A REVIEW OF A DISTRIBUTION DETERMINATION MADE BY THE AUSTRALIAN ENERGY REGULATOR IN RELATION TO ERGON ENERGY CORPORATION LIMITED PURSUANT TO RULE 6.11.1 OF THE NATIONAL ELECTRICITY RULES\nERGON ENERGY CORPORATION LIMITED\n(ACN 087 646 062)\nMIDDLETON J (DEPUTY PRESIDENT),\nMR R DAVEY AND MR R SHOGREN\n24 DECEMBER 2010\nREASONS FOR DECISION:\nNON-SYSTEM PROPERTY CAPITAL EXPENDITURE\n1 These reasons deal with the non-system property capital expenditure (‘capex’). The expressions employed in these reasons are the same as employed in earlier decisions the subject of the current review.\n2 In its Regulatory Proposal, Ergon Energy proposed a total forecast of $266 million for non-system property capex for the next regulatory control period.\n3 In the Draft Decision, the AER noted that Ergon Energy had not provided business case documentation or other supporting documentation for the major construction projects included in its proposed non-system property capex. The AER concluded that Ergon Energy had not adequately demonstrated the prudence and efficiency of the program of proposed building works – for example, through a clear exposition of the consideration of options, prioritisation of projects or cost–benefit analysis underpinning the proposed program. The AER proposed to allow Ergon Energy an amount of non-system property capex which reflected a “business as usual” approach, based on the removal from the capex proposal of costs associated with the major building projects.\n4 In its Revised Regulatory Proposal, Ergon Energy proposed a revised forecast of $263.8 million for non-system property capex. Together with its Revised Regulatory Proposal, Ergon Energy submitted assessment reports and business cases to the AER in relation to non-system property capex proposals for sites at Townsville, Cairns, Hervey Bay, Maryborough, Rockhampton and Mackay.\n5 In the Final Decision, the AER concluded that Ergon Energy had demonstrated that its proposed capex for the Cairns, Hervey Bay, Maryborough and Mackay projects was prudent and efficient, but that it had not demonstrated that the proposed capex for the Townsville and Rockhampton projects was prudent and efficient. The AER therefore removed the proposed cost of the Townsville and Rockhampton projects from Ergon Energy’s proposed non-system capex forecast.\n6 The grounds of review advanced by Ergon Energy relate to the AER’s refusal to accept Ergon Energy’s capex proposals for the Townsville and Rockhampton projects.\n7 The AER acknowledged that it erred in exercising its discretion under cl 6.12.3 of the Rules by not allowing any capex in respect of the Townsville and Rockhampton projects.\n8 The AER accepted that, to fulfil the requirements of cl 6.12.3(f)(1) and (2) of the Rules, it should have arrived at a substitute value for Ergon Energy’s non-system property capex requirement by allowing the cost of the “business-as-usual” proposal advanced in Ergon Energy’s business case analyses for those two sites.\n9 Accordingly, the AER submitted that the appropriate order for the Tribunal to make was to vary the amount of Ergon Energy’s capex requirement in the Final Decision by including the value of Ergon Energy’s “business-as-usual” proposals for those two sites.\n10 The AER maintained that its decision not to accept the full amount of Ergon Energy’s forecast non-system property capex requirements for the Townsville and Rockhampton sites was not affected by error.\nTHE STATUTORY BACKGROUND\n11 Clause 6.5.7(a) of the Rules requires a distribution network service provider (‘DNSP’) to include in its building block proposal a forecast of its total capex for the forthcoming regulatory control period:\nA building block proposal must include the total forecast capital expenditure for the relevant regulatory control period which the Distribution Network Service Provider considers is required in order to achieve each of the following (the capital expenditure objectives):\n(1) meet or manage the expected demand for standard control services over that period;\n(2) comply with all applicable regulatory obligations or requirements associated with the provision of standard control services;\n(3) maintain the quality, reliability and security of supply of standard control services;\n(4) maintain the reliability, safety and security of the distribution system through the supply of standard control services.\n12 Clause 6.12.1(3) of the Rules provides that a distribution determination shall include a constituent decision in relation to the forecast capex included in a building block proposal (‘the capex constituent decision’):\nA distribution determination is predicated on the following decisions by the AER (constituent decisions):\n(3) a decision in which the AER either:\n(i) acting in accordance with clause 6.5.7(c), accepts the total of the forecast capital expenditure for the regulatory control period that is included in the current building block proposal; or\n(ii) acting in accordance with clause 6.5.7(d), does not accept the total of the forecast capital expenditure for the regulatory control period that is included in the current building block proposal, in which case the AER must set out its reasons for that decision and an estimate of the total of the Distribution Network Service Provider’s required capital expenditure for the regulatory control period that the AER is satisfied reasonably reflects the capital expenditure criteria, taking into account the capital expenditure factors;\n13 In the event that the AER decides not to accept the forecast capex amount proposed by a DNSP, the capex constituent decision comprises two limbs, namely:\n(a) the AER’s decision not to accept the amount proposed by the DNSP; and\n(b) the AER’s decision as to the appropriate substitute value.\n14 Clause 6.5.7(c)-(e) of the Rules governs the first limb of the capex constituent decision (identified above):\n(c) The AER must accept the forecast of required capital expenditure of a Distribution Network Service Provider that is included in a building block proposal if the AER is satisfied that the total of the forecast capital expenditure for the regulatory control period reasonably reflects:\n(1) the efficient costs of achieving the capital expenditure objectives; and\n(2) the costs that a prudent operator in the circumstances of the relevant Distribution Network Service Provider would require to achieve the capital expenditure objectives; and\n(3) a realistic expectation of the demand forecast and cost inputs required to achieve the capital expenditure objectives.\n(the capital expenditure criteria)\n(d) If the AER is not satisfied as referred to in paragraph (c), it must not accept the forecast of required capital expenditure of a Distribution Network Service Provider.\n(e) In deciding whether or not the AER is satisfied as referred to in paragraph (c), the AER must have regard to the following (‘the capital expenditure factors’):\n(1) the information included in or accompanying the building block proposal;\n(2) submissions received in the course of consulting on the building block proposal;\n(3) analysis undertaken by or for the AER and published before the distribution determination is made in its final form;\n(5) the actual and expected capital expenditure of the Distribution Network Service Provider during any preceding regulatory control periods;\n15 In the event that the AER refuses to approve the amount of capex proposed by a DNSP, in relation to the second limb of the capex constituent decision (identified above) cl 6.12.3(f) of the Rules provides:\nIf the AER refuses to approve an amount or value referred to in clause 6.12.1, the substitute amount or value on which the distribution determination is based must be:\n(1) determined on the basis of the current regulatory proposal; and\n(2) amended from that basis only to the extent necessary to enable it to be approved in accordance with the Rules.\n16 The grounds advanced by Ergon Energy focused attention on the capex criteria under cl 6.5.7(c) of the Rules.\n17 The Tribunal accepts that there is no one correct answer to the question of what are the “efficient”, “prudent” and “realistic” costs of achieving a DNSP’s capex objectives, since there is no single objective question. Rather, the terms used in cl 6.5.7(c) of the Rules call for evaluation of the particular situation. Moreover, what are “efficient costs” and what is “prudent” are abstract concepts. Making an evaluation as to what are efficient costs and what costs are prudently incurred requires the decision-maker to undertake a process of assessment by reference to relevant considerations, factors or criteria.\nPROPOSED CAPEX FOR TOWNSVILLE AND ROCKHAMPTON\n18 The AER concluded that Ergon Energy had not demonstrated that the proposed capex for the Townsville and Rockhampton projects was prudent and efficient, because:\n(a) the dollars per weighted ‘key result areas’ (‘KRAs’) point scores for Townsville and Rockhampton were significantly higher than the scores for the other four sites, which was taken to indicate that there was a substantially higher cost of achieving non-financial benefits at the Townsville and Rockhampton sites;\n(b) the results of Ergon Energy’s business case analyses for Townsville and Rockhampton were sensitive to the assumed weighting between financial and non-financial criteria; and\n(c) Ergon Energy had not considered any alternative development proposals for those two sites, other than “Scenario 2” and the business-as-usual scenario referred to in the business cases.\n19 To justify its proposed capex for each of the six major projects, Ergon Energy prepared case studies that compared a “business-as-usual” or “incremental development” proposal (referred to as ‘Scenario 1’) with a “transformational development” proposal (referred to as ‘Scenario 2’) for each site. Ergon Energy attributed a score for the “comparative commercial performance” for each scenario assessed on a discounted cash flow basis. The case studies also attributed a score for the non-financial performance for each scenario. This score was broken down among various KRAs. Based on the scores given to each scenario for each site by Ergon Energy, and the relative weightings for the commercial and non-financial KRAs that Ergon Energy applied (40% for commercial performance and 60% for non-financial performance), the outcome of each case study was that Scenario 2 achieved a higher overall score.\n20 One of the criticisms that Ergon Energy advanced is that the AER’s approach of comparing the implied dollar value of non-financial benefits across the six major projects was irrational because the non-financial benefits differed significantly from project to project, and the scores given by the business case analyses for each site were not comparable between sites.\n21 The AER noted that Ergon Energy applied different quantitative scales for the commercial performance parameter in each business case.\n22 The AER accepted that, because Ergon Energy has derived an overall KRA score by adding the financial and non-financial KRA score, it must therefore follow that the implied scale that Ergon Energy applied to the non-financial criteria must also have differed from one business case study to the next.\n23 The AER therefore accepted that the KRA scores (for both commercial performance and non-financial criteria) produced by Ergon Energy’s business cases were not objectively comparable across the six projects. Accordingly, the dollars per weighted non-financial KRA point comparison that the AER referred to in its Final Determination did not provide an objectively consistent comparison of relative cost-efficiency across the six projects.\n24 The AER noted that Ergon Energy purported to rely on the business case analyses for the purpose of its own prioritisation of the six major non-system property projects. In light of the idiosyncratic scaling that Ergon Energy adopted for each of its business cases, the AER did not understand how the business cases could meaningfully have been used for that purpose.\n25 Accepting that Ergon Energy’s business cases only enable a comparison to be made between the business-as-usual scenario and Scenario 2 for each site, the AER therefore sought to assess the relative cost-efficiency of the alternative proposals for each site by calculating the implied cost (on the dollars per non-financial weighted KRA point measure) of obtaining the non-financial benefits assessed by Ergon Energy for each scenario individually. That analysis produced the following results:\nDollars ($m) per weighted non-financial KRA point\n26 The AER noted that, for both the Townsville and Rockhampton sites, the implied cost of obtaining an additional KRA point was very significantly higher for Scenario 2 than for the business-as-usual scenario. Accordingly, the above results were said to confirm the conclusion that the AER arrived at in the Final Determination, namely, that Ergon Energy had not demonstrated that its capex proposals for Townsville and Rockhampton were efficient.\n27 Therefore, it was submitted by the AER that even though Ergon Energy’s business cases did not provide a proper basis for the dollars per weighted KRA point comparison between projects that the AER relied on in the Final Determination, the AER was nonetheless correct in determining that the capex proposed by Ergon Energy for the Townsville and Rockhampton sites was not efficient, and did not therefore reasonably reflect the capex criteria.\n28 The AER did note that the analysis above indicated that Ergon Energy’s preferred redevelopment proposals for Cairns, Hervey Bay and Maryborough were also less cost-efficient than the business-as-usual scenarios for those sites.\n29 The table referred to above was relied upon by the AER because of the divergence between business-as-usual and Scenario 2, in respect of Townsville and Rockhampton. It has been assumed by both Ergon Energy and the AER that the business-as-usual case and Scenario 2 both achieved capex objectives.\n30 The only question left to the Tribunal to decide (accepting as it does that the AER made a reviewable error) is how to vary the determination.\n31 As already indicated, cl 6.12.3(f) requires that, once the AER has refused to approve the amount of the forecast capex provided in a DNSP’s building block proposal, it must determine a substitute value for capex that is:\n(a) determined on the basis of the current regulatory proposal; and\n(b) amended from that basis only to the extent necessary to enable it to be approved in accordance with the Rules.\n32 Accordingly, the substitute value for capex determined by the AER was required to be determined on the basis of Ergon Energy’s current regulatory proposal and amended from that basis only to the extent necessary for the AER to be satisfied that the substitute amount of capex reasonably reflects the capex criteria, taking into account the capex factors.\n33 The AER accepted that, having acknowledged in the Final Determination that it would be prudent for Ergon Energy to address the safety and capacity issues identified in the site assessment reports for Townsville and Rockhampton, Ergon Energy’s non-system property capex allowance would satisfy the capex criteria if that amount reasonably reflected the efficient costs of addressing the safety and capacity issues for those sites.\n34 The business case analyses for the Townsville and Rockhampton sites that Ergon Energy submitted with its Revised Regulatory Proposal did consider a business-as-usual scenario as an alternative means of “address[ing] the identified problem” at each site.\n35 The AER submitted that it would have exercised its discretion correctly in the Final Determination if it had allowed the capex associated with Ergon Energy’s business-as-usual proposals for the Townsville and Rockhampton sites. This was then the approach pressed upon the Tribunal.\n36 However, it is now for the Tribunal to determine the appropriate non-system property capex. If necessary the Tribunal can consider new information and material – see s 71R(3) of the NEL.\n37 Whilst the Tribunal is confined by the NEL and the Rules in making its determination, this is subject to the role the Tribunal has under the NEL.\n38 Under the NEL, the Tribunal may perform all the functions and exercise all the powers of the AER under the NEL or the Rules - see s 71P(3) of the NEL. However, in addition, the Tribunal has its own functions to perform and powers to exercise – eg see s 71P(1), (2) and s 71R(3) of the NEL.\n39 The materials before the Tribunal in the form of the business case analyses and property strategy, in addition to indicating future proposals for development, show substantial differences and staff levels between each site. The Tribunal is satisfied that such material explains the divergence in the analysis of figures relied upon by the AER and referred to in  above.\n40 The Townsville and Rockhampton projects involve transformational development, including large scale redevelopment of core property assets to enable a rationalisation of locations, building assets and workplace interfaces. For instance:\n(a) the Townsville project involves commencing development of the Ingham Rd site, a greenfield site which will house 550 staff once the development is complete; and\n(b) the Rockhampton project involves progressive redevelopment of 10.3 hectares of the Glenmore Rd depot site which will grow from 170 to 370 staff over the regulatory control period.\n41 This may be contrasted with the Cairns project which only involves construction of a warehouse and associated external works at Swallow Rd during this regulatory period.\n42 There are other reasons why the cost of achieving non-financial benefits for some projects will necessarily exceed the average cost of achieving those benefits over all projects. The cost of building a staff amenity in the Brisbane CBD may be higher than building an identical staff amenity in Rockhampton. In both cases, the non-financial benefits may be identical, but the Brisbane project will have a higher cost per weighted KRA index point. It does not follow that the Brisbane project is inefficient simply because its benefits are more costly to realise.\n43 It is also not correct to assume that a project is less cost efficient because it has a higher cost of generating a weighted KRA index point. For a network such as Ergon Energy's, this is not a logical or reasonable conclusion. Ergon Energy was created in 1999 through the merger of six separate Queensland electricity corporations. Its network coverage extends over 1,698,100 square kilometres and includes such geographically disparate regions as Far North Queensland, North Queensland, Mackay, Capricornia, Wide Bay and South West. In such a network, it is not logical to compare a proposal to build a warehouse in rural Queensland with a proposal to build an identical warehouse in an urban area. A project in the rural area may be less costly than one in an urban area in all circumstances. This does not mean that the proposal in the urban area is not efficient.\n44 Therefore, the Tribunal does not accept that the AER’s approach necessarily indicates that the estimates put forward by Ergon Energy in relation to Townsville and Rockhampton are inappropriate. It is to be recalled that the AER regarded Ergon Energy’s approach in considering other sites or projects as reasonable and accepted that Ergon Energy had demonstrated that its proposed capex was prudent and efficient. Based upon the methodology (including the reliance on the KRAs) accepted by all parties, the Tribunal sees no justification for taking a different approach between Townsville and Rockhampton on the one hand and the other major sites or projects on the other.\n45 The Tribunal makes a further observation. The parties have accepted the KRA methodology for the purposes of this review. The Tribunal is prepared to adopt this methodology in this review. However, the Tribunal should not be seen as necessarily endorsing this methodology as being appropriate to demonstrate a proposed capex for a particular site or project is prudent and efficient.\n46 Therefore, the Tribunal will not vary the decision as suggested by the AER in allowing the amount of expenditure required for the “business as usual” proposal for each of the Townsville and Rockhampton sites.\n47 However, it is not yet satisfied that the proper way to proceed is to make the variation suggested by Ergon Energy by increasing the non-system property component of capex by Ergon Energy’s estimate of the cost of projects planned in Townsville and Rockhampton.\n48 The Tribunal would be assisted by a short written submission by the AER on whether (in light of the above reasons and the submissions made by Ergon Energy during the hearing) the Tribunal should accept the estimate of Ergon Energy, or whether further information or material as to the estimates should be sought prior to the Tribunal making a final decision.\n49 If the AER does not consider the Tribunal should accede to Ergon Energy’s estimates then a short directions hearing may need to be convened to consider the further disposition of this issue.\n50 The Tribunal directs that the parties confer and notify the Tribunal as to their joint or respective positions no later than 4:00pm on Monday 31 January 2011.", "domain": "finance"}
{"url": "https://webstigma.com/about/", "date": "2023-11-30T00:57:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100164.15/warc/CC-MAIN-20231130000127-20231130030127-00591.warc.gz", "language_score": 0.916182279586792, "token_count": 600, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__293962641", "lang": "en", "text": "Welcome to our comprehensive online platform, where we bring you the latest and most insightful updates in the world of Financial Technology (FinTech) News and Marketing. Our website serves as a valuable resource for professionals, enthusiasts, and anyone seeking to stay ahead in the ever-evolving landscape of finance and technology.\nAt our core, we understand the immense impact that technology has on the financial industry. With the rapid advancements in digital innovation, FinTech has emerged as a game-changer, revolutionizing the way we think, operate, and engage with financial services. Our mission is to keep you informed and empowered, arming you with the knowledge and strategies needed to navigate this dynamic field.\nOur dedicated team of experts scours the industry for the most relevant and up-to-date news, ensuring that you are always at the forefront of the latest trends and developments. From groundbreaking technological advancements to regulatory changes and market insights, we provide comprehensive coverage of the FinTech ecosystem. Whether you are a financial professional, a technology enthusiast, or simply someone curious about the intersection of finance and technology, our platform has something for everyone.\nOne of the key pillars of our website is our focus on marketing within the FinTech industry. We recognize that effective marketing plays a crucial role in the success of FinTech companies and the adoption of innovative financial solutions. Our platform offers a wealth of resources and articles specifically tailored to FinTech marketing strategies, including case studies, best practices, and expert analysis. Stay informed on the latest marketing techniques, customer acquisition strategies, branding, and digital campaigns that are driving success in the FinTech space.\nIn addition to our news and marketing coverage, we offer a range of features designed to enhance your experience. Dive deeper into the world of FinTech through our in-depth articles and thought leadership pieces, where industry experts share their insights and perspectives on the challenges and opportunities in the field. Explore our curated selection of interviews with prominent figures in the FinTech industry, providing valuable firsthand experiences and wisdom.\nWe understand that networking and community engagement are essential in any industry, especially in FinTech. That’s why we provide a platform for professionals and enthusiasts to connect, collaborate, and exchange ideas. Join our vibrant community through interactive forums, discussion boards, and networking events, where you can connect with like-minded individuals, share your thoughts, and foster meaningful relationships.\nWhether you’re a FinTech enthusiast seeking to expand your knowledge, a professional looking to stay ahead in the industry, or a marketer aiming to unlock new opportunities, our website is your go-to destination. We strive to be the ultimate resource for all things related to FinTech news and marketing, empowering you to navigate the ever-changing landscape of finance and technology with confidence.\nStay tuned, explore our extensive content, and join our community as we embark on this exciting journey at the forefront of financial technology and marketing innovation. Together, let’s shape the future of finance.", "domain": "finance"}
{"url": "https://ancor.ua/en/vacancy/job/61385e41a9286d00117bcad4/", "date": "2021-10-16T18:08:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323584913.24/warc/CC-MAIN-20211016170013-20211016200013-00191.warc.gz", "language_score": 0.8703356981277466, "token_count": 309, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__151258720", "lang": "en", "text": "Job reference number: 61385e41a9286d00117bcad4\nReporting Analyst (Finance)\n- Prepare monthly/quarterly/annual IFRS-based financial reports for management, incl. in-depth variance analyses;\n- Prepare various management reports and ensure they are updated and submitted as per deadlines;\n- Analyze transactional processes and identify areas where additional accuracies and efficiencies can be achieved;\n- Prepare forecasts of PNL and cash-flows;\n- Report, analyze and ensure integrity of all financial information.\n- High degree diploma in Accounting, Finance or Economics;\n- 4+ years of experience in finance or accounting area within the international company;\n- Understanding of accounting principles, budgeting process, financial statements (BS, CF, PNL) and their preparation;\n- Ability to analyze big amounts of information and present findings in precise, clear manner;\n- Excellent business interpersonal skills are necessary;\n- Ability to communicate clearly and work positively with others to reach a common goal (be a good team player);\n- Excellent written and verbal communication skills and the ability to formally present financial information to management;\n- Excellent knowledge of MS Office (Excel, Power Point, Access – advanced user), 1C and SAP experience is preferred;\n- Fluency in English.\n- Competitive salary with a developed system of bonuses and benefits.\n- Work in an international company.\n- Note : Office location station Mezhdunarodnaya.", "domain": "finance"}
{"url": "https://wethealliance.com/articles/china-s-currency-devaluation-will-hurt-china-more-than-it-hurts-the-united-states", "date": "2019-12-12T08:59:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540542644.69/warc/CC-MAIN-20191212074623-20191212102623-00459.warc.gz", "language_score": 0.9561903476715088, "token_count": 249, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__114898242", "lang": "en", "text": "The world hasn’t seen the yuan devalued to this level since 2008. China denies that the devaluation of its currency was a deliberate retaliatory step against Trump’s tariff threat. But no one believes it.\nStock markets worldwide experienced significant losses in reaction to China’s retaliation. The Dow Jones Industrial Average dropped more than 900 points during Monday’s trading hours. According to MarketWatch.com, the U.S. major stock markets’ indices ended the day with “the S&P 500 off 6% from its record close set on July 26, while the Nasdaq is off 7.3% from its all-time closing high set the same day and the Dow has pulled back 6% from its July 15 record finish.”\nThe steep sell-off reflects investors’ concern that the escalating U.S.-China trade war means more uncertainty ahead, and investors hate uncertainty more than anything. What China did this week is its strongest counteraction so far in its ongoing trade war with the United States. It might have achieved the desired effect of causing panic among U.S. investors and businesses, but its action will end up hurting China more than it hurts the United States", "domain": "finance"}
{"url": "http://www.mortgage-wisdom.com.au/broker-list/mortgage-wisdom/fenessa-brown", "date": "2019-01-21T06:26:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583763149.45/warc/CC-MAIN-20190121050026-20190121072026-00496.warc.gz", "language_score": 0.9438961744308472, "token_count": 199, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__61184239", "lang": "en", "text": "Mobile: 0418 416 320\nPhone: (02) 9668 9114\nFax: (02) 9668 9922\nCredit Representative Number: 367953\nAccreditation: MFAA Accredited Finance Broker, AFCA Member, FBAA Member, Certificate IV Financial Services Finance/Mortgage Broking FNS 40804, Anti Money Laundering/Counter Terrorism Certificate\nExperience: My finance career began in 1989 within a branch of a major Bank in our local area. After 5 years of retail banking in positions from customer service to lending assessment of personal loans, home loans and commercial finance I moved on to other areas in the finance sector including Futures, Money Market and foreign exchange. In July 1999 I was invited to become a member of the Mortgage Wisdom team as a Mortgage Broker.\nInterests: I have great passion for personal growth, family history and genealogy. I also like to spend my time with my favourite people and I enjoy digital photography and art.", "domain": "finance"}
{"url": "http://millenniumaccounting.com.au/html/our_services.html", "date": "2024-02-29T04:46:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474784.33/warc/CC-MAIN-20240229035411-20240229065411-00194.warc.gz", "language_score": 0.9498149752616882, "token_count": 331, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__13635646", "lang": "en", "text": "The mundane part of running your business is the bookkeeping; yet this time consuming, confusing and sometimes uninspiring task is fundamental to the success of your business.\nWe will get your records up to date and help you lodge your Business Activity Statement (BAS) even if it is late...and much more, including tidying up your creditor and debtor records which will help your cash flow, payroll and PAYG issues or preparing your bookkeeping for your end of year accounts and tax returns\nLodging essential returns such as your Business Activity Statement and Payroll/PAYG and Superannuation contributions may seem onerous but they are a fact of life. Also, you need to manage your cash flow so knowing where you are at with your accounts receivable and accounts payable is of paramount importance.\nWe will work closely with your tax accountant to provide an efficient and reliable bookkeeping, GST reporting and BAS lodgement service. End of year accounts can be given to your accountant in either paper based or electronic format, as required.\nWith all the demands on your valuable time, and at the end of what has most likely been a long week, the last thing you want to do is chew into your valuable family or relationship time completing your BAS or preparing your financial records for your annual Tax Return.\nMillennium Accounting Solutions will add value and understanding to your business, not just numbers. You can rest easy, knowing that your we have the experience in bookkeeping to guarantee the results you want – accurate accounts and a trouble free relationship with the ATO.\nNow you can focus on growing your business and serving your customers.", "domain": "finance"}
{"url": "http://alexandra-court-wiki89727.ezblogz.com/10609019/financial-freedom-is-it-only-a-dream-or-simply-steps-away", "date": "2018-12-10T18:31:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823382.1/warc/CC-MAIN-20181210170024-20181210191524-00235.warc.gz", "language_score": 0.9715738296508789, "token_count": 801, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__111713964", "lang": "en", "text": "Nearly all people go to work everyday and do the very same routine over and over once again. We work so tough till we caught up in the routines for years. With the income that we make every day, we try to pay all of our expenses. We constantly expect to get a higher salary, getting promotion or our organisation running much better so we can make more money. But we do not realize that when we get more earnings, we likewise have invested more cash on our needs. After we work for two, 5, and even 10 years we just realize that we have remained in the rat race of our financial difficulties.\nTo be economically totally free is only a dream for us, we don't think that is possible. We currently set our mind set that we will retire after 40 years of working and after that we begin to enjoy our life after that. I do not wish to do that.\nWhat if you can get the financial liberty much faster than 40 years? What if I can reveal you how to get to monetary liberty in 5 years? Would not it be intriguing for you?\nThere are couples actions to accomplish financial freedom.\nYou have to get the ideal mind set. Unless you desire to change your mind set to the favorable way, there is no way that you can get your dream, which is Financially Free. You have to think in yourself and think that is possible for you to achieve monetary flexibility.\nSecond, if you do have the best mind set, you need to change the bad habit that you have. If you do not have the money, don't invest it! Our society nowadays, has a brand brand-new habit that does not exist centuries ago. We can spend our loan before we make it! That's right; I am talking about credit card. Cut all the credit cards that are not in utilized if possible. We will be trap in this monetary mouse trap easily with all the credit cards lying around on our tables. We need to be discipline by just keep one or two credit card that we utilize typically only for emergency.\nIf you utilize your charge card, please do it in your existing spending plan, not your future spending plan. A great deal of individuals are caught since they use their charge card based on their 'future' spending plan.\nBob simply got promoted this week, and his income will be raised next month. He was so delighted about it, and then he invests his future salary with his credit card.\nWe often forget that if we put our cash in the bank, the value of the loan will be decrease so quick. The bank does not care about our loan; in fact, they made the most benefit from our cash.\nWe have to find the best financial investment. I recommend you to go to your financial advisor request for their finest opinions. They will seek your needs, and they can offer you the financial investments that appropriate to your needs.\n4th, if we truly desire to be financially totally free, we have to make a passive income. In short you can produce a system that can works for you. The most important from this is that you have to set up a system that works without you.\nAnother way to get a passive income is that you can franchise. Franchising nowadays has increasing enormously in the previous few years.\nYou can always discover a good network marketing business and stick with the business for 5 years. There you can find out how to built your network and accomplish Financial Flexibility.\nThose are couples steps that you can follow to achieve monetary liberty. Every journey is start with a little action. You can begin your own journey to your monetary liberty by start it with a little action. Do not you squander your time, due to the fact that the time is so valuable that we can't reverse the time. Ideally this entire short article assistance you realize that everybody require financial freedom, prior to you captured up into the regimens for more several years.", "domain": "finance"}
{"url": "https://www.telecore.ru/en/production/resheniya-dlya-it-en/oborudovanie-informatsionnogo-dostupa-en/platezhnye-terminaly-samoobsluzhivaniya-en/", "date": "2023-11-30T11:03:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100184.3/warc/CC-MAIN-20231130094531-20231130124531-00558.warc.gz", "language_score": 0.8362141251564026, "token_count": 173, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__13652671", "lang": "en", "text": "Moscow +7 (495) 660-79-88\nHome → Products and solutions → Solutions for IT → Informational access equipment → Payment terminals\nSelf-service payment terminals are used to: book services, pay for a service using international-standard plastic cards or in cash, print out supporting documents and obtain information.\nParametersIn the basic configuration, the terminal is equipped with:\n- a touch screen monitor;\n- a printer;\n- cash machine;\n- uninterruptible power supply;\n- fiscal data recorder of the PRIM series.\nThe additional equipment includes:\n- 2D barcode scanner;\n- plastic card reader (card reader);\n- PIN keyboard;\n- Infrared port;\n- Bluetooth device;\n- GPRS modem.\nSelf-service payment terminal is an ideal solution for offices.", "domain": "finance"}
{"url": "http://troypac.weebly.com/grant.html", "date": "2019-05-25T09:16:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232257939.82/warc/CC-MAIN-20190525084658-20190525110658-00396.warc.gz", "language_score": 0.8649280071258545, "token_count": 268, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__200837200", "lang": "en", "text": "Troy Special Services Parent Advisory Committee\n2017-2018 Grant Application\nDeadline: May 1, 2017 (end of day)\nPlease complete all sections of the grant application and hit SUBMIT after completing the form.\nWe are only accepting applications online. We will only have one round of grant submissions for the 2017-2018 school year. Grants will be selected by the Troy PAC Board Members based on information received and applicability to special education.\nGrants are available to special education staff only.\nFunds will be available August 1, 2017 for the 2017-2018 school year.\nGrants will be awarded as follows:\n(6) Six $100 grants\nAward recipients are required to provide a 5-10 presentation\nIf you have questions - please contact\nIndicates required field\nProvide a brief overview of the project\nHow will you determine if your objectives are met?\nHow will you spend grant funds?\nNumber of students impacted by your project\nAre you receiving funding from other sources\nRecipients are required to provide a short (5 minute) PowerPoint presentation during the May 2018 Outstanding Staff Awards highlighting how their grant award was used.\nEmail supporting information\nYou will be notified via email if your grant has been received and approved..\nCreate your own unique website with customizable templates.", "domain": "finance"}
{"url": "http://www.aalrreducationlaw.com/education-code-section-17463-7s-additional-flexibility-regarding-use-of-proceeds-from-the-sale-of-surplus-property-provisions-extended-to-january-1-2016/", "date": "2017-03-29T07:09:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218190234.0/warc/CC-MAIN-20170322212950-00623-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9316147565841675, "token_count": 660, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__52906958", "lang": "en", "text": "Pursuant to the recent passage of Assembly Bill 86 (“AB 86”), as of July 1, 2013, Education Code section 17463.7 has been extended and will remain in effect until January 1, 2016. Education Code section 17463.7 was added in 2009 and provides school districts with some additional flexibility regarding the use of funds derived from the sale of surplus real property. AB 86’s passage merely extends the section’s sunset date to January 1, 2016. The substance of Education Code section 17463.7 remains unchanged.\nAccordingly, Education Code section 17463.7 continues to apply only to school district property purchased (1) entirely with local funds, (2) with the proceeds of a local general obligation bond or (3) with revenue derived from developer fees. It does not apply to property acquired with any other type of funding.\nUnder Education Code section 17463.7, a school district may deposit all of the proceeds from the sale of surplus property purchased entirely with local funds in the school district’s general fund. School districts may use the proceeds for any one-time general fund purpose. However, the proceeds from the sale of surplus property purchased with a local general obligation bond or revenue derived from developer fees are treated differently. While proceeds may also only be used for a one-time general fund purpose, only a percentage of these proceeds from these properties may be deposited in the general fund.\nHowever, before a school district can make use of the additional options provided by Education Code section 17463.7, it must submit documents to the State Allocation Board (“SAB”) certifying certain facts, specifically: (1) the school district has no major deferred maintenance requirements not covered by existing capital outlay resources; (2) the sale does not violate the provisions of a local bond; and (3) the surplus property is not suitable to meet projected school construction needs for the next 10 years. Additionally, prior to using section 17463.7, a school district must present, at a regularly scheduled board meeting, a plan that identifies: (1) the source of the funds; (2) the use of the funds; and (3) the reasons why the expenditure will not result in ongoing fiscal obligation for the school district.\nIt is important to remember under Education Code section 17463.7 school districts that allocate surplus property proceeds pursuant to this section may lose hardship apportionment and eligibility. First, the SAB will reduce an apportionment of hardship assistance awarded to a school district by an amount equal to the amount of the surplus property proceeds that a school district uses for a one-time expenditure under section 17463.7. Second, if a school district exercises the authority under section 17463.7, it becomes ineligible for hardship funding from the State School Deferred Maintenance Fund for five years after the date the proceeds are deposited into the general fund.\nWhile Education Code section 17463.7 will remain in effect until January 1, 2016, given the section’s specific requirements and potential limitations, it is recommended that when deciding how best to use its surplus property proceeds school districts weigh the section’s additional flexibility with the potential consequences mentioned above.", "domain": "finance"}
{"url": "http://www.southcarolinamedicare.info/", "date": "2017-01-17T02:39:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-04/segments/1484560279410.32/warc/CC-MAIN-20170116095119-00555-ip-10-171-10-70.ec2.internal.warc.gz", "language_score": 0.9472521543502808, "token_count": 1978, "dump": "CC-MAIN-2017-04", "global_id": "webtext-fineweb__CC-MAIN-2017-04__0__210841290", "lang": "en", "text": "\"It's nice to finally have dealt with someone who didn't care how long it took to answer my questions.\"\n- Judy L.\n\"You just earned a customer for life. I was pulling my hair out over all the confusing plans till I talked to one of your agents.\"\n- Timberli G. I.\n\"I was pleasantly surprised by the service I received at www.southcarolinamedicare.info.\"\n- Gayle H.\n\"I've never written a testimonial before. Then again I've never been so worried about my future, nor so happy when your folks helped me figure out my Medicare supplements situation. I'm so grateful, thank you!\"\n- Tilda N.\nHundreds of thousands of people on Medicare Part A and Part B are are now seeing that with the right Medigap Plan it's possible to:\nReceive a Medicare Supplement Insurance Plan now with the plans you expect at a price that suits your budget.\nSafeguard your physical well-being and protect your fiscal health with a Medicare Supplement Insurance Plan\nLike the thousands of folks whom we have aided since we first began years ago, you have probably seen that trying to make up your mind on the perfect Medicare Supplement Insurance Policy is painful. Furthermore, trying to find a Medigap Broker to coordinate with in sizing up rates is difficult as well.\nFortunately, you do have choices. Locating a Medicare Supplement Insurance Company that you can trust is simple as ABC if you consider:\nBuy a Medicare Supplement Insurance Plan through our company and feel good about about both your low cost premiums and the up to 100% protection.\nMoreover that is not the end of what our team is capable of. Did you ever attempted to sign up for an insurance plan like a Medicare Supplemental? Thousands upon Thousands Americans are lamentably declined protection or gotten restrictions on their policy that they didn’t see coming only after they had taken care of the initial premium. Additionally way too often there can be annoying problems involved in getting that payment returned or attaining other matching Medicare Supplement Coverage or other policies.\nOur customers will tell you, that things like this don't happen to them. Our Medicare Supplemental Insurance Agents in-house are also highly trained “field underwriters.†So we will not only assist you to find the least expensive for Medicare Supplemental Insurance Rates, but we will make certain that you will qualify for the coverage first, before dealing with any paperwork. By answering a few quick questions about your current health and medical history, you could immediatley qualified for Medicare Supplement Insurance Plans which should enroll you you immediately , without a bunch of stress or uneasiness about the possibility canceled policies.\nOur staff do not suggest a specific plan to you until we know for a fact your approval will be guaranteed by the Medigap Insurance provider Plus, our Lowest Rate Guarantee ensures that you never ever pay a penny for our brokerage services and are always making payments the affordable available price on the suggested policy you apply for.\nThen, for your convenience, we have made deals with with all of our Medigap Insurance Companies to be able to allow you enroll in their policies with an agent on the phone in a matter of minutes. You will have the most affordable Medicare Supplemental Insurance Rates available, protection for life and, if you opt for a Medicare Supplemental Insurance Plan F, you will never ever reach for your credit card to pay in the future for Medicare-covered treatments.\nMedicare Supplement Plan F is a perfect plan since it features:\nMedigap is another name applied to health care plans commonly known as Medicare Supplements. The Medigap Plans augment the gaps in Medicare coverage that are not taken care of by Medicare Part A and Medicare Part B and are made to fit with Medicare like a key fits into a lock.\nA Medigap Insurance Plan is not an alternative for traditional Medicare like a Medicare Advantage Plan, instead it works with traditional Medicare. Moreover, Medigap Plans are different from Medicare Advantage Plans because they have no deductibles, no co-pays and no issues with being \"in nework\" that could impede you healing when you can't see the right doctor.\nDid you know that if you choose the right Medigap Insurance Medigap Insurance Plan like Medicare Supplement Plan F you'll never be made to pay a single dollar when you have treatment in a specialty treatment center, physician’s office or hospital that accepts Original Medicare.\nSo this means that you pick Medicare Supplement Plan F, if your hospital or doctor are astronomical , you will will not ever have to pay a dime for hospital or doctor just as long as Medicare greenlights a penny of the charges.\nMedigap Plans: Everything you need to know\nWhen you seek out healthcare assistance with a hospital, doctor, or specialty treatment center, all you have to do is show them your Medicare Supplemental Insurance card to the doctor, specialty treatment center or hospital. Then everything will, almost magically, be taken care of for you.\nFact is,, after your claim is filed with Medicare for Medicare Part B charges, Medicare will in most cases ship your claim directly to your Medicare Supplement Insurance Company without you having to do anything. Then your Medigap Carrier will take care of the claim, most often without it ever touching human hands\nWith a easy comparison of Medicare Supplemental Insurance Quotes, you will find the one that is perfect for health, finances and other life situations and then everything will be managed for you. Once again, if you enroll in a Medicare Supplement Plan F from our company, you will never open your mailbox and see a leftover bill to pay for.\nWe believe that health care professionals ought to be allowed to prescribe what the best medical treatment is for you while your Medicare Supplement Insurance Plans makes sure that you are not hurt with medical expenses. And, when you take out a Medicare Insurance Policies like the recommended Medicare Supplemental Plan F it's YOURS FOR YOUR ENTIRE LIFE. Unlike the restrictive Medicare Advantage Plans, provided that you routinely pay the monthly premiums, the Medicare Supplement Provider can never, ever take your coverage away\nJust like the hundreds of thousands of people over 65 that we have advised over time, you've figured out that looking carry out a conclusion on the correct Medicare Supplemental Policies can be aggravating to say the least. Also, attempting to acquire a Medicare Supplement Provider who will help out as you assess Medicare Supplemental Insurance Rates is challenging too.\nFortunately, not every brokerage is like this. Talking to a a Medicare Supplemental Policy Broker whom is worthy of your trust easy as pie because:\nWhat is more, you never pay for our services.\nMedicare Supplement Quotes: Why enroll and buy with us our company?\nIf you are on Medicare, you are as likely as not thinking about crucial decisions about selecting the ideal Medicare Insurance Policy and you are as likely as not being misled by Medicare Advantage salespeople.\nMedicare Supplement Insurance Plan Carriers are required give idententical coverage options plan details. So see, it is very necessary to shop Medigap Prices from the nation's best companies with a brokerage that's on your side.\nOur company is different, since we work on your behalf, not an individual Medicare Supplement Insurance Plan Company. We thoroughly consider each of the Medigap Policy Providers selling Medicare Supplement Plans and partner the good ones that are reputable and also can live up to their promises forever. It's pretty simple,, our insurance industry analysts cuts out the insignificant Medicare Supplemental Policy Companies and the unreliable and shady.\nWhen we've located the best Medicare Supplement Policy Companies that are up to our tough qualifications, we then use our state of the art and our proprietary software carry out Medicare Supplemental Quote online comparisons. By shopping around for you, our licensed agents obtain the very best for current status based on your specific needs, not what the Medigap Plan Carriers hope you will purchase from them.\nHowever that’s not the full extent that our agents are capable of for you. Have you ever tried buy an insurance policy like a Medicare Insurance Policy? Many Medicare patients, are denied coverage or gotten restrictions on their policy after they'd taken care of the first premium. Unfortunately there's often terrible hassles in receiving a refund or getting enrolled in alternative Medicare Supplemental Rate or other plans.\nThings like this don't happen on our watch.\nThe Medigap Policy Brokers on our staff also are Medigap Policy field underwriters.†So our professionals not only aid to locate the least expensive Medicare Supplement Insurance Rates, we will also make certain that you will qualify for the plan before we go through the approval process. Simply by answering some quick questions respecting your current heath, you can be instantly approved for a Medicare Supplemental Insurance Policy accepts your application you when you first submit it, without annoying frustrations or fears about of denied claims for lack of coverage.\nWe will not ever advise you to sign up for a Medigap Policy for you unless we are certain that you will qualify be approved by the Medigap Policy carrier. Furthermore, our Cheapest Premium Promise insures our customers won't ever pay a penny for our professional and are always paying the cheapest available amount of money for the recommended plan you are qualified to receive.\nFor your convenience , we made arrangements with all our Medicare Supplement Insurance Policy Carriers to be able to allow you to enroll in their policies right on the phone in a matter of minutes. You'll get the cheapest Medigap available to you, a policy for as long as you keep up with your premiums and, if you select a Medigap Plan F, you will never pay extra money again for Medicare covered Medicare eligible.", "domain": "finance"}
{"url": "http://www.godsentus.com/category/insurance-services/", "date": "2020-04-06T02:16:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585371612531.68/warc/CC-MAIN-20200406004220-20200406034720-00303.warc.gz", "language_score": 0.9673547744750977, "token_count": 615, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__62988261", "lang": "en", "text": "Financial planning is something that everyone should do. Without it, you’re not going to make the most out of your life. You won’t be making a lot of money all your life unless you have a business that has set you up for life. For all the others who need to prepare for the future, getting an insurance plan is way to do it.\nSince there are all types of insurances available, it is important that you know exactly what you need right from the start. A life insurance is required by people who want to keep their family and properties protected in the event of their demise. There are also other types of insurances, such as health insurance and business insurance, if it is applicable to you.\nHow to Compute for Your Insurance Premium\nWhile this job is actually something that a financial expert should do, there are things that you can now do on your own. You can use online calculators so you’ll have a good idea as to what type of insurance you need and how much premium you can pay considering your monthly finances.\nThese tools are free to use, you simply have to find them over the internet. Insurance calculators can give you a good insight into the future, and it may even help you predict whether or not it’s viable to keep that insurance plan for the next few years.\nThe Necessity of Financial Planning Tools\nWith the right financial planning tools, you’ll have better control of your future. If you go online, you’ll find that there are a bunch of them that you can use, such as investment calculators and expense calculators, on top of insurance calculators. The proper use of these tools could possibly lead you to better management of your funds.\nIt’s true that financial planning is one of the most difficult areas of one’s life. But it is also the one that’s most essential. If you really value your life, your family, and all the properties that you have acquired along the way, then you should consider managing your finances either on your own or with the help of a financial expert.\nGet Better Control of Your Life\nHaving your life planned really well is the first step to financial freedom. You’re not going to get there overnight but with proper planning and sticking to that plan, you’ll eventually get there. It’s not easy to control what might happen in the future but if you’re prepared for it now, those things are going to be much more manageable than you think they are.\nGetting a life insurance policy is the first step to ensure that you’ll have a brighter future ahead. It may not directly benefit you, but it will ensure that your family is well protected when it’s time for you to leave this world. Your family and maybe even the next generation will be grateful for your efforts in making sure that they’ll live comfortably even if you are no longer physically with them.", "domain": "finance"}
{"url": "https://jpsdesignandbuild.com/decoding-the-smsf-setup-what-you-need-to-know/", "date": "2023-12-02T12:04:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100399.81/warc/CC-MAIN-20231202105028-20231202135028-00558.warc.gz", "language_score": 0.9474326968193054, "token_count": 2375, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__47371229", "lang": "en", "text": "Are you considering setting up a self-managed super fund (SMSF) but feeling daunted by the setup process and compliance requirements? Look no further. In this article, we will take you through the key aspects you need to know to decode the SMSF setup process and hit the ground running. From understanding the benefits and drawbacks of an SMSF to navigating compliance and investment strategies, we’ve got you covered.\nUnderstanding SMSFs: An Overview\nWhat is a Self-Managed Super Fund (SMSF)?\nAs the name suggests, an SMSF is a superannuation fund that you manage and run yourself. In contrast to regular super funds, where an external trustee manages your fund assets and investments, an SMSF trustee is responsible for making all investment decisions and complying with the regulatory framework set out by the Australian Taxation Office (ATO). The self managed super fund setup offer greater control and flexibility over your superannuation, but it also comes with greater responsibilities and compliance obligations.\nManaging your own super fund can be a daunting task, but it can also be a rewarding experience. By taking control of your retirement savings, you have the opportunity to tailor your investment strategy to your personal goals and risk appetite. This can include investing in assets such as property, shares, and managed funds, or even setting up your own business within your SMSF.\nHowever, with great power comes great responsibility. As an SMSF trustee, you are responsible for ensuring that your fund complies with all applicable laws and regulations. This can include keeping accurate records, preparing financial statements, and arranging for an annual audit. You must also ensure that your fund’s investments are made in accordance with the law, and that you do not engage in any prohibited transactions.\nBenefits of an SMSF\nOne of the main benefits of an SMSF is the level of control it offers. As an SMSF trustee, you have the flexibility to decide how you want to invest your funds and manage your retirement savings. You can customize your investment strategy, choose your own investments, and potentially save on investment fees. Furthermore, SMSFs offer tax advantages, including the ability to access franking credits and tax deductions for contributions and expenses. SMSFs can also offer estate planning benefits, as you can control how your super benefits are distributed after you pass away.\nAnother benefit of SMSFs is that they can provide greater transparency and visibility over your superannuation investments. As an SMSF trustee, you have access to real-time information about your fund’s performance and can make informed decisions about your investment strategy. This can be particularly beneficial if you have a keen interest in financial markets or if you want to take a more active role in managing your retirement savings.\nPotential Drawbacks of an SMSF\nWhile SMSFs offer a high level of control and flexibility, they also come with greater responsibilities and compliance obligations. As an SMSF trustee, you are responsible for administering your fund in accordance with the law and complying with superannuation regulations. This can include keeping accurate records, appointing an approved auditor, lodging annual tax returns and other statements with the ATO, and adhering to investment restrictions and borrowing rules. Failing to comply with SMSF regulations can result in significant penalties or even disqualification of your fund.\nAnother potential drawback of SMSFs is that they can be more expensive to run than regular super funds. This is because SMSFs require a higher level of administrative and legal support, including the services of a professional auditor and potentially a financial advisor. SMSFs may also have higher investment fees and transaction costs, particularly if you choose to invest in complex or illiquid assets.\nFinally, SMSFs may not be suitable for all investors. If you do not have the time, expertise, or inclination to manage your own super fund, or if you have a small balance, then an SMSF may not be the best option for you. In these cases, a regular super fund may be a more appropriate choice, as it can offer a simpler and more cost-effective way to save for retirement.\nThe SMSF Setup Process\nSetting up a self-managed super fund (SMSF) can be a complex and time-consuming process, but it can also be rewarding and offer greater control over your retirement savings. In this article, we’ll take a closer look at the SMSF setup process, including establishing the fund trust, creating the trust deed, registering with the ATO, and setting up a bank account.\nEstablishing the SMSF Trust\nThe first step in setting up an SMSF is to establish the fund trust. This involves creating a trust deed that outlines the rules and objectives of the fund, appointing trustees, and obtaining a tax file number (TFN) and Australian Business Number (ABN) for the fund. You can either set up an individual or corporate trustee structure, each with its own pros and cons.\nIndividual trustees are typically used for funds with up to four members and offer greater control and flexibility, as each member is also a trustee. Corporate trustees, on the other hand, are a separate legal entity and can offer greater protection and ease of administration, particularly for larger funds.\nIt’s vital to seek professional advice and guidance to ensure your trust deed is appropriately structured and compliant with the regulatory framework. A qualified SMSF specialist can assist you in selecting the most appropriate trustee structure for your fund and ensure that your trust deed covers all the necessary topics.\nCreating the SMSF Trust Deed\nA trust deed is a legal document that sets out the rules and objectives of your SMSF and specifies how it will operate. A comprehensive trust deed should cover a wide range of topics, including trustee requirements, fund objectives, membership criteria, benefit entitlements, investment powers and restrictions, and more.\nCreating an SMSF trust deed requires legal expertise and knowledge of SMSF regulations, so it’s important to engage a qualified professional to assist with the process. Your trust deed should be tailored to your specific circumstances and investment objectives, and should be reviewed and updated regularly to ensure ongoing compliance with regulatory requirements.\nRegistering Your SMSF with the ATO\nOnce you have established your SMSF trust and created your trust deed, you’ll need to register your fund with the ATO and obtain a unique identifying number called an Australian superannuation identifier (USI). You can register your SMSF through the ATO’s online portal and provide information about the fund’s trustees and members, as well as your accountant details and audit arrangements.\nThe ATO will also provide you with guidance on your SMSF’s compliance requirements, such as record-keeping, audits, and tax returns. It’s important to ensure that you understand and comply with these requirements to avoid penalties and potential loss of your SMSF’s compliance status.\nSetting up a Bank Account for Your SMSF\nAs an SMSF trustee, you’ll need to set up a dedicated bank account for your fund to manage the inflow and outflow of funds. This account is used for various fund transactions, including accepting contributions, rolling over benefits, and making investments.\nIt’s essential to ensure that the bank account is solely in the name of the fund and complies with the banking regulations and superannuation rules. You should also consider the fees and charges associated with the account, as well as any interest rates and investment options that may be available.\nOverall, setting up an SMSF requires careful planning, professional advice, and ongoing compliance. However, with the right approach and guidance, an SMSF can offer greater control and flexibility over your retirement savings and help you achieve your long-term financial goals.\nChoosing Your SMSF Investment Strategy\nDiversifying Your SMSF Portfolio\nOne of the primary advantages of an SMSF is the ability to tailor your investment portfolio to your individual needs and risk tolerance. However, investing through an SMSF also comes with its own set of risks and complexities, including diversification, liquidity, and market volatility. A sound investment strategy should aim to achieve a diversified portfolio that spreads across various asset classes and investment types, such as shares, property, term deposits, cash, and managed funds. Diversification assists in reducing investment risk by spreading your investments across various asset classes, regions, and sectors.\nUnderstanding Risk and Return\nInvesting through an SMSF requires a clear understanding of the fundamental principles of risk and return. Each investment option has its own level of risk and return, and it’s crucial to ensure that your investment strategy aligns with your risk tolerance and financial goals. Different investment options require different amounts of knowledge and expertise, so it’s essential to seek professional advice before making investment decisions.\nInvesting in Property through Your SMSF\nOne of the most popular investment options for SMSFs is property investment. SMSFs can use their funds to purchase, hold, and lease property, including residential, commercial, and industrial properties. Property investment offers the potential for long-term capital growth and rental income, as well as potential tax benefits like negative gearing. However, investing in property through an SMSF also has its own set of rules and compliance obligations, including restrictions on related-party transactions and borrowing rules.\nSMSF Borrowing and Limited Recourse Borrowing Arrangements (LRBAs)\nAnother avenue of investment that SMSFs can take is borrowing to invest. The ATO allows SMSFs to borrow money to acquire a range of assets, including property and shares, through limited recourse borrowing arrangements (LRBAs). LRBAs offer greater flexibility to SMSF members to purchase investments they would not otherwise be able to afford. However, borrowing through an SMSF also comes with certain risks and regulatory obligations, such as having a separate trust structure and complying with the strict borrowing rules and investment restrictions.\nSMSF Compliance and Reporting Requirements\nAnnual Audits and Financial Statements\nAs an SMSF trustee, you’re required to have your fund audited annually by an independent auditor to ensure compliance with the regulatory framework. The audit assesses the fund’s compliance with the superannuation law, investment performance, financial statements, and other compliance requirements. It’s essential to engage a qualified auditor who can provide you with expert guidance and advice and help you meet your reporting obligations.\nLodging Your SMSF Annual Return\nEach year, SMSF trustees are required to lodge an annual tax return with the ATO, which provides details about the fund’s investments, income, expenses, and tax liability. The annual return needs to be lodged by the due date, and any tax payable must be paid on time to avoid interest and penalties.\nRecord Keeping and Document Retention\nFinally, SMSF trustees need to keep accurate and up-to-date records of their fund’s transactions, financial statements, and minutes of meetings. Records must be retained for at least five years and be made available to the auditor and the ATO upon request. Keeping comprehensive and accurate records is essential to ensure your fund’s compliance with the regulatory framework and effectively manage your SMSF assets.\nSetting up an SMSF requires careful consideration and planning. It’s essential to understand the benefits and drawbacks of an SMSF, navigate the regulatory framework, and choose appropriate investment strategies. By following the key steps outlined in this article, seeking professional advice when required, and staying up-to-date with compliance obligations, you can take control of your superannuation and achieve your retirement goals.", "domain": "finance"}
{"url": "http://advprograms.com/staffaccountant.html", "date": "2018-02-22T14:41:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891814124.25/warc/CC-MAIN-20180222140814-20180222160814-00618.warc.gz", "language_score": 0.8971831798553467, "token_count": 550, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__223350979", "lang": "en", "text": "Staff Accountant in Columbia Maryland\nPlease note that the position is PART-TIME.\nApplies principles of accounting to analyze financial information and prepare financial reports.\nESSENTIAL DUTIES AND RESPONSIBILITIES FOR GENERAL ACCOUNTING include the following. Other duties may be assigned.\n- Maintains a computerized financial reporting system and compiles financial data\n- Performs Accounts Receivable job functions to include: processing of invoices in a timely manner, research and investigate non-payments or invoice problems, determine customer credit status, call customers for collection, make bank deposits, apply cash into A/R system, maintain cash receipt register, and reconcile A/R balance to General Ledger.\n- Participates in the posting, balancing, analysis and reconciliation of the general ledger and subsidiary accounts\n- Coordinates monthly closing and production of financial statements to guarantee timely reporting\n- Ensures accurate and timely submission of monthly and year-end financial reporting packages\n- Ensures reconciliation and maintenance of all major general ledger accounts\n- Maintains records of all financial documents with appropriate supporting material\n- Assists in preparation of forecasts\n- Assists in preparation of annual budgets\n- Compiles financial data for income tax requirements\n- Assists outside auditors at year-end to include preparing schedules, providing explanation of supporting materials and procedures, and preparing any other necessary data\n- In the Accounting Manager's absence, responds to phone calls and meets with other company personnel to resolve problems of an immediate nature\nESSENTIAL DUTIES AND RESPONSIBILITIES FOR COST ACCOUNTING include the following. Other duties may be assigned.\n- Prepares and reviews income/expense analysis\n- Updates all standard costs\n- Reviews and analyzes variances\n- Assists in auditing and costing of inventories\n- Performs and directs special projects as requested\n- Performs other related duties as assigned by supervisor\nEDUCATION and/or EXPERIENCE\nBachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience. Additional educational/experience requirements:\n- Knowledge of computerized account systems\n- Working knowledge of accounting principles and practices\n- Ability to work with detail and accuracy\n- Good organizational skills\n- Ability to establish and maintain effective working relationships\nUS Citizenship required for most positions. EOE/AA, M/F/D/V. Please send resumes and salary history to Advanced Programs, Inc. 7125 Riverwood Drive, Columbia, Maryland 21046 to the attention of Human Resources or email to firstname.lastname@example.org", "domain": "finance"}
{"url": "https://www2.clarkschools.net/home/index.php/district-links/around-the-district-articles/467-be-counted-respond-to-the-2020-u-s-census", "date": "2021-10-23T15:05:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585696.21/warc/CC-MAIN-20211023130922-20211023160922-00005.warc.gz", "language_score": 0.9348018169403076, "token_count": 94, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__105691594", "lang": "en", "text": "Be Counted! In March 2020, The Census Bureau mailed all households an invitation to participate in the 2020 Census. If you have not replied, you can still respond to the 2020 Census online, by phone, or by mail.\nThe Census is safe, secure, and confidential, and your response helps to direct billions of dollars in federal funds to local communities for schools, roads, and other public services.\nSee my2020census.gov for more information.", "domain": "finance"}
{"url": "https://calhomelending.com/", "date": "2022-08-07T15:35:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570651.49/warc/CC-MAIN-20220807150925-20220807180925-00262.warc.gz", "language_score": 0.9696727991104126, "token_count": 218, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__90169364", "lang": "en", "text": "\"Cal Home Lending I must say is a very progressive mortgage company. You guys are spot on and I have really appreciated working with good real people. Thanks again for getting my loan done so quickly and saving me time and money.\"\nBrody - Sebastopol, CA\n\"I want to thank Cal Home Lending for helping me with my refinance for the second time in the last three months. Your team and processors are amazing. I have done many purchases and refinances in the past and this has been my best experience yet! You all worked with me professionally every step of the way. I have many properties which I own and I am already preparing documents for yet my 3rd refinance with you. Thanks again!\"\nKurtis - Newport Beach, CA\n\"Thank you for a very quick and easy process for a refinance. I will be recommending you to anyone I know with great credit who needs to refinance. Your rates, fees, and professionalism are worth talking about. \"\nJohn - Santa Cruz, CA", "domain": "finance"}
{"url": "http://www.liverycoach.tech/billing---assigning-group-billing-to-contacts.html", "date": "2024-02-21T12:37:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473472.21/warc/CC-MAIN-20240221102433-20240221132433-00454.warc.gz", "language_score": 0.8946713209152222, "token_count": 315, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__83770885", "lang": "en", "text": "Billing - Assigning Group Billing to Contacts\nSometimes, you may have a billing account with several different billing groups, and the billing group always follows the Booker—that is, each Booker has a different, specific, billing group that he or she always uses.\nIn this case, you don’t have to remember to pick the proper billing group for each trip—you can assign the appropriate billing group to the contact, and then it is selected automatically.\nFor our example, we have set up a billing account (Livery Coach) with two billing groups (David and Chip). Before we do any assignment, you can see that when David books a trip, both billing groups are available.\nTo assign the “David” billing group to David, we simply navigate in Maintenance to Maintain…Accounts…Account…Groups.\nSelect the desired line, and click on the “Assign” button.\nYou can then use the “Sort By” field to narrow down your contact record selection. Select the contact you want to assign, and then click Add. The selected contact will move from the top window to the bottom window.\nNow, when David books a trip, the only billing account group available is the one assigned to him.\nWhen this feature is used in conjunction with the Mandatory button discussed last week, using account groups can be fast and easy—you don’t have to remember to pick one, or even which one to pick. The system will handle this for you.", "domain": "finance"}
{"url": "https://kmartinlaw.com/faqs", "date": "2017-10-20T10:32:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187824068.35/warc/CC-MAIN-20171020101632-20171020121632-00313.warc.gz", "language_score": 0.9432626962661743, "token_count": 2918, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__68801286", "lang": "en", "text": "*This information is provided for informational purposes only. By distributing this article, Elder Law Attorney Koren Martin is not rendering any legal or professional advice. This is an area of the law that changes quickly. If legal advice is necessary, the reader should consult an Elder Law Attorney. Medicaid should not be confused with Medicare benefits. This FAQ only addresses potential Medicaid eligibility.\nThe average cost of a semi-private room in a nursing home is $4,940 per month (as per the daily average rate of $162.41 established by Texas Health and Human Services Commission) with costs ranging from about $4,200 per month in small communities to over $6,000 per month in metropolitan areas. However, the cost of round-the-clock in-home care runs about $17-$22 per hour translating to a monthly cost of about $12,500 to $16,000. Thus, unless a person is independently wealthy or has long term care insurance, about the only other method of paying for nursing home costs is through the Medicaid program.\nAn applicant must:\nIn order to qualify for Medicaid nursing home care (and the Star Plus Waiver benefit) the applicant must have a medical condition that requires specialized supervision by a licensed nurse for services ordered by a physician according to a documented medical condition. For example, could an unskilled individual provide sufficient care for the applicant. If so, then the applicant does not meet the medical necessity requirement. Generally, a person suffering from dementia or Alzheimers disease who takes prescription medications will meet the medical necessity requirement.\nNot all nursing homes accept Medicaid benefits. Of those nursing homes that do, the nursing home may only accept a limited number of Medicaid recipients. Additionally, the Medicaid \"bed\" generally is in a semi-private room.\nA Medicaid applicant must receive an income less than $2,205 in 2017. The Medicaid Agency only looks at the applicant's income (not the spouse's). The Medicaid Agency looks to the name on the check to determine which spouse to attribute a particular item of income.\nIf the applicant otherwise qualifies for Medical long-term nursing home benefits, the applicant (or the applicant's spouse or other representative) may create a Qualified Income Trust or \"Miller Trust.\" This trust allows the applicant to transfer his/her income into the trust and then qualify for Medicaid long term nursing home care benefits.\nAmong other provisions, the trust must provide that upon the death of the beneficiary/applicant, the State of Texas will be reimbursed for all expenditures made on the applicant's behalf. If the applicant is married, the benefits will be paid out of the trust as follows:\nNOTE: The deductions noted above are given to all institutionalized Medicaid recipients when calculating the co-payment to the nursing home. The Miller Trust puts the budget under very careful scrutiny for compliance.\nNo. A Miller Trust is ONLY used to overcome the income cap issue. A Miller Trust is NOT a trust used to protect assets (resources).\nTo qualify for Medicaid, the applicant's countable assets (resources) cannot exceed $2,000.\nIf both spouses are applying for long term care nursing home benefits, then their combined countable resources generally cannot exceed $3,000.00.\nIf only one spouse is applying for Medicaid benefits, the community spouse may keep more than $2,000.00 in assets. When the Medicaid application is made, all available non-exempt resources of both spouses will be counted as resources, regardless of whether the property is classified as community or separate property. One-half of the couple's resources will be set aside for the spouse not applying for Medicaid benefits, with a minimum set aside amount of $24,180.00 and $120,900.00 maximum in 2017. (Pre-marital and post-marital agreements are irrelevant to the Medicaid application.)\nThere may be ways to increase the maximum amount that can be set aside for the spouse staying at home but the strategies can be complex and should be discussed with attorney Koren Martin.\nSpending down before or after the application is not the key. The Medicaid Agency gives you credit for all monies spent after you enter a medical facility and ultimately stay for 30 consecutive days or more. For example, Wife has a stroke and goes into the hospital in September 18. On October 4, she is moved into a nursing facility and continues to reside there. Her husband makes application for Medicaid benefits for her in December.\nThe Medicaid Agency will determine what their assets were on September 1 and again on December 1 to see if they have already spent funds to meet any spend down. When only one spouse is applying for Medicaid, it is best to \"spend down\" AFTER a person has spent 30 consecutive days or more in a medical facility. When an individual with no spouse is applying for Medicaid, the applicant can have only $2,000 in countable assets so any spend down should be accomplished after entry into the nursing home but before eligibility.\nNo. The following assets are exempt from being included as a countable resource:\nAdditionally, the Medicaid Agency will also exempt funds held in an IRA, 401k or other similar tax device that are invested in an annuity product. (I do not make investment recommendations. However, I will work with your financial planner to explain the effect your investments might have on a Medicaid application.)\nIf a nursing home applicant makes a transfer of resources for less than fair market value (a “gift”) in order to qualify for Medicaid benefits, the applicant will be penalized for the gift by being ineligible for Medicaid nursing home payment for a calculated period of time (the “transfer penalty”)(Currently the gift will disqualify the applicant for the in-home Star Plus Waiver benefit). The Medicaid Agency has determined that the average private pay cost for nursing home care is $162.41 per day (beginning September 1, 2013 through August 31, 2017). To determine the number of months of ineligibility for any gift, the Medicaid Agency will divide the amount of the gift by $162.41. The resulting quotient is the number of days of ineligibility for benefits.\nIf a gift is made, the presumption is that it was made in order to qualify for Medicaid benefits. To avoid a penalty, the Applicant would have to prove that the gift was made for a totally different reason, which is a very difficult burden of proof. Under Federal and State law, the Medicaid Agency could \"look back\" for 60 months to determine if an individual made any gifts.\nCongress allows a person who is disabled (according to the Social Security definition of disability) under the age of 65 to transfer assets to a Supplemental Needs Trust or a pooled Trust (e.g. the Arc of Texas, Master Pooled Trust) without transfer penalties. Both of these trusts require that upon the death of the applicant/beneficiary, all Medicaid expenditures are paid back to the State out of the remaining trust funds. These trusts are generally irrevocable.\nWhen spouses transfer their assets into a living trust, the Medicaid Agency takes the position that so long as the trust is revocable, it is as if the parties still own the assets–because the parties can revoke the trust at any time and get their assets back. There is no transfer penalty so long as the spouses can recover the property from the trust.\nA Medicaid applicant/recipient cannot claim an exemption for the homestead if the homestead is owned in a revocable trust. Additionally, owning assets in a Revocable Trust can result in complications for Medicaid eligibility. When the first spouse dies, if the trust requires that the deceased spouse’s property must pass into a trust for the surviving spouse, such a transfer could result in a Medicaid disqualifying transfer penalty applied against the surviving spouse (even if the decedent’s trust for the surviving spouse had supplemental needs language).\nThese rules are complex so before creating a trust with the intent of applying for Medicaid, you should consult with Koren Martin.\nThe answer is most often, no.\nAn annuity that allows a person to access the cash assets (similar to a savings account) is a countable asset except in the case of an IRA, 401k or other similar investment If the annuity is “annuitized,” the annuity will be paying monthly payments and the fund cannot be cashed out. If your annuity is paying monthly income with no ability to cash out the annuity, then you may have to name the State of Texas as either the secondary beneficiary with a spouse or minor child as the primary beneficiary OR name the State as the primary beneficiary. Upon the death of the annuity owner, the funds must pay to the surviving spouse, a minor child, or reimburse the state for all Medicaid expenditures made on behalf of the annuity owner.\nBecause an annuity contract could contain significant surrender penalties (over and above the tax issues), you should contact attorney Koren Martin to determine the pros and cons of investing in annuities.\nOnce you have supplied me with all of the necessary documentation and any prerequisite spend-down or estate planning strategies have been implemented, I will submit the completed application to the Texas Health and Human Services Commission (the \"Medicaid Agency\"). The Medicaid Agency has 45 days to complete the Medicaid application review and can obtain a 45 day extension to complete the application review for a total of 90 days. Once a Medicaid Application is filed, the only nursing home payment required is the applicant’s income.\nIf the application is not complete, the Medicaid Agency can deny eligibility. An application can be supplemented during the application process. If the Medicaid caseworker requests additional information required on Form 1200 (the Medicaid application), it is wise to respond quickly to avoid a denial of benefits. However, if there is a deliberate misrepresentation or willful withholding of information for the purpose of obtaining public assistance, the agency can refer the application to the Office of Inspector General for a fraud investigation.\nAbsolutely. An applicant can appeal a denial of eligibility within 90 days of the denial date. However, it is wise to appeal as soon as the denial is made if the applicant believes that the denial of eligibility was wrong.\nWhile the State will not “take” the homestead as reimbursement for Medicaid payments, when there is no surviving spouse or other exemptions, your executor may have to sell your homestead and your family heirlooms after you die if you accept Medicaid assistance. The following is a brief overview of the Medicaid Estate Recovery rules.\nIt is important to note that, effective September 1, 2003, the Texas Legislature passed a law requiring the implementation of a Medicaid estate recovery statute based on the federal requirement to attempt to recover certain State Medicaid expenditures from the estate of a deceased Medicaid recipient. The program is called the Medicaid Estate Recovery Program (“MERP”). The rules were effective as of March 1, 2005. According to the rules, there will be no estate recovery, ever, when the deceased Medicaid recipient has a surviving spouse, minor children, disabled child (of any age). There is an additional exemption when an unmarried adult child lived in the homestead at least one year immediately prior to death. This is not a lien statute so the state will not “take” the homestead. The statute makes the State a creditor just like a doctor or ambulance company and just like any creditor, if there are no exemptions or waivers from collection, the creditor can require the executor to sell estate assets to pay the debt.\nBefore paying Medicaid Estate Recovery, I urge you to have your Certified Elder Law Attorney review the claim to make sure it is a valid claim.\nFirst you must determine if the power of attorney authorizes the agent to make gifts. As noted above, gifting can create a period of ineligibility for Medicaid long term care benefit. Elder Law Attorney Koren Martin advises against gifting for a number of reasons, including but not limited to:\nWhile gifting is difficult, it may be allowable. Any concerns about gifting should be discussed with an Elder Law Attorney.\nThere is a Texas law that says:\n“‘Exploitation’ means the illegal or improper act or process of a caretaker, family member, or other individual who has an ongoing relationship with the elderly or disabled person using the resources of an elderly or disabled person for monetary or personal benefit, profit, or gain without the informed consent of the elderly or disabled person.” Texas Human Resources Code §48.002(3)\nIf Adult Protective Services (referred to as “APS”) finds that a person used a power of attorney (or any other means) to transfer the Applicant’s money for the benefit, profit or personal gain of someone else (“made a gift”) without the Applicant’s informed consent, then APS could find that the person making the transfer has EXPLOITED the Applicant. APS can refer its findings to the District Attorney. Transfer of funds as small as $500 can result in a state jail felony charge. Therefore, it is imperative that if an elderly person intends to make gifts and may want to use the Medicaid program to help pay for care, then prior to the gifting, the elderly person or his/her family should consult with an Elder Law Attorney.\nThe internet is not your friend. Since each state has the ability to promulgate its own regulations for Medicaid program eligibility, any other state or a federal website would not provide accurate information. Additionally, regulations and the policy enforcing those regulations change. Therefore, a 2015 website will probably not have the most current statements of regulation and policy. Even if the website has a 2017 publication date, if the site is being published by a stakeholder that is selling a produce, you may not receive the rest of the story.\nTherefore, it is my advice that when trying to create a Medicaid plan, it is best to contact an Elder Law Attorney, like Koren Martin. When asking a legal question about the Medicaid program or any other legal issue, it is imperative that a person obtain advice from a competent attorney.\nTexas Law prohibits non-attorneys from advising persons about Medicaid qualification and charging a fee:", "domain": "finance"}
{"url": "http://www.mac.org.my/v3/announcement-developing-financial-accounting-manual-for-maf-call-for-expression-of-interest/", "date": "2018-12-18T21:09:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376829812.88/warc/CC-MAIN-20181218204638-20181218230638-00453.warc.gz", "language_score": 0.9490248560905457, "token_count": 275, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__220730298", "lang": "en", "text": "Call for Expression of Interest (EOI) from Individual Consultants & Professional Firms to Develop MAF Financial Accounting Manual\nMalaysian AIDS Foundation (MAF) was established by Malaysian AIDS Council (MAC) as its fund-raising arm in 1993. It was formally incorporated as an independent entity under the Trustees (Incorporation) Act 195 in 2003. MAF supports the activities of MAC and its Partner Organisatons in implementing HIV/AIDS projects throughout Malaysia.\nMAF also manages projects funded mainly by private domestic sources. As MAF scales up its projects there is a need to have a better system of check and balance to ensure transparency and accountability in its financial activities. Hence, the management of MAF wishes to develop a Financial and Accounting Manual to regulate its financial activities.\nTerms of reference for this assignment is available here.\nSubmission of EOI\nQualified individuals who have the experience in producing corporate products and are interested to undertake this assignment are invited to fill the EOI template (download here) together with copies of credentials and submit to MAF via email, [email protected] before 15th November 2017. Submission should include at least one work sample by the individual. If published please include the website address where the report is available.\nFor professional firms kindly submit corporate profile and please state your fee.", "domain": "finance"}
{"url": "http://www.elitediams.com/", "date": "2013-12-08T23:59:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163835370/warc/CC-MAIN-20131204133035-00085-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.920615553855896, "token_count": 204, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__21073721", "lang": "en", "text": "Our niche is the diversification and growth of wealth through intelligent diamond investment. Integrating its market knowledge and diamond investment insight, Elite Diams aims to extract superior sustainable returns for its select group of clients.\nElite Diams’ mission is to educate, source and supply the most exclusive and desirable investment grade natural colored diamonds available at the time of investment. Elite Diams is providing the world’s most concentrated form of wealth with knowledge and discretion. Unparalleled resources and expertise are why Elite Diams is a trusted supplier to North American and global investors.\nElite Diams serves its sophisticated clientele with dedication to excellence. In an industry where trust and integrity are paramount, all requests, discussions and acquisitions are proprietary. A great deal of time and energy is devoted to providing the best natural colored diamonds from the global market to meet our client's goal and exceed their expectations.\nJoin our world-class diamond investors and collectors.\nClick Here to request our Free Investor Kit", "domain": "finance"}
{"url": "https://www.eponarescue.org/nevada-gaming-retains-momentum-in-september/", "date": "2024-03-04T04:50:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476413.82/warc/CC-MAIN-20240304033910-20240304063910-00174.warc.gz", "language_score": 0.9325876235961914, "token_count": 734, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__199784690", "lang": "en", "text": "The Nevada Gaming Control Board released its traditional monthly update on the state’s gambling industry. September retains the momentum inherited by previous months, reporting a year-on-year revenue increase of 8%. If the trend continues, the Silver State should easily surpass 2021’s record-setting profits.\nAnother Excellent Month for Operators\nSeptember is the 19th month in a row when Nevada’s gambling sector’s monthly revenue surpassed $ 1 billion. The state made $1.24billion in total, equating to an 8% increase compared to 2021.\nCasinos in The Strip contributed the most once again, bringing in $693 million and enjoying the most substantial monthly increase of 8.25% compared to other regions. It accounted for over 55% of the state’s gaming revenue. The strong showing can provide foresight on the upcoming quarterly reports of its largest operators like Caesars, MGM, and Wynn Resorts.\nNevada Gaming Control Board senior analyst Michael Lawton was optimistic that the state would continue its streak. The coming months should receive a substantial boost from a stacked series of high-profile events like the return of the Global Gaming Expo, performances by Adelle and Elton John, and UFC 282.\nWe have three months left in the calendar year, and I’m going to go out on a limb and say this year is going to surpass last year.\nMichael Lawton, Nevada Gaming Control Board senior analyst\nThis prediction also matches the growing number of visitors. 3.35 million people chose to come to Vegas in September. While the number still lags by 3.5% compared to the pre-pandemic levels, it represents a substantial 14% increase compared to 2021, signaling a healthy upwards trend.\nSportsbook Profits Almost Reached Record Highs\nSlot machines continued to dominate the gambling sector, making $858.1 million, which marks a steady 10% year-on-year growth. Table, counter, and card games came in second at $390.8, while baccarat revenue dropped by 3.6% compared to last September, settling at $80.1 million.\nNevada’s sportsbooks were the biggest surprise this September, with revenues just short of November’s $72 million record. The $70.6 million collected is an impressive 30.2% increase compared to last year and can be attributed to the month’s stacked sporting calendar. Online wagers made up 64.6% of all sports betting activity, supporting the growing trend away from land-based establishments.\nThe Winning Streak Will Likely Continue\nWhile September’s results certainly seem encouraging in the context of post-COVID recovery, experts believe that dark clouds may be on the Horizon. Brendan Bussmann, managing partner of gaming and hospitality-focused consulting firm B Global, told Forbes that $1 billion had now become the standard and warned of some concerning factors that could negatively impact Nevada’s bottom line.\nWe hit full recovery, plus some, but we have inflation at record levels, and costs are spiraling out of control, which will put pressure on the locals market.\nBrendan Bussmann, B Global managing partner\nDespite growing concerns, Bussmann was optimistic that Nevada would be able to sustain its billion-dollar streak at least until the end of the year. So far, 2022 is proving to be a breath of fresh air for Vegas. With projected profits rising for the foreseeable future, the Silver State should be in a stable-enough position to handle any upcoming downturn.", "domain": "finance"}
{"url": "https://www.clearwatt.co.uk/knowledge/tco", "date": "2024-02-25T18:43:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474641.34/warc/CC-MAIN-20240225171204-20240225201204-00018.warc.gz", "language_score": 0.9440460801124573, "token_count": 537, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__61670613", "lang": "en", "text": "July 31, 2023\nTotal Cost of Ownership\nThe Total Cost of Ownership (TCO) is an important calculation to ensure that vehicle costs are being considered over the medium/ long-term and include all of the elements of running, fuelling and maintaining the car.\nTable of contents\nThe Total Cost of Ownership\nThe Total Cost of Ownership (TCO) of electric vehicles (EVs) in the UK varies significantly depending on the model and make of the car, the type of financing, and individual usage. However, despite higher initial purchase prices, when factoring in costs over the lifetime of the vehicle, EVs can present a more economical alternative to traditional internal combustion engine (ICE) vehicles.\nIn conclusion, while the upfront cost of EVs can be higher, the lower running, maintenance, and potentially insurance costs can result in a lower total cost of ownership over the lifetime of the vehicle.\nWhat about the residual (future) value of used EVs?\nThe residual value, or the future value of a car after a specific period, is another critical component of the Total Cost of Ownership for EVs. The residual value can be heavily influenced by factors like vehicle reliability, demand, media coverage, technology advancements, and government incentives.\nHistorically, EVs suffered from faster depreciation rates than ICE vehicles, partly due to concerns over battery life and technology obsolescence. However, this trend is changing rapidly as EV technology improves, and consumer confidence grows.\nIn recent years, as more consumers and businesses are adopting EVs, demand for used electric cars has been rising in the UK, leading to stronger residual values. Additionally, advancements in battery technology and longer range capabilities are improving the longevity and thus the residual value of EVs.\nMoreover, the UK government’s commitment to ban the sale of new petrol and diesel cars by 2030 is expected to have a significant positive effect on the future value of EVs. As this deadline approaches, the demand for electric cars, both new and used, is expected to increase, which should help retain and potentially even increase their value over time.\nThat said, the residual value of EVs can still vary significantly depending on the specific model and make of the car. For example, premium EV models from brands like Tesla tend to retain their value better than some lower-cost models, which can significantly impact the total cost of ownership.\nTo conclude, while there's a positive trend for the value of used EVs, consumers should carefully consider this factor, along with the initial purchase price, charging costs, maintenance costs, and insurance costs, to gain a comprehensive understanding of the total cost of owning an EV.", "domain": "finance"}
{"url": "https://www.ashlandcounty.org/treasurer/", "date": "2020-09-28T01:15:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600401583556.73/warc/CC-MAIN-20200928010415-20200928040415-00001.warc.gz", "language_score": 0.9372453689575195, "token_count": 187, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__210469802", "lang": "en", "text": "|Ashland County Treasurer's Office|\nAshland County Courthouse\nAngie McQuillen, County Treasurer\nYour County Treasurer's office has a staff of two employees. Their responsibilities include collection of all real estate tax, and manufactured home tax. In addition, they record all monies received by any other county office from dog tag licenses to lunch money from Dale Roy School to immunization from the Health Department. In addition to collecting and recording the county money, the Treasurer is responsible for County Investments which includes a portfolio of $25 million dollars. As your County Treasurer, my goal is to assist the Ashland County taxpayers in the most efficient and professional environment possible according to the Ohio Revised Code.\nSecond Half 2019 Real Estate Taxes are due on July 8, 2020\nPublic Records Policy\n2019 Ashland County Tax Rates now available\nPay your Real Estate Taxes Online!\nNeed Information on your parcel, go to the", "domain": "finance"}
{"url": "http://www.wrekinroadrunners.org.uk/the-best-real-estate-investment-strategies/", "date": "2018-05-25T00:58:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794866917.70/warc/CC-MAIN-20180525004413-20180525024413-00237.warc.gz", "language_score": 0.9623002409934998, "token_count": 1138, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__112664382", "lang": "en", "text": "Investing in property is more complicated than simply buying and selling residences. To assist brand-new real estate investors to decide which technique might work for them I put together 5 well-founded techniques. It depends on you which approach you really feel extra comfortable with.\n1. Acquire as well as Hold\nThis property financial investment strategy is generally called rental homes. Coming to be a property manager is much easier than you assume. You buy a residential or commercial property, you promote it as “for lease” and you authorize a contract with your new lessee. That’s where the romance finishes. You should know a great deal regarding your obligations as well as your civil liberties as a proprietor or you will discover yourself in difficulty. Click here if you want to know more about Fountain Hills homes for sale.\nScreening your prospect lessees is your first line of protection. Securing your home or business from damages is your very first obligation. I may painting a little dark picture of being a property owner. However dealing with lessees can be one of the most irritating work you ever had. Do on your own a favor and also check out a bookstore or library and also obtain as several books on landlording as you could obtain. Equipped with this knowledge you will have the ability to develop a positive cash flow and also a long term connection with your tenants whenever you put the “For Rent” check in the yard.\nWith the buy and hold technique you generally have 3 revenue streams addressing when.\nAmortization; while paying your home loan you additionally decrease the amount you owe.\nRecognition; while possessing the home it increases in worth.\nTax incentive; as a landlord you will be able to subtract your investment price over numerous years. (See you tax obligation expert for expert advice).\nBased on this information you can easily see that also if the rent does not cover 100 % of your mortgage repayment you will still have the ability to produce a favorable capital.\nThis is the art of “buying” as well as “selling” realty financial investment without actually taking possession. In a flip scenario property agreements obtain appointed as well as the individual who appoints the agreement to someone else generally obtains a payment for their services. That’s exactly how you could generate income with property without debt checks or no cash down. Since you never acquire the residential property, you do not should apply for a home mortgage.\nYou only require 2 points to be able to flip a house. First, you should find an eye-catching property that will offer very rapidly. Second, you need to find a customer within a really brief amount of time. Normally 2-3 weeks. After that you simply flip the contract to the new customer and you will accumulate your commission at a so called “double closing”.\nThis appears challenging in the beginning, but with a little method you will certainly have the ability to produce a great income from this. Incidentally, this is the preferred idea of the majority of property “experts” that show up in late night paid announcements.\nRehabs are one of the most risky type of real estate investments. You search for an inexpensive, run-down building and you wish that your initial remodel expense price quotes will leave enough space for a great earnings. Well that’s the concept. Many investor are failing with this kind of approach.\nYou either really did not get the home affordable adequate to earn a profit or the problems are a lot more comprehensive than approximated which will certainly balance out the affordable acquisition price. To make matters worst. If throughout the rehab phase of usually 3-4 months the marketplace is going south all bets are off. Trust me, I made my share of experiences with this and also I told myself, never ever once more.\n4. Business Property Investment\nWhat pertains to your mind initially when you consider business property investment? Big manufacturing facility complexes, going shopping malls or maybe huge office complex. Well, my response is much simpler. Anything bigger than a 4 system apartment building, some call it fourplex, is taken into consideration industrial. The terrific thing with commercial realty is that the value of the building is determined by the rent revenue it produces and also not by just how crazy people are opting for bidding on property realty.\nIn theory there’s no such point as vendors or purchasers market for industrial real estate. I created a total post regarding the pros and cons of industrial real estate. So I maintain this short. Personally I enjoy business real estate. Of course, commercial property is basically off restrictions for newbies, since commercial real estate lending institutions intend to see some type of previous experience in realty investments. However, if you got some experience, go for it. As an added advantage; the competition is much less.\n5. New Building\nThis is one of the most inexpensive and also easiest way of realty investment. Entering into the earliest stage possible of a brand-new advancement is a sure thing to make loan. Keep an eye on the market and also you will have the ability to offer your new home before building and construction is completed. The construction firms don’t like this, so they limit the number of homes an individual can purchase. However, maintain 1 or 2 residences regularly under construction as well as you will make some good earnings. Certainly this functions only in a vendors market. Steer clear of from this approach in a buyers market or when you see big changes in the regional real estate market.", "domain": "finance"}
{"url": "http://www.comada.com/hedge-fund/hedge-fund-of-fund/", "date": "2013-05-18T21:37:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368696382892/warc/CC-MAIN-20130516092622-00029-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9462222456932068, "token_count": 520, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__185615658", "lang": "en", "text": "Hedge fund of fund\nProviding funds of funds with a better liquidity picture\nComada is a specialist provider of technology solutions for the hedge fund of fund sector. Our core M.A.T.ware technology has been developed to meet the needs of managers of alternative investment fund portfolios.\nOur track record in developing connectivity applications for fund management organisations and banks has allowed us to build easy to deploy applications that meet the changing needs of hedge fund of fund portfolio managers.\nM.A.T.ware – tracking real and hypothetical liquidity risks\nM.A.T.ware is a web-delivered application that can be easily installed in any hedge fund of fund organisation. It does not conflict with legacy systems, and indeed can enhance the internal operations of a hedge fund of funds business. Beyond that, however, it can also help portfolio managers to track liquidity risk within portfolios, model various hypothetical scenarios involving funds held or prospective investments, and provide fund mangers with an unprecedented degree of oversight of their portfolios.\nM.A.T.ware also lets the hedge fund of funds manager enjoy a high degree of connectivity with custodian banks and fund administrations, allowing real-time trade confirmation and accurate pricing information to be collated on a single screen and updated every day.\nThis level of communication with service providers is helping to revolutionise the way hedge fund of fund managers do business, helping them to address the increasing demands from investors for accurate and regular reporting, particularly in terms of liquidity risk.\nSpecialists in hedge fund of fund solutions\nComada’s established expertise and roots within the hedge fund of funds and structured products worlds mean we have the capacity and the historical knowledge to develop applications that bring real added value to hedge fund of funds operations.\nUsed by some of the leading banks and fund administrators in the alternative investments business, our technology is employed to improve existing processes as well as enable our customers to get ahead of the game when it comes to implementing new platforms and processes for their alternative investment businesses.\nFlexibility combined with durability\nM.A.T.ware represents over a decade of development in the hedge fund of funds space. It is designed to meet the demanding requirements of the manager of hedge funds of funds as well as those responsible for other alternative investment portfolios.\nM.A.T.ware caters to a range of different structures, included limited partnerships and UCITS vehicles, but most importantly it is a highly flexible application that can mesh easily with existing reporting and risk management systems, and can easily import data from third party sources.", "domain": "finance"}
{"url": "https://hip.cgph.net/faq/", "date": "2023-12-03T13:46:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100508.23/warc/CC-MAIN-20231203125921-20231203155921-00130.warc.gz", "language_score": 0.9293872714042664, "token_count": 1042, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__128160850", "lang": "en", "text": "What is the purpose of the program?\nThe Home Improvement Programs were created to assist eligible low and moderate households with repairs or replacement of major home systems (such as a roof or heating system) to correct existing interior and exterior health, safety and substandard code conditions.\nHow can this program benefit my household?\n- The program provides funding to finance repairs and/or replacements of major home systems.\n- The home improvements can make homes safer and more energy efficient.\n- A professional inspector prepares the detailed work specifications, oversees the scope of work and construction, and confirms the work gets completed according to the work specifications.\nWhat are eligible types of work?\nFunds may be used only for work and repairs required to make the house code standard ,conserve energy and remove health and/or safety hazards.\nIn order to qualify for participation in the program, at least one of the following major systems must be in need of replacement or substantial repair:\n- Plumbing (including sanitary plumbing)\n- Load bearing structural systems\n- Weatherization (windows, door, insulation)\nWhat are the eligibility requirements?\n- You own a residential property within the program’s geographic area and provide a copy of the recorded deed.\n- The property taxes and, if applicable, mortgage must be paid up to date prior to application.\n- You must have homeowners insurance.\n- The household combined annual gross income must be below the maximum income amount listed for your household size in the program that covers your geographic area (see corresponding Homeowners Link)\n- The home must have at least one major system in need of repair or replacement.\n- Some programs have a sufficient equity requirement. The owner’s equity in the home must be greater than the maximum amount of assistance that could be made available by the Program. For the sake of this rule, the market value of the home will be calculated using the municipality’s assessed value divided by the equalization ratio. If you need assistance in determining equity, please call the case manager listed in the link to the program for your geographic area.\n- If there are any repairs or renovations currently being undertaken on your home by others or yourself, or done within the last few years that require or required municipal permits, the work must be completed and the permits closed out prior to applying to the Program. Contact your municipal construction office if you have questions regarding construction permit requirements.\nWhat is considered income?\nThe combined annual gross income of all household members including wages, regular overtime, social security, disability benefits, unemployment benefits, pensions, dividend/interest income, alimony, child support, etc. A complete list will be in the formal application package.\nWhat about my confidential information?\n- All applicants are assigned a case number to protect their privacy.\n- All financial information is kept confidential.\n- Only duly authorized persons will have access to the case files.\nWhat are the funding terms?\nThere is no cost to apply and applying to this program does not affect your credit score. There are no monthly payments and no interest will ever be charged. Beyond that, funding terms vary between programs. Refer to the Homeowner Link for the program where you live for the specific funding terms.\nWhat about rental properties?\nFor additional information regarding the terms for rental units, homeowners with rental units should contact the case manager on the Homeowner Link to the program that covers your geographic area.\nHow do I apply?\nYou can either submit a pre-application from the link on this website or you can contact the case manager listed on the Homeowners Link to the program that covers your geographic area. You will then be placed in the applicant pool/wait list. When you are invited to apply depends on the current openings for the program that covers your geographic area. With most programs you will be invited to apply within days. With other programs, you will be invited when an opening becomes available. The program will invite potential applicants in the order that they contact us.\nWhat happens after I am invited to apply and submit a several page formal application?\nA CGP&H case manager reviews your application and support documentation from which you are certified either eligible or ineligible. If you are determined eligible, a program inspector will schedule a property inspection with you to determine if your property meets the minimum requirements and to determine the full scope of work. The inspector will prepare a detailed scope of work for your review and approval. Once you review and approve the scope of work and contractor list, the work is sent out to bid, generally for a 3 week bid period. The submitted bids are reviewed and the job is awarded to the lowest responsible bidder. The homeowner has the option to select a higher bid and pay the difference between the chosen bid and the lowest responsible bid. The homeowner, contractor, and program inspector then have a pre-construction conference at which time the construction agreement and program loan documents are executed. The program staff will manage the construction process. Program payments will not be released to the contractor until approved by a program inspector and the homeowner. Upon completion, you get to enjoy the home improvements!", "domain": "finance"}
{"url": "http://www.downsizingsimplified.com/household_contents_liquidating.html", "date": "2017-02-27T04:21:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501172447.23/warc/CC-MAIN-20170219104612-00563-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.9588815569877625, "token_count": 1748, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__205604537", "lang": "en", "text": "Kansas City Metro Area Residents\nPlease contact us regarding your upcoming sale needs. We'll be happy to discuss your sale with you. Mon. - Fri., 9:00 - 6:00 pm @ 816.358.6338\nLiquidating or Dispersing Household Contents Following a Downsizing Move\nor to Settle an Estate.\nWe're often asked, \"What can I/we do with what's left after the move?\" There are several options to consider when household contents need to be liquidated after a downsizing move (or to settle an estate). Making the necessary contacts and decisions prior to the move and having your liquidation plan in place is part of a successful downsizing transition.\nPlease review the various household liquidation options listed below. We consult with our customers regarding the best available option(s) and can provide guidance and assistance with aligning the right services to meet their needs.\nGifting or Selling to Family and Friends.\nGifting or selling items to family members and friends is a wonderful way to liquidate some of what remains in the home. Once you know what you won’t be taking with you, we suggest inviting family members and friends in to get a feel for what they may have an interest in. We also recommend that if possible, you talk with each person individually and keep a list or mark items as you go through the house.\nIn our downsizing seminars we’re often asked about the importance of each child receiving items of equal value. It would be nice if that were at all possible, but in most families, it just isn’t. Depending on the family dynamics, we find that most children and grandchildren will make emotion-based choices over monetary ones; that special personal connection to something, not the dollar value. And of course there are times when “drawings” can be used when more than one person shows an interest in an item. A downsizing move can be stressful and we encourage people to use creative ways if necessary to avoid additional stress in the family.\nHere’s our cautionary statement for this section. Please don’t assume that what you have earmarked for a family member or friend will always be warmly accepted. To avoid having your feelings hurt or being disappointed in any way, we suggest that you ask before you give (get a feel for the interest level). Most people have more than their fair share of stuff to deal with and may not want anything additional in their homes. And many times\neven a difference in decorating styles or tastes can keep the person from accepting something as a gift. It is not uncommon to see family china turned down as today’s young adults do not entertain in the same manner as their parents or grandparents. Whatever the case may be, we recommend asking first when it comes to passing things down through the family or gifting to friends.\nSale. Auction. Donate. Consign.\nIf there is enough content left in the house once you’ve moved, and if you’re truly downsizing there should be, you may decide to have a sale or an auction to liquidate what remains. There are different types of sales and each one is content-value-driven with garage sales being at the lower end of the money-making scale.\nAll sales must be advertised in order to draw buyers, so don't forget to figure in the cost of advertising. It's wise to also check with your community regarding sale-related signage and any restrictions or permits you may need in order to hold your sale. Playing by the rules of your city is smart and could keep you from having your sale shut down on the first day. Take the time and ask the questions.\nGarage sales consist of general or everyday household, garage, and basement items priced fairly low in order to sell the merchandise as quickly as possible. These sales are typically managed by the seller (or family) and will net far less than a moving or estate sale, or auction. If you are considering a garage sale, keep in mind the time it takes to put a sale together. As you are sorting and paring down you may want to consider separating out and pricing items for the sale. Presorting and pricing of items may also be a time saver if you will be having a moving sale.\nA moving sale has more items and an overall larger content value than a garage sale. This type of sale will also be managed by the family and will include furniture in addition to general household items. There are usually several rooms or areas in the home that have items for sale. Following the sale, the remaining contents are usually donated to a charitable organization.\nAn estate sale, or a living estate sale, will consist of a variety of higher-priced antiques and collectibles in addition to the everyday or general contents of the home. If the sale has a good mix of quality items, it will net the owner much more than a moving sale. Most generally, estate sales last several days and are managed by companies that specialize in estate-type content. These companies are very knowledgeable about antiques and collectibles and they have a good reputation in their community with a strong dealer following or loyalty (very important!).\nEstate sale companies will vary as to their fee structures but most will charge a percentage of the sale proceeds in addition to other charges. Many companies will not hold a sale unless there is a minimum content value because of the amount of preparation work involved in setting up a sale. Best advice is to take the time to discuss and understand how the company does business--their fees, advertising, and general policies and procedures. Also try to plan in advance when hiring an estate sale company as their schedule may not be able to accommodate your sale when you need it.\nAn estate auction is the selling of the household contents for the highest price and if on-site, within a few hours. Today, many auction companies will not sell the contents of the house without also contracting to sell the real estate or the property. Depending on the seller’s situation and/or the estate, selling the property and contents in this manner may be advantageous as the entire sale is completed in a short amount of time. In addition, there are also auction houses that will pick up the contents (usually for a fee or an additional sale\npercentage) and will sell it at, or within their place of business. Auctions can be the quickest way to liquidate an estate, but as with any major decision, it pays to thoroughly investigate your options.\nAnother fairly quick way to liquidate remaining household contents is by donating to a charitable organization. Again, investigate as some things have changed in the donation or thrift store business. Call ahead and ask what the organization will accept and if they have pick-up services. Some thrift stores (at least in the KC area) will no longer pick-up and some will make a pick-up only if there are pieces of furniture in good, usable condition. Many no longer want or will accept electronic equipment such as televisions or older technology like computer monitors, scanners, printers, etc. We had an organization tell us recently that they were no longer accepting any holiday items because they had no place to store them.\nIf you're needing a receipt for tax purposes you should compile your own list in advance and apply the value you believe the items are worth. The organization will also apply their values in most cases and then send you the receipt. Remember to ask questions of the donation center in advance in order to avoid misunderstandings or unnecessary work.\nFor good furniture, tasteful decorative items, and higher-end fashions, consigning to a shop that specializes in selling quality used items may be another consideration. Consignment shops typically work on a percentage of sale basis and may or may not have a sale time limit applied to the items consigned. The owner will usually confer with you regarding a fair market value price for the piece(s) being consigned in their business. If they have a time limit as to how long they have merchandise on their floor and it doesn't sell, they may request a mark-down on price(s). If the consignment item(s) does not sell following a reduction in price, they will request the item be picked up. Remember to check around to determine the shop that best fits your selling needs. You may also be responsible for transporting furniture to the shop--something else to think about.\nReturn from Household Contents Liquidating Having a Sale or Auction to Downsizing Simplified Home Page", "domain": "finance"}
{"url": "https://ccsu.makekb.com/entry/161/", "date": "2024-03-02T04:25:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475727.3/warc/CC-MAIN-20240302020802-20240302050802-00763.warc.gz", "language_score": 0.8945017457008362, "token_count": 237, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__152021924", "lang": "en", "text": "Students are charged for printing in order to offset the cost of printer maintenance, paper, and toner. The PaperCut printing systems is set up in the Student Center, Library, and TechCentral (former Student Technology Center). Students need to have money on their CCSU Blue Chip ID card to print.\nHow to Access:\nChoose File/Print from within an application on computers in the Library, (2nd and 4th floors), Student Center, or TechCentral. Print to the HP-Find-Me print queue.\nHow to Request:\nAll faculty, staff, and students have access to print via Papercut.\nCurrent costs for printing:\nYou will need to have money on your Blue Chip card to print, balances may be checked at https://get.cbord.com/ccsu. Add money to your Blue Chip card online via WebCentral-Central Banner Web or by depositing cash in a Card Value Center. Please note that Flex Dollars are related to a meal plan and may not be used for printing. You will need money on your Blue Chip account to print.\nArticle ID: 161\nLast updated: 13 Dec, 2022", "domain": "finance"}
{"url": "http://releasedatesnewcars.com/tesla/", "date": "2019-02-17T04:46:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-09/segments/1550247481612.36/warc/CC-MAIN-20190217031053-20190217053053-00356.warc.gz", "language_score": 0.9779368042945862, "token_count": 853, "dump": "CC-MAIN-2019-09", "global_id": "webtext-fineweb__CC-MAIN-2019-09__0__64921219", "lang": "en", "text": "Panasonic is one huge and very successful company. They slowly developed technology which is good enough for Tesla Motors and they now have the exclusive right to supply Tesla Motors with lithium ion batteries. We have already known that Panasonic has a good business relationship with Tesla but their most recent move caught us off guard.\nWe have already informed you about Tesla’s plans for Gigafactory. For those uninformed, Gigafactory is Elon Musk’s biggest investment in the auto industry so far. He wants to make a sort of revolution and to bring his electric vehicles available for general population by cutting down prices. That Gigafactory will have all steps of car manufacturing under one roof in order to do that.\nThe thing that surprised us was the official report. Panasonic will make Tesla Motor’s Model 3 lithium ion batteries exclusively, and it will raise 3.9 billion dollars in corporate bonds to invest into Gigafactory with Tesla. The investment this huge has to have some really durable backbone in order to be sustainable for a longer period of time.\nPanasonic has “pledged” itself by contract as a principal partner with Tesla. The goal of the partnership was (is) to substantially reduce the price of long-range battery packs and to establish a facility which could mass-produce electric vehicles.\nSince Panasonic sees automobile industry as a potential “wind in their sails”, the main priority is a successful Gigafactory. There is no evidence that can point to something bad in the production, but this investment is too large to be a mere partnership obligation. We already know that this is a big investment, and one of the greatest risks, Elon Musk has ever made, but can this be a hint that something bad is happening? Maybe the expenses grew too much for Tesla?\nLet’s look at this situation from an economy point of view\nAfter Panasonic raised 3.9 billion dollars from bonds to help Tesla’s Gigafactory, they immediately felt the 13 percent decrease in their profit and 5.9 percent drop in their total revenue, to about 17 billion dollars. The official report is that they believe the drop is caused by their deal with Tesla, but only partially. The main headquarter is in Osaka, Japan but they have special department only for automotive industry called Panasonic Automotive Systems Co. That department, solely, has the estimated revenue from auto parts sales of about 10 billion dollars in its 2015 fiscal year. So is their profit decrease important? Is it even noticeable?\nPanasonic is a corporation with a long history. Their roots go before any of us were even born and they handled every situation, every crisis, even great war without stumbling. They went into this business with Elon Musk, with capital large enough to decrease their profit by a tenth in a second. But they did this for their long-term growth.\nTesla Motors is not a single company in Elon Musk’s hands. Everything that he has created brought him a great deal of money, but there were no easy steps. Every decision he made about his business was risky. We all looked at him in wonder, as he was spending millions (he earned by selling PayPal) creating his Roadster, and he earned billions by making that risk. Then he started building rockets and telling people he will go to Mars, and we laughed. A couple of months ago the entire USA filmed with their cameras some “meteor” going slowly into the atmosphere, but nobody knew that was Elon Musk’s rocket going back to its landing platform. Even NASA is using his rockets, so nobody is laughing now.\nHistorically and for the sake of future, we can only say that Panasonic has chosen the right ally in this silent war of economics. They couldn’t have chosen a better partner. And if they decided to back them up, that can only be a proof that there is nothing to worry about. In the end, only time will tell us if there is something “fishy” going on with Gigafactory and the future of Tesla. Or maybe we will never find out. For now, we can only sit, enjoy and wait for the next story.", "domain": "finance"}
{"url": "https://re.report/featured-news/dreamscape-companies-and-meritage-group-acquire-new-construction-nashville-holiday-inn-and-suites-downtown", "date": "2023-06-06T12:18:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224652569.73/warc/CC-MAIN-20230606114156-20230606144156-00248.warc.gz", "language_score": 0.9447073340415955, "token_count": 717, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__106570825", "lang": "en", "text": "A joint-venture between affiliates of Dreamscape Companies and Meritage Group LP completed the acquisition of the Nashville Holiday Inn & Suites Downtown, a newly constructed hotel situated in the heart of Downtown Nashville in the city's vibrant SoBro (South of Broadway) neighborhood. This purchase marks Dreamscape's second hospitality transaction in the city in 2021, having acquired The Sheraton Grand Nashville Downtown in June. The purchase of this 230-room hotel underscores Dreamscape's commitment to expanding its presence in the Nashville market, as well as identifying prime growth opportunities in key regional areas across the country.\n\"We are very pleased to be partnering with Meritage on this exciting deal. Nashville has long signified an area of keen interest for us, and after entering the market earlier this year with the purchase of The Sheraton Grand Nashville Downtown, we immediately knew that we wanted to expand our footprint in this booming city, which continues to attract tourists from all over the country as well as across the globe.\"\n-Eric Birnbaum, Founder and CEO of Dreamscape Companies\n\"We are thrilled to be expanding our presence in Nashville given the strong market fundamentals. This transaction marks Dreamscape's fifth acquisition in the last year and fits squarely into our thesis to acquire assets in high-growth markets at an attractive basis.\"\n-Scott Broder, President of Dreamscape Hospitality\nThe Nashville Holiday Inn & Suites Downtown, located at 415 4th Avenue South, has been outfitted with 230 rooms and 8,700 square feet of first-class meeting space, making it an ideal establishment for leisure and business travelers alike. The property, which opened its doors just two years ago, also includes the street front cocktail bar and restaurant, 4th and Peabody, which is preparing to undergo a thoughtful renovation, as well as an on-site parking garage. In addition to reimagining the hotel's dining concept, Dreamscape is also planning to integrate additional retail concepts within the property's expansive lobby.\n\"We are pleased to partner with Dreamscape to acquire another leisure-oriented, new construction hospitality asset in a dynamic growth market. This is a continuation of Meritage's broader commitment to investing in downtown Nashville, which began in 2017, and this marks our fifth investment in Nashville of strategically located, urban-core assets.\"\n-Jared Halperin, a Managing Director at Meritage\nLocated just a short walk from the city's ever-bustling and widely trafficked Broadway strip, the Nashville Holiday Inn & Suites Downtown places visitors in close proximity to Bridgestone Arena; Music City Center, the city's convention center; and other iconic institutions and landmarks. Additionally, those craving the best Nashville has to offer will delight in knowing that the hotel is situated just across the street from Nashville's famous barbeque restaurant, Martin's BBQ Joint.\nDreamscape's mission is to create long-term financial prosperity through a diversified portfolio of differentiated, forward-thinking real estate projects. Led by Founder and CEO Eric Birnbaum, Dreamscape owns and operates residential, retail, hospitality, entertainment and gaming properties, (re)developing experience-centered spaces that focus on maximizing each property's intrinsic value.\nAbout Meritage Group LP\nMeritage is a fundamentally-oriented investment firm with assets under management in excess of $11 billion as of December 31, 2020. Meritage invests in public and private equity, credit and real estate. The firm has approximately 50 employees in offices located in Greenwich, New York City, and San Francisco.", "domain": "finance"}
{"url": "https://royalearn.org/navigating-financial-excellence-unravelling-the-essentials-of-financial-lines-insurance-in-business/", "date": "2024-03-03T03:02:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476180.67/warc/CC-MAIN-20240303011622-20240303041622-00704.warc.gz", "language_score": 0.9301712512969971, "token_count": 744, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__159028389", "lang": "en", "text": "Running a business comes with inherent risks and uncertainties, making protecting against potential losses and liabilities crucial. Commercial insurance is pivotal in providing a safety net for businesses, regardless of their size or sector. This article will delve into the foundations of business liability insurance, its significance, and why it is an indispensable component of a comprehensive risk management plan.\nFoundations Of Commercial Insurance\nCommercial insurance is a specialised coverage created to shield businesses from a spectrum of risks and potential financial losses. As a safety net, it protects against unforeseen events such as property damage, lawsuits, worker injuries, or natural disasters.\nVarious Types Of Commercial Insurance\nBusinesses can choose from various commercial insurance plans tailored to meet different industries’ unique needs and risks. Some notable categories include:\n- General Liability Insurance: Covers monetary penalties from third-party lawsuits alleging personal, property, or bodily harm. *\n- Insurance For Directors And Officers: Protects personal assets of directors and officers against lawsuits stemming from their decisions or actions. *\n- Property Insurance: Covers physical assets like buildings and machinery and inventory against theft, fire, natural disasters, accidents, and other perils. *\n- Business Interruption Insurance: May provide coverage for financial losses due to business interruptions caused by fires or natural disasters. *\n- Workers’ Compensation Insurance: Mandatory in India, can pay for medical costs and benefits to workers who suffer illnesses or injuries at work. *\nBenefits Of Commercial Insurance\nCommercial insurance offers several advantages for businesses in India:\n- Asset Protection: Safeguards tangible assets like property, machinery, and supplies against risks such as fire, theft, vandalism, and natural disasters.\n- Liability Coverage: Liability business insurance shields against third-party lawsuits, covering settlements, awards, and defence expenses, alleviating financial burdens.\n- Business Continuity: Covers lost income and ongoing costs during interruptions, ensuring businesses can maintain operations until normalcy is restored.\n- Product Liability Coverage: Essential for businesses producing goods, it defends against lawsuits related to faulty products, covering legal costs and settlements.\n- Employee Risks: Covers risks associated with employees, including workers’ compensation for injuries and employee liability insurance for complaints of wrongful termination, harassment, and discrimination.\n- Professional Indemnity: Beneficial for service providers, it offers financial coverage for potential damages and legal defence costs in case of professional claims.\n- Peace Of Mind:Allows business owners to focus on core operations without worrying about unforeseen events or liabilities, providing security.\n- Legal Compliance: Ensures adherence to legal obligations, such as the requirement for workers’ compensation insurance in India, preventing fines and legal issues.\nCommercial insurance is a crucial safety net for businesses, offering protection against unforeseen circumstances and potential financial losses. It provides a comprehensive solution to manage various risks, giving owners and stakeholders peace of mind. Beyond safeguarding assets and finances, business liability insurance allows businesses to concentrate on core operations and strategic expansion. Claims are subject to terms and conditions set forth under the commercial insurance policy.\nBusiness owners must make informed decisions based on a thorough understanding of business property insurance nuances. Moreover, meeting the expectations of clients, partners, and regulatory agencies by having the necessary coverage in place enhances a business’s credibility and trustworthiness. By embracing commercial insurance, enterprises establish a robust foundation for long-term success, effectively managing risks and ensuring a secure future.\n*Standard T&C Apply\nInsurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.", "domain": "finance"}
{"url": "http://autika.com/", "date": "2018-12-11T13:27:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-51/segments/1544376823621.10/warc/CC-MAIN-20181211125831-20181211151331-00012.warc.gz", "language_score": 0.9477522373199463, "token_count": 290, "dump": "CC-MAIN-2018-51", "global_id": "webtext-fineweb__CC-MAIN-2018-51__0__117769575", "lang": "en", "text": "Mergers and acquisitions can never be about finance alone.\nIn the digital sphere, the bigger picture is rapid growth – the ability to bring potentially powerful services or applications to the world before more global companies do it. This is the context we all work in. And this is where I come in.\nIt’s a stark truth that companies in the digital sphere must choose between growth or almost certain death. Growing organically simply takes too much time.\nConversely, young companies that go for growth through mergers or acquisitions are uniquely poised to play on a far wider regional, national or even international stage.\nNot all opportunities are born equal. For the magic to occur, people that choose to go the M&A path must share the right combination of passion, values and professionalism in everything they do.\nMy role is to find companies with such people and conclude deals between them. Companies that match in terms of people, strategy, competencies and clients. The result is fast and above all scalable growth – the nirvana of every digital company.\nIf your company has hit a glass ceiling, if you see the need to add a new market to your offering or a new set of business skills to your offer, call me.\nThrough Autika I have concluded more than 30 M&A transactions in 13 European countries, raised capital from investors in 7 European countries and concluded MBOs and strategic partnerships.My latest transactions", "domain": "finance"}
{"url": "https://www.joshuasoutpost.com/support/", "date": "2023-03-20T22:45:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943562.70/warc/CC-MAIN-20230320211022-20230321001022-00564.warc.gz", "language_score": 0.9191796183586121, "token_count": 275, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__194465088", "lang": "en", "text": "Here are ways you can help lend your support!\nWhile financial support is not (and will never be) required to access our content, your support in any amount would be greatly appreciated and will be re-invested to further the work of this ministry. For example, your assistance will not only help keep Joshua’s Outpost up and running, but it will also help us create and curate additional content and to grow our voice larger in proclaiming the Gospel to men all across the world. You may lend your voluntary support in one of the following ways:\nCommit a monthly gift of $1, $5, $10, or $20 with Patreon. Choose the Tier that best suits you and enjoy exclusive discounts and free merchandise from Joshua’s Outpost shop.\nDonate using your Venmo app\nContribute any amount you wish. Click here to contribute via Venmo\nPrefer the traditional method? Checks from US institutions are welcomed! Email firstname.lastname@example.org for additional details\nIMPORTANT TAX INFORMATION: Joshua’s Outpost is NOT a designated 501(c)(3) charitable organization, though giving directly connected to missions efforts are tax-deductible. Please consult your tax advisor to determine the deductibility of your gift.", "domain": "finance"}
{"url": "https://science.autonomoussites.com/the-betrayal-of-ftx-sam-bankman-frieds-unethical-practices-revealed/", "date": "2023-12-03T04:22:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100484.76/warc/CC-MAIN-20231203030948-20231203060948-00455.warc.gz", "language_score": 0.9416040182113647, "token_count": 895, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__252340159", "lang": "en", "text": "In a shocking turn of events, Zixiao “Gary” Wang, the former business partner of Sam Bankman-Fried, testified in court regarding Bankman-Fried’s unethical behavior. Wang, who co-founded FTX with Bankman-Fried, confessed to using FTX clients’ funds without permission to invest in Bankman-Fried’s personal hedge fund. As the trial unfolds, it becomes increasingly evident that Bankman-Fried knowingly manipulated the system for personal gain, leaving customers devastated and the future of FTX uncertain.\nAs the first major witness in Bankman-Fried’s trial, Wang shed light on the extent of his former partner’s illicit activities. Bankman-Fried faces seven charges, including fraud, embezzlement, and criminal conspiracy. These charges carry severe penalties, potentially leading to over 100 years in prison. It is evident that the collapse of FTX in November 2022 was a direct result of Bankman-Fried’s actions, as he committed FTX’s funds to risky endeavors through Alameda Research, his personal hedge fund.\nWang testified that Bankman-Fried intentionally modified FTX’s software in 2019 to grant unlimited funds withdrawal privileges to Alameda Research. This modification was concealed from the public and investors, directly contradicting Bankman-Fried’s public statements. He deceived journalists and investors by falsely claiming that Alameda was treated like any other trader on FTX and that customers’ funds were not utilized for other purposes. Wang’s revelation highlights Bankman-Fried’s willingness to break the law and deceive others for the sake of FTX’s growth and profitability.\nThe Implications of Stolen Customer Funds\nAs Bankman-Fried’s unchecked manipulation unfolded, customers’ funds were misappropriated without consent. It is estimated that $8 billion in customers’ funds were missing at the time of FTX’s bankruptcy, borrowed by Alameda and unable to be reimbursed. Bankman-Fried went to great lengths to cover up these transactions, requesting customer losses to be recorded under Alameda to protect FTX’s reputation. This egregious behavior not only violated the trust of FTX’s customers but also revealed Bankman-Fried’s disregard for the consequences of his actions.\nWang’s testimony also sheds light on the toxic culture fostered by Bankman-Fried at FTX. His willingness to break the law and lie to employees, journalists, and investors demonstrates a complete lack of integrity. Wang’s cooperation with federal prosecutors indicates his recognition of the wrongdoing and further exposes Bankman-Fried’s manipulation of those around him. This culture of deception ultimately led to FTX’s stunning collapse, leaving countless innocent parties in financial ruin.\nWhile Wang’s testimony offers valuable insight into Bankman-Fried’s unethical practices, the trial is far from over. Former Alameda Research CEO Caroline Ellison, who has also pleaded guilty, is expected to testify and provide additional evidence against Bankman-Fried. As the trial resumes, the extent of Bankman-Fried’s wrongdoing will become even clearer, ensuring that justice is served.\nThe Repercussions and Uncertain Future of FTX\nThe revelation of Bankman-Fried’s unethical practices has irreversibly damaged FTX’s reputation. Customers who entrusted their funds to the platform are left questioning its integrity and security. The collapse of FTX not only resulted in significant financial losses but also created a level of uncertainty within the cryptocurrency trading community. It remains to be seen whether FTX can regain the trust of its former customers and rebuild itself from the ashes.\nSam Bankman-Fried’s trial has unveiled an alarming pattern of misconduct and deception. His selfish actions have caused immense harm to FTX’s customers and tarnished the integrity of the cryptocurrency trading community. As the trial progresses, it is crucial to hold individuals like Bankman-Fried accountable for their actions, ensuring a safer and more trustworthy environment for all investors. The outcome of this trial will undoubtedly shape the future of FTX and set a precedent for the consequences of unethical behavior in the crypto industry.", "domain": "finance"}
{"url": "https://adglobi.com/Index/faq_payment", "date": "2023-12-09T06:12:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100800.25/warc/CC-MAIN-20231209040008-20231209070008-00770.warc.gz", "language_score": 0.8959997892379761, "token_count": 286, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__113640789", "lang": "en", "text": "a. What are your payment terms?\n- Our payment terms are simple – all campaigns must be pre-funded before they can go live. You can pay via our payment section, or when you place your order. Experiencing issues? Contact us at [email protected].\nb. Is there a minimum or maximum amount that can be added?\n- We set very reasonable minimums and maximum amounts for mobile app marketing campaigns. You can add as little as $1 or as much as $1,000 per transaction.\nc. What are the available payment options?\nWe accept PayPal & Wire Transfer for global advertisers at present. However, we will be adding Skrill shortly. For Indian advertisers, we accept CCAvenue. We are also happy to accept credit cards, debit cards, Paytm, UPI & net banking, and more.\nd. Do you accept wire transfer?\nYes, we do accept funds via wire transfer. Kindly check below bank details:\nPayee Name: Adglobi Media\nBank Name: State Bank of India\nAccount number: 38554538571\nIFSC code: SBIN0005551\nSWIFT code: SBININBB531\nBranch Name: KHOPOLI\nBranch Address: Navanath Colony, DC Nagar Area, Shri Ram Nagar, Khopoli, Maharashtra - 410203", "domain": "finance"}
{"url": "https://www.thecreditexpress.org/business-funding/merchant-cash-advances/", "date": "2024-03-01T12:59:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475311.93/warc/CC-MAIN-20240301125520-20240301155520-00138.warc.gz", "language_score": 0.9378414750099182, "token_count": 578, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__81709356", "lang": "en", "text": "Merchant cash advances are currently the most popular form of alternative business funding methods out there, and we like to think it’s for good reason. Merchant Cash Advances allow you to sell off future credit card sales at a discount, which in turn will give you a loan-like way to get the money you need without having to jump through the hoops of typical lending methods.\nHow It Works\nWith a Merchant Cash Advance, what you are basically doing is selling off your future credit card sales for money right now. The company that gives you the advance is buying those sales at a discount, most often using a factor equation to figure out how much of a discount you will be selling those sales for. Overall, the average APR equivalent of a Merchant Cash Advance can range anywhere from 15% to 80%. (Your specialist can explain this in further detail.)\nWhy Our Clients Love Merchant Cash Advances\n- It’s a popular trend, and it’s one you should consider joining if you need business funding in a flash!\n- Approval within 24 hours, funding within days. Most MCA’s get approved within a single day, and funds are available in under a week.\n- Simple, fee-free, no obligation applications. It only takes a single page of paperwork to get the funding you need. There’s no fees involved, and you’re not obligated to accept the offer if you decide against it.\n- Tax deductible interest rates. It’s like getting a small bonus at the end of tax season.\n- Bad credit is A-OK! Merchant cash advances don’t hinge on credit scores, so you can have a low credit score and still get funding.\n- Advances can be up to $750,000. In other words, it will most likely exceed the amount of money traditional banks would have offered you.\n- You get full control of the money. There are no limits on how you can use the money. It’s all up to you!\n- Super flexible payment terms. Simply put, if you don’t make sales in one week, you don’t pay that week. This is because cash advances are about selling off your future sales. If you make more sales in one week, you pay more, but take less time to pay off everything.\n- Short term lending. Most advances are paid off within 4 to 18 months.\n- Get Cash Fast!\nA Merchant Cash Advance is easy to apply for, and can get you the money that you need in a flash.\nReady to get started?\nGive us a call to (678) 983-4555, shoot us an email to firstname.lastname@example.org, or come over and visit us for coffee.", "domain": "finance"}
{"url": "http://www.smartfees.com.au/directdebit.htm", "date": "2013-12-11T19:00:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164043900/warc/CC-MAIN-20131204133403-00056-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.8593750596046448, "token_count": 247, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__143085741", "lang": "en", "text": "SmartFees Direct Debit\nWhat are the benefits?\n- Improve your cashflow\n- Reduce bad debts\n- Save time and avoid mistakes by eliminating manual payment entry\n- Give parents an easy method of paying fees\n- Send free emails and SMS to your direct debit parents\nHow does it work?\n- Parents elect to have fee payments direct debited from either a bank account or a credit card.\n- Direct debit transactions are triggered from within SmartFees CCMS by you and can then be sent to a secure payment processing gateway for authorisation and processing.\n- Payments are then automatically deposited into your bank account.\n- We recommend ChildCare EasyPay as your choice for processing of direct debit payments.\n- For existing SmartFees clients, detailed instructions for setting up Direct Debit are available from the SmartFees online Help.\nClick here to view the SmartFees Direct Debit webinar.\nClick here for more information about SmartFees direct debit using ChildCare EasyPay.\nFor more information about ChildCare EasyPay, visit www.childcareeasypay.com.au.\nClick here for more information about the ChildCare EasyPay /SmartFees partnership.", "domain": "finance"}
{"url": "http://annualreport.rockefeller.edu/funding/", "date": "2017-07-23T02:33:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549424239.83/warc/CC-MAIN-20170723022719-20170723042719-00327.warc.gz", "language_score": 0.9362791776657104, "token_count": 606, "dump": "CC-MAIN-2017-30", "global_id": "webtext-fineweb__CC-MAIN-2017-30__0__129308923", "lang": "en", "text": "Only with structured, stable funding can scientists see their work progress from initial hunch to new technology. Rockefeller’s approach to funding is designed to direct dollars to the projects with the greatest potential.\nScience by its very nature is a costly enterprise. To make progress, scientists must ask questions to which they don’t know the answers. Then, to answer those questions, they must dedicate considerable time, creativity, determination—and money.\nFunding for science comes from many sources. Grants—especially from the federal government—play an important role in funding the work that takes place at Rockefeller, but it’s not enough. To tackle especially risky projects and to explore unexpected results, additional funding mechanisms are needed.\nAt Rockefeller, every faculty member receives an annual allocation from the university’s research budget, an unrestricted grant that the head of laboratory can use in whatever way he or she wishes. We also have money earmarked for work related to specific diseases, including cancer, digestive disorders, Alzheimer’s disease, and immune disorders, and for specific types of research, such as clinical research. These funds derive from the university’s endowment and from generous gifts made by private foundations and individuals. Rockefeller’s stable base of support, backed by a $2 billion endowment and maintained by our exceptional group of committed donors, makes it possible to do research that might never occur elsewhere.\nOver the past few years, we have launched several innovative funding initiatives designed to encourage high-risk research and fill in the gaps left by traditional sources of revenue.\nThe Robertson Therapeutic Development Fund, established in 2014 with a gift from Julian H. Robertson Jr.’s Robertson Foundation, is dedicated to developing basic research discoveries into new medical therapies. Of the thousands of clinically promising innovations scientists come up with each year, the vast majority never advance beyond the lab. The Robertson Fund provides grants of $10,000 to $1 million or more to support medically significant research that has evolved beyond the basic research stage, but has not yet amassed sufficient data to attract industrial or venture capital.\nProjects with pharmaceutical potential can also advance in the Tri-Institutional Therapeutics Discovery Institute, a joint initiative of Rockefeller, Memorial Sloan Kettering Cancer Center, and Weill Cornell Medicine. Staffed with experts in drug discovery from the biotech and pharmaceutical industries, the institute has independent funding to develop compounds and conduct “proof of concept” studies in order to demonstrate that targeting a specific biologic pathway can favorably alter the course of a disease.\nInitiatives that support specific research areas play a critical role at Rockefeller, funding exploratory work and encouraging collaborations between labs working on similar problems. The Kavli Neural Systems Institute at Rockefeller, established with support of the Kavli Foundation, is a $20 million effort to promote interdisciplinary research and to tackle the biggest questions in neuroscience through high-risk, high-reward projects and the development of new research technologies.", "domain": "finance"}
{"url": "https://bertigt.com/terms", "date": "2021-04-17T08:34:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038118762.49/warc/CC-MAIN-20210417071833-20210417101833-00044.warc.gz", "language_score": 0.9427868127822876, "token_count": 110, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__227205204", "lang": "en", "text": "Terms & Conditions\n1) Payments: For wired payments, customer must bear the transfer charges.\n2) PDC payments and credit facilities are not allowed.\n3) Customer must make a 100% down payment in order for material to be released to the customer. Once payment is credited to seller, only then material is released to customer.\n4) All sales are final, there are no refunds.\n5) Berti General Trading LLC reserves the right to withhold the shipment to the customer in the event that terms are not met.", "domain": "finance"}
{"url": "https://www.emcoshophk-printmats.com/pages/order-instructions", "date": "2023-09-22T19:18:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506421.14/warc/CC-MAIN-20230922170343-20230922200343-00076.warc.gz", "language_score": 0.9155891537666321, "token_count": 473, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__84160269", "lang": "en", "text": "- After selecting the products, click \"Add to Cart\"，then click \"Checkout\" in the shopping cart.\n- Input the payment details and click \"Place Order\" to proceed to payment.\n- When the order is successful, you will receive an order confirmation email. If you do not receive it, please check your spam folder. In case you still cannot find the confirmation email, please contact us.\n- If electronic payment is selected, the payment process will be encrypted and handled by the respective platform. We will not attain any information of your credit card and related information. The payment platform may collect an extra service fee.\n- If you choose to pay by bank transfer/ATM, you have to pay to the following account within 48 hours. The payment proof or deposit slip should be sent to (852) 5445 7075 via Whatsapp/ Signal. After order completion and receiving your proof of payment, generally we will validate and arrange the delivery in 10 working days, a notification email will be sent to you. If you still haven't received the notification after 10 working days, please call (852) 5445 7075 or email firstname.lastname@example.org. If you cannot complete the payment within 48 hours and send us the proof of payment, please notify us in advance, otherwise the order would be cancelled.\n【Account details】Beneficiary Name: emco Novus International LimitedBank Name: Bank of China (Hong Kong) LimitedBank Code: 012Account No.: 885-2-028155-1\n- Once the payment is completed, the order cannot be cancelled.\n- In the order process please carefully choose the delivery method and input your information. The order cannot be edited after order confirmation. If you need local (HK) delivery services, you can choose SF services (delivery cost is paid by customers) or pick up the products in our office.\n- SF delivery: After order confirmation and payment completion, products would be delivered within 10 working days. Delivery generally take 1-2 working days (for accurate delivery time please refer to SF Express, delivery fee is paid by customers.)\n- If you choose to pick up in our office, please visit in our office hour.\nPlease read the Terms and Conditions before purchase.", "domain": "finance"}
{"url": "https://omegafinancialgrp.com/", "date": "2023-03-27T14:12:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948632.20/warc/CC-MAIN-20230327123514-20230327153514-00591.warc.gz", "language_score": 0.9438877701759338, "token_count": 109, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__99700964", "lang": "en", "text": "Our office is located in Trumball, CT\nRequest an insurance quote from a licensed insurance professional.\nRequest a no-cost consultation with a licensed insurance professional.\nOmega Financial Group is a completely independent insurance agency focusing in Employee Benefits, Health Insurance, Life Insurance and Medicare strategies. We work with the top insurance companies so we can offer our clients the most suitable coverage for them. OFG's clients are located all across Connecticut and the USA, giving us a feel for the insurance landscape. Contact us today for a free consultation.", "domain": "finance"}
{"url": "https://rosecal.com.au/risk-management/", "date": "2024-04-15T22:12:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00005.warc.gz", "language_score": 0.9325056076049805, "token_count": 694, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__44567325", "lang": "en", "text": "What is risk management according to DIN EN ISO 9001?\nThe need to manage business risks, i.e. risk management, is not really new. Companies are well advised to include the associated level of risk in all strategic and operational decisions. Since executives show a divergent risk appetite, the legislator has acted with the law on control and transparency in the corporate sector in order to ensure a cross-company level. Management boards in particular are therefore obliged to implement risk management in accordance with ISO 9001 in the company.\nThe way in which risks are dealt with is, however, relevant from a further perspective, which is referred to in the course of banking regulation with the term “Basel Accord”. If companies want to raise capital on the money market, the financing conditions depend on the rating result of the lending bank, which evaluates the default risk of the borrower for the calculation. If a company operates a risk management system according to ISO 9001, the costs are reduced. On this page we will show you how you can secure financial resources for your organization by managing risks and thereby reducing the risk of tortious liability.\nReasons for risk management according to ISO 9001\nThe growing complexity of the market and the increasing pressure to succeed, combined with permanent change, often prompts companies to take ever greater risks. If a crisis then occurs, the cause is usually a so-called weakness in control, ie inadequate identification, analysis, monitoring and management of risks.\nRisks can arise from external factors that affect what happens in the company and influence decisions in the company, such as:\nLegislation and case law:\nproduct liability, environmental protection, commercial law, etc.\nchange in purchasing behavior, political behavior\nprice and income development, population development, etc.\nevents : competitive pressure, drop in demand, falling prices, buyer claims, etc.\nInternal factors as sources of risk\nIn addition to the above-mentioned external reasons, there are also a number of internal factors that can be identified as sources of risk in the company, such as:\n- Technology: Plant condition and security\n- Product design: product quality and safety\n- Sales organization: product policy, drafting of contracts\n- Information management: information technology, communication\n- Capital base: capital structure and liquidity\n- Personnel: qualifications and motivation\n- Corporate culture: politics and leadership\nRisk management according to ISO 9001 raises awareness with a view to the context\nWhen looking at the external and internal factors that lead to risks, it is immediately apparent that DIN EN ISO 9001 also considers these criteria to be relevant. The determination of the context in the sense of the 2015 revision leads us directly to the risk factors of a company with internal and external issues. According to the note in subsection 4.1 of the standard, the understanding of the context can be promoted by considering the internal and external issues shown in the graphic on this page. In order for these aspects to be internalized in the company and implemented in appropriate planning and actions, an organizational development process is required that includes all employees as possible in an intensive communication process.\n- legal environment\n- Technical environment\n- competitive environment\n- market-related environment\n- cultural environment\n- Economic Environment\n- Performance of the organization", "domain": "finance"}
{"url": "https://heysuccess.com.ph/services/bookkeeping/", "date": "2024-03-02T03:40:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475727.3/warc/CC-MAIN-20240302020802-20240302050802-00457.warc.gz", "language_score": 0.9326357841491699, "token_count": 489, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__161840949", "lang": "en", "text": "Running a successful business requires clear financial visibility and control. Unfortunately, many businesses still rely on slow, manual processes that hinder their growth potential. At HeySuccess, we understand the importance of accurate financial information in making informed decisions. That’s why we offer modern and efficient accounting solutions backed by the latest technology.\nWith our streamlined record-keeping system and user-friendly software, you can access real-time financial reports anytime, anywhere. Gain a clear understanding of your company’s key financial information and avoid costly mistakes.\nExperience the convenience and power of modern bookkeeping. Let us help you simplify your accounting tasks and unlock the full potential of your business.\nOur range of services is designed to support your business growth and success by providing expert assistance in bookkeeping, business processing and liaison, compliance, and online filing.\nWe understand that every business has unique accounting needs. That’s why we have carefully selected a range of cloud-based bookkeeping software to suit various requirements. Whether you choose Xero, QuickBooks, Zoho, or Ojima, we’ll help you implement and optimize the software that best fits your business. With our expertise and these powerful tools, you can stay organized, improve productivity, and make well-informed financial decisions.\nAt HeySuccess, we strive to make bookkeeping as seamless as possible for your business. Our 5-step bookkeeping process is designed to provide you with top-notch service and support, while ensuring the financial health of your business. From initial consultation to ongoing support and optimization, we are with you every step of the way. Here are the five steps that outline how our bookkeeping service works:\nBy following these steps, we ensure that our Bookkeeping Service works seamlessly to provide you with accurate financial records, improved control, and valuable insights to drive the success of your business.\nReady to Transform Your Business?\n*after sending in your info, you will be redirected to book a consultation call with HeySuccess\nThank you for visiting Hey Success PH, a social enterprise based in Baguio. Our team is dedicated to providing consulting and professional services that empower small and mid-sized enterprises (SMEs) for success. Discover more about our social enterprise and how we support thriving SMEs by clicking the button below.\nJoin our newsletter to stay tuned to the latest SDG opportunities and inspirations in the community!", "domain": "finance"}
{"url": "http://adt-online.com/services-offered/debt-collections/", "date": "2022-05-17T17:25:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662519037.11/warc/CC-MAIN-20220517162558-20220517192558-00717.warc.gz", "language_score": 0.9194478988647461, "token_count": 314, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__141222222", "lang": "en", "text": "Debt collections is a key focus area for ADT. We work with various lending institutions, debt buyers and premier collection agencies in the US to service the consumer debt collections market. We recover debt in various stages of delinquency including 1st Party, Pre-Charge off, Primary, Mid-Primary, Secondary, Tertiary, Quaternary & Quints and work on products ranging from Bankcards, Retail Charge Cards, Signature and Personal Cards to Lines of Credit, Auto Loans and Telecom.\nIntellicom’s debt collection operations have already figured in top debt collection rankings published by some clients. Our partnerships with various leading collection agencies have given us the opportunity to offer the best collection practices in the US worked out of India thus providing a mix of proven processes, scalability and efficiency.\nOur services include:\n- Pre and post-charge-off collections\n- Early fraud identification\n- Credit card activation\n- Property recovery\n- Disaster prevention and recovery\n- Dormant judgment\n- Pending bankruptcy\n- Small balance\n- Distressed portfolio\n- Early-out collections\nTraining & Compliance – ADT has a training lab dedicated for Collections Operations and our best-in-class training programs enable collectors to operate professionally and ethically.\nComprehensive knowledge about the clients’ brand values, culture, product and services helps our team achieve business, quality and productivity goals while also reducing delinquency rates and maximizing recovery. All our collectors are FDCPA compliant.", "domain": "finance"}
{"url": "https://hotelvillamartin.com/ways-to-calculate-pips-with-lot-size/", "date": "2021-12-04T22:05:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363125.46/warc/CC-MAIN-20211204215252-20211205005252-00501.warc.gz", "language_score": 0.9172899127006531, "token_count": 687, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__113406449", "lang": "en", "text": "Pips are probably the most used term in the “Forex Market”. Forex market is the global online platform for exchanging foreign currencies worldwide. Traders from all around the world exchange currencies according to their needs and try to gain profit.\nGenerally, pip (price interest point or % in point) is the fluctuation in currencies in fractions of a dollar. Meanwhile, lot refers to the unit, used in measuring the transaction’s amount. In the trading process, the traders are required to know the value of pips with lot size to find out the amount of gained profit or incurred loss.\nThat’s why doing the calculation of pip with lot size is crucial. This can be done both by manually and with the help of different available pip calculators.\n1. Manual Calculation through Formula\nThere are different available apps to do the task. But calculating the pips with a lot size through formula often provides the traders with some extra mental assurance.\nSo, what is the required formula to calculate the pip value with a lot size?\nWell, The formula looks like this :\nPip value = ( 1 pip Lot size ) Exchange rate of currency\nShort descriptions of the terms:\nTo calculate the pip value with this formula, you need to know the 1 pip amount which in general is 0.0001 in USD related currencies. But this value differs in case of JPY related combinations. In Japanese Yen, 1 pip = 0.01.\nThe lot size is divided into three main categories.These are Standard, Mini and Micro. In Standard lot size, 1 lot=100,000 units of given currencies; in Mini lot size the unit is 10,000 and in Micro the unit is 1000 in given currencies. You will enter your preferable lot size in the formula to calculate the pip value. Learn more from https://safetradebinaryoptions.com/pip-calculator/.\nExchange Rate of currencies:\nThe exchange rate of currencies is the value in which the currencies are being bought and sold by the traders. The value can be known from different sources and used to determine the pip value.\nFor example, If you want to calculate the pip value of EUR/USD and your lot is of Mini size, multiply 0.0001( 1 pip) with 10000 ( lot size) and divide the whole by current exchange rate ( It is 1.12181 now ). The calculated pip value is 0.89141 .\n2. Calculation through Apps/ Websites\nCalculation by the pip calculators is quite simple. You just need to enter the requirements, the pip value will be calculated and shown automatically. Some of the apps are FXTM (Forex Time Calculator), SafeTradeBinaryOptions, MyFxbook, CashBack Forex, XM Pip Value Calculator etc.\nThe traders tend to buy the currencies whose prices will probably increase. On the other hand, traders sell the currency whose price will fall.\nIf the traders manage to buy the currencies before the price rises and sell them in raised amounts, they gain profit. And if you are one of those traders, then at some point you will have to calculate the pips value with a lot size.\nHope the above description will meet your inquiries and help you in making your trading strategies and decisions.", "domain": "finance"}
{"url": "https://www.fsbctx.bank/Online-Banking.aspx", "date": "2024-02-26T10:46:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474659.73/warc/CC-MAIN-20240226094435-20240226124435-00874.warc.gz", "language_score": 0.9099171757698059, "token_count": 712, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__205065831", "lang": "en", "text": "Farmers State Bank provides you with a variety of secure services to conveniently access your accounts while remaining in the comfort of your home. With Farmers State Bank Online Banking you can easily check account balances, transfer money, or even pay your bills. With online banking you can also review and print statements on demand.\nEnroll in online banking today to take advantage of the many services offered to simplify your banking needs.\nOnline Bill Pay is a service provided to anyone with online banking to help you manage your bills. Take the hassle out of writing checks and managing bills with this easy-to-use service. Pay anyone in the United States that you would normally pay by check, automatic debit or cash. Paying your bills has never been more convenient.\nPay your bills in minutes: Pay bills without the added cost of stamps or envelopes. Whether you’re paying your babysitter, phone bill, or utilities, Bill Pay offers the capability to pay your bill directly through online banking. Schedule a one-time payment, or schedule recurring payments and avoid late fees and missed due dates. Bill Pay is easier and quicker than writing and mailing paper checks!\ne-Bills: Save a trip to the post office and receive & pay your bills all in one place. An e-bill is an online version of your paper bill. With e-Bills, you can receive, review, and pay bills from hundreds of local and national companies through Bill Pay. e-Bills will save you time and paper!\nAccess Bill History: Bill Pay allows you to access 24 months of bill history.\nChecking your account balance, transferring money, paying bills and even making deposits is now more convenient with our Mobile Banking App. FSBCTX is the app that provides you with the essential tools to manage your accounts through any mobile device.\nTry our new feature, Mobile Check Deposit. This feature is built-in to Mobile Banking so you can conveniently deposit checks using compatible mobile devices. This in-app feature gives you the ability to make deposits by taking a picture of both the front and back of the endorsed check.\nAnother service we provide for Mobile Devices is Text Banking. Text Banking gives you the ability to check balances, make transfers and even locate ATMs all via text message.\nMust be enrolled in Online Banking to participate in Mobile Banking. Some advanced features are only accessible through Online Banking. Message and Data usage charges may apply.\nApple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a services mark of Apple Inc. Google Play is a trademark of Google Inc. Amazon, Kindle, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates.\nDeposit in a Snap!\nFSB Mobile Check Deposit allows you to deposit checks anytime, anywhere.\n|Step 1: Touch the \"Deposits\" tab at the bottom of the app. Select \"New Deposit\" to continue.\n|Step 2: Select the account you wish to deposit the money into. Enter the amount of the check you wish to deposit, then \"Continue\"\n| Step 3: Be sure your phone settings allow FSBCTX to access your camera.\nCapture photo of both Front and Back of the check you wish to deposit.\nBe sure the check is endorsed. Below endorsement write \"FOR MOBILE DEPOSIT ONLY\".\n|Step 4: Confirm the account details and amount, then select \"Yes\".", "domain": "finance"}
{"url": "http://www.bedfordhighschool.co.uk/letters/funding-cuts-for-wigan-schools/", "date": "2018-06-21T19:35:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864257.17/warc/CC-MAIN-20180621192119-20180621212119-00014.warc.gz", "language_score": 0.9639557600021362, "token_count": 877, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__134337242", "lang": "en", "text": "Planned Cuts in Funding for Wigan Schools\nAs you may be aware the government is planning to introduce a new “National Funding Formula” for all schools from April 2018. This is now the subject of a wide reaching consultation. The government’s stated intention is to introduce a funding formula that addresses the long-standing inequalities in school funding that have existed for many years. Those inequalities have led to areas such as Wigan receiving significantly less funding per pupil than many other areas of the country over many years. Unfortunately the impact of the planned changes will be to significantly reduce still further the money available to schools throughout the Borough.\nThe Wigan Schools Forum, a group comprising representatives of all schools and other educational settings in the Borough, recently met to consider the impact of the planned changes. The Forum agreed that this was of such importance that all schools be asked to forward a letter to parents explaining the impact of the changes; and asking you to make representation to the government opposing the changes and seeking a change in the new Funding Formula so that it actually delivers its stated aim of giving all schools an equitable share of the funding available.\nTo illustrate the impact of the new Funding Formula, in 2016-17 Wigan’s schools were the 72nd poorest funded in the country, however under the new National Funding Formula Wigan will fall to the 109th poorest funded. Under the new Formula from April 2017, 88 out of 99 primary schools and all secondary schools in the Borough will receive less funding than in 2016-17. The full impact of the planned changes on your school can be seen on the following website:\nYou may have also seen in the media that a recent report by the National Audit Office into school funding concluded that in order to meet cost pressures out of the control of schools, nationally schools will need to make savings of £1 billion in 2016-17, rising to £3 billion by 2019-20. This equates to an 8% real-terms reduction in pupil funding between 2014-15 and 2019-20.\nSchools in the Borough, through the Schools Forum reached the following conclusions, which will be reflected in its response to the on-going government consultation:\nwhilst agreeing with the principles that underpin the introduction of a new National Funding Formula that is fair and equitable; the proposed Formula fails to deliver those objectives and actually disadvantages those areas that have traditionally received the poorest level of funding.\n- fundamentally there is insufficient funding within the education system nationally and locally to allow schools to meet the budgetary pressures they now face;\n- the new National Funding Formula fails to meet the objectives the government has set, as it is primarily based on historical funding and therefore, with the 3% cap on any loss of funding, the formula continues the inequalities that presently exist;\n- the planned reduction in the percentage of funding allocated to each pupil and to the school lump-sum is of great concern because they are the key that underpin the funding to all schools;\n- the proposals represented a lost opportunity to introduce a Funding Formula based on the actual costs of educating a child, regardless of where they live rather than be based on historical spend and use of national averages\nWe would like your support in our attempts to get the government to change its mind and amend the planned new Formula so it delivers what it set out to achieve and does not continue to treat areas such as Wigan unfairly.\nYou can do this by responding to the consultation, which closes at 5.00 pm on 22 March 2017. You can submit your comments on-line at:\nYou can also make representation via your local MP. They are Andy Burnham (Leigh Constituency) Yvonne Fovargue (Makerfield Constituency) Lisa Nandy (Wigan Constituency) and Chris Green (Bolton West Constituency). The best way to contact your MP is to write to him or her at the House of Commons. You can write to your local MP at:\nHouse of Commons, Westminster, London SW1A 0AA\nAlternatively you can e-mail them at:\nPlease help our schools by supporting their efforts to make the changes needed and to provide your school with the funding it needs to provide the best possible education for your child.\nAdrian Hardy Chair of the Wigan Schools Forum.", "domain": "finance"}
{"url": "https://solarshineenergyhub.com/are-solar-panels-worth-it-in-maine", "date": "2024-04-13T14:53:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816820.63/warc/CC-MAIN-20240413144933-20240413174933-00095.warc.gz", "language_score": 0.8802099227905273, "token_count": 1902, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__69977857", "lang": "en", "text": "Are solar panels worth it in Maine? Maine, famously known as the Pine Tree State, is not just renowned for its scenic beauty but is also becoming a hotspot for solar power generation. With over 2600 hours of sunshine annually, it’s an untapped resource that homeowners are beginning to explore.\nYes, solar panels are indeed worth it in Maine. The state’s ample sunshine and supportive solar policies make it a viable investment. Over time, solar panels can lead to significant energy cost savings.\nThis blog post delves into the intricacies of solar panel costs in Maine, helping you understand if it’s a worthwhile investment for you. Harness the power of the sun, save on your bills, and contribute to a greener planet, all at the same time.\nTable of Contents\nHarnessing Sunshine: Is Solar Energy Profitable in Maine\nSolar energy in Maine is not just a sustainable choice but also a profitable one. The state’s abundant sunlight and favorable policies convert into impressive returns on solar investments.\nSubstantial Savings on Utility Bills\nIn Maine, solar panels dramatically cut down utility bills. As you generate your electricity, you reduce your dependence on the grid, saving significantly in the long run.\nState Incentives and Federal Tax Credits\nMaine offers numerous solar incentives and rebates that lower the upfront costs. Additionally, the federal tax credit returns a substantial portion of the investment, making solar even more profitable.\nIncreased Property Value\nHomes equipped with solar energy systems command a higher market value. Besides, they tend to sell faster than non-solar counterparts, adding another layer to the profitability of solar investment in Maine.\nMaine’s Solar Boom: An Investment Worth Making?\nMaine’s burgeoning solar market is a testament to its viability as an investment. Homeowners and businesses are increasingly adopting this green energy source, capitalizing on the state’s ample sunshine and robust solar incentive programs.\nFirstly, adopting solar power in Maine is a move toward energy independence. By generating your electricity, you reduce reliance on utility companies, insulating yourself from fluctuating energy prices and securing energy for decades.\nSecondly, the state’s incentive programs, along with federal tax credits, substantially offset the initial installation costs. These financial benefits make the transition to solar power more accessible and appealing to homeowners and businesses alike.\nLastly, solar installations significantly boost property value. Homes with solar systems not only benefit from lower energy costs but also higher resale value, providing an additional financial return on the investment.\nSolar Power in Maine: A Good Return on Investment\nSolar panels in Maine are indeed a wise financial investment. They offer significant benefits, making them worth considering for homeowners and businesses alike.\nHigh Solar Irradiance\n- Maine receives substantial sunlight year-round.\n- Sunlight is a free, renewable resource.\n- High sunlight exposure maximizes energy generation.\n- Solar panels function effectively in Maine’s climate.\n- More sun hours mean increased electricity production.\nNet Metering Benefits\n- Maine’s net metering policy is beneficial.\n- Solar system owners get credited for excess electricity.\n- Credits can be used when solar production is low.\n- Net metering enhances the value of solar investment.\n- It ensures maximum utilization of solar power.\n- Solar panels reduce reliance on fossil fuels.\n- They contribute to reducing greenhouse emissions.\n- Solar is a clean, green energy source.\n- They are investing in solar support for environmental sustainability.\n- It promotes the shift towards renewable energy.\nShine a Light on Solar: Is Maine Ready?\nMaine is indeed ready to embrace solar energy. With excellent solar potential and supportive policies, the state is geared up for a solar revolution.\nA Robust Solar Market\n- Maine has witnessed an increase in solar installations.\n- There is high demand for solar energy systems.\n- Installers are equipped with advanced solar technologies.\n- Businesses are also turning to solar power.\n- State policies support solar energy growth.\nInfrastructure and Workforce\n- Maine has the necessary infrastructure for solar installations.\n- The state boasts a skilled solar workforce.\n- Training programs enhance solar installation skills.\n- Infrastructure development further encourages solar adoption.\n- A skilled workforce ensures quality solar installations.\nPublic Awareness and Acceptance\n- Maine residents have high solar energy awareness.\n- Public acceptance of solar energy is growing.\n- Numerous homes and businesses already use solar.\n- Educational initiatives enhance understanding of solar benefits.\n- Growing acceptance promotes further solar adoption.\nThe Future is Bright: Solar Profitability in Maine\nMaine’s solar profitability is bright, with promising returns on investment and continuous growth in the solar sector. This adoption trend is fueled by various economic and environmental factors.\nGrowing Solar Industry\nMaine’s solar industry is expanding rapidly, leading to job creation and fostering local economies. Development in this sector enhances the state’s energy independence and resilience.\nGovernment support through incentives and tax credits lowers the initial cost of solar installations. This financial aid stimulates solar adoption by making it a more affordable and viable option for homeowners and businesses.\nSwitching to solar power significantly reduces carbon footprints. This transition supports Maine’s environmental goals, hastening the state’s progress towards a sustainable and clean energy future. By embracing solar, residents contribute to combating climate change.\nInvesting in Solar Panels: A Smart Move in Maine?\nInvesting in solar panels in Maine is indeed a smart move. The decision to switch to this renewable energy source offers a wide array of benefits that add to significant savings and a positive environmental impact.\nLong-term Financial Savings\n- Solar panels significantly reduce monthly electricity bills.\n- Over time, savings outweigh the initial investment cost.\n- Solar panel systems require minimal maintenance and repair costs.\n- Net metering allows homeowners to earn from excess power.\n- Federal tax credits and state incentives boost financial savings.\nEnhanced Energy Independence\n- Solar panels enable homeowners to generate their power.\n- It reduces reliance on utility companies and grid electricity.\n- Homeowners are not affected by fluctuating energy prices.\n- Solar energy can be stored for use during outages.\n- The abundance of sunlight in Maine guarantees a power supply.\nPositive Environmental Impact\n- Solar power is a clean, green renewable energy source.\n- It reduces reliance on fossil fuels, reducing carbon emissions.\n- Solar power generation does not release harmful pollutants.\n- Each solar-powered home contributes to combatting climate change.\n- Solar adoption supports Maine’s sustainability and environmental preservation goals.\nConclusion Are solar panels worth it in Maine\nIn conclusion, the future is indeed sunny for solar power in Maine. A fusion of robust government support, solar-friendly policies, and abundant sunlight positions this renewable energy source as a smart and sustainable investment. The benefits of solar reach beyond the financial, contributing to energy independence and environmental preservation. The time for Maine’s solar revolution in full force is now, and the invitation to join is extended to all. Harness the sun, fuel your homes, and let’s illuminate a brighter future together.\nQ.01. Are solar panels worth it in Maine Reddit?\nReddit discussions suggest that solar panels are indeed worth it in Maine. Users highlight significant reductions in electricity costs, environmental benefits, and governmental incentives as compelling reasons for adoption. They underline that even with seasonal changes, solar panels provide consistent energy output.\nQ.02. Solar panels Maine controversy?\nThere is currently a controversy in Maine surrounding the state’s net metering policy, with some arguing that it unfairly benefits solar customers at the expense of non-solar users. However, supporters of solar energy argue that net metering promotes fair compensation for solar owners and helps to incentivize renewable energy adoption.\nQ.03. Maine solar incentives 2023?\nThe current Maine solar incentives are set to expire in 2023, but it is expected that new incentives will be put in place to continue supporting solar energy growth in the state. The specific details of these new incentives are still being determined. It is important for homeowners and businesses interested in adopting solar to stay informed about any changes or updates to Maine’s solar policies and incentives.\nQ.04. Efficiency Maine solar loan?\nEfficiency Maine offers a solar loan program for homeowners and businesses interested in installing solar panels. This loan covers up to 100% of the cost of equipment and installation, with a fixed rate and repayment period of up to 15 years. Interested parties can apply through participating lenders and must meet certain eligibility requirements. Efficiency Maine’s solar loan program aims to make solar energy more accessible and affordable for Maine residents.\nQ.05. Efficiency maine solar loan lenders?\nEfficiency Maine’s solar loan program works with a network of participating lenders to offer financing options for homeowners and businesses. These include local banks and credit unions, as well as national lenders such as Admirals Bank and Sungage Financial. Interested parties can visit Efficiency Maine’s website for a full list of participating lenders and their contact information.", "domain": "finance"}
{"url": "https://archtower.com/biography/", "date": "2022-09-27T08:52:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334992.20/warc/CC-MAIN-20220927064738-20220927094738-00533.warc.gz", "language_score": 0.9535819888114929, "token_count": 862, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__129762601", "lang": "en", "text": "Michael C. Mueller\nMichael has been in the hospitality industry over 25 years and has led the acquisition and/or development of more than $20 billion of hospitality assets and has been directly involved with the creation and growth of several hospitality companies and brands, including; Starwood Hotels & Resorts, W Hotels & Resorts and NYLO Hotels. Michael’s vast experience with numerous lifestyle brands have made him one of the preeminent boutique hotel executives in North America.\nSince 2015 Michael has been engaged in hospitality development, asset management and consulting via Archtower Capital, LLC a private company controlled by Michael and the initial sponsor of NYLO Hotels.\nMichael was the visionary of NYLO Hotels, which he founded in 2004, and served as President and CEO until 2014 (New York, NY & Dallas, TX). Michael secured over $100M of equity and debt from Lehman Brothers and Merrill Lynch to launch the NYLO brand and develop the first three NYLO hotel properties in Las Colinas, TX; Plano, TX; and Warwick, RI. Michael led NYLO through the bankruptcy of Lehman Brothers and the recession of 2008-2010. In 2010 he negotiated a recapitalization that allowed NYLO to not only survive, but prosper. Michael added three additional third party owned properties to the NYLO brand in Dallas, TX; New York, NY; and Nyack, NY. Under Michael’s leadership, NYLO grew into one of the top boutique hotel companies in the United States with 6 hotel properties (3 owned, 5 operated, 1 franchised), $55M in revenues, $20M of EBITDA, over 200 employees and a brand RevPar penetration of 110%. Michael oversaw the sale of NYLO to an off-shore investor in December 2014.\nPrior to founding NYLO Hotels, Michael spent 14 years with Starwood Capital Group and Starwood Hotels & Resorts. Michael played an instrumental role in the formation and growth of Starwood Hotels into one of the world’s largest hotel companies as well as the creation and expansion of the innovative W Hotel brand.\nFrom 2002 to 2004 (New York, NY), Michael served as Senior Vice President for Starwood, in charge of global development, acquisition and construction for W Hotels. His efforts more than doubled the size of W, mostly via new-build projects such as the W Montreal, W Dallas and W Fort Lauderdale. He also developed and launched the W Residences product.\nFrom 1998 to 2002 (London, UK) Michael served as Senior Vice President of development for all of Starwood’s brands in Europe, Africa & the Middle East, and he executed more than 50 transactions on behalf of Starwood’s hotel brands (St. Regis, W, Westin, Sheraton, Luxury Collection & Four Points).\nFrom 1996 to 1998 (Phoenix, AZ) Michael served as Vice President of development for Starwood Lodging Trust (then a REIT), which underwent an incredible expansion, from a few dozen hotels and no brands, to well over 100 hotels and several brands, fueling an increase in its stock price from $15 in 1996 to over $50 by 1998. Michael was responsible for the acquisition of dozens of these hotels, hotel companies and hotel brands, including Westin Hotels (1998: $1.6B), and ITT Sheraton (1998: $14.6B).\nFrom 1992 to 1996 (Chicago, IL & Greenwich, CT) Michael was one of the original members of Starwood Capital Group’s acquisitions team. During this time, he acquired real estate assets, businesses and loans on behalf of Starwood Opportunity Fund I and IA ($52M), Starwood Opportunity Fund II ($102M) and Starwood Mezzanine Investors LP ($220M). Michael was also intimately involved with the Starwood & Goldman Sachs acquisition of Westin Hotel (1998: $537M)\nPrior to Starwood, Michael worked for City National Bank (Los Angeles, CA) in asset-based lending. Michael was born in Alaska, raised in Michigan and earned a BBA degree from the Undergraduate Ross School of Business at the University of Michigan, Ann Arbor.", "domain": "finance"}
{"url": "https://aifc.kz/en/news/experts-discussed-the-role-of-anti-money-laundering-in-the-accelerated-growth-of-the-financial-industry-at-astana-finance-days-2022", "date": "2023-09-25T12:42:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233508977.50/warc/CC-MAIN-20230925115505-20230925145505-00147.warc.gz", "language_score": 0.9134506583213806, "token_count": 643, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__177050106", "lang": "en", "text": "The session “Anti-Money Laundering: Challenges and Benefits for the Accelerated Growth of the Financial Industry” has taken place as part of Astana Finance Days 2022. The panel session was organised by the AIFC Financial Services Authority (AFSA). International and Kazakhstan experts reviewed global trends in the field of combating money laundering, discussed the specifics of compliance with the rules for controlling transfers in cryptocurrency, considered combatting anonymity mechanisms, and ensuring transparency of financial transactions to accelerate the growth of the financial sector and other issues.\nThe speakers of the session included AFSA Deputy CEO and Chief Regulatory Officer Gareth Ling, Executive Secretary of the Eurasian group on combating money laundering and financing of terrorism (EAG) Sergey Teterukov, XReg Consulting Partner Ernest Lima, Senior APAC Policy Advisor at Elliptic Tung Li, and Risk Strategy Specialist for the Customer Risk Intelligence group of Refinitiv Renata Galvao.\nAs a destination for international business, the AIFC strictly adheres to the standards of the FATF (Financial Action Task Force on Money Laundering), and the AIFC's effective regulatory system allows it to combat these risks through international financial services regulation standards.\n“The beneficial ownership transparency movement is currently in the spotlight around the world, while the AIFC has integrated ultimate beneficial owner disclosure rules from the outset to prevent illicit financial flows from flowing through the AIFC,” said AFSA Deputy CEO Gareth Ling. - The ability to conduct business transparently and without reputational risks is key for international companies. The AIFC is a place where companies can apply high standards of conduct with confidence”.\nThis year, the Eurasian Group on Combating Money Laundering and the Financing of Terrorism (EAG) will conduct a second round of mutual assessment of the technical compliance of the legislation of the Republic of Kazakhstan with international standards for combating money laundering and the financing of terrorism (AML / CFT).\nThe Astana Financial Services Authority (AFSA) is the independent regulator of the Astana International Financial Centre (AIFC), which is established in accordance with the Constitutional Law of the Republic of Kazakhstan “On the Astana International Financial Centre” for the purposes of regulating financial services and related activities in the AIFC. AFSA administers the AIFC Regulations and Rules and is responsible for the authorisation, registration, recognition and supervision of financial firms and market institutions in the AIFC.\nOver 1,400 firms from 64 countries are registered in the AIFC. These firms provide banking, insurance, investment, professional and other services. The range of financial services offered at the AIFC is comparable to the list of services available in long-established financial centers of the world, such as London, Hong Kong, Singapore, Dubai and others. www.afsa.kz\nThe Astana International Financial Centre (AIFC) is an independent jurisdiction that started operations in 2018. In accordance with the Development Strategy until 2025, the key focus of the AIFC is to consolidate as a universal platform connecting the countries of the EAEU, Central Asia and the Caucasus. www.aifc.kz", "domain": "finance"}
{"url": "https://poker.stackexchange.com/questions/984/in-wsop-paying-taxes-depend-on-what", "date": "2023-01-31T07:24:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499845.10/warc/CC-MAIN-20230131055533-20230131085533-00254.warc.gz", "language_score": 0.9882464408874512, "token_count": 230, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__180822451", "lang": "en", "text": "When I'm looking for WSOP 2012 results payout structure, why some players paid taxes and some of them doesn't? Is their goverment getting this money from them? Is it about being illegal in their country?\nPoker Stack Exchange is a question and answer site for serious players and enthusiasts of poker. It only takes a minute to sign up.Sign up to join this community\nThese are due to IRS regulations, and it isn't taxes paid, just withheld. The players must declare this money as income, less any deductions, to the IRS and then they can have the difference returned to them. For professional players, if they had losses and expenses to offset some of these winnings, they might get quite a lot of it back - even all of it. That's between them and their accountant and the IRS, the casino is just required to withhold that money.\nSome countries have tax treaties with the United States and there is no withholding. That is why some players show no tax - but they still have to declare these winnings in their home country and pay taxes there, the casino just isn't required to withhold anything.", "domain": "finance"}
{"url": "https://innergatepdx.com/blog/insurance-adjusters-car-accident/", "date": "2024-02-21T15:31:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473518.6/warc/CC-MAIN-20240221134259-20240221164259-00566.warc.gz", "language_score": 0.9251704216003418, "token_count": 684, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__174360668", "lang": "en", "text": "Last Updated on October 6, 2023\nDealing with insurance adjusters after a car accident in Portland can be a stressful and sometimes complex process. While your health and recovery should be the primary focus after a car accident, navigating the complex world of auto insurance is also required for you to get access to all that insurance should provide.\nHere are some steps to help you navigate the situation effectively.\nEnsure Safety: First and foremost, ensure that everyone involved in the accident is safe. If there are injuries, call 911 immediately. Safety should be your top priority.\nExchange Information: Exchange contact and insurance information with the other parties involved in the accident. This includes names, phone numbers, addresses, insurance company names, and policy numbers.\nDocument the Scene: Take photos and videos of the accident scene, including damage to all vehicles involved, license plates, road conditions, and any relevant traffic signs or signals. This can be crucial evidence later.\nContact Your Insurance Company: Notify your insurance company about the accident as soon as possible. Be honest and provide them with all the necessary information. They will guide you through the claims process.\nDon’t Admit Fault: Do not admit fault or discuss who is to blame with anyone at the scene, including the other drivers, passengers, or witnesses. Leave the determination of fault to the insurance companies and authorities.\nGet Medical Attention: If you have any injuries, seek medical attention promptly. Keep records of all medical treatment and expenses related to the accident. Open a medical claim so that your treatment is covered by insurance.\nReport the Accident to the DMV: If the accident resulted in injuries, death, or property damage exceeding $1,500, you must file an Oregon Traffic Accident and Insurance Report with the DMV within 72 hours.\nContact a Personal Injury Attorney: If you sustained injuries or significant property damage, consider consulting a personal injury attorney who specializes in car accidents. They can help protect your rights and negotiate with insurance companies on your behalf.\nBe Cautious with Insurance Adjusters: When speaking with insurance adjusters, remember that their job is to minimize the amount the insurance company pays out. Be careful about what you say and avoid making recorded statements until you fully understand your rights and the extent of your injuries and damages.\nKeep Records: Maintain detailed records of all interactions with insurance adjusters, including the date, time, and content of conversations. Also, keep copies of all correspondence, such as emails or letters.\nReview Your Policy: Familiarize yourself with your insurance policy to understand your coverage, deductibles, and limits. This knowledge can be helpful when discussing your claim.\nSeek Multiple Repair Estimates: If your vehicle was damaged, obtain multiple repair estimates from reputable auto repair shops to ensure you receive fair compensation for the repairs.\nStay Patient: Dealing with insurance claims can be a time-consuming process. Be patient, and don’t rush into accepting a settlement offer if it doesn’t adequately cover your expenses and damages.\nConsider Mediation or Arbitration: If you and the insurance company can’t agree on a settlement, you may consider mediation or arbitration as alternative dispute resolution methods.\nKnow Your Rights: Familiarize yourself with Oregon’s insurance laws and regulations to ensure you understand your rights and responsibilities in the claims process.", "domain": "finance"}
{"url": "https://kimsellsramona.com/evidence-stable-market-october-according-greater-san-diego-association-realtors-although-resale-home-sales-continue-year-ago/", "date": "2017-10-23T15:23:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187826114.69/warc/CC-MAIN-20171023145244-20171023165244-00716.warc.gz", "language_score": 0.9277677536010742, "token_count": 520, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__142285209", "lang": "en", "text": "More evidence of stable market in October, according to Greater San Diego Association of REALTORS® Although resale home sales continue to be down from a year ago\nby Kim Swartz in Blog.\nSAN DIEGO (November 7, 2014) – The San Diego County housing market continues to stabilize, according\nto new housing statistics from the Greater San Diego Association of REALTORS® (SDAR).\nThe median price of single-family resale homes dipped slightly in October to just under $500,000. Sale\nprices of condos and townhomes held steady at $337,500. Single-family home prices are about 4.5 percent\nhigher than a year ago, while prices of condos/townhomes are up 14 percent. Taken together, all resale\nhome prices are up about 8 percent from October 2013.\nWhile month-over-month sales of previously owned single-family homes increased 2 percent in October,\nsales of condo/townhouses decreased by more than 3 percent. Combined, sales are down about 9 percent\nfrom a year ago.\nThe number of active listings on the Multiple Listing Service (MLS) in San Diego County is just under 8,000,\nrepresenting three months of housing stock. (Six months is considered a healthy inventory level.) On\naverage, homes on the market are being snapped up within about 45 days of being listed.\n“These new numbers are encouraging because they tell us the San Diego housing market has become\nmore balanced,” said Leslie Kilpatrick, 2014 SDAR Board President. “Homes aren’t staying on the market\nlong, so homeowners who are thinking of selling are in a good position. While inventory has grown, the\nmost sought after properties sell quickly, so buyers need to be prepared to act. This not the time to sit on\nthe sidelines if a move is in your future.”\nIn the month of September, the zip codes in San Diego County with the most single-family sales were:\n• 92057 (Oceanside) with 50\n• 92028 (Fallbrook) with 49\n• 92128 (Rancho Bernardo) with 45\n• 92127 (Rancho Bernardo) with 44\n• 92009 (Carlsbad) with 43\nThe most expensive listing sold last month in the county: a 6-bedroom, 9-bath, 12,585-square-foot home in\nRancho Santa Fe that sold for $6 million.", "domain": "finance"}
{"url": "http://www.homemortgagett.com/home1/how-much-can-i-afford/", "date": "2018-07-16T20:32:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589455.35/warc/CC-MAIN-20180716193516-20180716213516-00193.warc.gz", "language_score": 0.9510852098464966, "token_count": 117, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__34106616", "lang": "en", "text": "Your key consideration for mortgage financing is affordability. In order to qualify for a mortgage, you must, among other things, be able to afford to make your monthly mortgage payment.\nThree factors determine what your monthly payment amount is:\n- Mortgage amount\n- Repayment period\n- Interest rate charged\nYour mortgage amount will be based on the amount of equity or down payment that you can provide after you have decided on the price of the property you want to buy or build. The repayment period and interest rate charged are variable factors and will affect the amount of your mortgage installment.", "domain": "finance"}
{"url": "http://easystreetprops.com/resources", "date": "2018-01-22T19:37:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891539.71/warc/CC-MAIN-20180122193259-20180122213259-00099.warc.gz", "language_score": 0.9384874105453491, "token_count": 548, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__66199164", "lang": "en", "text": "Marketing Quick Course\nVideo No. 1\nSmart Sheets Quick Course\nVideo No. 1\nWHY THE QUAD CITIES?\nThe Quad Cities' real estate market is one of the best kept secrets in the country for real estate investors; with good reason too. Our company is locally owned and operated, so we have an intimate knowledge of the region and it's potential. With nearly 500,000 citizens, 200,000 housing units and plenty of room to grow, the Quad Cities' potential speaks for itself. 25% of these homes are rentals and nearly 8% are vacant. This is the perfect environment for positive cash flow with rent often exceeding the price of a mortgage! The higher than average ROI in the Quad Cities and our passion for providing quality homes has driven our company to become one of the best in the Midwest. For the same reason, we are confident when we say, \"Passive Income Starts Here.\" Feel free to get in touch with us if you have any questions about the area, or click any of the links below for more information!\nNo Routine Maintenance\nFor the first 60 days. Should something go wrong, we’ve got you covered. Guaranteed.\nWe'll Pay the Rent\nIf your property were to fall vacant for more than 90 days, we pay the rent. Guaranteed.\nNo Leasing Fees\nIf your property falls vacant at any point during the first 9 months, leasing is free. Guarunteed.\nOur average cash on cash return is 12%. We make it a point to under promise and over deliver. We have had properties over return over 20% and every day we strive to raise this metric.\nWe pay commission when you refer a colleague that chooses to invest with us!\nIf you choose to have us lease, the fee is 75% percent of the monthly rent price.\nThe management fee is 9% of the monthly rent.\nWe have been providing industry leading turn-key properties for 13 years now!\nWe currently manage 752 properties. We buy & rehab about 30 per month.\nNo, we take great pride in making sure that the investor, lenders and tenants are all on the same page.\nOur rent is above market average which helps to attract higher quality tenants.\n95.6% We base occupancy rate based on on-time rent collection. Even if the property is occupied, it really isn’t doing the owner any good if they are not paying their rent. As a data driven company, the most important metric we focus on is ROI. The more efficient we are, the higher your return, therefore our goal is to be at 100% occupancy rate.", "domain": "finance"}
{"url": "http://house-buyer-arvada-co56674.full-design.com/Invest-In-Real-Estate-and-Make-Money-17578421", "date": "2019-05-21T09:51:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256314.25/warc/CC-MAIN-20190521082340-20190521104340-00419.warc.gz", "language_score": 0.9477178454399109, "token_count": 1004, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__206692734", "lang": "en", "text": "Real Estate Investing\nIt doesn't get much more fitting than real estate when you're looking to create real, lasting wealth.\nWe're communicating about the nature of wealth that can set you and your family at the top for decades-- or even generations-- while enjoying the type of financial freedom the majority of people only ever hope for.\nIt certainly doesn't hurt that real estate generally is pretty simple and straightforward to get into. You don't need to monitor charts, you don't have to track all the things transpiring in a dozen different sectors, and you really don't need to time your stock, option, or maybe crypto trades with the market-- hoping you reached the sweet spot instead of crater your life savings.\nNaturally, there's a ton more to real estate investing than merely grabbing residential or commercial properties and observing your bank account grow along with each and every new outlay.\nYou must be aware of the market, you need to understand precisely what helps to make specific property investments valuable, along with you have to recognize effective ways to address the capital part of these types of dealings.\nFinancing particularly is a significant chunk of the bigger picture, considering that the different between taking advantage of private money in order to purchase repossessions and standard mortgage companies to aid with flipping homes can easily mean the difference between success and failure. The difference between producing 1000s (or even more) or losing 1000s (or more).\nThat's precisely where we come into play.\nPresenting you all of the tools you will need to know the kind of insider confidential information that can surely improve your real estate investing career virtually overnight, the game changing material we put in your hands will most likely really help you navigate virtually every RE investment you come up with from here on out-- whether it's your initial deal or your hundredth.\nWe dive into the assorted type of real estate investments you can bring in (going well beyond the typical, surface level commercial lessons and residential lessons), understanding how to apply mixed-use properties, REITS, mortgage lending, and sale/leaseback tactics to revolutionize your portfolio practically right away.\nYou'll find out how to produce private money even more secure rather than classic mortgage brokers, how to work the property foreclosure niche in order to cash in on even more substantial gains, how you can ABSOLUTELY tidy up flipping homes, and how to market your homes with ridiculous rate of speed by totally shortcutting the \"ordinary\" real estate sales process.\nDiscovering when and how to pay off your home loan (and whether or not there's any legitimate advantage to paying it off right away), how to create LLCs to take care of your house holdings to limit your exposure, and the best ways to smartly manage your houses without having to be entirely hands on-- to ensure you are able to appreciate the prosperity your creating, as opposed to needing to slave away at a glorified occupation handholding the residential or commercial properties you've invested in-- are all part and parcel of the Real Estate you could try these out investment training programs our company offer.\nNever again would anyone need to stress over jeopardizing your life savings on housing deals which end up being too good to be true.\nNever again will anyone have to manage middle men which cut a part of our proceeds out of every financial transaction.\nNever again will you need to fight with lenders and banks to get access to the money and capital you need to develop your real estate portfolio.\nInstead, with our advice, you'll learn effective ways to make the markets work for see this you. You'll discover the best ways to pick out undervalued buildings and hidden gems, without having to have years of practical experience in the real estate world. You'll identify how to make the most of hard and private money, play assorted proposals of house loans against others as a bargaining tactic, and to sell your home more quickly than you actually though achievable previously.\nWe purchase properties for cash, and have been doing it for many years. In the event that you're prepared to understand EVERYTHING-- including some expert and market secrets you'd master no place else-- we're ready to unlock the door to your personal financial future. If you're ready to learn EVERYTHING-- including some insider and industry secrets you'd learn nowhere else-- we're ready to open the door to your financial future.\nDrop us a line immediately!\nJay Conner, The Private Money Authority\nRegister for our Real Estate Cashflow Conference: http://bit.ly/jaymoneypodcast\nThe Conner Marketing Group\nP.O. Box 1276,\nMorehead City, NC\nReal Estate Live Event: http://bit.ly/jaymoneypodcast\nDISCLAIMER: Jay Conner is not a financial advisor, real estate broker, licensed mortgage broker, certified financial planner, licensed attorney nor a certified public accountant, therefore please consult with your professional prior to engaging in any real estate purchases.", "domain": "finance"}
{"url": "https://logiwaste.com/en/archive/329-logiwaste-continues-with-aaa-rating-from-bisnode", "date": "2023-05-27T22:53:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224643388.45/warc/CC-MAIN-20230527223515-20230528013515-00080.warc.gz", "language_score": 0.9511945843696594, "token_count": 167, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__174459001", "lang": "en", "text": "Logiwaste continues with AAA rating from Bisnode\nLogiwaste has this year continued to achieve the highest credit rating AAA by Bisnode. This is a rating that only 3% of companies in Sweden reach up to.\nThe Trippel A rating from Bisnode has been around since 1989 and is today Sweden's most well-known credit rating system. To be rated as AAA - the highest credit rating a limited company can receive, requires that the limited company has been active for at least 10 years, trading over 2 million SEK and having key ratios that are significantly above the industry average.\nLogiwaste Annual Report for 2016 is available here (English).\nFor more information please contact:\nSales Manager, Logiwaste\n+46 (0)70 471 11 26", "domain": "finance"}
{"url": "https://www.agpd.org/124/Administrative-Services", "date": "2023-12-10T23:55:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102697.89/warc/CC-MAIN-20231210221943-20231211011943-00713.warc.gz", "language_score": 0.9224631786346436, "token_count": 587, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__42481165", "lang": "en", "text": "The Administrative Services Department is responsible for the entire financial, accounting, and human resources operations of the City, including the receipt, disbursement and deposit in the treasury of all city moneys, assistance in the preparation of the city budget, maintenance of all accounting procedures and records, and personnel administration.\nThe Financial Services Division is responsible for maintaining sound fiscal management for the City.\nThese activities include:\n- Ensure management and the City Council are informed of all matters materially affecting the financial health of the City.\n- Prepare year-end closing entries, balance and reconcile all funds and accounts, coordinate and communicate with the City’s independent auditors and prepare the annual financial reports for the City and the Five Cities Fire Authority.\n- Prepare and submit fiscal reports, including compliance audits of grant funds to state and federal agencies, in an accurate and timely manner.\n- Provide financial analysis and fiscal information to departmental users, management and City Council, as needed.\n- Provide oversight of the City's investment portfolio.\n- Manage the City's annual budget process, including training and support for departments, analysis of department budget requests, and public presentation of the recommended budget.\n- Provide expertise to City Council and departments on economic and financial conditions and policy issues affecting the budget.\nThe Accounting Services Division provides and maintains an accounting system of funds, accounts and internal controls in accordance with Governmental Accounting Standards Board pronouncements and Generally Accepted Accounting Principles (GAAP).\nThese activities include:\n- Accounts payable data entry of claims submitted for payment and review of purchasing policy compliance.\n- Payroll administration including data entry of time sheets and rate of pay.\n- Initiate tax payments and issue quarterly tax reports.\n- Initiate Public Employee Retirement System (PERS) payments and perform reconciliation to reports and payroll withholding.\n- Reconcile billing statements with receivables and payroll withholdings by person for employees and retirees.\n- Update the payroll system tables to reflect annual changes in tax tables, employee contracts, dues, or other items for paycheck accuracy.\n- Perform electronic fund transfers for direct deposit, PERS, deferred and compensation, and taxes.\n- Prepare and mail approximately 3,000 utility bills monthly, working closely with the Public Works Department.\n- Maintain and manage an automatic payment option for customers to have their bills paid automatically from their checking account.\n- Process approximately 1,000 service orders annually to utility customer accounts, including customer updates, water meter reading verification, bill collection efforts, and water service changes.\n- Record and manage business licenses and regulations.\nPlease be advised that communications directed to the City, its legislative bodies and their members (i.e., City Council, Planning Commission) or City staff are public records, and are subject to disclosure pursuant to the California Public Records Act and Brown Act unless exempt from disclosure under the applicable law.", "domain": "finance"}
{"url": "https://gb.biblaridion-online.net/6589-how-did-different-asset-classes-perform-during-the-we.html", "date": "2022-12-03T23:16:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710941.43/warc/CC-MAIN-20221203212026-20221204002026-00631.warc.gz", "language_score": 0.9860909581184387, "token_count": 402, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__158880299", "lang": "en", "text": "We are searching data for your request:\nUpon completion, a link will appear to access the found materials.\nI read many years ago a story about someone in Germany in the 1920s who had been tipped a US dollar immediately seeking investment advice presumably because it was so valuable. Now, this did not make a lot of sense to me since ultimately it would still have the buying power of a dollar although perhaps with hyperinflation the situation is more complex.\nDid stocks simply skyrocket as the value of a company's hard assets go up astronomically (in marks)? If you were a landlord, did you do well or at least do okay because rents went up or were you wiped out because of something like rent control/leases which meant that your tenants were paying you almost nothing for an apartment and you could not evict them?\nIn general, what sort of assets (besides gold and similar valuables) were good to have had during the German hyperinflation?\nMild inflation may often be good for stock prices, but when people cannot afford basic necessities, there may not be as much money available for speculative investment. In Wiemar Germany, stock prices were volatile but generally declining during the worst of the inflation. Below I've taken a graph from an article by Hans-Joachim Voth and added a thick red arrow to indicate 1923, the peak of hyperinflation.\nAs Voth states:\nDuring the hyperinflation, German stocks were often extremely cheap. In November 1922, for example, the capitalization of Daimler Motor Work was equivalent to the value of 327 of its cars. Market volatility was extremely high, with share prices often changing by 30 or even 50 percent per month in real terms. (p.67)\nHow investors fared overall is a more difficult question to answer. In such a volatile market, I suspect there were both big winners and big losers. Overall, a lot depends on the specific time frame you look at.", "domain": "finance"}
{"url": "https://newauthorpublishing.com/treating-book-like-business/", "date": "2021-01-21T21:27:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610703527850.55/warc/CC-MAIN-20210121194330-20210121224330-00230.warc.gz", "language_score": 0.9522800445556641, "token_count": 579, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__85662472", "lang": "en", "text": "In Chapter 4 we reviewed some practical tips on both traditional and self-publishing. If you decide to take the self-publishing route, you’ll need to pay to have your book published. You can choose to pay in dollars, time or a combination of both. The goal is to sell enough copies of your book to recoup your costs. If the stars align, you may actually profit from publishing your book.\nAre we running a business here?\nYes, it helps to think of publishing your book like running a business. Income – expenses = profit. It’s that simple.\nLet’s start with income:\nIncome is generated by selling your books. Each sales channel will have a specific income. You may find that selling “author copies” of your book yields the most income per book sold. Selling on Amazon.com (in print and e-book format), and selling through an independent book store will also have a specific income per book sold. Has your self-publishing company provided the math on each sales channel?\nIncome per book is one thing, but number of books sold is another. Your task will be to estimate how many books you plan on selling through each sales channel, and then calculate you total income estimate.\nAre you a speaker who does monthly talks with 50 new people in the room each time? Can you sell 10 books per talk? Do you own a yoga studio with 300 clients? Do you have 485 facebook friends that are interested in your book’s topic? Just sit down and think about how you plan on selling your book, and how many copies you estimate selling in the first year. If you sell 200 books at $4.00 profit per book, your net income will be $800.00.\nNow for expenses:\nIt helps to look at income first, and that will tell you how much you can spend on publishing. If you only plan on making $800.00 net income, you might not want to spend $2,000.00 publishing your book.\nCalculating total expenses is simply done by asking how much everything costs before you commit to anything. How much is editing? Do you need illustrations, a cover, formatting? Are you doing your own marketing? Many self-publishing companies show a nice detailed breakdown of what you get and how much it costs.\nKnowing your “break even” point will help you decide what publishing company to use. If you never put yourself in a position where you need to sell 1,000 books just to break even, you might enjoy the experience a bit more. If your goal is to deliver a message to the world, you should find a way to do that while breaking even financially. Delivering your message and helping others might just be your form of profit.", "domain": "finance"}
{"url": "https://www.taylorenergyct.com/cost-of-heating-oil-today/", "date": "2020-09-24T11:37:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400217623.41/warc/CC-MAIN-20200924100829-20200924130829-00115.warc.gz", "language_score": 0.9331165552139282, "token_count": 304, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__127108705", "lang": "en", "text": "Affordable energy is our priority.\nChoose A Plan\nLock-In & Pre-Buy Program\nSave yourself from seasonal price-hikes and purchase fuel during the warmer months. Choose from either a fixed price plan or a capped price plan.\n- We fix the price per gallon, and your purchase is payable in full. The minimum for this plan is 500 gallons and through automatic delivery only. Any unused gallons at the end of the contract period will be credited to your account.\n- Your price per gallon is capped and will not go above the price paid. If our discounted price is lower than your cap on the day of delivery, you pay the lower amount. It’s a win-win! A credit for the difference between the original payment and the lower price is automatically placed in your account. A non-refundable downside protection fee is associated with the capped plan.\nPay as You Go\nSimply pay for your oil or propane deliveries as they occur. You can choose to enroll in automatic delivery for added convenience. We will send you an invoice due in full within 30 days or you can take advantage of our prompt pay discount and receive 25 cents off per gallon when you pay within 10 days of the delivery date.\nSign up today and start saving\nWe accept credit card (MasterCard, Visa, Discover, Amex), checks or check by phone, and cash. Sign up for electronic payments to view your account balance and pay your bill online at no additional charge.", "domain": "finance"}
{"url": "http://purcellfirm.com/real-estate.html", "date": "2022-12-08T02:55:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711232.54/warc/CC-MAIN-20221208014204-20221208044204-00366.warc.gz", "language_score": 0.9232910871505737, "token_count": 319, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__102594063", "lang": "en", "text": "With a 48 hour turnaround on title commitments we will get your loan to the table quickly and flawlessly.\nIn this market even a matter of minutes can make a difference to your bottom line. Superior customer service and going the extra mile for our clients is the philosophy on which our firm is based.\nOnce your title order request is received we go to work for you. After careful review of the title search, we obtain the necessary documentation to clear lines and encumbrances.\nWe will update you every step of the way and work with you to ensure your loan is ready to close when you are.\nWe close after-hours and weekends, we close in-office or at the borrower’s home. At the Purcell Law Firm, we are committed to providing the highest degree of excellence in customer services at prices significantly lower than the competition.\nWe offer mobile closings at your office of the borrower’s home at no additional cost to the borrower. We partner with you to deliver a smooth and efficient closing everytime.\nWhy Choose Us?\nOur Professional Approach- We emphasize efficiency and accuracy. The attorney, Mr. Purcell, personally oversees every title and closing order.\nOur Fast Turnaround- 48 hour turnaround on title commitments.\nOur Personal Service- You will always be able to speak to the attorney and have your phone calls answered promptly.\nOur Low Attorney’s Fees.\nOur Customer's Satisfaction is Guaranteed.", "domain": "finance"}
{"url": "https://alamanceartisans.com/2014/02/06/alamance-artisans-awarded-grassroots-grant/", "date": "2024-04-15T23:08:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00682.warc.gz", "language_score": 0.9538806676864624, "token_count": 258, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__204867959", "lang": "en", "text": "The Grassroots Arts Program, administered by the NC Arts Council, provides per capita–based funding for arts programming to all 100 NC counties, ensuring opportunities for citizens to experience the arts in their own communities. Activities include festivals, concerts, dance and theater productions, artists in schools programs, galleries, Native American powwows, art classes, and African drumming circles.\nIn most counties local arts councils have been nominated by their county governments and approved by the NC Arts Council as Designated County Partners to manage grassroots funds and programs. The Alamance County Arts Council establishes a grants panel and accepts applications, provided that the state legislature approves funding for the Grassroots Arts Program. Even though that funding was in doubt, in 2013–2014 the Alamance County Arts Council was able to fund applications totaling over $13,000.\nThe Alamance Artisans Guild is grateful to have received a grant of $1,000 to support the growth of the Alamance Studio Tour by revamping its Internet presence. Each year guild members open their studios to thousands of visitors, introducing the guests to individual artisans’ processes and the abundance of talent in Alamance County. The studio tour substantively contributes not only to the personal incomes of working artists but also to the retail sales within our county.", "domain": "finance"}
{"url": "https://scoutdb.org/2021/07/14/xiaomis-budget-smartphones-and-mi-smart-tvs-have-gotten-more-expensive-heres-why/", "date": "2021-10-18T10:31:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585201.94/warc/CC-MAIN-20211018093606-20211018123606-00226.warc.gz", "language_score": 0.9728430509567261, "token_count": 304, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__46217248", "lang": "en", "text": "Xiaomi has increased the prices of its budget smartphones and best smart TVs in India by about three to six percent, said to be related to the global semiconductor shortage and higher shipping charges. The price hike kicked in from Wednesday, June 30. A Xiaomi spokesperson told LiveMint in a statement that since last year, there have been shortages across the supply chain. “Due to massive demand-supply mismatch, the majority of components used in smartphones, Smart TV and other electronics gadgets (chipsets, display panels, display driver, back panels, battery etc) have seen constant upward movement in their prices,” the spokesperson told the publication.\nThe LiveMint report says that other players in the LED television space are also estimated to have hiked by about 3 percent to four percent this month as the cost of panels have gone up in the global market. This, besides an increase in logistics expenses. In April as well, prices had been hiked due to a rise in operation cost on account of increased ocean freight charges, and domestic transportation costs. The TV market is expected to grow to 284 lakh units in 2024-25 from 173 lakh units in 2018-2019.\nIn February this year, Xiaomi had announced its partnership with contract manufacturers BYD, DBG, and Radiant to strengthen its Make in India efforts. The company had tied up with BYD and DBG for smartphones while the partnership with Radiant was aimed at augmenting Xiaomi’s capacity of smart TVs in India.", "domain": "finance"}
{"url": "https://prosperfinance.com.au/bridging-loan/", "date": "2023-11-30T14:45:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100227.61/warc/CC-MAIN-20231130130218-20231130160218-00179.warc.gz", "language_score": 0.9234168529510498, "token_count": 148, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__192461965", "lang": "en", "text": "Time to move on to a new home? A bridging loan can be a convenient stepping stone between selling your existing home and buying the next property.\nBridging loans are intended for short-term use and usually carry a higher interest rate than other home loans. They are generally secured against your property allowing you to utilise the equity in your existing property.\nProsper Home Loan Specialist will find an appropriate bridging finance solution for your situation. With our help you can feel confident that you understand the key considerations and challenges of a bridging loan.\nWe offer you:\n- Knowledgeable guidance in choosing the appropriate loan solution\n- Competitive rate and overall costs\n- Easy and fast application process\n- Industry leading customer service", "domain": "finance"}
{"url": "https://laborcenter.berkeley.edu/the-public-cost-of-a-low-minimum-wage-in-georgia/", "date": "2023-09-24T06:04:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506623.27/warc/CC-MAIN-20230924055210-20230924085210-00511.warc.gz", "language_score": 0.9443089962005615, "token_count": 1607, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__271514135", "lang": "en", "text": "In July 2019, the U.S. House of Representatives passed the Raise the Wage Act, which would increase the federal minimum wage in steps to $15 by 2025. The minimum wage has been $7.25 since 2009 – the longest-ever period without an increase. Georgia is one of 21 states that continues to use the federal minimum wage rather than establish a higher state rate.\nThis data brief estimates the public cost to Georgia and the federal government from the use of safety net programs by low-wage working families who would be directly affected by an increase in the minimum wage to $15 an hour by 2025. We find that just over half of these Georgia families (51%) are enrolled in at least one safety net program, at an annual cost of $4.7 billion.\nIn addition to improving the lives of Georgia minimum wage workers and their families, passage of the Raise the Wage Act would reduce the burden placed on federal and Georgia-funded public safety net programs, which working families turn to when their employers do not pay them enough to meet their basic needs.\nDefinitions and Data\nWe are examining working families’ utilization of the five largest means-tested safety net programs for which data is available: Medicaid; Children’s Health Insurance Program (CHIP); basic household income assistance under Temporary Aid for Needy Families (TANF); Earned Income Tax Credit (EITC); and Supplemental Nutrition Assistance Program (SNAP).\nThis analysis focuses on the families of year-round workers who would receive a direct pay increase as a result of the Raise the Wage Act. “Affected working family” is defined as a family where at least one member worked year-round (at least 45 weeks during the year) for at least 10 hours a week and earned less than $13.49 per hour (in 2019 dollars). This wage is equivalent to $15 in 2025 dollars. We exclude from the analysis those who work only part of the year, as well as those who would receive indirect pay increases due to wage-push caused by the higher minimum wage.\nAll amounts are adjusted to and reported as annual averages in 2019 dollars. Medicaid figures exclude aged, blind, and disabled enrollees. Our calculation method is described in the Appendix. The analysis reflects pre-COVID labor market conditions.\nTable 1 shows Georgia’s enrollment of low-wage working families directly affected by the Raise the Wage Act in the five public safety net programs between 2015 and 2019. Among affected working families, there are 800,000 Georgia children and adults enrolled in the health programs. There are 600,000 affected working families participating in EITC and 300,000 receiving SNAP benefits. TANF data are not provided due to sample size constraints.\nMore than half (51%) of affected working families are enrolled in one or more safety net program in Georgia.\nTable 2 shows the annual combined Georgia and federal expenditures on all the public safety net programs together, the expenditures for affected working families only, and the share of the total expenditures that goes to affected working families. Just under half (49%) of dollars spent on safety net programs in Georgia go to affected working families, at a cost of $4.7 billion.\nAmerica’s public safety net programs provide a lifeline to families that need help to meet their basic needs. When firms pay workers too little to make ends meet on their own, they rely on these programs to help make up the difference. Passage of the Raise the Wage Act would move these working families in the direction of self-sufficiency and reduce their utilization of safety net programs. A $15 federal minimum wage would release some of the pressure on the safety net caused by low-wage industries, and allow state and federal dollars in Georgia to be more effectively targeted.\nTo calculate the cost to the federal government and Georgia of public safety net programs for low-wage working families (defined as having at least one family member who works 45 or more weeks per year and 10 or more hours per week, and earns less than $13.49 per hour in 2019 dollars), we mainly rely on two sources of data: the March Supplement of the U.S. Bureau of Labor Statistics’ Current Population Survey (CPS), and administrative data from the Medicaid, CHIP, TANF, EITC, and SNAP programs. Medicaid figures exclude aged, blind, and disabled enrollees. The March Supplement, also known as the Annual Social and Economic Supplement, asks respondents about receipts of cash and non-cash transfer payments during the past year and includes questions about the programs we examined in this analysis.\nTo create the enrollment estimates for each program and the cost estimates for EITC, TANF, SNAP, and CHIP, we re-weight the CPS so that its cost and enrollment totals match the administrative data. To create the Medicaid (for both adults and children) cost estimates we use the state-level per enrollee spending figures published by the Centers for Medicare and Medicaid Services (CMS) multiplied by the enrollment totals from the administrative data. We then sum the number of enrolled families (defined as having at least one family member participating in a program) and the cost of their benefits to obtain the total program enrollment and cost. We then repeat this process using only low-wage working families (defined as above) to obtain our total enrollment and cost for working families. For further detail see the earlier report Fast Food, Poverty Wages: The Public Cost of Low-Wage Jobs in the Fast-Food Industry.\n Bobby Scott, “Text – H.R.582 – 116th Congress (2019-2020): Raise the Wage Act,” Pub. L. No. H.R.582 (2019), https://www.congress.gov/bill/116th-congress/house-bill/582/text.\n Michael Reich and Rachel West, “The Effects of Minimum Wages on Food Stamp Enrollment and Expenditures,” Industrial Relations: A Journal of Economy and Society 54, no. 4 (2015): 668–94, https://doi.org/10.1111/irel.12110; Rachel West and Michael Reich, “A Win-Win for Working Families and State Budgets” (Center for American Progress; UC Berkeley Institute for Research on Labor and Employment, October 1, 2014), https://irle.berkeley.edu/a-win-win-for-working-families-and-state-budgets/.\n Jeanette Wicks-Lim, “Mandated Wage Floors and the Wage Structure: New Estimates of the Ripple Effects of Minimum Wage Laws,” Political Economy Research Institute, University of Massachusetts Amherst, PERI Working Paper Series, 116 (2006), http://scholarworks.umass.edu/peri_workingpapers/94/.\n Sylvia Allegretto et al., “Fast Food, Poverty Wages: The Public Cost of Low-Wage Jobs in the Fast-Food Industry” (UC Berkeley Labor Center), accessed December 8, 2020, https://laborcenter.berkeley.edu/fast-food-poverty-wages-the-public-cost-of-low-wage-jobs-in-the-fast-food-industry/.\nJacobs, Ken, Ian Eve Perry, and Jenifer MacGillvary. The Public Cost of a Low Minimum Wage in Georgia. UC Berkeley Labor Center, December 2020. https://laborcenter.berkeley.edu/the-public-cost-of-a-low-minimum-wage-in-georgia/.", "domain": "finance"}
{"url": "https://www.osdisc.com/products/bitkey-1420-live-cd-64bit.html", "date": "2020-07-13T13:49:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657145436.64/warc/CC-MAIN-20200713131310-20200713161310-00165.warc.gz", "language_score": 0.9637019634246826, "token_count": 207, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__137142013", "lang": "en", "text": "BitKey is a bootable system image based on Debian containing everything you need to perform highly secure air-gapped Bitcoin transactions. You don't need to install it to a hard drive because it runs live from RAM.\nUnder the hood it contains a swiss army knife of handy Bitcoin tools that support a wide range of usage models, including a few very secure ones which would otherwise be difficult to perform. We created BitKey because we wanted something like it for our own use.\nWe're avid Bitcoin fans but after going to our first local Bitcoin meetup we discovered the elephant in the room was that there was no easy way to perform cold storage Bitcoin transactions where the wallet lives on an air-gapped system physically disconnected from the Internet.\nThe idea was to see if we could use the TurnKey GNU/Linux build system to create a self-contained read-only CD/USB stick with everything you need to perform Bitcoin transactions with as much security as you wanted - including highly secure air-gapped Bitcoin transactions.", "domain": "finance"}
{"url": "https://viberenthq.com/testimonial/yellow-hire/", "date": "2019-08-19T19:29:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027314904.26/warc/CC-MAIN-20190819180710-20190819202710-00086.warc.gz", "language_score": 0.9482123255729675, "token_count": 274, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__168504157", "lang": "en", "text": "Originally operating six items of equipment, increasing customer demand presented an exciting opportunity for Yellow Hire to expand their business. With the increasing number of machines, Yellow Hire was losing valuable time managing their rental business manually across whiteboards and spreadsheets.\n- Yellow Hire started using Viberent to manage their entire rental operations – one system to control inventory, raise quotes, schedule maintenance and generate invoices integrating directly with their accounting package.\n- As the team continued to expand, Viberent’s cloud-based system and mobile applications meant everyone could access the system anywhere, anytime.\n- Yellow Hire saved at least 8 hours each week on data duplication and manually managing inventory.\n- The business was able to grow quickly knowing they had a system in place to control their rental operations\n- Yellow Hire now has over 60 items of equipment and growing!\n“Using Viberent’s mobile app, I can now check our live inventory, pending quotes and deliveries while I am on the road which keeps me up to date with everything in the business. We no longer spend a day each month searching for invoices to upload into our accounting system. Viberent does that for us with the click of a button and we strongly recommend the system to anyone that asks”.\nArne Joyce – Yellow Hire", "domain": "finance"}
{"url": "https://touchstone-global.com/workers-face-early-retirement-dilemma/", "date": "2022-08-14T18:21:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882572063.65/warc/CC-MAIN-20220814173832-20220814203832-00224.warc.gz", "language_score": 0.9805755615234375, "token_count": 405, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__76404283", "lang": "en", "text": "While many are thinking about working longer to put some extra cash for retirement in the bank, a medical team claim people who retire early enjoy better health and live longer.\nThat sets a conundrum for retirement savers.\nIf they retire early and live longer, they may not have enough money to fund a comfortable retirement as their funds run out before they die.\nOn the other hand, working longer to put more money aside for retirement could mean they are not so healthy once they give up their job and live a shorter life.\nThe theory from a team of Dutch researchers was based on a group of civil servants who were all granted early retirement in 2005.\nHealth benefits of stopping work\nThey had to be aged 55 or over and with no less than 10 years continuous service.\nThe study found that men who retired early were 2.6% less likely to die in the next five years than those who stayed at work.\nSimilar investigations in the USA, UK, Germany and Israel all concluded that retiring early had positive health effects. The American study found that retiring early reduced the risk of diabetes and heart attacks by a fifth.\nMedical evidence suggests illness in retirement can be due to loneliness or isolation and a US study highlighted that those giving up work early were less likely to suffer depression or loneliness, while physical workers like builders who are used to heavy exercise because of the nature of their jobs are more likely to become obese in retirement.\nLinking improved health with retirement\nLinking early retirement with better health is not always obvious as many people give up working because of failing health. This can give a false impression that retirement leads to poor health and early death.\nThe studies also indicated that having more time in retirement to exercise contributes to a healthier lifestyle and living longer.\nBalancing the need for saving enough money for retirement against surviving more years with good health is not an easy choice.\nBut, as the saying says, there’s no point ending as the richest man in the graveyard.", "domain": "finance"}
{"url": "http://excelbyjoe.com/how-to-change-the-values-on-the-axis-in-an-excel-chart2/", "date": "2018-02-21T01:06:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891813187.88/warc/CC-MAIN-20180221004620-20180221024620-00157.warc.gz", "language_score": 0.9377077221870422, "token_count": 187, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__180042591", "lang": "en", "text": "When you create a chart, Excel automatically fills in the axis with a range of numbers which many times will make the chart tougher to read. It will usually start the values at 0 even though you might need to start it higher. Below is an example.\nIt lists CPI rates by month. However the smallest is about 2.3% and the largest is 4%. However this chart starts at 0%. If we want to change that, you have to do the following:\nClick on the chart and then click on the axis values, which is this case is the percentages. You should then see a box around them.\nClick format under chart tools and then click Format selection on the far left.\nThis will bring up a dialog box. At the top of the first page are the minimum and maximum values. This is where you can change the values.\nSo now you should have a new chart that looks like this:", "domain": "finance"}
{"url": "https://hometownhearth.com/the-tax-benefits-of-an-efficient-wood-stove-insert/", "date": "2023-09-23T01:20:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506429.78/warc/CC-MAIN-20230922234442-20230923024442-00466.warc.gz", "language_score": 0.9408622980117798, "token_count": 642, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__4106674", "lang": "en", "text": "Many homeowners supplement their primary home heat source with a wood stove. Besides adding an instant, cozy atmosphere, a modern wood stove costs less to operate than a gas fireplace, and it’s extremely energy efficient. Wood stoves operate by burning compressed wood or biomass pellets to create heat. Biomass is an energy source derived from organic materials and a low-carbon fuel. In generating heat, a steady flame is produced and regulated by moving fuel from the storage container to the hopper to guarantee optimum efficiency. Not only can these stoves reduce your overall utility bill, but they can also lessen the use of fossil heating fuels that are damaging the environment. The chimney confidants at Hometown Hearth explain how we’ve been leveraging this program and what it means for you as the homeowner.\nWhat Is the Wood Stove Tax Credit?\nOn December 28th, 2020, new legislation was signed into law—a 26% federal tax credit for wood stoves and wood stove installations complying with the Biomass Thermal Utilization. The new tax credit is under Section 25(D) of the US Internal Revenue Code. It came into effect on January 1st, 2021, and will last until December 31st, 2022, before it drops to 22% in 2023. Below we touch on the main points and explain which stoves qualify.\nThe wood stove tax credit began on January 1st, 2021, and states that if you purchase and install a wood or pellet stove with a Thermal Efficiency Rating of at least 75% or higher, you will be eligible to claim an uncapped credit based on the total cost of the stove, including purchase and installation. What makes a wood stove qualify for the 26% tax credit?\n- The stove must meet the 2020 EPA standards\n- 75% efficient wood stove or higher\n- Must be purchased and installed in 2021 or 2022\nYou must claim your credit for the year your stove was installed. You can claim the credit on IRS Form 5695 under Residential Energy Efficient Property Credit. If you made a previous qualifying stove purchase and would like to receive a credit, you can file an amended return using IRS Form 1040-X. At Hometown Hearth, we can deliver top-notch chimney repairs required for a safe installation of these wood units so you can receive the uncapped tax credit. If you’re interested in buying a qualifying stove, you can search the Wood Stove Database, and our team would be happy to help with purchase and installation.\nWhy Choose Hometown Hearth for All Your Hearth and Chimney Product Needs?\nFor almost 30 years, the friendly chimney confidants of Hometown Hearth have provided customers across Philadelphia, Delaware, and Chester Counties with the highest quality hearth and chimney products, installation, repair, and restoration services. Whether you need help determining if you own a 75% efficient wood stove or are interested in learning if your current stove qualifies, our team is here to help. If you’re ready to enjoy the best wood fireplace and wood fireplace inserts installed by our team, contact us today at 610-833-1034 to get started.", "domain": "finance"}
{"url": "https://tubeyou.us/what-are-the-5-parts-of-an-insurance-policy/", "date": "2024-02-29T15:03:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474843.87/warc/CC-MAIN-20240229134901-20240229164901-00275.warc.gz", "language_score": 0.9181884527206421, "token_count": 626, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__160424047", "lang": "en", "text": "Insurance policies are the foundational blueprints that provide individuals, families, and businesses with the protection and peace of mind they need in the face of uncertainties. Within these documents lie the key components that outline the terms, coverage, and obligations of both the insurer and the insured. Join us as we dive into the intricacies of insurance policies, breaking down the five essential parts that make up their structure.\n1. Declarations Page: Your Insurance Identity\nConsider the Declarations Page at the front door of your insurance policy. This section acts as your introduction to the policy’s details. It includes essential information such as the policyholder’s name, address, policy number, effective dates, and insured items or individuals. It’s essentially the snapshot that encapsulates the who, what, and when of your coverage.\n2. Insuring Agreement: The Heart of the Matter\nThe Insuring Agreement forms the core of the insurance policy. It outlines the promises made by the insurer to the insured. This section specifies the type of coverage provided, the risks or events that are covered, and any limits or conditions associated with the coverage. In essence, it details what the insurance company is obligated to do in the event of a covered loss.\n3. Coverage and Exclusions: Navigating the Boundaries\nWithin this section, the policy outlines the scope of coverage – what’s included and what’s not. It lists the risks or events that the policy will cover, as well as the situations where coverage may be denied. This section helps policyholders understand the boundaries of their insurance protection and make informed decisions about their risk management strategies.\n4. Conditions: The Rules of Engagement\nConditions lay down the rules that both the insurer and the insured must follow. These can include requirements for notifying the insurer of a claim, cooperating during the claims process, and adhering to any specific actions to mitigate losses. This part is vital for ensuring a smooth claims process and avoiding potential disputes.\n5. Endorsements and Riders: Customizing Your Coverage\nThink of endorsements and riders as the customizable features of your insurance policy. These are additional provisions that can be added to your policy to tailor the coverage to your specific needs. Whether you’re looking to increase limits, expand coverage, or add specialized protection, endorsements, and riders allow you to fine-tune your policy to match your unique circumstances.\nUnderstanding the anatomy of an insurance policy is like having a map through uncharted territories. The five essential parts – Declarations Page, Insuring Agreement, Coverage and Exclusions, Conditions, and Endorsements and Riders – collectively provide a comprehensive guide to your insurance coverage. Just as a well-constructed building needs a solid foundation, your insurance policy’s structure ensures that you’re protected, informed, and equipped to face life’s uncertainties head-on. So, the next time you receive an insurance policy, remember that it’s not just a document; it’s a blueprint for safeguarding your future.", "domain": "finance"}
{"url": "https://desitechmusings.wordpress.com/tag/governance/", "date": "2018-07-17T05:21:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676589573.27/warc/CC-MAIN-20180717051134-20180717071134-00486.warc.gz", "language_score": 0.9409138560295105, "token_count": 272, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__210240227", "lang": "en", "text": "Unprecedented corporate fraud in Software History\nAn estimated $1.5 billion (Rs 7600 crore) may have disappeared in the fraud confessed to in 2009 by the now-jailed chairman of Satyam Computer Services Ltd. Satyam’s failures were many and systemic—from a weak auditing process to ineffective board oversight to a leader intent on committing fraud. For corporate leaders, regulators, and politicians in India, as well as for foreign investors, this “Enron moment” demanded a reassessment of the country’s progress in corporate governance. The resignations of an unprecedented 620 independent directors over the following year added to the mounting concerns.\nAs a consequence, India’s ranking in the CLSA4 Corporate Governance Watch 2010 slid from third to seventh in Asia. The CLSA report stated that India “has failed to adequately address key local governance challenges such as the accountability of promoters (controlling shareholders), the reputation of relatedparty transactions, and the governance of the audit profession.” The ensuing debate over reform approaches has raised such questions as, “How well are India’s companies being governed?” “Why the failures?” “Where were the regulators?” “What must be done to ensure that directors abide by best practice?”", "domain": "finance"}
{"url": "https://financejosh.gumroad.com/l/howtoinvest", "date": "2021-11-30T23:38:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964359082.76/warc/CC-MAIN-20211130232232-20211201022232-00502.warc.gz", "language_score": 0.9315811991691589, "token_count": 758, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__145882114", "lang": "en", "text": "If you’re reading this, you’re only a few clicks away from making one of the best decisions of your life...\nA decision that may help you live a longer, happier life - free of the stresses faced by the many and avoided by few. This book is the key to a door that allows you to experience life differently when unlocked.\nWhether you want to retire twenty years younger, or you want the ability to help the people closest to you, the decision that you make in the next few minutes has the power to impact your life in unimaginable ways.\n“The most important investment you can make is in yourself.\"\n- Warren Buffett\nDon’t see this as a ‘purchase’ - it isn’t. It is an investment in yourself!\nAn investment that will allow you to spend more time with your family and friends.\nAn investment that has the potential to improve the quality of life for generations to come.\nAn investment to live a better life.\nI've had countless people tell me that reading my book will make them $500,000+ in the next few decades once they implement my strategies or avoid unnecessary financial advisor/fund management fees. My book is $20 and if it has made/saved some of my readers $500,000, that's a 2,499,900% return on investment. Yes, you read that right.\nMake the right choice today. Invest in yourself and invest in your future.\nContent in this eBook\n- How the Stock Market Works\n- How to Diversify your Portfolio\n- Index Fund vs. ETF (Pros and Cons)\n- List of the Best Index Funds/ETFs (USA, UK, EU) + How to Find the Best Index Funds/Index ETFs\n- How Compound Interest Works + The Rule of 72\n- How to Avoid Paying Unnecessary Fees\n- The Best Investing Strategy + Investing Principles to Follow\n- How to Minimize Taxes When Investing (Roth IRA, 401k, ISA (UK)) + more\n- The Best Brokerages (USA, Canada, UK, EU) + How to Find the Best Brokerage\n- The 4% Rule\n- The Three-Fund Portfolio\n- Additional Resources for Investors\n- Stock Market Glossary (35+ Must-know Terms)\n- + Much More!\nWhat is index investing?\nIndex investing is a hands-off investing strategy that requires little to no management. This book explains everything from getting started to minimizing your tax liability once you've made your fortune.\nIs this book suitable for complete beginners?\nYes! I've purposely made this book easy to read, easy to digest, and easy to apply.\nI'm not from the USA. Does this strategy work outside of the US?\nYes. The investing strategies within this book, including tax strategies, can be used in any country.\nIf I don't understand something in the book, can I ask you for help?\nOf course! Send me an email at firstname.lastname@example.org and I'll be happy to help clear anything up.\nWhat Readers are Saying...\nIf you aren't 100% satisfied after reading, send me an email at email@example.com within 30 days, and I'll give you a full refund.\nWhat have you got to lose? Grab it now!\nYou will receive this eBook instantly.\nGot any issues?\nShoot me an email at firstname.lastname@example.org and I'll get back to you as soon as possible.", "domain": "finance"}
{"url": "https://faqsnow.com/web-stories/alex-de-minaurs-6-million-net-worth-proves-hard-work-pays-off/", "date": "2023-02-06T18:58:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500357.3/warc/CC-MAIN-20230206181343-20230206211343-00804.warc.gz", "language_score": 0.97808837890625, "token_count": 171, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__268362812", "lang": "en", "text": "Australian Tennis Player Alex de Minaur Reaches $6 Million Net Worth\nAlex de Minaur is an Australian professional tennis player who has a net worth of $6 million.\nHe has earned his wealth through endorsement deals with companies such as Nike, Lacoste and Wilson and also by winning various tournaments throughout his career.\nHis career highlights include reaching the quarterfinals at the 2019 US Open, making it to the finals of the 2019 Next Gen ATP Finals, and achieving a career-high ranking of world number 18 in early 2020.\nHe has also won four singles titles on the ATP Tour and represented Australia at the 2018 Davis Cup Final.\nAlex de Minaur is one of the most promising young players on the men's tour and his net worth will continue to grow as he continues to achieve success.", "domain": "finance"}
{"url": "http://www.nelson.com/catalogue/productOverview.do?Ntt=287383784139518751820925278281857137&N=197+4294967208+4294966564+4294966563&Ntk=P_EPI%7C%7CP_EPI&Ntx=mode+matchallpartial", "date": "2020-09-24T14:28:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400219221.53/warc/CC-MAIN-20200924132241-20200924162241-00584.warc.gz", "language_score": 0.781965434551239, "token_count": 707, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__274422700", "lang": "en", "text": "International Financial Management, 12th Edition\n- Jeff Madura\n- ISBN-10: 1133947832\n- ISBN-13: 9781133947837\n- 752 Pages | Hardcover\n- Previous Editions: 2012, 2010, 2008\n- COPYRIGHT: 2015 Published\nEquip your students for success in international finance with the depth of theory and practical applications in this best-selling text. Madura's INTERNATIONAL FINANCIAL MANAGEMENT 12E builds on the fundamental principles of corporate finance to provide the timely information and contemporary insights your students need to prosper in today's global business environment. Well-known for its inviting reader-friendly style and clear explanations, this book introduces international finance with a focus on the important role of modern multinational corporations in global commerce. The book discusses a wide range of managerial topics using a strong corporate perspective and updates throughout the text emphasize the most recent financial changes and industry trends to prepare your students for contemporary practice. This edition also highlights financial reform and its impact on international finance today with \"Financial Reform\" margin call-outs. Online Articles as well as expanded real-world applications and clear, relevant examples provide the hands-on experience your students need to understand and effectively manage within the dynamic field of international finance. Instructive diagrams, learning features, and self-test opportunities further guide your students to the strong understanding of financial theory they'll need for international finance success.\nPart I: THE INTERNATIONAL FINANCIAL ENVIRONMENT.\n1. Multinational Financial Management: An Overview.\n2. International Flow of Funds.\n3. International Financial Markets.\n4. Exchange Rate Determination.\n5. Currency Derivatives.\nPart II: EXCHANGE RATE BEHAVIOR.\n6. Government Influence on Exchange Rates.\n7. International Arbitrage and Interest Rate Parity.\n8. Relationships among Inflation, Interest Rates, and Exchange Rates.\nPart III: EXCHANGE RATE RISK MANAGEMENT.\n9. Forecasting Exchange Rates.\n10. Measuring Exposure to Exchange Rate Fluctuations.\n11. Managing Transaction Exposure.\n12. Managing Economic Exposure and Translation Exposure.\nPart IV: LONG-TERM ASSET AND LIABILITY MANAGEMENT.\n13. Direct Foreign Investment.\n14. Multinational Capital Budgeting.\n15. International Corporate Governance and Control.\n16. Country Risk Analysis.\n17. Multinational Capital Structure and Cost of Capital.\n18. Long-Term Debt Financing.\nPart V: SHORT-TERM ASSET AND LIABILITY MANAGEMENT.\n19. Financing International Trade.\n20. Short-Term Financing.\n21. International Cash Management.\nAll supplements have been updated in coordination with the Main title.\nPlease see Main title page for new to this edition information.\nAccessible from the instructor companion site, Cengage Learning Testing Powered by Cognero is a flexible, online system that allows you to author, edit, and manage test bank content from multiple Cengage Learning solutions; create multiple test versions in an instant; and deliver tests from your LMS, your classroom, or wherever you want. The Cognero Test Bank content is tagged according to Tier I (Business Program Interdisciplinary Learning Outcomes) and Tier II (Finance-specific) standards, topic, Bloom's Taxonomy, and difficulty level.", "domain": "finance"}
{"url": "https://www.bankoftucson.com/", "date": "2018-10-21T00:09:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-43/segments/1539583513508.42/warc/CC-MAIN-20181020225938-20181021011438-00066.warc.gz", "language_score": 0.8863774538040161, "token_count": 304, "dump": "CC-MAIN-2018-43", "global_id": "webtext-fineweb__CC-MAIN-2018-43__0__203353794", "lang": "en", "text": "Email Link Disclaimer\nNotice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands,\nBank of Tucson suggests that confidential information, such as account numbers or social security numbers, not\nbe transmitted via email. If this information must be stated, please contact Bank of Tucson by phone or at your\nnearest office. Thank you. If you \"Continue\", the link will open a new email message in your default email program.\nExternal Link Disclaimer\nBank of Tucson has no control over information at any site hyperlinked to or from this Site. Bank of Tucson makes\nno representation concerning and is not responsible for the quality, content, nature, or reliability of any\nhyperlinked site and is providing this hyperlink to you only as a convenience. The Privacy and Security policies of\nthe hyperlinked site may differ from those of Bank of Tucson. The inclusion of any hyperlink does not imply any\nendorsement, investigation, verification or monitoring by Bank of Tucson of any information in any hyperlinked\nsite. In no event shall Bank of Tucson be responsible for your use of a hyperlinked site.\nIf you \"Continue\", the link will attempt to open a new window. If it is unable to, the link will open in the current\nPlease note that Bank of Tucson's website will no longer support Internet Explorer 8, or older versions of Internet Explorer. Please upgrade your browser to fully experience the features and security of our new website. Thank you.", "domain": "finance"}
{"url": "https://edenrobot.com/the-cost-of-installing-an-autogate-for-your-home-in-malaysia/", "date": "2023-12-03T10:14:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100499.43/warc/CC-MAIN-20231203094028-20231203124028-00717.warc.gz", "language_score": 0.9187782406806946, "token_count": 534, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__218455996", "lang": "en", "text": "Autogates have become a popular choice for homeowners in Malaysia who are looking for an added layer of security and convenience. While the benefits of an autogate are clear, the cost of installation can be a significant factor in the decision-making process. In this article, we’ll explore the cost of installing an autogate for your home in Malaysia, including installation, maintenance, and repair costs.\nThe cost of installing an autogate in Malaysia can vary depending on factors such as the type of gate, the size of your property, and the complexity of the installation. Generally, a basic autogate system can cost around RM 1,500 to RM 6,000, while a more advanced system can cost upwards of RM 10,000 or more.\nLike any mechanical system, autogates require regular maintenance to ensure that they function correctly. Regular maintenance can include lubrication, checking for wear and tear, and adjusting the gate’s sensors and controls. The cost of maintenance can vary depending on the type of autogate and the complexity of the system. Generally, maintenance costs can range from RM 80 to RM 200 per year.\nEven with regular maintenance, autogates can experience mechanical failures due to wear and tear, weather conditions, or accidents. Repair costs can vary depending on the type of repair needed and the severity of the issue. Generally, repair costs can range from a few hundred RM to several thousand RM.\nConsider Upgrading to the Eden Robot eGate X1 Series\nIf you’re looking for a reliable and efficient solution to your autogate needs, consider upgrading to the Eden Robot eGate X1 Series. This state-of-the-art automatic gate system offers advanced features such as intelligent obstacle detection, real-time status monitoring, and remote control via the Eden Robot app. The Eden Robot eGate X1 Series is also designed for low maintenance, reducing the long-term cost of ownership. With the Eden Robot eGate X1 Series, you can enjoy the convenience and security of an automatic gate without the high costs associated with other systems.\nInstalling an autogate for your home in Malaysia can be a significant investment. While the costs involved can vary depending on the type of system, size of your property, and other factors, it’s essential to consider the long-term benefits of added security and convenience. Regular maintenance and repair costs should also be factored into your decision-making process. Consider upgrading to the Eden Robot eGate X1 Series for a reliable and efficient solution to your autogate needs that will provide long-term savings.", "domain": "finance"}
{"url": "https://www.carypark.com/rccms/finance/", "date": "2024-02-22T17:54:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473824.13/warc/CC-MAIN-20240222161802-20240222191802-00534.warc.gz", "language_score": 0.9139521718025208, "token_count": 454, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__22160345", "lang": "en", "text": "Cary Park District Financial Information\nThe Cary Park District is a recipient of the Certificate of Achievement for Excellence in Financial\nReporting from the Government Finance Officers Association of the United States and Canada (GFOA)\nfor its comprehensive annual financial report. The award is the highest form of recognition in the area of\ngovernmental accounting and financial reporting.\nBelow are links to the budget, audit, and other financial information for the District.\nAnnual Budget and Appropriation Ordinance\nAnnual Comprehensive Financial Report\nTotal Compensation Package Information\n- Pursuant to Public Act 97‐0609, the following information is being provided for budget year\nending April 30, 2024. Total Compensation Notice FY 2023-24\nIMRF Employer Cost and Participation Information\n- Pursuant to Pubic Act 101-504, amending the Illinois Pension Code (40 ILCS 5/7-135.5), as a participating member of the Illinois Municipal Retirement Fund (IMRF), the Cary Park District is required to provide the link below to IMRF’s website pertaining to information regarding IMRF’s employer cost and participation:\nCary Park District Receives GFOA Award\nThe Cary Park District received the Certificate of Achievement for Excellence in Financial Reporting from the Government Finance Officers Association of the United States and Canada (GFOA) for its Comprehensive Annual Financial Report. The Certificate of Achievement award is designed to recognize and encourage excellence in financial reporting by state and local governments. This award is the highest form of recognition in the area of governmental accounting and financial reporting.\nThe purpose of the Certificate Program is to encourage all government institutions, including Park Districts, to prepare and publish an easily readable, organized, and understandable Annual Financial Report. The Cary Park District’s Comprehensive Annual Financial Report for the fiscal year ending April 30, 2021, was judged by an impartial panel to meet the high standards of the GFOA program. The Cary Park District has received the GFOA award for Comprehensive Annual Financial Reports for the last 16 years.\nThe GFOA is a nonprofit professional association serving approximately 20,000 government finance professionals with offices in Chicago, IL, and Washington, D.C. The Certificate Program was established in 1945.", "domain": "finance"}
{"url": "http://boxgeek.com/customboxbuilder.php", "date": "2017-07-24T02:27:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-30/segments/1500549424683.39/warc/CC-MAIN-20170724022304-20170724042304-00105.warc.gz", "language_score": 0.9263142347335815, "token_count": 144, "dump": "CC-MAIN-2017-30", "global_id": "webtext-fineweb__CC-MAIN-2017-30__0__45394560", "lang": "en", "text": "*The estimated price is not the same as a final quoted price. The final quote price should be very close, if not less, to the estimated price. If you have any questions, please call us toll-free at 1-877-226-9433.\n**Please also keep in mind that we utilize the industry standard 10% over/under policy. Due to our sheet supplier’s production methods, we may receive 10% more or less of the sheets needed to complete your order. If it is 10% more, then you are required to pay for the overrun of boxes before we ship. If it is 10% under, then we will refund the underrun back to your credit card.", "domain": "finance"}
{"url": "https://calcease.com/amortization-schedule-calculator/", "date": "2023-12-02T05:22:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100327.70/warc/CC-MAIN-20231202042052-20231202072052-00600.warc.gz", "language_score": 0.9319669008255005, "token_count": 624, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__228339047", "lang": "en", "text": "Take Charge of Your Loan Repayments with the Ultimate Amortization Schedule Calculator: In-Depth Guide and Practical Benefits\nAmortization Schedule Calculator\nManaging your finances effectively often includes keeping track of your loan repayments. Our user-friendly Amortization Schedule Calculator can help you do just that by providing a detailed overview of your loan payments throughout the repayment term. In this blog post, we will discuss the features of our calculator, explain the required inputs, and demonstrate how to use this powerful tool to make well-informed decisions about your loan.\nThe Amortization Schedule Calculator: A Comprehensive Solution\nThe Amortization Schedule Calculator is designed to provide you with a complete breakdown of your loan payments over the entire repayment period. This tool factors in the loan amount, interest rate, number of payments, and payment frequency to generate a detailed payment schedule, including both principal and interest components.\nInputs Needed for the Amortization Schedule Calculator:\n- Loan amount: The total amount you have borrowed or intend to borrow.\n- Interest rate: The annual interest rate for your loan, expressed as a percentage.\n- Number of payments: The overall number of payments to be made throughout the loan term.\n- Payment frequency: The regularity with which you make loan payments, such as monthly, bi-weekly, or weekly.\nUtilizing the Amortization Schedule Calculator:\nTo effectively use the Amortization Schedule Calculator, follow these easy steps:\n- Provide the loan details: Enter the loan amount, interest rate, number of payments, and payment frequency in their respective fields.\n- Click “Calculate”: The calculator will generate a comprehensive amortization schedule, displaying the principal and interest components for each payment period.\n- Analyze the results: Review the amortization schedule to gain valuable insights into your loan payments and understand the distribution of principal and interest payments over the loan term.\nAdvantages of Using the Amortization Schedule Calculator:\n- Better financial planning: The calculator enables you to create a realistic budget that accommodates your loan payments, ensuring that you can fulfill your financial commitments.\n- Informed loan management: Gaining insights into the distribution of your loan payments allows you to make well-informed decisions about prepayments, refinancing, or adjusting your payment frequency to save on interest expenses.\n- Accelerated debt repayment: Understanding the interest and principal components of your loan payments can help you devise strategies to pay off your loan more quickly, such as allocating extra payments towards the principal.\n- Tax planning: For loans with tax-deductible interest payments, the amortization schedule can help you plan your tax deductions accurately and optimize your tax strategy.\nThe Amortization Schedule Calculator is an essential tool for anyone seeking to gain control over their loan repayment process. Armed with detailed information about your loan payments, you can make well-informed financial decisions and manage your debt more effectively. Try our Amortization Schedule Calculator today and take a significant step towards achieving financial stability.", "domain": "finance"}
{"url": "https://gadget.land/gifts/atm-touch-screen-bank/", "date": "2022-11-27T13:09:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710237.57/warc/CC-MAIN-20221127105736-20221127135736-00705.warc.gz", "language_score": 0.9098067283630371, "token_count": 184, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__135880494", "lang": "en", "text": "IWOOT – Stuff you really, really wantThe ATM Touch Screen Bank is the perfect place to save your cash. An updated, somewhat more hi-tech version of the piggy bank, this little saving box is like having your very own ATM in your bedroom. Secure from siblings, parents and housemates, this personal saving bank is secured with a card and password. Featuring a touchscreen, an auto roll deposit slot for notes and an automatic coin counter, you can set a savings target, the time, an alarm and check your balance at any time. The ATM Touch Screen Bank is a great little gift for anyone in need of encouragement to save their pocket money or Birthday cash.Suitable for ages 8 and over.Requires 3 x AA batteries (not included).Dimensions: H: 19cm x W: 15cm x D: 14cmPlease note: The ATM Bank will only accept GBP.", "domain": "finance"}
{"url": "https://cityrice.com/km/news_activities/chinese-milled-rice-exports-to-rise-more-than-11-percent-in-2022-rice-federation/", "date": "2024-04-20T02:03:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817463.60/warc/CC-MAIN-20240419234422-20240420024422-00011.warc.gz", "language_score": 0.9703614115715027, "token_count": 798, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__120287668", "lang": "en", "text": "Milled rice exports will recover in 2022 after dropping this year, according to the Cambodia Rice Federation. Cambodia exported 530,000 metric tonnes (mT) of milled rice in the year through November and the federation is forecasting 630,000 mT for the whole of 2021. That compares with a total of 690,000 mT last year, which would be a drop of 8.7 percent. Next year, the federation forecasts a rebound to 700,000 mT which would be a year on year rise of 11.1 percent compared with this year’s estimate.\n“The key markets for Cambodia that I can see are the European Union countries. China will still play a big role in high quantity exports,” said Cambodia Rice Federation Vice President Andy Lay.\nLay said the rising shipping costs and shortage of suitable-sized containers that have hit exports over the past two years are likely to continue in the short term.\n“That will at least take another six months for everything to get back, not to normal, but to ease the situation,” he said. “The reason for the increasing shipping costs is the closing of the borders and surge in the Covid-19 pandemic in the USA and Europe, making the returning of empty containers quite difficult.\nShipping costs have increased because the shipping companies are taking advantage of this position to increase their profits. The profits of shipping lines in 2021 are almost five times what they did in 2020. Now countries are opening their borders, reducing quarantine so I think economies are recovering. I can see from July onwards the shipping costs may come down,” Lay said.\nLay is the Chief Executive Officer of City Rice Import Export Company Ltd which was Cambodia’s biggest milled rice exporter last year and will hold onto the title this year if his forecast of 100,000 mT is correct. Next year he says the company will export as much as 20 percent more milled rice. The company buys all its rice from local farmers and says it aims for sustainable growth in production.\nTo meet the expected rise in demand City Rice is considering whether to invest more in its wet paddy drying facilities from 1,500 mT a day capacity this year to as much as 2,000 mT a day in 2022.\nLay said he agreed with the likes of the Asian Development Bank, which has called on Cambodia to modernise its agricultural technology and educate farmers on how to use new equipment but he says it will lead to suffering in the short term.\n“In purchasing the technology and as far as the education level as well to accommodate the changes its quite troublesome. I don’t see it in the next couple of years but in the next five to 10 years I can see the new generation of farmers will come up with higher education and so I can see Cambodia will move up to a high-tech agricultural country,” he said.\nCambodia is likely to be increasingly affected by droughts and floods due to climate change and Lay said farmers need to adapt to deal with it.\n“Our business is relying on the sky,” Lay said. “Farmers have lost a lot of production, a lot of capital during the drought years but luckily this only happened every three to four years. To farmers flooding is better than drought. Drought has damaged a lot of production yield, has degraded the land. This year we have seen an increase in the growing of the OM5451 variety which is a crop that doesn’t need a lot of water, has high production yields and is less susceptible to climate change.”\nNormally Cambodian farmers grow a mix of 60 percent fragrant rice and 40 percent OM5451 but the mix has now shifted to only 25 percent fragrant and 75 percent OM5451 rice, Lay said.", "domain": "finance"}
{"url": "https://www.4living.co.uk/pages/Interest-Free-Credit.html", "date": "2018-08-16T06:45:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221210463.30/warc/CC-MAIN-20180816054453-20180816074453-00712.warc.gz", "language_score": 0.9348409175872803, "token_count": 380, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__96958617", "lang": "en", "text": "Now buy top brands such as Ethnicraft, Conran, Polo Divani, 4 Living, Heathfield, Greenapple with interest free credit.\n4 Living has teamed up with DEKO to offer you 12 months 0% APR interest free credit on any order over £500 or up to 48 months at a low rate of 9.9% APR. This means you will be able to spread the cost of your purchase over 6, 12, 24, 36 or 48 easy monthly payments (subject to status).\nPlease note it is not possible to combine interest free finance with promotional or seasonal sales offer discount codes.\nJust checkout online now, select finance as your payment option and complete the easy 5 minute online application that follows. You pay a deposit of between 10% and 50% and and select 6 or 12 months 0% interest free or up to 48 months with a low rate of 9.9% (Applicants need to be a over 18 years of age and be a UK resident.)\nTo buy your items with interest free credit just select the finance payment option during checkout and complete the easy 5 minute online application that follows that is all!\nConsumer credit service is provided by Pay4Later Ltd trading as DEKO. Pay4later Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please refer to https://www.dekopay.com/faq or visit https://www.dekopay.com/\nFinance is provided through the DEKO platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.", "domain": "finance"}
{"url": "http://oakbrook-cpa.com/", "date": "2024-03-01T20:02:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475701.61/warc/CC-MAIN-20240301193300-20240301223300-00334.warc.gz", "language_score": 0.9488024711608887, "token_count": 1263, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__76814880", "lang": "en", "text": "Daniel J. Brown, CPA, a local firm with\nmore than 25 years experience\nDan provides income tax preparation and\nplanning services and IRS representation.\nIn addition, he counsels clients on business start-ups, divorce,\nestate issues, retirement and college planning, and\nmany other tax and financial matters.\nBy providing exceptional service, Dan builds lasting\nrelationships with clients. Many have\nbeen returning since the firm was\nestablished and children of clients have become clients\nthemselves. Many clients who move to other states or abroad continue to use his services.\nDue to the Coronavirus pandemic, in-person meetings have been significantly curtailed. Zoom meetings are available. Documents can be dropped off at the office, emailed using our secure portal, sent by USPS, FedEx, or UPS, or faxed.\nUnderstand Your Tax Opportunities and\n\"I have seen people overpay taxes by\nthousands of dollars\nthey made uninformed\nDan wants clients to avoid making uninformed decisions and to pay no\nmore income tax than is required. After considering the circumstances of\nclients, he offers tax\ngladly answers their questions. The Tax Cut and Jobs Act (TCJA)\npassed in December 2017, effective January 1, 2018, had a broad impact. It affected: (a)\nsmall business owners, independent contractors, and landlords, (b)\ndivorce settlements, (c) employees with unreimbursed business expenses,\n(d) charitable giving-especially for those over 70.5, and (e) the\ndeductions for state and local taxes (SALT) and mortgage interest.\nTCJA nearly doubled the standard deduction and introduced the concept of Qualified Business Income (QBI). With\nexceptions, only 80 percent of income classified as QBI is taxable.\nTCJA also eliminated the personal exemption for taxpayers and their\ndependents; in its place credits for dependents were introduced.\nMore recently, The SECURE Act and Coronavirus relief bills were passed. Go to the Tax Law Changes tab for more information.\nBelow are the types of questions Dan is asked:\n- I am starting a new business, what expenses\ncan I deduct? Or, I will be an\nindependent contractor, what can I deduct? Should\nI make estimated tax payments?\n- With the higher standard deduction and cap on state and local taxes, I no longer get a tax savings from my charitable contributions. Is there a way I can deduct my contributions?\n- How does Qualified Business Income affect me?\n- In the past, I made nondeductible IRA contributions but never told my tax\npreparer. Is that OK?\n- I had a high income for many years\nand made large retirement plan contributions; but I have not worked this past\nyear; are there tax\n- As a self-employed person, how should I save for my children's college, for retirement? To pay for\n- I received a small inheritance. What will the income tax be?\n- Should I convert my retirement accounts to a\n- I changed jobs. Should I rollover my 401(k)\nor use it to pay bills? Should I use it\nfor my child's tuition?\n- Is my IRA ever required to file a tax return?\n- My widowed mother named me executor of her estate; when\nshe passes, what should I do?\n- I have a bank account overseas and pay\nincome tax on the earnings to the foreign country. Can I disregard it on my federal 1040?\n- Should I sell my appreciated rental property or\ndo a like-kind exchange?\n- Can I make a \"back door\" Roth IRA contribution?\n- My income is too high for me to qualify for an\neducation credit; can my child take the\n- I am a minister. How is my self-employment\ntax calculated? What's covered by my\n- I play online poker and was told I should file a FinCEN form 114. What is this form and how do I file it?\n- The divorce is not final and we are living\napart. Should we file jointly or\nseparately? Head of Household?\n- My child's college tuition and fees were paid by\nscholarships; am I disqualified from taking education credits?\n- What are the advantages of deducting a home office? Am I eligible?\n- As part of our estate planning, my spouse and I created a joint living trust. Should we file a tax return for\nthe trust? Since our assets are less than the personal exemption, when the first one passes, should the surviving spouse file a 706 estate tax return?\n- Will my estate pay an estate tax when I pass?\n- I receive money every month from my ex-spouse. Is\n- What is the downside to financing my new business with my IRA?\n- I exercised stock options and sold the stock; how do\nI figure the taxable gain?\n- Should I gift my house to my children now, while I am living, or pass it to them after I die?\n- Does the elimination of the \"stretch\" IRA affect my estate planning?\nDan asks clients:\n- Do you have a will or trust? Is it up to date? (If your trust does not consider \"portability\" and does not allow flexibility in determining how much of the estate should be put into a credit shelter trust, it is probably not up to date.)\n- Have you reviewed your primary and contingent beneficiary designations on your life insurance and retirement accounts lately? Do not rely on your will for designating beneficiaries of these assets.\nAppointments are available 9:30 am to 7:30\npm Monday through Thursday and 9:30 am to 3:30 pm Friday\nand Saturday. Call\n630 629-4400 to\nschedule an appointment.\n4 Miles South of Oakbrook Shopping Center\n119 E Ogden Avenue, Suite 130\nHinsdale, Illinois 60521\n630 455-1190 fax", "domain": "finance"}
{"url": "http://cristiangyunq.bloginwi.com/10098079/the-initial-step-you-need-to-take-to-get-rich-in-the-stock-exchange", "date": "2019-01-22T04:42:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547583826240.93/warc/CC-MAIN-20190122034213-20190122060213-00215.warc.gz", "language_score": 0.9729818105697632, "token_count": 651, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__45114357", "lang": "en", "text": "I am extensively acknowledged as a leading expert in the stock market and particularly at teaching you how to become your next-door neighbor's millionaire next door. I didn't begin as educated and experienced as I am now. I began out knowing almost absolutely nothing. When a complete service stock broker stole $85,000 from my eighty year old grandmother, I was so unskilled in my early twenties that I could only stand by. I watched the across the country stock brokerage protect the interests of the complete broker and my granny lost whatever.\nThe discomfort of this was so extreme that it drove me to finish my Ph.D. in financing-- less than a numerous us finish in this degree around the world annually since it is so mathematically tough. My disappointment and anger at the huge abundant forces behind Wall Street drove me to become a contemporary day master of cash. This is what you have to do-- get up!!! Awaken to the fact that you can make it as a stock financier. Awaken to the reality that you control your destiny which you can stop handing all of the control over to the Wall Street device that could definitely care less about your monetary future. This is the first action-- take full duty for you revenues, cost savings and financial investment.\nI discovered years ago from a friend of mine, Dr. Van Tharp, Ph.D., that if I didn't take complete duty for my investing that I would never advance-- I would merely break the delicate feedback loop that permits all of us to discover from our errors. Whenever you blame anybody for a monetary mistake you damage the chance to grow and learn from the situation. The easy choice you must make is to anonymous deeply, completely, firmly, and finally, say to your self, \"I am the master of my universe-- I am in control-- Wall Street has no power over my mind\" is the essential critical modification you need to make in your thinking.\nSome individuals will think that you are arrogant however simply blow them off and laugh all the method to the bank. Stop listening to individuals-- are these meddlesome little bug a bugs in your life that so rapidly nay state your financial investment dreams paying your costs or providing you money to continue-- no so blow them off! They just wish to provide you bad recommendations so that you fall into their very same financial loser traps. In regards to investing become an island unto yourself and really carefully cultivate relationships with people who truly do understand what they are carrying out in investing. This is precisely what I did. I started looking for people who actually comprehend the marketplaces. I found them with time and I asked them great deals of questions.\nI am commonly recognized click for more as a leading professional in the stock market and specifically at teaching you how to become your neighbor's millionaire next door. I was so about his unskilled in my early twenties that I might just stand by when a full service stock broker stole $85,000 from my eighty year old grandma. I saw the nationwide stock brokerage protect the interests of the full service broker and my grandma lost whatever.\nThis is what you have to do-- wake up!!! Wake up to the fact that you can make it as a stock investor.", "domain": "finance"}
{"url": "http://allaboutinvoice.zohosites.com/blogs/post/Importance-of-Online-Invoicing", "date": "2018-09-22T05:40:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267158045.57/warc/CC-MAIN-20180922044853-20180922065253-00420.warc.gz", "language_score": 0.9536806344985962, "token_count": 547, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__126289920", "lang": "en", "text": "An invoice is a document given by the seller or certain goods or services to the clients that contain details of the customer and the dealer, the list of the products and other related information. Online invoicing hence allows a seller of these commodities to indicate such information on online platforms such as the customer portals and the websites. Online invoicing has very many advantages. Some of the reasons why online invoicing is essential may include. First, it helps to make the processing of orders made by the customers to be quick. This is vital because the clients can get their orders delivered on time and also make payment for these goods.\nOnline invoicing is crucial because it helps to reduce the tasks of the supplier of these goods and this is because it is automatic. Online invoicing support the payment for the goods and services supplied to the clients through the internet. This is important because it simplifies these transactions. Online invoicing helps in navigation especially when searching through information. The accounting tasks, therefore, becomes simple for both the customer and the sellers. Another reason as to why online invoicing is vital is that it helps to cut down various costs incurred by the dealer of the goods such as purchasing of the stationery, costs incurred when delivering the invoices among many other. To learn more, click here.\nThe online invoices are essential because they are free from errors. Customers are not charged excess or lower than the actual cost of the goods and services offered. This helps to prevent loses suffered in situations when such errors occur. Online invoicing is crucial because it can be done for all types of goods on which orders are made. Various organizations and businesses, therefore, have a chance to use these internet services to promote their services. Check https://www.sighted.com/blog/net-30-net-60-or-net-90-terms-and-what-does-it-all-mean for more info.\nOnline invoicing is essential because it helps a dealer to handle huge orders. Sometimes, it may be difficult to capture all the items ordered by a customer especially when relying on the paper way of recording orders. Online invoicing therefore simplify these tasks and ensure that customers are satisfied. Another benefit of online invoicing is that it helps in creating reminders which are essential in debt collection activities. This is where the dealer is alerted on the debts held by the customers. The backup features of the online invoicing which help in data recovery are vital since they ensure that the dealer can access this information even when the online platforms are corrupted. Visit https://www.wikihow.com/Invoice-a-Customer for other references.", "domain": "finance"}
{"url": "https://optimist.org/member/administration2.cfm", "date": "2024-03-01T06:26:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475203.41/warc/CC-MAIN-20240301062009-20240301092009-00697.warc.gz", "language_score": 0.8605042099952698, "token_count": 247, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__159455635", "lang": "en", "text": "ACH Direct Debit Authorization Program\nThe Automated Clearing House program – or ACH – allows Optimist Clubs\nto pay their bills electronically. It’s an easy and efficient way for Clubs\nto handle their financial obligations to Optimist International. Best of all,\nthe program is secure!\nTo initiate the ACH direct debit bill form of payment for a Club, Optimist International\nneeds the following two items:\n1. A completed \"authorization agreement for direct debits\" form. You\nmust choose the agreement applicable to your Club:\nUS Dollar ACH Debit Authorization Agreement\nCanadian Dollar Pre-authorized\n2. A voided check or bank draft (or copy) for the bank account from which you\nwould like us to withdraw money (debit). Please do not use a deposit slip. Note:\nOnly one bank account per Club can be assigned for ACH.\nYou can fax both the completed authorization agreement form and a voided check\nimage to the attention of Michele Ervin at (314) 371-6006.\nOr mail the information to:\nc/o Accounting Department\n4494 Lindell Blvd.\nSt. Louis, MO 63108", "domain": "finance"}
{"url": "https://www.opticveronique.be/39474/used%20-%20gold%20-%20quality.html", "date": "2023-09-23T13:33:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506481.17/warc/CC-MAIN-20230923130827-20230923160827-00793.warc.gz", "language_score": 0.9399212598800659, "token_count": 141, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__24410091", "lang": "en", "text": "Look for the quality mark. Pure gold, or 24karat, is generally considered too soft for use in jewelry, so it is alloyed with other metals to increase its strength. Eighteenkarat gold is 18 / 24 ths, or threequarters pure gold. Jewelry of this fineness is marked \"18k\" or \"750,\" the European designation meaning 75 percent gold.\n03/09/2021 · The gold prices used in this table and chart are supplied by FastMarkets. Where the gold price is presented in currencies other than the US dollar, it is converted into the local currency unit using the foreign exchange rate at the time (or as close to as possible).", "domain": "finance"}
{"url": "http://mylifeinfocusblog.wordpress.com/2013/10/02/grocery-challenge-results-down-38-woo-hoo/", "date": "2013-12-07T08:32:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386163053883/warc/CC-MAIN-20131204131733-00026-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9683550000190735, "token_count": 666, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__86171568", "lang": "en", "text": "In case you think DH and I lowered our grocery bill and haven’t been eating well or have shortchanged our menu plans, I spent a week taking iPhotos of our meals with my smart phone and set up a little slide show. I put a caption under each photo describing the dish. Almost all the food was purchased at Aldi with the exception of the beef and whole wheat pita bread (Stop & Shop) and the chick peas (dried, at Shop Rite). I’ve also included a pic of our favorite table wine, Paisano by Carlo Rossi @$14 for the 4 liter bottle. If we conserve, the bottle usually lasts for six weeks.\nAs far as our monthly budget goes, there is absolutely nothing more we can cut out of it. Our bills are fairly the same each and every month. Most of my utilities are on basic or bare bones. We’ve stopped going to restaurants, shopping retail, buying entertainment, etc. If it isn’t free, we don’t do it.\nOne of the last challenges left for us to face was to somehow lower our grocery bill without affecting our high quality menu planning. DH and I take our food seriously. We’re both excellent cooks and we demand meals made with good quality ingredients.\nI came up with a solution that if we streamlined our meals and narrowed our choices we might be able to achieve our goal, lower the food bill yet still retain our high quality, healthy meals. It was a team effort and I am happy to report that DH and I have successfully accomplished our goal. We have lowered our monthly food bill by 38%! We used to pay on average $516 a month for the two of us. Now? I can safely say we are currently averaging $317 a month. That’s a savings of almost $200 a month!\nWe did this by narrowing our food shopping to one main store, Aldi. Once or twice per month I would shop at another grocery store, either Stop & Shop (Thursday only, when all meats and veggies/fruits are discounted) or Shop Rite (when they have their canned good sale/pasta sale/organic chicken sale). I only buy food at these stores. Anything else, such as shampoo, soap, cleaning supplies are purchased at The Dollar Store.\nThis savings came just in time because DH and I will be facing a steep increase in one of our budgetary categories: medical. DH had some unexpected medical treatment this year due to contracting Lyme Disease. Who would have ever thought that a teeny, tiny little tick could have done so much damage to his health. He’s had a plethora of tests because the Lyme affected his heart and possibly his brain. We’ll know more soon when results from other tests come back. But in the meantime, DH’s out-of-pocket costs, plus his high deductible have pushed us over our budget. I’ve called everyone who we still owe money to (hospital, doctors, labs) and worked out a monthly payback of $217 a month total.\nIs it a coincidence that the medical amount is very close to how much we have saved on our grocery budget?\nAnd so my beat goes on.", "domain": "finance"}
{"url": "https://wolfrockfp.co.uk/", "date": "2024-02-22T04:11:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473690.28/warc/CC-MAIN-20240222030017-20240222060017-00004.warc.gz", "language_score": 0.9586495757102966, "token_count": 214, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__83045166", "lang": "en", "text": "James Sculthorp-Wright is a Chartered Financial Planner and Managing Director of Wolf Rock Financial Planning. Having worked in the financial services industry for a decade, James has attained the qualification of Fellow of the Personal Finance Society, the most prestigious level of professional achievement based on technical ability and knowledge.\nDue to the advice areas we specialise in, James is proud to be a fully accredited member of the Society of Later Life Advisers (SOLLA), which is recognised as the gold standard in advising later life clients, and is independently audited and endorsed by the Government’s Financial Skills Partnership (FSP).\nOutside work James is a lifelong volunteer, and has worked with a number of charities and not-for-profits, including the South Western Ambulance Service, and Rotary International. James is currently a Trustee of Creative Kernow, a registered charity supporting the development of creative communities and businesses in Cornwall and through national and global partnerships. He is also an Emergency Ambulance Crew volunteer for St John Ambulance.", "domain": "finance"}
{"url": "https://www.hotarticle.org/tips-to-buying-a-home-in-hyderabad/", "date": "2024-02-22T21:41:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473824.45/warc/CC-MAIN-20240222193722-20240222223722-00060.warc.gz", "language_score": 0.9409250020980835, "token_count": 233, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__116553887", "lang": "en", "text": "The capital of Telangana, Hyderabad is known as the IT and Pharma hub of India. Obviously, the real estate market is a mature one in the city with more people interested in buying under-construction projects.\nThe government authorities are focusing on boosting sustainable and affordable housing segments of the real estate market. Liberal policies, infrastructure development, and the creation of smaller districts are the main reasons for builders and developers in Hyderabad to invest heavily in the sector.\nIf you are new to the city here are some important tips to consider before you buy a home.\nSet your budget after doing a proper analysis of your finances. If you are taking a loan, consider all the costs involved and budget the EMI payment from your income. You must do long-term and short-term calculations on paper in order to know where exactly you stand. If you are checking flats for sale in Miyapur for example, you need to check if it is within your budget.\nOriginal article published at https://www.ezeebiz.in/essential-tips-for-first-time-home-buyers-in-hyderabad/", "domain": "finance"}
{"url": "https://travelden.net/refund-and-complain", "date": "2019-12-15T15:40:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575541308604.91/warc/CC-MAIN-20191215145836-20191215173836-00103.warc.gz", "language_score": 0.9401463866233826, "token_count": 348, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__46483456", "lang": "en", "text": "Service fees cover the costs incurred by Travelden in booking and servicing your travel reservations. In the event of the client cancelling a booking, Travelden shall have the right to either claim an amount or to retain an amount of the payment as cancellation fees payable to Travelden. We will not provide a refund to you until we receive the funds from the relevant supplier. Cancelled bookings may incur charges directly from the supplier. These charges can be up to 100% of the cost of the booking, regardless of whether travel has commenced. Where we incur any liability for a cancellation fee or charge for any booking which you cancel, you agree to indemnify us for the amount of that fee or charge. An amendment fee per booking may be levied for any changes to the confirmed itinerary and or ticket. This is charged in addition to the change fees charged by the supplier and other Third Party Service Providers. In the unlikely event of there being an unscheduled extension to the final itinerary caused by flight re-scheduling, flight delays, bad weather, strikes or any other cause which is beyond the control of Travelden, its agents or suppliers, it is understood that expenses relating to these unscheduled extensions (hotel accommodation etc.) will be for the client's account. While every effort is made to keep to the final itinerary in accordance with the client?s application, our suppliers and/or Travelden reserve the right to make changes intended for the client's convenience e.g. in some cases, weather conditions can necessitate an alteration in the itinerary and this does not constitute any reason for a refund. It is the client's duty to check each amendment to the itinerary.", "domain": "finance"}
{"url": "https://chrysogelos.gr/index.php/2012-01-26-17-17-39-594/arthra/item/2678-government-gazette", "date": "2020-05-26T06:02:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-24/segments/1590347390448.11/warc/CC-MAIN-20200526050333-20200526080333-00533.warc.gz", "language_score": 0.9453859925270081, "token_count": 1416, "dump": "CC-MAIN-2020-24", "global_id": "webtext-fineweb__CC-MAIN-2020-24__0__117921078", "lang": "en", "text": "The Greek crisis stems from a truly unsustainable development model that was followed for decades, as well as from Eurozone’s structural problems. However, it is not only the causes of the Greek crisis that are shared between Greece and the rest of Europe. The consequences of a potential Greek exit from the euro will certainly have an impact in both Greece and Europe as it will be a real catastrophy for the Greek economy and society, but also a severe blow for the European dream of a united Europe. Hence, euro must become a tool for unity, not for division and Greece mustremain in the Eurozone.\nTo address the Greek problem, the Troika (EU, IMF, ECB) continues to insist on a one-dimensional policy, based on \"internal devaluation\" and reduction of wages and pensions (more than 30%) as a tool for the increase of “competitiveness”, as well as on a dramatic cut of public investments and spending for social services.\nJudging by the results of these policies during the past 2.5 years, one can observe that they failed to achieve their primary objectives. The deficit did not become eliminated while all predictions for the debt levels failed. In the process, however, something even worse occurred: The fiscal crisis was transformed into a deep economic and social crisis.\nThe harsh austerity policy led to an explosion of unemployment which reached the overall level of 23,1%, while youth unemploymentskyrocketed to 54,9%. Moreover,the household income was reduced by 25-30% and it is estimated that it will be further reduced by 5-7% until the end of 2012. Furthermore, 20.9% of the population now live below the poverty line, while the real economy is rapidly being destroyed, as Greece heads towards its sixth consecutive year of recession. The total reduction of the greek GDP will reach 20% (2008 – 2012) while it shrank by 6.2 percent just in the last quarter. The crisis has moved from the public to the private sector especially in SMEs which represent a huge part of Greek economy. As a result of all that, the huge amount of money that Europe is spending for the rescue of Greece, is to a large extent used to service the debt and recapitalise Greek banks, instead of being available to revitalise Greek economy.\nCan the situation be reversed? It is certainly a very difficult task at the moment. First, Greece needs to urgently changeits administration model taking all the necessary steps to restore the common sense of justice. Second, Greece should set and achieve different targets and priorities in its economy. Emphasis should be placed on a green turn of the economy, which, as studies show, can create new jobs, while jumpstarting the economy in a sustainable and long-lasting fashion. Such a plan will enable Greece to succeed in fiscal consolidation and at the same time upgrade its social infrastructures as a means to compensate for the loss of income. This will in turn, strengthen social cohesion and solidarity and will provide the basis for citizens to start believing again that an exit from the crisis is possible. To this end, Greece shouldget the necessary support to overcome the deepest crisis it is facing in its recent history.\nThe Greens in the European Parliament are in favour of a number of reforms in policies promoted by the Troika as well as in the terms of the Memorandum of Understanding leading to the Second Economic Adjustment Programme. In this direction, we have publically presented 7 proposals for a way out of the Greek crisis:\n1. Green New Deal Investment Package. Greece must be supported in investing in energy and resource efficiency and the use of renewable energy resources as well as in green and social innovation. The corresponding package should be financed from Project Bonds, the European Guaranty Funds, a fair levy on wealth and Financial Transaction Tax (FTT), in addition to the effective utilization of unused resources from Structural Funds andthe innovative utilization of financial instruments from Commission budget resources.\n2. Adaptation of the terms of the Memorandum of Understanding to European policies and theirgoalsto successfully address employment, poverty eradication, social dialogue and sustainability issues.\n3. Extension of the time available to Greece to achieve the fiscal targets by two (2) years (until 2016, instead of 2014) in order to succeed. The ESM should finance this extension.\n4. Ensuring of the Greek borders with European guarantees, in order to freeze all armament programs for 3 years.\n5. Ensuring a European support for migrants and refugees in Greece.\n6. Engagement of the European Commission in the effort to get detailed data from the Swiss and other banks for Greek deposits. Help for the improvement of the efficiency of the Greek tax administration as well as fair tax harmonization measures in Europe.\n7. European Agencies should directly support Greek regions and municipalities in revitalizing the real economy, absorbing the existing European Funds and mobilizing additional investments\nIf the data used for the ranking the financial state of regions for ERDF are primarily of theperiod before the crisis (2006-2009), this could lead to a situation where certain regions are erroneously classified as of higher financial performance, while the current socio-economic reality is totally different.\nAlthough we undoubtedly need a long term policy for finding a way out of the crisis, which will include speeding-up the reaction of the European Union to the crisis, some social groups are facing an immediate problem of survival. A substantial part of the Structural funds should be earmarked - where necessary without co-financing - for social purposes, fight against poverty and the creation of jobs, especially for the young people. A Youth Guarantee System aiming at job creation in the 8 countries with high percentage of youth unemployment and a Solidarity Fund which could support directly the vulnerable social groups facing difficulties to survive in Greece and other crisis countries must be established with the utmost sense of urgency. The funding could come from the ESF and other European resources (e.g. 120 billion by “Europe for growth”).\nMoreover, the debt crisis has led Member States to curb public spending and implement austerity budgets although massive investments are required to break the cycle of the crisis and achieve the EU 2020 strategy. It is therefore particularly important to increase the EU budget which is currently too small to handle the problem.\nThe establishment and implementation of a multilevel governance model is also of particular importance. Such a model must include a performance-oriented approach for the resources of the Structural Funds and the tools of the Cohesion Policy. At a more integrated level, the Greens propose a Green New Deal which constitutes a comprehensive response to the multiple crises, integrating macro-economic reforms with a social inclusiveness agenda and green industrial policy, from the local to the global level. We need to advocate the necessary investments to jump-start the urgently needed transformation to a sustainable greener economy, allowing the creation of new green jobs, thus leading to social cohesion.", "domain": "finance"}
{"url": "https://egtonceprimary.org/our-schools/egton-ce-va-primary/information-and-newsletters94351/pupil-premium/", "date": "2024-04-24T03:17:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818999.68/warc/CC-MAIN-20240424014618-20240424044618-00558.warc.gz", "language_score": 0.9554933905601501, "token_count": 273, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__180415483", "lang": "en", "text": "Pupil Premium Information\nIt is a requirement that we provide information about the Pupil Premium allocation in our school and how we choose to use it.\nPupil Premium is an additional amount of funding that schools receive from the government to support areas of deprivation and vulnerable children. The amount each school receives is calculated by a number of different factors including the number of children who have free school meals, the number of Looked After Children and the number of Service children.\nPupil Premium is granted to help overcome barriers to educational achievement faced by the eligible pupils. In our school those barriers include: Social and Emotional needs, Communication needs, Sensory needs and Specific Learning needs.\nWe aim to address these needs through the provision detailed in our pupil premium statement for each academic year, follow the links below. (Please note that Pupil Premium is allocated to schools in financial years so there may be some anomolies in the funding detailed, depending on the time of year.) We measure the impact of our provision termly through our monitoring procedures. This is detailed at the end of the academic year in the impact column. We refine our provision termly if required, based on an audit of needs and impact.\nIf you would like to discuss this further please do contact the school and ask to speak to the headteacher.", "domain": "finance"}
{"url": "https://www.solerax.io/", "date": "2024-04-24T02:28:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818999.68/warc/CC-MAIN-20240424014618-20240424044618-00036.warc.gz", "language_score": 0.9756165742874146, "token_count": 254, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__131642961", "lang": "en", "text": "Our metaverse is truly a work of art with all the functionalities it could have at this moment. It is created on a platform that supports the blockchain environment and above all it has the ability to produce NFTs from any property that is in the world having its value as a single object or as a larger whole.\nThe community is the one that really decides the value of any project, but in the present case this metaverse has offered its own value by the fact that it has a support for its functionality from virtual mining that overlaps with the energy production from the units that exist in the metaverse.\nEven if the trend of these technologies had a period of decline, in the future all the statistics show an increasing demand for accessing them and the values paid for some projects can show the great potential we have.\nEvery user of our metaverse has the opportunity to transform his property into an NFT and hold it in his virtual wallet so that if he wants to, he can list it on a platform for selling NFTs in the crypto environment. The value of such an image is given by the perceived value of the project or even of the picture itself, as there is currently no measure by which a possible future concrete value can be estimated.", "domain": "finance"}
{"url": "https://englewoodvillage.ca/services-land-leasing/", "date": "2023-12-04T00:23:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100518.73/warc/CC-MAIN-20231203225036-20231204015036-00438.warc.gz", "language_score": 0.9399612545967102, "token_count": 498, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__150695917", "lang": "en", "text": "Leasing from Her Majesty the Queen in Right of Canada\nEnglewood Village is located on Crown land held in reserve for the Tzeachten First Nation. The Tzeachten First Nation voted as a majority in favour of the Crown issuing a 99-year pre-paid lease to Englewood Village LLP, the Developers. The two parties involved within the lease are Her Majesty and Englewood Village LLP. The lease commenced in July 2008 and will expire in June 2107.\nHomeowners within the development shall pay sublease payments of $200 per month. The monthly sublease payment shall be reduced to $100.00 a month until Jan 1, 2013. The main sublease payment shall be increased every 3 years starting Jan 1, 2013 accordingly to theconsumer price index (CPI) or a minimum of 1% each year. The head lease is binding between Her Majesty the Queen in Right of Canada and the Developers and no changes shall be allowed to such lease with out the permission of the Village Homeowners.\nLand Leasing Questions & Answers\nAre Leases Common?\nYes, Land leases are found in a variety of areas including Canada, Europe and the southwestern United States. Three of the better-known lease developments within the Chilliwack area include Promontory Lake Estates, Halcyon Meadows and the Stoney Creek retirement communities.\nWhat are the benefits of Leasing?\nLeasing enables the purchaser of an Englewood Village home the benefit of purchasing without the Land costs. Utilize the money saved in different areas in your investment portfolio.\nDoes a public roadway access the development?\nYes, Englewood Village is accessed from Keith Wilson Road and is 3 short blocks to Garrison Crossing shopping centre on Veddar Road. Keith Wilson Road is maintained by the City of Chilliwack.\nCan I garner financing from financial institutions for the purchase of a home in the development?\nAbsolutely, a variety of financial institutions have expressed the desire to provide financing for homebuyers within the development. Please see the development sales staff to receive information of those institutions that have created purchase and financing plans for the project.\nMay I receive legal advise prior to purchasing a home at Englewood Village?\nYes, your offer to purchase a home within the Village will be subject to your lawyer reviewing and approving the purchase documentation. A selection of law firms are available and experienced in legal agreements can offer you independent legal advise.", "domain": "finance"}
{"url": "http://www.morganmckinley.com.au/about/working-internationally/working-uae", "date": "2015-07-04T03:20:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-27/segments/1435375096301.47/warc/CC-MAIN-20150627031816-00035-ip-10-179-60-89.ec2.internal.warc.gz", "language_score": 0.9527548551559448, "token_count": 517, "dump": "CC-MAIN-2015-27", "global_id": "webtext-fineweb__CC-MAIN-2015-27__0__24130542", "lang": "en", "text": "The UAE comfortably leads the rest of the world in the net migration rate, proving that it is by far the first choice for professionals from a range of industries who want to work abroad. Although it was originally oil reserves that kick-started the region's economic boom, two decades of diversification have seen the UAE expand to become one of the most highly developed, fastest growing economies in the world.\nThe boom in sectors such as construction and financial services, coupled with changes in the laws of foreign ownership, have seen many of the world's leading companies look to establish themselves in the UAE, most notably in Dubai and Abu Dhabi. This is turn has led to excellent career opportunities in a number of industries for professionals looking to relocate to this region. The benefits of working in the UAE include tax-free income, a high standard of living and a warm climate.\nDubai in the United Arab Emirates has become one of the best options for professionals wanting to live and work abroad. There are many booming industries and sectors in the region, leading to excellent opportunities in a number of fields, including financial services. The quality of life for those opting to work in Dubai can be far better than elsewhere due to it being completely income tax free.\nAt Morgan McKinley, our experts in professional services recruitment abroad can help you secure the position you want in a number of cities worldwide, including Dubai. If you are considering moving to work in Dubai from Australia, contact us for the best employment options and advice.\nLiving in the UAE – Fast Facts\n- Dubai has a population of almost 1.25 million, with a reported male/female ratio of 73/27.\n- The currency in Dubai is the Dirham.\n- Dubai’s Burj Al Arab hotel is the world’s only seven-star establishment.\n- Foreign nationals comprise up to 90% of the population with many global companies having offices there.\n- Dubai’s working week is typically between 40 and 48 hours.\n- UAE is a tax-free country.\nVisa requirements in the UAE\nYou will require a visa to enter the UAE whether you are visiting for business or pleasure, or planning to live and work in the city. Visa options include visitor visa, transit visa or residence visa and labour card. You can find out more about visa requirements via the UAE Embassy website.\nThinking about moving to the UAE?\nIf you are considering working abroad, international recruitment specialists Morgan McKinley can give you advice and guidance on a number of locations worldwide, including Dubai.", "domain": "finance"}
{"url": "http://dianthus.co.uk/minimum-alcohol-pricing", "date": "2023-12-07T08:09:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100650.21/warc/CC-MAIN-20231207054219-20231207084219-00272.warc.gz", "language_score": 0.9703813195228577, "token_count": 1048, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__316891359", "lang": "en", "text": "Minimum alcohol pricing\nA lengthy article was published in the BMJ today about the decision the government made last year to abandon their previously-stated plans on minimum alcohol pricing. As you might expect from the BMJ, with their strident anti-industry agenda, the article claims this is all about a terrible conspiracy in which the evil drinks industry and the government collude together to put the interests of the evil drinks industry ahead of public health.\nThe reality, I believe, is a little more complicated than that.\nI should state straight away that I do not doubt that minimum alcohol pricing would have beneficial effects on public health. Alcohol causes a lot of harm. When people get drunk, they get into fights and have accidents. The long term consequences of over-use of alcohol include many diseases, most notably liver disease, but also many cancers.\nIt is an almost universal law in economics that if you put the price of something up, consumption goes down. How much it goes down may be open to debate, but it is inconceivable that putting the price of alcohol up wouldn't reduce consumption. So a minimum price for alcohol, if set above the market rate for the cheapest forms of alcohol, would undoubtedly reduce alcohol consumption, and it is likely that that would have beneficial effects on public health.\nSo, case closed then? Minimum alcohol pricing is a thoroughly good thing, and if the policy has been dropped, then that must be evidence of an evil conspiracy, right?\nWell, no. A policy such as minimum alcohol pricing does not magically affect public health in isolation without having wider consequences. It also has economic consequences, and the economic consequences of minimum alcohol pricing would be considerably less welcome than the public health consequences.\nTo explain the economic consequences of minimum alcohol pricing, it's time for some economics geekery. Here's a little graph.\nThis graph shows how minimum alcohol pricing, if set above the free market price, would affect consumption. (If you're not familiar with this kind of supply-and-demand graph, here's an excellent explanation on YouTube from economics lecturer Jodi Beggs.) The upward-sloping black line S represents the amount of alcohol that the drinks industry is willing to supply at different prices: the higher the price, the more it is worth their while to supply. The downward sloping green line D represents the consumer demand curve. The higher the price, the less alcohol consumers will want to buy. In a free market, supply and demand will be in equilibrium where those two lines cross. A quantity QF of alcohol will be consumed at a price of PF.\nNow consider what happens if a minimum unit price (PMUP) is set, which is above the free market price. The price is now constrained to be PMUP, and consumers will now only be willing to buy a lower quantity, shown as QMUP on the graph. (And if you want YouTube videos from Jodi Beggs again, she explains the concept of minimum pricing here and here).\nConsumers are now worse off, by an amount represented by the shaded area on the graph. The light green shaded area A represents how much they are worse off financially. They are paying more than they need to for the alcohol consumed, by an amount PMUP minus PF, for a quantity of alcohol QMUP. To see their overall loss, we must also add the light blue shaded area B. This is the loss of enjoyment as a result of the alcohol they are no longer drinking, which they would have liked to have drunk had it been at the original free market price.\nThe net result is that consumers are worse off, by the total shaded area A + B. The drinks industry may be better off, as a result of charging higher prices, or worse off if the loss of demand more than makes up for the higher prices, depending on how much sales are affected by the increase in price (the price elasticity of demand, to put it in economics terms).\nSo a minimum alcohol price would have public health benefits, but at an economic cost to consumers. But we ought also to consider the distributional effects.\nThe big problem I have with minimum alcohol pricing is not that it represents a cost to consumer per se, but that that cost does not fall equally across society. It is regressive. It disproportionately disadvantages the poor. It may be easy for middle-class health campaigners to forget this, as they sip a nice glass of Châteauneuf-du-Pape which would never be affected by minimum pricing anyway, but some people cannot afford expensive forms of alcoholic drinks. For some people on low incomes, their alcohol consumption may be entirely at the cheaper end of the market, and those people will be disproportionately disadvantaged by minimum alcohol pricing, even if they drink at a level which is not doing them any great harm.\nSo yeah, maybe the minimum alcohol pricing policy was dropped because of an evil conspiracy by the evil drinks industry (though bear in mind that minimum pricing might actually have increased their profits if the price elasticity of demand was low enough), but just maybe it was dropped for sensible economic reasons.", "domain": "finance"}
{"url": "http://bellcotheatre.com/event/details/worlds-fair-of-money", "date": "2018-06-24T11:12:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267866932.69/warc/CC-MAIN-20180624102433-20180624122433-00014.warc.gz", "language_score": 0.8507468104362488, "token_count": 183, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__115486230", "lang": "en", "text": "SIGN UP FOR OUR NEWSLETTER\nGet the latest news & updates from the Bellco Theatre.\nTue, Aug 1 2017 - Sat, Aug 5 2017\nSee $1 billion of rare coins and colorful currency national treasures including historic Colorado gold, a famous $3 million nickel and a U.S. Treasury Department display with $100,000 bills at the American Numismatic Association World’s Fair of Money®, a family-friendly educational event, August 1-5, 2017, in the Colorado Convention Center in Denver. More than 500 dealers will be buying and selling, and many will provide free, informal evaluations of the public’s old coins and paper money.\nWhen:Tuesday – Saturday, August 1-5, 2017\nHours: Tuesday, 1 – 5:30 pm; Wednesday – Friday, 10 am – 5:30 pm; Saturday, 10 am – 4 pm.", "domain": "finance"}
{"url": "http://publicservicesalliance.org/2018/02/07/blockchain-bitcoin-and-digital-credentials-in-higher-ed/", "date": "2018-02-24T06:27:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891815435.68/warc/CC-MAIN-20180224053236-20180224073236-00497.warc.gz", "language_score": 0.9539700150489807, "token_count": 554, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__129387914", "lang": "en", "text": "If we happened to be in Berkeley CA today, we might be able to attend an Ed Surge sponsored “Meetup” to discuss “Blockchain, Bitcoing, and Digital Credentials in Higher Ed.” If not, it’s live-streaming at 8pm MST here. Bitcoin is about half of the valuation, as of 2/7/18, but it changes every day; using it for tuition isn’t really groundbreaking for learning. Hopefully, the part PSA is most interested in, using Blockchain as a way to legitimize digital credentials, is less volatile.\nThat’s the “singularity moment” for online learning…when credentials for individuals finally escape being captive to large institutional gatekeepers of “graduation and degrees”, and similar official recognition of learning achievements. Rather, learning achievement would include all learning activities however eclectic and disperse in origin, such as online makes possible, and would be valid for employment.\nIOW, we are in the transition period from credentials based on a physical institution with standardized course lengths and formats, to a virtual location, where learning can be aggregated together independently of where it occurred. Say goodbye to transfer of credit hassles…but more to the point, take advantage of all the online learning can enable, which is, in many important ways, a thorough rethinking of what learning is, and how we do it.\nIn 2014, Kings College in New York became the first university in the U.S. to accept Bitcoin for tuition payments. But much has changed since then, including the value of Bitcoin itself, which skyrocketed to more than $19,000 in December and catapulted cryptocurrencies into the mainstream.\nA handful of other universities (and even preschools) now accept Bitcoin for tuition, but that’s hardly the extent of how blockchains and tokens are weaving their way into education: Educators and edtech entrepreneurs are now testing out ways to harness blockchain technology to verify learning as well as issue degrees and credentials.\nIn this meetup, EdSurge HigherEd will talk with experts (see below) about how blockchain technology is being explored and experimented with in higher education, in particular around credentialing. Join us for a panel discussion, networking and light refreshments as we discuss the risks, the hype, and what else you need to know about blockchain in higher education.\n- Phil Komarny, VP of innovation at Salesforce (formerly Chief Digital Officer at UT System)\n- Aparna Krishnan, UC Berkeley student and leader of Blockchain at Berkeley student group\n- Roberto Santana, Advisor to product and strategy at BitDegree (formerly Coursera)", "domain": "finance"}
{"url": "http://www.cossashelties.org/On%20Line%20Entry.htm", "date": "2013-05-20T20:28:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368699201808/warc/CC-MAIN-20130516101321-00069-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9190287590026855, "token_count": 174, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__64362085", "lang": "en", "text": "On Line Entry\nPlease note: No entry will be considered accepted until payment has been received. Payment for online\nentries can be paid at the bottom of this page. There is a $1.50 fee per entry included on all online entries.\nOnce you complete and submit your entries please return to this page to make payment.\nYou do not need a paypal account to pay through the shopping cart. You can pay using a credit card.\nSweepstakes classes should be entered under \"additional classes\".\nPlease remember if entering both days to change the quantity to 2 in the shopping cart for each class entered and update the cart before paying. You do not need a paypal account to pay through the shopping cart. Just choose the credit card option when prompted to do so.\nThank you for your entries!\nBack to Specialties Page", "domain": "finance"}
{"url": "https://baldivaluation.com/about", "date": "2022-11-26T08:46:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446706285.92/warc/CC-MAIN-20221126080725-20221126110725-00816.warc.gz", "language_score": 0.9493526816368103, "token_count": 944, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__86686404", "lang": "en", "text": "Baldi Valuation evaluates commercial property based on objective analysis, in-depth knowledge of local real estate markets, and well advised judgment. We value customer relationships and understand our clients need quick turnarounds and attentive customer service with every assignment. We believe in a positive work environment, where people get excited about real estate and serving the industry. We cover a geography that encompasses the State of Connecticut and Rhode Island. Assignments are considered in New York and Massachusetts on a case-by-case basis.\nOur difference is customer service and responsiveness. Considering the current economic climate, we understand that any reasonable advantage to successfully complete a transaction should be employed. That includes contracting with a responsive, professional, and objective commercial appraiser. Many of our lending clients would report that we have been an advantage, and a strongpoint, within their loan supply chain. We produce excellent work, and complete it on time, over and over again. Our clients have confidence in our turnaround times and quality, allowing them to get business done faster and more efficiently.\nWe provide independent valuations in accordance with the highest industry standards. Our clients often notify us that we have done an outstanding job for them, or that a borrower reported how the appraiser was responsive, respectful, and considerate. Our goal is nothing short of an outstanding review, and we do not tolerate late work, or work that is not absolutely first rate. All properties are inspected, and all valuations are carefully crafted by an MAI appraiser at our company.\nBaldi Valuation continually focuses on improving product quality, communication, and the overall customer experience. Our firm uses state of the art appraisal software and technology that provides competitive advantage in data management, report quality, and production capacity. Baldi Valuation has a mission to stay a leap ahead of the competition in areas of technology.\nAll employees at Baldi Valuation have graduated from leading business universities, such as the University of Connecticut. Employees are carefully selected based primarily on their character. In addition, all of our employees are currently working towards full certification and an eventual MAI designation. An MAI Designation denotes the highest level of valuation education and experience. Employees are required to get involved within the industry with respect to membership in trade organizations, board positions, and specialty education.\nPrior to founding Baldi Valuation, Mr. Baldi was employed at Italia and Lemp, Inc. for several years as a commercial real estate appraiser. At Italia and Lemp, he actively mentored and trained appraisers, and was one the primary appraisers for complex property appraisals.\nSome notable appraisals include Statehouse Square, CityPlace II, the G Fox department store building, 265 Church Street office tower in New Haven, the Dyno Nobel explosives plant in Simsbury, the former Springfield Armory in Springfield Massachusetts, and several of the largest parking garages in New Haven and Hartford. Mr. Baldi has strong experience with multifamily properties, with appraisals for scattered site portfolios of nearly 700 units.\nPrior to joining Italia and Lemp, Inc., he worked at the Connecticut Housing Finance Authority in the multifamily underwriting department and the multifamily asset management department. Mr. Baldi was also involved with the application process for low income housing tax credit (LIHTC) and tax-exempt bond financing programs.\nMr. Baldi has broad experience with multifamily, industrial, office, retail, and lodging property types, with his single largest valuation amounting to roughly $60,000,000 and several around the $50,000,000 mark.\nB.S. Degree in Business Administration, summa cum laude\nUniversity of Connecticut, Storrs, Connecticut\nMajor: Finance, Real Estate and Urban Economics\nCumulative GPA: 3.94/4.00\nThe Appraisal Institute\nMAI Designation No. 573416\nFully Licensed Certified General Appraiser in CT, RI, NY, MA\nLicensed Real Estate Broker in CT\nNational Association of Realtors (NAR)\nGreater Hartford Association of Realtors (GHAR)\nThe Real Estate Finance Association of Connecticut (REFA)\n2015 Voting Board Member, Connecticut Chapter of the Appraisal Institute\n2015 Chair of Public Relations, Connecticut Chapter of the Appraisal Institute\n2016 Treasurer, Connecticut Chapter of the Appraisal Institute\n2017 Second Vice President, Connecticut Chapter of the Appraisal Institute", "domain": "finance"}
{"url": "https://uk.nepalembassy.gov.np/trade-in-nepal/", "date": "2024-04-13T21:15:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816853.44/warc/CC-MAIN-20240413211215-20240414001215-00353.warc.gz", "language_score": 0.9673449993133545, "token_count": 350, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__152046543", "lang": "en", "text": "Foreign trade represented more than 50% of the Nepalese GDP in 2009. Although state policies have been modified with the changes of government, the country seems to be very eager to open its economy.\nAs a matter of fact, the Nepalese government is showing a special interest in establishing an export-oriented economy. Companies exporting more than 90% of their goods are exempted from custom duties, excise duties and sales taxes. However, there are major barriers to the development of trade, such as lack of skilled labor force, low level of advanced technology, difficult geographical accessibility, limited domestic market and high import duties (which can reach 140%).\nHistorically, for many years Nepal’s trade balance has been in deficit. Even if the exports have not been greatly hurt by the global economic crisis, the deficit has been deepening following an increase in imports.\nNepal’s main trading partners are India, China, Bangladesh, USA. The country mainly exports clothing, carpets, handicrafts, leather and jute products, vegetables and cereals Nepal imports oil and oil products, machinery & equipment and electronics.\nNepal had adopted liberal trade policy in 1992 and the new Trade Policy is announced in 2014. The foreign trade of Nepal is being directed towards wide range of countries in the world after Nepal became the member of WTO in 2004. Nepal has trade relation with more than 100 countries. Nepal has identified 19 selected items for exports through its National Trade Integration Strategy (NTIS) in 2010.\nNepal is facing a problem of ever increasing trade deficit. Import is rapidly increasing but the increase in export is very low. Nepal is facing trouble to take the advantage of globalization in trade.", "domain": "finance"}
{"url": "https://docs.aurigami.finance/public/protocol/liquidity-mining", "date": "2023-12-04T06:14:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100525.55/warc/CC-MAIN-20231204052342-20231204082342-00203.warc.gz", "language_score": 0.9431605935096741, "token_count": 379, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__212359307", "lang": "en", "text": "Comment on page\nThe liquidity mining program is designed in a way that liquidity provider interests are aligned with the protocol’s long-term success. It rewards early participants generously while ensuring that the circulating supply of our governance token PLY increases gradually. This is achieved by a progressive locking mechanism that encourages delayed gratification.\n- Allocation: 260,000,000 PLY\n- Duration: March 2, 2022 - May 5, 2022\nAt maximum, 5% of pre-mine tokens will be in circulation the first week after the token launch because of the Progressive Locking mechanism.\n- Allocation: 3,740,000,000 PLY\n- Duration: 52 weeks\n*Ecosystem Liquidity allocation is reserved for incentivizing Aurigami's liquidity growth via other platforms in the ecosystem. For example, vaults and integrations.\nEvery week, a portion of the PLY reward can be unlocked, while the rest will remain locked (as PULP).\nThe later the claim, the larger the percentage of PLY that will be unlocked. 76 weeks after the token launch, all PULP can be converted 1:1 into PLY.\nAlice mines 100 PLY by Week 1, including premine rewards. If she were to claim, she would receive 5 PLY and 95 PULP (5% PLY, 95% PULP).Alice continues to farm and mines another 50 PLY by Week 4. If she were to make another claim in Week 4, she would receive 5.5 PLY and 44.5 PULP (11% PLY, 89% PULP).\nBob mines 200 PLY by Week 48, including premine rewards. If he were to claim, he would receive 198 PLY and 2 PULP. (98% PLY, 2% PULP)", "domain": "finance"}
{"url": "https://www.cludenpark.com.au/what-s-on/news/racing-queensland-s-investment-growth-plan-receives-acceleration-boost/", "date": "2022-05-24T04:53:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662564830.55/warc/CC-MAIN-20220524045003-20220524075003-00483.warc.gz", "language_score": 0.9375130534172058, "token_count": 471, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__157232381", "lang": "en", "text": "More pages in this section\nRacing Queensland’s Investment Growth Plan Receives Acceleration Boost\nAn increase in racing prize money has been guaranteed to Cluden Park thanks to a change in funding from the Palaszczuk Government.\nThis week, the Palaszczuk Government announced changes to return 35% of the Point of Consumption tax back to Queensland’s racing industry, beginning 1 January 2022.\nThis has resulted in a total increase of $5.5 million in prize money across the racing industry, including thoroughbreds, greyhounds, and harness racing.\nCluden Park’s races will receive upwards of $1.5k-$2k increases in prize money per race.\nCluden Park’s committee chairman, Malcolm Petrofski, has high praise for the decision.\n“The announcement today around increased prize money is a good result for racing in Queensland,” said Petrofski.\n“The decision to give all in the industry a chance to benefit, by not allocating prize money increases to just one or two feature races, is a sound one.\"\nThe government’s decision compliments Racing Queensland’s recent provision of $150,000 to the local horse racing and event hire facility to upgrade their track lighting system.\nThe funding comes as a result of Racing Queensland’s recent facilities audit process.\nIt is expected that the new LED lighting will reduce Cluden Park’s carbon footprint and provide improved safety for industry participants, primarily the horses, trainers, and jockeys who make use of the track in the dark hours of the morning.\nThe upgrade has local jockey, Frank Edwards, in high spirits.\n“The new lighting is absolutely fantastic for the work we do on the track,” admitted Edwards.\n“The bright LEDs afford a better view of proceedings, which is important when you can have up to ten horses at a time working on the track.\n“Horses will be coming on and off during this time, and it’s great to now have this increased vision of the track ahead.”\nThe continued support of the industry from both government and governing bodies is a positive sign for the more than 12,500 Queenslanders employed in racing.", "domain": "finance"}
{"url": "http://www.firstbankbaldwin.com/site/inv.html", "date": "2014-08-30T10:09:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1408500834883.60/warc/CC-MAIN-20140820021354-00267-ip-10-180-136-8.ec2.internal.warc.gz", "language_score": 0.9328075051307678, "token_count": 257, "dump": "CC-MAIN-2014-35", "global_id": "webtext-fineweb__CC-MAIN-2014-35__0__206678811", "lang": "en", "text": "First Investments of Baldwin\nThe Harbour Investments Inc. strives to serve the needs of investors like you.\nHarbour Investments Inc.\nHarbour Investments Inc., member NASD, SIPC, a registered broker dealer, is not affiliated with First Bank of Baldwin. Securities and insurance products are offered through Harbour Investments Inc. and affiliated insurance agencies and are not insured by the FDIC, not a deposit or other obligation of, guaranteed by any bank, or subject to risks including the possible loss of principal amount invested.\nImportant Consumer Information:\nThis site is for informational purposes only and is not intended to be a solicitation or offering of any security\n- Representatives of a broker-dealer (\"BD\") or investment advisor (\"IA\") may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, the state; or (b) are excluded or exempted from the state's licensure requirements.\n- Representatives of a BD or IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation.", "domain": "finance"}
{"url": "https://www.poker2u.fun/privacy-policy", "date": "2024-02-22T23:09:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473871.23/warc/CC-MAIN-20240222225655-20240223015655-00040.warc.gz", "language_score": 0.9470036625862122, "token_count": 180, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__152680623", "lang": "en", "text": "Poker2u.fun treats the client's personal information with care. We will do all possible to protect your personal information and data. To complete payments, we retain the right to disclose relevant personal information to payment service providers, as well as financial and insurance organisations, via the website.\nAll personal information provided by members is transferred using 128-bit SSL encryption. They will also be kept in a safe location that cannot be accessed. Furthermore, all internal data access will be rigorously limited and controlled.\nAt the same time, we'll demonstrate how we handle consumer information. We are legally obligated to use your personal data, and we must have a compelling purpose to acquire it (as to why your personal data is collected, we have a description of a particular page). We'll let you know why we're collecting your data and whether or not we need to share it with anyone else.", "domain": "finance"}
{"url": "https://www.visauniversity.com/en/catalog/liveonline/payments-fundamentals", "date": "2021-12-05T00:08:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363125.46/warc/CC-MAIN-20211204215252-20211205005252-00020.warc.gz", "language_score": 0.9094334840774536, "token_count": 556, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__104250271", "lang": "en", "text": "New to payments or looking to strengthen your skills? Set yourself up for success by building a strong foundation of payments industry knowledge.\nYou’ll begin by exploring the payments landscape, where you’ll learn about the history and value of payments and how they work. You’ll discuss emerging payments models and see how issuers and acquirers can leverage new opportunities.\nYou’ll then receive an overview of operations as you dive into network processing, transaction use cases, billing and settlement and how to navigate Visa’s core rules. Next, you’ll discover why fraud matters, types of fraud and strategies issuers and acquirers can use to mitigate risk.\nThe course will conclude with a discussion on portfolio management, where you’ll learn more about getting into (and to the top of) customers’ digital wallets and how to measure your performance.\nUpon completion of the course, you’ll return to your role with the knowledge and skills you need to help build and evolve strategy in your organization, drive business growth and improve your personal performance.\n- The payments landscape (2 days)\n- Evolution of payments\n- Value of payments ecosystems\n- How payments work\n- Emerging trends, including real-time payments and cryptocurrency\n- Issuer strategy\n- Acquirer strategy\n- Operations (1.5 days)\n- Network processing\n- Transaction use cases\n- Billing, settlement and Visa Quarterly Operating Certificates\n- Rules and technology specifications\n- Fraud (2.5 days)\n- Fraud by channel\n- Issuer fraud management\n- Acquirer and merchant risk management\n- Fraud ecosystem tools\n- Portfolio management (1 day)\n- Acquiring new customers\n- Lifecycle management\n- Performance analysis\nWho Should Attend:\n- Individuals who are new to payments or who would like to strengthen their knowledge of the payments industry and key concepts and processes.\n- Individuals who are in the banking industry and new to payments.\n- All course sessions are listed in Pacific Time (PT). To convert to your time zone, click the clock icon next to the session listing.\n- Accompanying course participant guides will be provided for you to download.\n- Enrollment closes one business day prior to the session start date for virtual courses. You will not be able to enroll in a virtual course on the day of the session.\n- Register for any multi-day virtual course at least six weeks in advance and receive a 15% discount. Enter the code Save15 at checkout to receive this offer.\nMeet Our Experts\nLearn from skilled instructors with professional experience in the field.", "domain": "finance"}
{"url": "http://niceupyourarea.blogspot.com/2013/08/gm-cuts-chevy-volt-price-by-5000-to.html", "date": "2017-08-21T04:25:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886107490.42/warc/CC-MAIN-20170821041654-20170821061654-00396.warc.gz", "language_score": 0.9583019018173218, "token_count": 552, "dump": "CC-MAIN-2017-34", "global_id": "webtext-fineweb__CC-MAIN-2017-34__0__197161900", "lang": "en", "text": "General Motors cut the starting price of the plug-in hybrid sedan by $5,000 to compete against the less-expensive and better-selling Toyota Prius and Nissan Leaf.\nThe 2014 Volt, arriving in U.S. dealerships later this month, will start at $34,995, the Detroit-based automaker said today in an e-mailed statement. The price cut comes, in part, to make sure the Volt shows up in online shopping searches along with the Prius and Leaf, which start, respectively, at $25,010 and $29,650, including destination fees, GM said.\n“GM is getting with the times,” Michelle Krebs, a senior analyst with Edmunds.com, a website that tracks auto pricing, said in an e-mail. “Consumers want electric and plug-in hybrid vehicles at prices competitive with other vehicles without the advanced technology.”\nThe model, which is eligible for a $7,500 U.S. tax credit, was introduced in 2010. Volt is GM’s flagship car for its efforts to have about 500,000 vehicles on the road by 2017 with some form of electrification. The car can travel 38 miles (61 kilometers) on battery power before a gasoline engine engages.\n“We have made great strides in reducing costs as we gain experience with electric vehicles and their components,” Don Johnson, Chevrolet U.S. sales vice president, said in the statement\nWhile Volt sales rose 9.2 percent through July, deliveries slipped 3.3 percent last month. That followed a 53 percent gain in June when the average cost of incentives per Volt was $6,195, according to Edmunds, citing the most recent month with available data.\nLeaf sales accelerated this year after Nissan in January added an S version of the Leaf that’s cheaper than the SV and SL models. Unlike the Volt, the Leaf has no extended range engine. Leaf sales more than tripled to 11,703 through July from 3,543 during the same period a year earlier, outselling Volt in the U.S. by 60 vehicles.\nToyota’s Prius is the most frequently traded-in vehicle for a Volt, GM said in the statement.\nU.S. sales of the Prius were little changed through July with 143,508 deliveries. Those results include sales of a plug-in version of the Prius, which saw deliveries slip 8.3 percent, according to researcher Autodata Corp. The plug-in Prius starts at $32,810. Toyota also sells a subcompact Prius c that sells for $19,890.", "domain": "finance"}
{"url": "https://www.mindset-tools-help.com/edssbc/backup", "date": "2024-04-20T03:03:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817474.31/warc/CC-MAIN-20240420025340-20240420055340-00520.warc.gz", "language_score": 0.9286345839500427, "token_count": 111, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__148601928", "lang": "en", "text": "The microEDS system makes it possible to use the Backup services of Decision Makers. Backup takes place on a daily / weekly basis. As part of the backup, an orderly copy of the unit's database is transferred for storage on the company's cloud servers. Use of the backup services involves payment under a commercial agreement.\nActivating the backup allows the user to view the unit data continuously with the help of the company's EDS Client software. Use of the EDS Client software does not involve payment for customers who have purchased the backup agreement.", "domain": "finance"}
{"url": "https://www.goatgvl.org/donate", "date": "2023-09-21T14:58:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506028.36/warc/CC-MAIN-20230921141907-20230921171907-00093.warc.gz", "language_score": 0.9636638760566711, "token_count": 154, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__303920795", "lang": "en", "text": "Since 2009, GOAT (Great Outdoor Adventure Trips) has taken nearly 10,000 students on unforgettable adventures because of the generosity of our supporters. Currently, 30% of our funding comes through monthly supporters - a group of faithful donors we call “The Tribe.” Funny enough, a group of goats is referred to as a “tribe.” We are trying to increase monthly support from 30% of donations to 50%.\nMonthly giving allows us to plan better and allocate scholarships in advance. It allows us to tell a student that we know they can be a part of our program because The Tribe has made sure that we have the resources available for them. Would you prayerfully consider joining The Tribe?\nThank you for your generosity!", "domain": "finance"}
{"url": "https://stake.fish/en/cardano/", "date": "2020-03-31T17:08:41Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370502513.35/warc/CC-MAIN-20200331150854-20200331180854-00496.warc.gz", "language_score": 0.9514060616493225, "token_count": 554, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__131764755", "lang": "en", "text": "Cardano is a decentralized public blockchain evolved out of a scientific philosophy and a research-first driven approach. It uses Ouroboros, the first provably secure proof of stake algorithm. We are excited to support a project that is taking a scientifically rigorous approach to blockchain development.\nFrequently Asked Questions\nHere are answers to some of the questions our community members have asked us. Don't hesitate to reach out to us if you still have additional questions.\nCardano's Shelley era begins the road towards decentralization on Cardano. To test incentivization in a real-world setting, Cardano has created the Shelley incentivized testnet that will let delegators and validators (otherwise known as staking pools) earn real rewards.\nA snapshot of the mainnet was taken at 12:00 UTC on November 29, 2019. Anyone who had ADA in Daedalus or Yoroi wallet will receive testnet ADA that they can use to become a delegator or run a validator.\nAny of the staking rewards received will be transferred over to the Cardano mainnet after the Shelley incentivized testnet has concluded.\nCardano is a decentralized public blockchain evolved out of a scientific philosophy and a research-first driven approach. To learn more, please see their <url>whitepaper</url>.\nNew blocks on Cardano are proposed by validators. Validators typically have technical capabilities to put together a secure infrastructure that will be online 24/7 so that Cardano runs seamlessly.\nNot everyone is able to do this, and so they can participate indirectly by delegating the tokens they have to a validator. In a sense, validators are running a service for delegators. Validators would typically charge a fee to cover their operational costs.\nOnce you delegate ADA, you are helping secure the network. For assisting in this, you get part of the rewards provided by the protocol. If you are planning to hold on to ADA for some time, delegating will help you accumulate more ADA while contributing to the health of the network.\nYou are not giving away ownership of ADA by delegating. We will never have the ability to move your ADA as a validator.\nWe charge 4% on the block rewards received by our delegators. For example, if a delegator receives 100 ADA as a reward, stake.fish will receive 4 ADA while the delegator will get 96 ADA. We offer one of the lowest fees of the strong proven validators.\nIf you have any questions about staking or our validator services, please do not hesitate to reach out to us. We are happy to talk with anyone and help navigate community members through this exciting new ecosystem.Get in Touch", "domain": "finance"}
{"url": "http://econtechegypt.com/divisions/mep/elipse", "date": "2023-11-28T08:48:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679099281.67/warc/CC-MAIN-20231128083443-20231128113443-00477.warc.gz", "language_score": 0.94743412733078, "token_count": 370, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__175980267", "lang": "en", "text": "It is more than 50 years since LOGSTOR developed the technology behind trail-blazing district heating solutions that revolutionised the energy sector – and continues to set new standards to this day. As the leading manufacturer of preinsulated pipe systems in the world, requirements on LOGSTOR’s energy-efficient products are sky high. Production is distinguished by peerless sector experience backed by constant innovation at the cutting edge of the latest technology.\nThis ensures LOGSTOR’s customers an investment in the most energy-efficient and sustainable transport of liquids and gases for district heating and cooling and for the shipping, oil and gas industries.\nLOGSTOR’s head office is located in Løgstør, Denmark, and the company employs around 1,200 people in 12 different countries. Production is carried out at the group’s eight factories in Denmark, Finland, Poland, Romania and Sweden.\nLOGSTOR is fully owned by Triton Fund III. The Triton funds invest in and support the positive development of medium-sized businesses headquartered in Northern Europe – with a focus on companies in Austria, Denmark, Finland, Germany, Italy, Norway, Spain, Sweden and Switzerland. Within this European region, Triton focuses on businesses in the Industrial, Business Services, and Consumer/Health sectors.\nFounded in 1997, Triton seeks to contribute to the building of better businesses for the longer term. Triton and its executives wish to be agents of positive change towards sustainable operational improvements and growth. The 29 companies currently in Triton’s portfolio have combined sales of approximately € 13.8 billion and over 59,000 employees.\nThe Triton funds are advised by dedicated teams of investment professionals based in Germany, Sweden, United Kingdom, Luxembourg and Jersey.", "domain": "finance"}
{"url": "http://www.moneyplanningwichita.com/", "date": "2017-10-17T20:10:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187822488.34/warc/CC-MAIN-20171017200905-20171017220905-00718.warc.gz", "language_score": 0.9262228608131409, "token_count": 132, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__34022129", "lang": "en", "text": "Wichita, KS Financial Planning Services\nBaxter & Associates, Inc.\nWelcome to Baxter & Associates, Inc. of Wichita, KS. We have been assisting people achieve their financial goals for over 40 years. Don Baxter, CFP and Mickey Ellison, CFP are always ready to give their professional service. We assure our clients satisfaction. Be one of our satisfied customers.\nAbout Baxter & Associates, Inc.:\n- 40 years of experience\n- Financial planning services\n- Professional and reliable service\nWe are located southeast of 21st and K-96 intersection.\nContact Baxter & Associates, Inc. today at 316-652-0101.", "domain": "finance"}
{"url": "https://appsmasterbuilder.com/2019/09/09/money-leaks/", "date": "2024-02-28T15:24:01Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474737.17/warc/CC-MAIN-20240228143955-20240228173955-00712.warc.gz", "language_score": 0.9597546458244324, "token_count": 480, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__135040703", "lang": "en", "text": "How To Stop Money Leaks\nPeople are always trying to save money, especially with today’s economy.\nThe price of everything has gone up, requiring people to be more conscientious about money. The problem is that by the time the mortgage, car, utilities, and credit cards are paid, there is little money to put aside. Saving money is not that hard, just a matter of learning all the different options and being creative.\nIn addition to the obvious of putting money into a retirement fund or savings account, there are hundreds of ways to save money. Although some ways of saving may not seem like much, once you add them up at the end of the year, you will see how substantial the savings really are.\nKeep in mind that saving is more than a single lump sum of money put aside. Saving is something found in your everyday life by the way you live and the choices you make.\nRome was not built in a day and neither will your bank account be. Each penny saved is one more penny than before. If you have the ability to save big, that is great. However, most people are not in that position, which is why this e-book will show you how little savings can add up quickly.\nBe encouraged that it is never too late to start saving, regardless of your age. Set your mind that now is the time to start building your future.\nImagine you have a huge water pot. Each morning you fill that water pot to the brim with lovely refreshing clean water HOWEVER you don’t realize that the water pot has numerous leaks in it.\nOf course… During the day that water pot slowly runs empty because of all of the leaks. You come home from work dying of thirst and you go to your precious water pot and it’s dry.\nSadly this is what we do with our money too… Unless we find ways to save it our financial life resembles very much that of the water pot.\nUnless we plug the leaks there will come a day when we need to buy something but the money pot will be dry.\nIt all starts with plugging the biggest leaks first…\nPlug just one big leak and that will keep the water and money pot fuller for longer. Manage to plug a few other leaks and your money pot will not be empty when you need it most.", "domain": "finance"}
{"url": "http://support.versum.com/support/solutions/articles/24000041264-how-to-enable-prepayments", "date": "2019-08-22T05:37:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027316783.70/warc/CC-MAIN-20190822042502-20190822064502-00086.warc.gz", "language_score": 0.8495126366615295, "token_count": 266, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__36332808", "lang": "en", "text": "Once you enable the feature of prepayments, you will be able to enter information about your clients' prepayments into the system. The information will be visible when adding and editing an appointment and in the customer record. The revenue from prepayments will be accounted for in your financial reports.\nIn order to enable prepayments:\n- Log in as an administrator\n- Click settings in the main left sidebar\n- Click the prepayments button:\n- Click the enable prepayments button in the right upper corner:\n- Configure the prepayments settings:\n• Default prepayment amount - set the defulat prepayment amount for all services in your salon. You can select a percentage or a fixed amount. You will have the possibility to set exceptions for particular services when adding a new service or editing an existing one.\n• Minimum prepayment amount - choose whether you want to set a minimum prepayment amount that will apply to all services and if so, specify the minimum amount.\n• Round prepayment amounts down to the nearest whole number - determine whether prepayment amounts should be rounded down to the nearest whole number. This function may be particularly useful if you set the defult prepayment amount as a percentage.\n- Click save changes.", "domain": "finance"}
{"url": "https://dimartinodental.com/insurance-financing/", "date": "2024-02-27T01:01:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474669.36/warc/CC-MAIN-20240226225941-20240227015941-00110.warc.gz", "language_score": 0.9565192461013794, "token_count": 274, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__94560430", "lang": "en", "text": "Insurance & Financing\nAt Dr. Mark DiMartino, D.D.S, we firmly believe that you deserve top-of-the-line dental care available. Therefore, we provide several services and high-quality procedures to meet all your dental needs.\nHowever, many people refrain from going to the dentist citing financial concerns. It is a misconceived notion that dental care is always expensive. We do everything in our power to provide affordable dental care for all. We accept most Excellus plans, a few of them are:\n- Blue Select\n- College Blue\n- Dental Blue Options\n- Medicare Advantage\n- Smile Saver\n- Simply Blue Plus Dental\nWe accept care credit as payment too. Care credit is a simple healthcare credit card that you can use to pay for your medical and dental needs. Once the payment is made, care credit will generate a suitable monthly payment plan through which you can pay it back.\nCash and Credit Card\nIf you don’t have insurance or care credit, you can always visit us at Dr. Mark DiMartino, D.D.S, and we’ll chart out a solution for you. You can pay according to the treatment you receive, and the time it takes to complete it. We also accept credit cards as payment for your dental services.", "domain": "finance"}
{"url": "https://alabamaplanning.org/event/strong-towns-workshop/", "date": "2024-04-16T10:05:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817081.52/warc/CC-MAIN-20240416093441-20240416123441-00430.warc.gz", "language_score": 0.896614134311676, "token_count": 810, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__60828240", "lang": "en", "text": "- This event has passed.\nStrong Towns Workshop\nApril 15, 2015 @ 8:00 am - 4:00 pm$25\nThe Strong Towns Workshop covers Strong Towns Thinking, the predicament of funding, the finance of places, and understanding transportation and mobility.\nStrong Towns is a non-profit, non-partisan organization that helps America’s towns achieve financial strength and resiliency.\nThey travel the nation to promote a complete understanding of the costs that are associated with our communities’ methods of growth, and they advocate to address those costs via productive changes in our pattern of development.\n- 8:00 am-8:30am Registration\n- 8:30 AM – Workshop Opening and Introductions\n- 8:45 AM – Introduction to Strong Towns Thinking\n- 9:00 AM – The Predicament of Funding\n- Financing Growth\n- Funding Transportation\n- 10:30 AM – Break\n- 10:45 AM – The Finance of our Places Overview:\nLocal government decisions are dominated by our desire to experience growth and create jobs, but what if these short term objectives are undermining the long term health of our cities? This session explains how the way we currently build and finance cities provides an “illusion of wealth” but creates enormous long term liabilities. Participants will learn how local governments can make high return investments and update methods for evaluating the financial viability of a project.Topics Covered:\n- How horizontal growth creates an illusion of wealth for local governments, providing nominal, near-term, financial gains in exchange for enormous, long-term financial obligations.\n- How to identify a financially productive place, one that produces more wealth for the community than it requires in services and subsidies.\n- How to calculate the public’s return on investment, the actual dollars that the local government will have returned to it for the dollars that it commits to a project.\n- Developing an understanding of salvage value and how it is properly applied in the context of a local government project.\n- How grants, low interest loans and public/private partnerships impact the long term viability of a project.\n- How to build a strong tax base using an incremental public investment strategy that blends low risk / stable return investments with low risk / high return speculation.\n- 12:15 PM – Lunch\n- 1:00 PM – Shared Values: Understanding Transportation and Mobility\nInvestments in transportation have long been synonymous with economic growth and job creation. While this was often the case in the early days of highway building, that correlation is no longer guaranteed, especially at the local level. With road maintenance liabilities overwhelming federal, state and local budgets, a more strategic approach is needed. By understanding the difference between a road and a street, local governments can spend less money and attain better results, improving their financial health.Topics Covered:\n- A brief history of highway engineering, particularly as it applies to construction of local projects.\n- An introduction to the concept of a stroad, a street/road hybrid, and why a stroad is expensive to build, unsafe to use and financially low yielding.\n- How to build high performance roads.\n- How to build streets that create significant financial value for a community.\n- An understanding of congestion and how it signals different things for roads and streets.\n- How cities can respond to congestion on a limited budget.\n- Understanding how the concept of a “Complete Street” fits into a financially productive road/street strategy.\n- 3:15 PM – Wrap Up\n- 4:00 PM – Workshop End Time\n6.0 CM credits are available for this event.\nRegistration / More Information\nTo register, visit RPCGB’s website.\nRegistration is $25, which includes lunch. Registration is $225 if seeking CAPZO credits.\nPayment must be received by April 10.", "domain": "finance"}
{"url": "http://www.datastackenterprises.com/transactional-compliance/", "date": "2019-11-20T04:17:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496670448.67/warc/CC-MAIN-20191120033221-20191120061221-00496.warc.gz", "language_score": 0.9362088441848755, "token_count": 451, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__72501466", "lang": "en", "text": "In Data Stack Enterprises, we provide professional tax consulting, advisory and accounting Services Company offering a wide range of taxation and accounting services such as Corporate Tax planning, tax filing, tax auditing, investment plans, account maintenance, account book keeping, preparing balance sheets, profit and loss statement and financial advisory services.\nThe Indian taxation environment is ever changing and can be challenging for any business. Our main focus is to identify opportunities for our clients that can help them to manage their affairs in the most tax efficient manner.\nWe provide the following services :\n- Tax planning services and tax consultancy services which includes international taxation, Indian direct tax consultancy to corporate clients, Indian resident individuals and NRI’s, transfer pricing, double taxation avoidance agreements(DTAA), etc.\n- Tax compliance\n- Tax representation\n- Miscellaneous tax assistance\nDespite the various reforms carried out in the past few years, the prevailing Indirect tax regime in India is still in the state of evolution. It comprises plethora of laws, rules and regulations at the central and the state level. At its present structure, it poses unique challenges to business organisation and often have significant impacts – on cash flow, absolute costs and risk exposures.The Government is striving continuous changes in the Indirect Tax Laws to make it more assessee friendly. Proposed implementation of GST is an active step to integrate all indirect tax laws (Central Excise Duty, Customs Duty, Central Sales Tax, Value Added Tax (VAT) and Service Tax) under one law. In this direction, major step has been taken by introducing Negative List based Service Tax Regime which is being considered as significant move towards smooth transition to GST. We, at Data Stack Enterprises, have dedicated team of experts providing multidimensional professional services in various Indirect Tax Laws. Our team gives you the perspective and support to manage indirect taxes more effectively and efficiently.\nWe provide services for.,\n• Software Technology Parks of India, STPI\n• Central Excise and Customs Act\n• Import, Export Code Number\n• Shop Act, MSME Act\n• Service Tax\n• Provident Fund and Miscellaneous Provisions Act\n• ESIC Employee State Insurance Corporation\n• Special Economic Zone Act 2005- SEZ –IT Companies", "domain": "finance"}
{"url": "https://akashmitra.com/articles/7-using-vix-to-determine-short-term-nifty-ranges", "date": "2023-10-02T05:38:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510967.73/warc/CC-MAIN-20231002033129-20231002063129-00803.warc.gz", "language_score": 0.8756499290466309, "token_count": 947, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__107143933", "lang": "en", "text": "VIX or Volatility index essentially defines the statistical boundary for NIFTY in the future. Precisely, a value of VIX indicates that NIFTY is likely to remain within the VIX percentage in the next 1 year with 67% probability (that is within 1st standard deviation). For example, if NIFTY is at 10,000 and VIX is at 15, this means that NIFTY is likely to remain within 8,500 to 11,500 in next 1 year, with 67% probability.\nIt is, however, possible to use VIX to determine the short term ranges for NIFTY as well, say for next T = 7 days. For that, the VIX range will need to be scaled with square root of (TD/T), where TD = total available trading days in 1 year and T = duration of the shorter term.\nThis study attempts to use this technique to determine the short-term NIFTY ranges and then compare them with actual data to determine the effectiveness of using VIX for short term range prediction.\nWe will conduct a study for approximately 34 months of data, starting from January 2020. We will try to use VIX to predict the ranges of NIFTY in the next T = 7 days. Let's begin.\nimport math from nsepy import get_history from datetime import date from numpy import ceil # Get all daily nifty price data since January 2020 nifty = get_history('NIFTY', start=date(2020, 1, 1), end=date(2022, 10, 24), index=True) # Get the VIX data for the same period vix = get_history('VIX', start=date(2020, 1, 1), end=date(2022, 10, 24), index=True) # Add the VIX in same dataframe nifty['vix'] = vix['Close'] # Now, we will calculate PERIOD = 7 day range of # NIFTY for any given day PERIOD=7 variance = nifty['vix']/math.sqrt(252/PERIOD) / 100 nifty['pred_range'] = nifty['Close'] * variance # And predict max and min values of NIFTY on the 7th day. # There is 67% chance (first Standard Deviation) # that NIFTY will remain in this range. nifty['pred_min'] = ceil(nifty['Close'] - nifty['pred_range']) nifty['pred_max'] = ceil(nifty['Close'] + nifty['pred_range']) nifty\nLet's see what we got so far -\nAs you can see above, for each day, the last 2 columns (pred_min and pred_max) tells you the minimum and maximum of NIFTY values expected within the next 7 days.\nNow, we need to see if NIFTY actually remained within this predicted range in next 7 days.\n# Now let's add the actual max and min # values of NIFTY in the next 7 days nifty['act_min'] = nifty['Close'] .rolling(PERIOD, 1).min() nifty['act_max'] = nifty['Close'] .rolling(PERIOD, 1).max() # So, how many times do NIFTY # breach the VIX boundary? Let's find out. nifty['breached'] = nifty['act_min'].le(nifty['pred_min']) | nifty['act_max'].ge(nifty['pred_max']) # calculate how many times breached occurred nifty['breached'].sum() * 100 / nifty['breached'].count()\nThe answer that comes out is - 28.82%.\nIn other words, NIFTY remains within the predicted range in 100-28.82 = 71.18% of days.\nThis result is slightly better than the expectation. Since VIX represents z-score corresponding to 1st Standard deviation, I was expecting NIFTY to remain within the range for 67% of cases. As it appears, NIFTY was actually within the range for ~71% of cases.\nPlease note that the above result is based on the NIFTY's Closing price. It is possible that NIFTY have breached more than that if we perform the analysis based on intraday low/high prices.\nNext, let's try to find the effectiveness of VIX for multiple short term periods and over the years.", "domain": "finance"}
{"url": "https://www.rockwoodbank.com/loans/", "date": "2019-06-18T15:13:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627998755.95/warc/CC-MAIN-20190618143417-20190618165417-00083.warc.gz", "language_score": 0.9480285048484802, "token_count": 418, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__97508808", "lang": "en", "text": "Do you want to fulfill a dream? Do you have a short-term opportunity? Are you doing some long-range planning? Put our experience to work when you need a loan for any reason.\nWe invest in local businesses and individuals with loans and we employ local people. Decisions are made in our community so there is no waiting for answers from across the region or country. Whether you’re buying a home or a business, it helps to work with someone who knows the area.\nRockwood Bank provides loans of all sizes to help meet your financial goals. As a community bank, we are investing in your family, your work and your life. We will be there every step of the way as your trusted financial partner.\nOur Loan Officers are here to meet your mortgage, personal and business loan needs. They will be glad to help you through the borrowing process. Because we approve loans locally with an easy mortgage application process, we can offer the kind of personal attention you deserve, along with a wide range of services to fit all of your financial needs.\nTypes of Loans\nReal Estate Loans (Short-term & Long-term fixed rates)\nOur real estate loans can assist you with your real estate purchase or refinance. For more information, visit our Mortgage Center.\nHome Equity Loans/Lines of Credit\nIf you need money for education costs, home repairs, remodeling, our Equity Line of Credit may be the solution.\nHome Improvement Loans\nOur real estate loans can assist you with your real estate purchase or refinance.\nOur construction loans are simple and convenient. The loan disbursement process is managed internally for better customer service.\nWe offer competitive rates and terms on our business loans that are tailored to meet your specific needs.\nPersonal Installment Loans\nRockwood Bank will always try to help make your dreams come true.\nPut yourself in the driver's seat when you're ready to purchase a vehicle.\nCertificate of Deposit Loans\nYou can borrow against your Rockwood Bank fixed-rate Certificate of Deposit.", "domain": "finance"}
{"url": "http://chathamrepublicans.com/contributions.shtml", "date": "2017-04-27T05:13:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121869.65/warc/CC-MAIN-20170423031201-00034-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9302160739898682, "token_count": 268, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__41940496", "lang": "en", "text": "CHATHAM REPUBLICAN TOWN COMMITTEE\nNORTH CHATHAM, MASSACHUSETTS 02650\nContributions to political committees in Massachusetts are subject to maximum amounts set by law. Campaign donations are not tax deductible. Limits are as follows (all limits are for a calendar year):\n- The maximum amount an individual (other than a registered lobbyist whose limit is $200) may donate to the Chatham Republican Town Committee (CRTC) $5,000, with an aggregate limit on contributions by an individual (including registered to lobbyists) to all state, county and local committees of $5,000 per year (per party).\n- Corporate contributions are prohibited.\n- The CRTC must maintain detailed records of all contributions, including the name and residential address of contributors. The CRTC must also obtain the occupation and employer of those who give $200 or more in a calendar year.\n- An individual making a contribution to the CRTC attests he or she is making this contribution with his or her own personal funds which will not be reimbursed by another person, corporation or other entity.\nYou may also donate to us online securely and quickly by clicking on the Donate button on our home page labeled \"DONATE NOW.\"\nThank you for your support of our efforts.", "domain": "finance"}
{"url": "https://crm.mennohomes.com/node/2", "date": "2020-02-18T16:55:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875143784.14/warc/CC-MAIN-20200218150621-20200218180621-00260.warc.gz", "language_score": 0.9374657273292542, "token_count": 110, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__169030208", "lang": "en", "text": "Add a Pledge\nIf you have received pledges by cash or by cheque, you can record them here. Please enter the donor's name for easier tracking of pledges.\nNote - their name will not appear on the honour roll. If you would like to do so please contact me at email@example.com and I can enter the information directly to the website.\nIf a donor has donated online by credit card, the donation automatically shows on your personal page, and there is no need to enter the details here.", "domain": "finance"}
{"url": "https://protectingyourpocket.blog.palmbeachpost.com/2015/10/19/scammers-posing-as-card-issuers-of-new-computer-chip-cards/", "date": "2020-01-21T21:03:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250605075.24/warc/CC-MAIN-20200121192553-20200121221553-00531.warc.gz", "language_score": 0.9349656701087952, "token_count": 373, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__55237040", "lang": "en", "text": "Millions of consumers haven’t received their new “chip cards,” and now scammers are taking advantage of the situation, the Federal Trade Commission said today.\nCredit and debit cards with computer chips — small metallic squares — are being issued to replace outdated, magnetic-strip cards. The newer technology is more secure as the chip creates a unique transmission code each time the card is used for payment.\nHere’s how the scam works, the FTC says: Scammers are emailing people, posing as their card issuer. The scammers claim that in order to issue a new chip card, you need to update your account by confirming some personal information or clicking on a link to continue the process.\nIf you reply to the email with personal information, the scammer can use it to commit identity theft. If you click on the link, you may unknowingly install malware on your device. Malware programs can cause your device to crash, monitor your online activity, send spam, steal personal information and commit fraud.\nHere’s how to tell if you’re being scammed, the FTC says:\n- There’s no reason your card issuer needs to contact you by email — or by phone, for that matter — to confirm personal information before sending you a new chip card. Don’t respond to an email or phone call that asks you to provide your card number. Period.\n- Still not sure if the email is a scam? Contact your card issuers at the phone numbers on your cards.\n- Don’t trust links in emails. Only provide personal information through a company’s website if you typed in the web address yourself and you see signals that the site is secure, like a URL that begins https (the “s” stands for secure).", "domain": "finance"}
{"url": "http://www.uwc2c.com/faq.html", "date": "2017-03-24T19:50:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218188553.49/warc/CC-MAIN-20170322212948-00201-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9572893381118774, "token_count": 810, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__173518057", "lang": "en", "text": "The Coas2Coast card can save you up to 75% on prescriptions as well as up to 60% on dental care in many locations. You can also save up to 50% on eye care needs including glasses and contact lenses at participating vision care providers. Save on hearing needs including a free initial hearing exam and discounts of 35% off the price of hearing aids with participating providers Cardholders can save up to 70% on their diabetes supplies by ordering online. You just might be able to save on veterinary services for your pets. To find out more information about these services or to locate a provider in your area, call toll free 1-800-931-8872.\nThe card is not insurance nor is it designed to replace insurance. The program has been designed to help those uninsured and under-insured save on health related costs. A cardholder that is covered by health insurance will probably receive the greatest benefit by using his or her health insurance prescription card. Only one card can be used when filling a prescription so the Coast2Coast card cannot be used along with insurance - but it does pay to compare cards.\nYes, occasionally. There are more than 60,000 drugs covered by this discount prescription card. In the event that a health insurance prescription plan does not provide coverage for a particular drug, it is likely that the Coast2Coast card will provide a discount for that drug - so always check before your pay.\nOne card can be used to provide benefits for the entire family but if you prefer each member of your family can have their own card since the cards are free and there is no cost for you to use a card.\nCoast2Coast provides a benefit that gives back in many ways. From its inception, Coast2Coast was developed on a business model and philosophy of giving back part of their proceeds to support local community needs and provide additional funding solutions to help address gaps in services. This partnership model provides a $1.25 donation to the participating United Ways that have joined our partnership for investment in their community work each time the card is used to fill a prescription in their community. Coast2Coast is proud to offer this partnership that not only provides access to affordable medicine with the goal of improving both consumers' health outcomes and their personal finances but also creates revenue to support vital community programs and services.\nFinancial Marketing Concepts, Inc., of Ponte Vedra Beach, FL is the parent company of the Coast2Coast Rx card and has been in the benefit programs market for more than twenty-five years.\nThe Coast2Coast card can help save you money on prescriptions, vision, dental and other health related services. There is no application or paperwork to complete and no health questions will be asked.\nWhat pharmacies accept the card?\nThe Coast2Coast card is free and is easy to use. Just resent the card at your pharmacy or other health provider to see if you can reduce your costs. Visit the Pharmacy Locator section to view a list of participating pharmacies in your area.\nCopyright © Coast2CoastRx\nThis is NOT insurance. Discounts are only available at participating pharmacies. By using this card you agree to pay the entire prescription cost less any applicable discount. Savings may vary by drug and by pharmacy. The program administrator may obtain fees or rebates from manufacturers and/or pharmacies based on your prescription drug purchases. These fees or rebates may be retained by the program administrator or shared with you and/or your pharmacy. Prescriptions purchased through this program will not be eligible for reimbursement through Medicaid, Medicare or any other government program. This program does not guarantee the quality of the services or products offered by individual providers. We do not sell your personal information. Call the member toll-free number on the front of the ID card (1-800-931-8872) to file a complaint related to this program. Note to Texas consumers: You may contact the Texas Department of Insurance if you remain dissatisfied.", "domain": "finance"}
{"url": "https://www.fmfr.com/logix-2/", "date": "2024-02-23T21:26:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474445.77/warc/CC-MAIN-20240223185223-20240223215223-00133.warc.gz", "language_score": 0.9344860315322876, "token_count": 200, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__23052420", "lang": "en", "text": "FM Resource Management\n“We have used FM Resource Management for several years to help control access to our fuel and provide us with required data to obtain State and Federal tax rebates. They’ve always been very helpful and responsive.”\n– Manager of Commercial Financial Operations\nDo you believe you are losing money either with insufficient inventory control or perhaps even theft?\nHave you deployed a secure way to track your fueling expenses in your yard or on your bulk tank?\nHow are you tracking your fuel purchases and related costs?\nFM Resource Management can provide your business comprehensive data management services to assure your minimizing costs. FM Resource Management is your solution for a total fuel management system:\n- Limited capital expenditure for your company\n- Potential to save your company money\n- Collection of key data with a few strokes on a keyboard\n- Overhead reduction\n- Enables real time reporting to decrease tax exposure from dyed diesel fuels sales and usage\n- Compliance with state and federal agencies.", "domain": "finance"}
{"url": "https://bwg.ee/en/insurance/", "date": "2024-02-24T20:14:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474544.15/warc/CC-MAIN-20240224180245-20240224210245-00200.warc.gz", "language_score": 0.939639687538147, "token_count": 520, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__192599512", "lang": "en", "text": "Do you need to transport valuable goods but aren’t sure whether they’ll be insured for their full value?\nBelow is an overview of what your goods will be covered for and what you’ll need to take out extra insurance for. Don’t worry – it isn’t expensive at all!\nWe’ll do our best to make sure your goods reach the client intact and on time. Unfortunately, goods transport is never 100% risk-free, which is why it’s important to know that the haulier’s liability is limited.\nIf goods are lost or their value is reduced, this is covered by the haulier’s liability insurance, which is directly linked to the type of transport and the gross weight of the goods being transported, as follows:\n*Road transport – up to 8.33 SDR per kg\n*Sea transport – up to 2.00 SDR per kg\n*Air transport – up to 19.00 SDR per kg\nIn addition to caps on compensation, haulier’s liability only covers damage resulting from the fault of the haulier. The haulier is not liable for damage arising from unavoidable circumstances, such as theft.\nIn the case of lightweight and/or valuable goods, we definitely recommend taking out full freight insurance.\nThe price of full freight insurance takes into account the route, the type of goods, the type of transport, packaging and the cost of the goods.\nFor example, a 200 kg pallet holding €7000 worth of goods is covered with haulier’s liability insurance up to €2000.\nThe cost of the insurance in this case would be just €25.\nTransporting of television sets, on a pallet weighing 200 kg, to a value of €7000. The cost of the insurance in this case would be just €25.\nTransporting of an Iglucraft cabin to Spain, weighing 900 kg and valued at €6500. The cost of the insurance in this case would be just €15.\nTransporting of production equipment from Estonia to Italy, weighing 4353 kg and valued at €85,000. The cost of the insurance in this case would be €131.\nTransporting of furniture to Norway, weighing 500 kg and valued at €5600. The cost of the insurance in this case would be just €15.\nFor a personal offer on insurance, e-mail email@example.com or call +372 5837 1036.", "domain": "finance"}
{"url": "https://mnogo-it.ru/konstantin-vladimirovich-tserazov-april-growth-will-be-supported-by-high-prices-for-oil-and-metals/", "date": "2023-09-30T18:59:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510707.90/warc/CC-MAIN-20230930181852-20230930211852-00668.warc.gz", "language_score": 0.9282128214836121, "token_count": 779, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__149825867", "lang": "en", "text": "In the world of global economics and financial markets, every move is scrutinized and analyzed for potential trends and outcomes. In this context, the insights provided by experts hold significant weight, and one such expert, Konstantin Vladimirovich Tserazov, has recently shed light on the upcoming April growth that is expected to be bolstered by the soaring prices of oil and metals.\nMr. Tserazov, a renowned economist and market analyst with years of experience in tracking and predicting market behavior, has offered valuable perspectives on the current economic landscape. His observations suggest that the growth trajectory anticipated for the month of April is not just a result of organic market forces, but rather, it is to a large extent influenced by the notable surge in oil and metal prices.\nOil Prices: A Driving Force\nOil, often referred to as the lifeblood of the global economy, has consistently demonstrated its ability to impact various sectors. According to Konstantin Vladimirovich Tserazov, the recent uptick in oil prices can be attributed to a combination of factors, including geopolitical tensions, supply chain disruptions, and increasing demand as economies recover from the impacts of the pandemic, more here https://vechor.ru/news-today/konstantin-vladimirovich-tserazov-april-growth-will-be-supported-by-high-prices-for-oil-and-metals.\nMr. Tserazov’s analysis indicates that as oil prices rise, countries heavily reliant on oil exports experience improved economic conditions, translating into increased fiscal space for development and investments. This, in turn, contributes to the overall positive outlook for the global economy in the coming month.\nMetals Market: A Parallel Boost\nMetals, another critical component of economic activity, are also expected to play a pivotal role in the impending growth. Konstantin Vladimirovich Tserazov notes that the demand for metals, ranging from industrial applications to technology manufacturing, has surged remarkably. This surge is intertwined with the ongoing shift towards sustainable energy solutions, which require substantial amounts of metals like copper and lithium.\nThe increased demand for metals, combined with supply constraints due to various factors, has led to a rise in metal prices. This price surge not only benefits mining companies but also contributes to economic growth by stimulating related industries and sectors.\nThe Intersection of Factors\nAs Konstantin Vladimirovich Tserazov points out, the synergy between rising oil and metal prices creates a favorable environment for economic growth in April. The improved economic conditions of oil-exporting nations, coupled with the vibrancy of the metals market, result in a scenario where multiple economic indicators align to indicate positive growth prospects.\nIt’s important to note that while these factors are indeed influential, market dynamics are complex and multifaceted. Various external events and unforeseen circumstances could potentially impact the predicted growth. Nonetheless, the insights shared by Mr. Tserazov provide a valuable framework for understanding the potential drivers behind the expected April growth.\nIn the ever-changing world of finance and economics, expert insights can serve as guiding lights amid uncertainty. Konstantin Vladimirovich Tserazov’s analysis of the relationship between oil, metals, and April growth offers a comprehensive perspective on the upcoming economic landscape. By recognizing the significance of these factors, market participants, investors, and policymakers can make informed decisions to navigate the dynamic economic environment.\nAs April approaches, all eyes will be on how the interplay of these factors unfolds, and whether the projected growth materializes as anticipated. With the expertise of analysts like Konstantin Vladimirovich Tserazov, the financial world gains a deeper understanding of the intricate threads that weave the global economy together.", "domain": "finance"}
{"url": "https://sk.curling.io/en/events/12455-2022-2023-curling-club-women-s-provincial-kindersley", "date": "2024-04-13T19:22:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00367.warc.gz", "language_score": 0.8871877789497375, "token_count": 151, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__14510155", "lang": "en", "text": "Payment must be received prior to playing in the competition.\nOPTION 1: Pay now via credit card. CURLSASK will provide a full refund to all registered teams less $5/player administration fee should the event be cancelled.\nOPTION 2: Mail a cheque to CURLSASK, 613 Park St, Regina, SK S4N 5N1. Cheques will not be deposited until after the registration deadline. Should the event be cancelled, cheques will be destroyed. Select the CASH/CHEQUE option upon registering.\nOPTION 3: Teams will be contacted after the registration deadline to provide payment. Select the CASH/CHEQUE option upon registering.", "domain": "finance"}
{"url": "https://wsjz2021.com/investing-in-digital-real-estate-2/", "date": "2024-04-21T23:45:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00517.warc.gz", "language_score": 0.9458719491958618, "token_count": 443, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__8726082", "lang": "en", "text": "Digital Real Estate is the virtual land that exists within online worlds. It is used for a variety of purposes including socializing, commerce and trade. Digital real estate is growing in popularity because it can be created and managed without the same overhead costs as traditional real estate investments.\nInvesting in digital real estate can be done from any computer with an internet connection. It is also a great way to diversify an investment portfolio, as it reduces the risk of losing all of your money in one sector if that sector crashes. Digital products are easier to create and can be sold for a steady profit over time. We have seen sites monetized with Google AdSense generate $400-$1000 per day and ecommerce and affiliate sites earn $700-$2000 per day. The sky really is the limit!\nSome digital worlds mimic the concept of land ownership in the real world, with users buying and selling virtual land. Virtual land can have many attributes, and some platforms even allow for the creation of custom structures to increase value and use.\nThe value of a piece of virtual land depends on how popular it is. For example, a large virtual space that is close to popular areas can be very valuable. Similarly, a small piece of virtual land that is located far away from popular spaces can be less valuable. Also read https://www.joehomebuyertriadgroup.com/\nWhen investing in digital real estate, it is important to do your research. Look at market trends, how much similar pieces of virtual land have sold for in the past, and what is the future potential of your particular piece of virtual property.\nAnother important consideration when purchasing digital real estate is how stable the platform is. If the platform you have purchased land on fails, or loses a significant amount of its user base, then your digital real estate could become worthless. To avoid this, make sure that you purchase your virtual land from a reliable and established platform.\nThe blockchain technology that underpins digital real estate is also making the process of transacting faster and more secure than traditional methods. This technology can also help to ensure that buyers and sellers are who they say they are, and that no fraudulent activity is taking place.", "domain": "finance"}
{"url": "https://southjerseylawfirm.com/real-estate-taxes-divorce-home-value/", "date": "2024-04-20T17:09:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817670.11/warc/CC-MAIN-20240420153103-20240420183103-00046.warc.gz", "language_score": 0.9454934000968933, "token_count": 1259, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__103428531", "lang": "en", "text": "Latest posts by Rick DeMichele (see all)\nReal Estate Taxes and Equitable Distribution; Value From Two Different Perspectives\n“Can I keep our home?” is a question that divorce lawyers hear on a regular basis.\nThe answer is a familiar one for lawyers providing advice to clients: “It depends.”\nOn what? For starters: the parties finances, cash flow, and the marital home’s value. For the purposes of proceeding with your divorce, and to avoid problems in the future, it is important to have a solid understanding of your home’s value.\nHaving the former marital home apprised in a divorce is not unusual. In fact, it is so common that the court’s standard case management order has a preprinted portion to deal with an expert valuation of the former marital home. During the discovery phase of a divorce the parties can agree on a vale of the marital home or can hire a joint real estate appraiser or each retain their own appraiser. Couples who are familiar with real estate values and can agree on a value will stipulate to the homes value without hiring a real estate appraiser. In some cases a trusted Realtor can assist in this approach.People considering stipulating as to a home’s value should do so with caution. Many times a marital settlement agreement or property settlement agreement is centered on the the former marital home and its value. If the agreement is premised on a stipulated fair market value and the agreed value is not reflective of fair market value the divorce agreement can become very one sided and unfair. For example, if one party kept the marital home with a stipulated market value of $500,000 and that property had a $400,000 mortgage, the net equity of the home would be $100,000. ($500,000 -$400,000 =$100,000.) Now if the other party received a bank account worth $100,000 this wold appear to be a fair exchange. But what if the parties were incorrect in their stipulated value of $500,000 for the home and the actual market value is only $450,000. In this situation the asset exchange is hardly fair. An inaccurate stipulated value for a marital home in divorce can also be problematic when the property settlement agreement requires one party to refinance the home after the divorce is final. If the property settlement agreement requires refinancing of the mortgage the lender will require the property have a minimum value for refinancing. This is commonly referred to a s a loan to value ratio. If the actual value of the real estate is lover than stipulated or anticipated refinancing may not be an option and could put one party in violation of the property settlement agreement. With the above pitfalls noted, it is not uncommon for the parties to agree to a joint real estate appraiser. This saves on litigation costs (i.e. only hiring one expert as opposed to two) and also avoids legal fees associated with advocacy based on the potential divergent valuations. Obviously, for a joint real estate appraiser to be effective both parties and their attorneys must have faith in real estate appraiser. Another advantage to hiring a real estate appraiser and having an accurate assessment of fair market value is the potential of having the property’s real estate taxes lowered. In the context of a divorce this can be very helpful. All real estate in New Jersey has an assessed value. This assessed value is set by the municipalities tax assessor. It is relative value of the taxpayer’s home value compared with other real estate values in a municipality at the time of evaluation. Often times the assessed vale of a home is NOT reflective of fair market value. You should not rely on an assessed value in determining a homes fair market value in a divorce context. However, this is not to say that knowing your homes assessed value is not important and valuable. First lets discuss how an assessed value is important. A tax rate is applied to the property’s assessed value and the actual property tax amount is determined. Said another way, the town tax assessor takes the town’s tax rate and multiplies it against the property’s assessed value to determine the properties total tax obligation. Municipal tax rates are usually expressed in dollars per one thousand dollars of assessed value. You cannot challenge the property tax rate applied to your property but you can challenge the assessment. A lower assessment means a lower property tax. Here is how knowing the homes assessed value is important in the divorce context. If you want to retain the former marital home in your divorce you should compare the market value of your home against the assessed value of the home. If you are successful in retaining the home in the divorce you may want to apply for a property tax reduction. A lower property tax in the future may make the house more affordable. In contrast, if you do not want to retain the former marital home, knowing that it may be eligible for a property tax reduction may give you added leverage in negotiating the buyout. There are many considerations in determining whether a property’s assessment may be subject to a reduction so ask your attorney whether this is appropriate in your particular circumstance. The benefits in reducing your property tax are more than just the lower tax paid on an annual basis. A lower property tax obligation can help a home owner qualify for a mortgage or refinancing. Property taxes are almost always an element in obtaining mortgage financing. This may be very important if refinancing of a mortgage is required in the property settlement agreement. Additionally, a lowered property tax will make a property that is for sale more attractive. If you are trying to sell your home as part of your divorce a lower property tax can make your home more attractive than other similar homes. In sum, there are numerous benefits to a reduced property tax obligation and every application for property tax reduction starts with a an accurate determination of fair market value. If you or a loved one have questions regarding the New Jersey divorce process or real estate tax appeals, please contact us or call us at (856)546-1350 to schedule a confidential consultation with our experienced New Jersey divorce and property tax appeal attorneys.", "domain": "finance"}
{"url": "https://carolinacabinetwarehouse.com/blog/kitchen-makeover-to-raise-resale-benefits-of-house", "date": "2024-02-25T09:35:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474594.56/warc/CC-MAIN-20240225071740-20240225101740-00788.warc.gz", "language_score": 0.9456177949905396, "token_count": 676, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__168682566", "lang": "en", "text": "Are you looking forward to sell your house or simply enhance its appearance? Whatever be your consideration, a kitchen makeover is an excellent idea to raise the value of your property. If your kitchen is an old one with messy look, broken and worn out structures, or grease deposits, you simply lose a great amount of money while approaching the buyer for a price negotiation. A prior consideration on correcting this issue and wise investment can help you gain huge profits during the transaction.\nRenovation or Makeover\nBefore you proceed, it is essential to be acquainted with the concept of remodeling and makeover options. There is often confusion between these two terms. A renovation project involves bulk repairing alongside basic changes in the position of the sinks, countertops, kitchen appliances, cabinets etc. This is a matter of greater expenses and longer duration construction work.\nThe kitchen makeover is relatively smarter concept that involves elementary cosmetic changes such as painting, repairing the worn out shelves, countertops, kitchen floors, replacing the damaged fixtures etc. These sorts of cost effective solution that can bestow a completely new look to the kitchen and raise the convenience of the user. This involves less time and money helping you to raise the value of your property.\nHow Can Kitchen Makeover Help in the Home Resale?\nThe property experts opine that a well-furnished kitchen in the house is an object of interest for majority of the buyers that can benefit you with over 70 to 85 percent ROI. This makes way for serious consideration on how much the homeowners can spend on the makeover project. Estimation suggests that the sellers should consider the budget of the makeover for the kitchen around 10% of the entire property value to ensure that they can have maximum profits. This is the prime factor, influencing majority of the people to choose makeover rather than an expensive renovation.\nThe kitchen makeover apart from being an inexpensive solution has several other benefits too. With a makeover project, you can ensure that the sink outlets, plumbing fixtures, electrical fittings and accessories are working properly and completely safe for the user. You can relax that no accident or other mishap can emerge at any point of time after the sale of your house. The makeover helps to maintain the same structure of the kitchen as the previous with a more organized and glazed appearance. This is convenient, as it looks synonymous with the original construction pattern of the old house. A renovation often bestows a contemporary look that may be a mismatch with other parts of the house.\nThe Bottom Line\nOver and again, the appraisers and property brokers have suggested that it is not worth making huge changes on the basic construction if you are considering selling your house. If the basic construction of the kitchen is in a good condition, a simple budget friendly makeover solution is sufficient to impress the potential buyers. Under normal circumstances, you can expect to negotiate on at least 10 to 25 percent more amounts compared to the value you can get for selling your house with an old kitchen.\nThe makeover will last for long years so you need not worry about any inconveniences after the deal. The project will differ from one house to another depending upon the choice of design, structure and size of the kitchen area and other factors. For more details and advisory for a kitchen makeover, consult an established cabinet and makeover service provider.", "domain": "finance"}
{"url": "https://newsflick.net/venmo/rising-popularity-of-venmo-exploring-its-users-transactions-and-value/", "date": "2023-09-29T07:44:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510498.88/warc/CC-MAIN-20230929054611-20230929084611-00318.warc.gz", "language_score": 0.9266769289970398, "token_count": 1106, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__63122842", "lang": "en", "text": "Introduction to Venmo\nVenmo has revolutionized the way people exchange money with its user-friendly platform and seamless payment experience. As a peer-to-peer payment service, Venmo allows users to send and receive money from friends, family, and even businesses with just a few taps on their mobile devices. With its growing popularity, it’s no wonder that millions of people have embraced Venmo as their go-to payment app.\nCreating a Venmo Account\nGetting started with Venmo is quick and easy. To join the Venmo community, simply download the app from the App Store or Google Play and sign up for an account. During the registration process, you’ll be asked to provide basic personal information, such as your name, email address, and phone number. You’ll also have the option to link a bank account or credit card to fund your transactions. Once your account is set up, you’re ready to start using Venmo to send and receive payments effortlessly.\nUnderstanding Venmo User Interface\nThe Venmo interface is designed to be intuitive and user-friendly, allowing you to navigate the app with ease. The home feed is the central hub where you can view your transaction history and activity. Here, you’ll find a feed of payments made by you and your friends, complete with transaction descriptions and emojis. You can also interact with your contacts by liking, commenting, or splitting payments.\nVenmo’s user interface also features a search bar that enables you to find specific transactions or friends easily. Additionally, you can explore the menu options to access additional features such as Venmo Rewards, Venmo card, and settings to customize your experience. The straightforward design and layout of Venmo make it accessible for users of all ages and tech-savviness.\nSending and Receiving Payments\nOne of the primary functions of Venmo is the ability to send and receive payments. To send money, simply tap the “Pay or Request” button and enter the recipient’s username, email, or phone number. Then, input the amount you wish to send and add a note to provide context for the transaction. You can choose to make the payment either privately or publicly, with the option to share it on the Venmo social feed.\nReceiving payments on Venmo is just as straightforward. When someone sends you money, it will appear in your Venmo account balance. From there, you can choose to transfer the funds to your linked bank account or keep them within your Venmo balance for future transactions. Venmo transactions are typically completed within one to three business days, depending on the recipient’s bank processing times.\nPrivacy and Security\nVenmo takes privacy and security seriously, providing users with a range of settings and features to protect their financial information. You have the option to set your transactions as private or public, allowing you to control who can see your payments. Venmo also offers two-factor authentication for added account security. It’s important to review your privacy settings regularly and be cautious when sharing sensitive information to ensure a secure Venmo experience.\nExploring Additional Venmo Features\nIn addition to its core payment functionality, Venmo offers a range of additional features to enhance the user experience. One notable feature is the Venmo card, which allows you to make purchases using your Venmo balance at any merchant that accepts Mastercard. Venmo Rewards is another exciting feature that offers cashback and discounts at select retailers when you make purchases using Venmo.\nFurthermore, Venmo has integrated with various apps and platforms, allowing you to use Venmo for payments within those ecosystems. Whether you’re splitting bills at a restaurant, paying for rideshares, or shopping online, Venmo provides a seamless and convenient payment solution.\nTroubleshooting and Support\nWhile Venmo strives to provide a smooth user experience, occasional issues or questions may arise. If you encounter any problems with your Venmo account or transactions, there are resources available to assist you. The Venmo Help Center is a valuable source of information, offering answers to frequently asked questions and step-by-step guides on various topics. It covers everything from account setup and troubleshooting to security and privacy concerns.\nIf you need personalized support, Venmo also provides customer support via email. You can reach out to their support team directly through the Venmo app or website. They are dedicated to helping users resolve any issues promptly and efficiently.\nAs the number of Venmo users continues to grow, this peer-to-peer payment app has become an integral part of the digital payment landscape. With its simple interface, convenient features, and secure transactions, Venmo offers a convenient way to send and receive money. Whether you’re splitting the bill with friends, paying for services, or making online purchases, Venmo streamlines the payment process and provides a seamless user experience.\nRemember to always review your transactions, set your privacy preferences, and take advantage of the additional features offered by Venmo. By understanding how Venmo works and utilizing its various capabilities, you can make the most of this popular payment app and enjoy the convenience it brings to your financial transactions.\nDisclaimer: This blog post is for informational purposes only and does not constitute financial advice. Please refer to the official Venmo website or consult with a financial professional for specific guidance regarding your financial situation.", "domain": "finance"}
{"url": "https://dealblogging.com/how-to-start-home-business-online/", "date": "2022-09-26T23:11:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030334942.88/warc/CC-MAIN-20220926211042-20220927001042-00000.warc.gz", "language_score": 0.9672455191612244, "token_count": 2971, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__225563753", "lang": "en", "text": "If you want to earn money by doing online business sitting at home, then in today’s article I am going to tell you some such online programs using which you can earn as much money as you want. Today I will let you know in detail about how to start Home business online, and what we will have to do for this.\nMany people do not get ideas about starting an online business, so today I am writing an article for you to overcome this dilemma.\nThere are two types of business, one online and one offline but there is a lot of difference between the two.\nI have written many articles regarding this which is an offline business where you can also earn money by starting an offline business.\nOne difference between offline and online business is that investment has to be made very less online or there are online platforms in which investment is zero, but to start an offline business, investment has to be made a lot like opening an office and Items, etc. have to be purchased.\nThe business we are going to talk about today is how to start a business online.\nAs you would also know that in today’s digital age, everyone thinks about earning money and keeps searching on the internet, which shows how eager today’s youth is to earn money.\nToday you are going to learn such business ideas, using which you can earn a lot of money in a short time.\nFriends, today the Internet is in every house, that’s why every person is bringing his business online so that he can reach his product or service to more and more customers and increase his revenue.\nThe Internet is not only used to exchange information but it is being used to develop every business.\nSo let’s first know what is an online business\nWhat is Online Business | How to Start Home Business Online?\nOnline business means that whatever business you do through the internet, is called online business.\nYou can start an online business from anywhere, for this you do not have to open a separate office, you just need to have a Mobile, PC / Laptop, and internet.\nBy doing business online, you can earn income up to millions sitting at home and this is not a lie, it is absolutely true.\nWe all know that it takes some hard work to start any business because no work is easy, it has to be done. That is why it is very important to know some basic things to start any online business.\nSo let us now know what are the ways, what are ideas, using which you can earn money by doing online business sitting at home.\nStart Online Business from a Blog or Website\nIf you are passionate about writing means you have an interest in writing, then you can do online business, so for you, the business of a blog or website is the best.\nTo start any website, first of all, you have to have a domain name and hosting. If you do not know about domain and hosting, then for this also I have written an article about what is domain and how to buy hosting, then you can go to that article and know in detail about domain and hosting.\nIf you want to use the domain and hosting for free, then you can use Google’s free product ie Blogger, using which you can create a website for free and write a blog.\nBy the way, to create a blog or website, you have two types of platforms, one blogger or the other WordPress. Blogger platform is absolutely free but it has some limitations if you can make a little investment then use the WordPress platform so that you can easily customize your website.\nBloggerkey.com I have chosen the WordPress platform for this site as well. Because of this, I can easily customize my site.\nThe most important thing about blogging is that you do not have to depend on anyone to start it, you can start blogging alone and start from any corner of the world.\nIf you are doing a job then it can be done along with it, the biggest example of this is me. I also do a teaching job in school and blogging as well.\nInitially, you will have to work a little hard in this, but as your experience in this field increases, your blog will grow, and so will your income from the blog.\nStart Business Online From E-Commerce Website\nIf you are interested in selling products online, then an eCommerce site will be best for you because by using an e-commerce website you can earn as much money as you want.\nIf you have an offline business and it is not running much, then you start selling your product online, for this create your seller account by visiting e-commerce sites like Amazon, Flipkart, snapdeal, etc., and add your products and sell them can increase.\nAs soon as your products are listed on these sites, then the customers themselves will come to your website and make the same purchase. Friends, there is also a very good online business from an e-commerce site in which you will get a lot of profit.\nStart Business Online from Affiliate Marketing\nAs you would know that today digital marketing is going on full boom means every\nA person is making an income by selling a company’s product. By doing affiliate marketing in digital marketing, you can earn a lot of money and develop your business.\nI have written an article about what is affiliate marketing, by reading it you will be able to know completely what is affiliate marketing?\nIf you have your own website or blog, then you can do affiliate marketing in a better way or affiliate marketing can be done without a website.\nFirst of all, let us know a little about what is affiliate marketing.\nAffiliate marketing means selling others’ products online. Suppose you generate an affiliate link of any one product from Amazon and share it anywhere.\nThe meaning of affiliate marketing is that you have to do marketing for any other companies or services, it does not cost you a single penny. Just to make those products with the help of a special link i.e. affiliate link, then you have to earn money.\nThe more products sold from your link, the more you will get a commission. The commission varies on different products.\nIn today’s digital marketing, everyone is providing affiliate company services. It is not like there is only amazon or Flipkart, apart from this there are thousands of other companies which are providing affiliate services and absolutely free.\nWe have also written an article on which platform to promote the affiliate product, by reading which you will be able to know where to promote the affiliate product.\nAnd in this way you can earn good money through affiliate marketing.\nStart Business Online from Youtube Channel\nIf you do not want to write content and you like making videos, then you can make videos and share them with others, from which a lot of money can be earned.\nThat’s why Google has a platform youtube on which you can do business by creating your own channel and uploading videos.\nIn today’s era, most people are earning lakhs of rupees only by making youtube channels, which is why this platform is best for developing business.\nYou do not have to pay a single rupee to make a youtube channel, it is totally free, just make your videos and upload and promote them.\nToday there are many YouTubers who are living a very good life and doing full-time business like technical guruji.\nYou can create a youtube channel in any category, just put related videos of the category for which you have created a related channel, then your youtube channel will be successful. And you will be able to earn money.\nFor example, if you like dancing, then you can upload your dance videos on YouTube. And when a large number of visitors start coming to your channel, then you can get your YouTube channel monetized keeping in mind the policy and terms and conditions of YouTube. After the approval of which your income will start. Now as the number of viewers on your channel increases, your earnings will also increase accordingly.\nStart Home Business online From Freelancer\nFriends, freelancing is also a very good online business for you. If you have a passion for video making or programming or data entry, then you can easily do the work given by any person sitting at home.\nEven more than this lakhs of people are earning money in today’s era. On the internet, you will find many such sites like Fiverr, Upwork, freelance, guru.com, etc. on which you can create your account and do freelancing.\nIn this, as soon as your account is created, you just have to add the skills of the thing you are interested in according to your ability, after that the customers will approach you themselves and after the completion of the work, your fees are transferred to your bank account.\nBy freelancing, you can earn up to 5000 rs daily, then this is not a great online business.\nThe best thing about this is that you neither need any degree nor any recommendation to start this work.\nStart Home Business Online from Online Tutor\nIf you are passionate about teaching, then this hobby can become a professional for you without any investment. There is an increased trend of online tutors in today’s time, you must have seen that during the Corona period, the highest demand was increased in this field.\nIf you are an expert in any subject and have the ability to teach children, then this quality can earn you a lot of money.\nYou will find many such applications and websites on the internet, using which you can easily do business by becoming an online tutor.\nFor example, Vedantu, Tutor.com, Chegg, and Udemy academy are some such online platforms where you can register yourself and teach children.\nYou just need to be an expert in your subject. Even by working only 4 hours daily, you can easily earn 25 to 30 thousand a month. This earning can go up to lakhs, but it depends on the time and subject you give.\nStart Home Business Online from develop an Android Application\nIf you have knowledge of the language, then you can do online business by developing the application.\ncome from doing this business\nYou will get a lot of profit, the more apps you make, the more you can earn profit. At least you can generate income up to 50000.\nIf you do not have the knowledge to develop the app, then you can develop the app using freelancing websites or by contacting.\nStart Home Business online from Social Media Marketing\nFriends, you must be aware that today the power of social media is emerging in front of us. This is such a platform using which you can become very successful friends, we will live without water and food but cannot live without social media.\nSocial media is not only used for chat and video calling but it is also used to advertise products and services.\nNowadays every big company does social media marketing to promote its product, in which it spends lakhs of rupees on the advertisement.\nNow you must be thinking that what is the advantage of us, friends, you have to take advantage of this, just become a social media manager, increase your follower, so that you can promote a company’s product or service and earn a lot of money.\nBy the way, to learn social media marketing, you will get free courses on youtube, by which you can learn social media marketing.\nStart Home Business Online from DropShipping\nDropshipping is also the best option to start an online business, you can start this business by investing a little money in it.\nIn this, you have to sell the product of another company through your own website or online store, you can earn a commission on every product. In this, neither you have to buy the product nor do you need any place.\nFor example, if you have to sell the products of amazon on Flipkart, it is called dropshipping.\nStart Home Business Online from E-Book\nIf you have a passion for writing and can write on any concept, then you can also do online business by writing an e-book.\nNowadays you must have seen that online study has been done and the content which is written or read in it is read-only through e-books.\nIf you have written content within your different categories, then you can earn as much money as you want by publishing e-books.\nTo sell e-books, you can also sell them on amazon, Flipkart, etc.\nStart Home Business Online by becoming Content Writer\nIf you have a passion for writing and have complete knowledge of SEO, then you can earn money by writing content for all types of websites and doing online business.\nYou will find many such clients on Facebook or on Fiverr who provide servicing of content writing and are earning money.\nFriends, in today’s era, content writers are earning a lot of money sitting at home and there are many such content writers who have made a lot of names by doing their own online business.\nStart Home Business Online from Investing in Stock Market\nIf you are interested in the stock market or share market then this is a very good source of income for you. You can also look at investing in the share market as a business.\nYou must have heard the name of Warren Buffett, one of the richest people in the world. He is one of the biggest investors in the world. Talking about India, there are many such people in our country who have made a lot of wealth in the stock market and have achieved a different position in this market. In which the first name comes to Rakesh Jhunjhunwala who is also known as Warren Buffett of India.\nFriends, as you know in this article, which are the businesses that we can earn as much money as we want by using online. Today we have told you in detail about how to start a home business online.\nFriends, if you want to ask anything related to this article, then you can ask us by commenting, then we will try our best to reply to your comment.\nJust if you liked this article, then please do share it with your friends, and relatives because if someone is thinking of starting an online business then this article will prove to be helpful for him. Thank you so much for reading the rest of your article to the last!", "domain": "finance"}
{"url": "https://www.dmataxaccounting.com/choosing-right-accountant-small-business/", "date": "2023-10-04T09:49:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511364.23/warc/CC-MAIN-20231004084230-20231004114230-00243.warc.gz", "language_score": 0.9687986969947815, "token_count": 776, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__314109955", "lang": "en", "text": "Whether you are starting out a new business or have been in business for many years, you may decide it is time to hire an outside accountant. You may wish to offload mundane tasks or to focus your energy on growing your business or you would rather spend more time with your family. The reasons are many and varied. However, as with working with any trusted advisor, being able to effectively communicate with your new accountant is most important.\nSo now that you have made the decision to hire an outside accountant, how do you pick the right outside Madison, WI accountant? There are a number of factors that go into the decision as there are accounting firms of all sizes from a sole practitioner to multinational CPA firms, each serving different sizes of business and perhaps a specific business clientele. So what factors should go into your choice of the right accountant for your business?\n- Size of firm – This depends on the size or ambitions of your company. If you are a small company and the firm you choose is too large, you may be overlooked because you are a small client. However, if you are a larger company, a smaller firm may not have the skills or personnel to meet your requirements.\n- Services offered – Does the firm offer all of the services that you are looking for? Larger firms tend to offer a wider variety of services such as data entry/bookkeeping, payroll processing and compliance, sales tax reporting, financial statement preparation/compilation, financial statement audit/review, governmental compliance auditing and tax preparation just to name a few. ou will need to look at your current situation and where you expect to be long-term to determine whether the services offered will meet your needs now and in the future. Take note that larger firms generally offer more variety in services and tend to be more expensive than smaller firms who specialize in a smaller number of accounting options.\n- Credentials – Do the principal members of the firm or local office have a certification such as a CPA, CMA or EA? Does the accountant have any complaints registered with the state board of accountancy? How is the firm rated by the Better Business Bureau? These are facts that can be referenced online.\n- Specialized needs – If your company is in a specialized, or maybe highly regulated industry, you should find a firm that is a specialist in that field. If you have international operations, the accountant you select should have experience in that area.\n- Reputation in the area – Contact business and social colleagues and ask if they have any recommendations regarding local Madison, WI accountants. If a colleague is a customer or knows of someone who is a customer of one of the accounting firms under consideration, ask if you can speak to that client to see if you can gain any insight.\nOnce you have selected at least two local accounting firms that might be a good fit for your business, you need to take the time to interview each firm that you are considering. Make sure you are speaking to a decision maker in the firm and the person who would be your main contact if you were to become a client. Ask questions and make notes so that you can compare the firms side by side. Remember when you are visiting the firm to put your best foot forward because they will be interviewing you simultaneously and even though you may wish them to be your accountant, they do not have to accept the engagement if they do not think it’s a good fit.\nUltimately, selecting an accountant for your business is a personal choice and it is most important that you are able to communicate effectively with your primary contact at the accounting firm. In addition, the firm must be able to provide services you require in an accurate and timely manner at a cost that you deem reasonable.\nWe would love to help you with any of your tax and accounting needs! Contact us today.", "domain": "finance"}
{"url": "https://staddlestones.com/new-cars/nissan-juke", "date": "2019-09-21T19:47:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514574662.80/warc/CC-MAIN-20190921190812-20190921212812-00028.warc.gz", "language_score": 0.8793086409568787, "token_count": 549, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__181338182", "lang": "en", "text": "Juke just keeps getting better, with a bold design, advanced intuitive technology and extensive personalisation options to ensure you stand out from the crowd. Combined with agile performance and rebellious urban attitude, Juke gives you the most thrilling and invigorating driving experience.\nWith tail lights inspired by Nissan's high-performance 370Z, a fiercely sculpted bonnet and muscular lines, the Nissan Juke is a small SUV that's anything but ordinary. It has the look of a two-door sports car and the practicality of a five-door family SUV. The Nissan Juke really does provide the best of both worlds.\nJUKE BOSE T&Cs:\nFree Bose® SoundLink® Micro Bluetooth Speaker offer available to private retail customers at participating dealers only when you order and register a Juke Bose Personal Edition by 31st May 2019. Offer available to both cash and finance customers. Offer not available to Motability customers. Offer limited to one Bose SoundLink Micro Bluetooth Speaker per private retail customer. Bose SoundLink Micro Bluetooth Speaker will be posted directly to the registered address of the Juke Bose Personal Edition purchased within one month of the registration date. Nissan cannot guarantee that the Bose SoundLink Micro Bluetooth Speaker colour will be aligned with the exterior personalisation colour of the Juke Bose Personal Edition chosen at the time of purchase. While stock lasts. Availability subject to first come first served. Nissan reserves the right to amend or withdraw this offer at any time without notice. Bose SoundLink Micro Bluetooth Speaker not exchangeable for cash alternative.\nFlexible finance available to suit your needs\nNissan Juke Tekna 1.6 Manual 5-dr £337.98 per month with Nissan Finance:\nVehicle Price: £20,610.00 on the road\nNissan Deposit Contribution: £250.00\nCustomer Deposit: £338.00\nTotal advance: £20,022.00\n37 monthly payments of £337.98\nFinal Purchase Payment (GFV) of £7,854.65\n0% APR representative, total amount payable £20,610.00\nBased on an annual mileage of 8,000 per annum - excess mileage charges may apply.\nThe straightforward small print…..\nAll finance is subject to status and terms and conditions. Please ask for a written quotation, which our sales team will be happy to provide. These offers will generally be available until 30/09/2019, but we reserve the right to change them without notice. We will only do this if our manufacturer partners change their policies, prices or terms.\nAll Nissan Finance examples are Personal Contract Purchase finance through RCI Financial Services Ltd.", "domain": "finance"}
{"url": "https://hsrestoration.com/real-estate-agents/", "date": "2023-04-01T20:38:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296950247.65/warc/CC-MAIN-20230401191131-20230401221131-00566.warc.gz", "language_score": 0.9557623863220215, "token_count": 616, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__47814769", "lang": "en", "text": "When you’re thinking about buying or selling your home, there are a lot of things to prepare. One of the first things you will do is choose from the pool of real estate agents to help you list and market the home. They will come in and make their own recommendations for repairs or upgrades to help you be successful.\nWhen you have water damage in the home, it could drastically affect your ability to sell. In many cases, water damages will have to be restored. Or you could be forced reduce the value of your home to account for the damages and repairs that are needed.\nIf a home has water damage, it has the potential for mold. If an inspector notices mold, it could halt a pending sale. Home inspections are designed to find issues like these. If there is water damage that hasn’t been fixed, the chances are high there is also mold to contend with. Mold is certainly nothing to play around with, and potential buyers are not going to want to deal with it either.\nOnly in circumstances where you have the ability to sell a home “as-is” will this work. Otherwise, you may be required to correct the damages or remove mold prior to a sale occurring.\nLender Requirements (Not Real Estate Agents)\nA large number of homebuyers rely on mortgage lenders for the purchase. In some cases, the lenders will have requirements to abide by. This is particularly true of government mortgages, like FHA, Veterans, or USDA loans. These often have stringent inspection requirements that have to be passed before the mortgage can be granted.\nYou will likely find that most lenders will not be overly excited to grant a mortgage for a home with water damage. The costs to repair water damages can be extensive, but there are also risks involved in taking on this liability.\nExtended Length on the Market\nDespite your real estate agent’s best efforts, you might find that a home with water damage will sit on the market for a much longer period. In recent months, homes have been selling within 45 days in most cases. But if your home has water damage, this may make it less appealing. Does that mean it won’t sell? No. It simply means you might be required to exercise patience until the right buyer comes along.\nIf you’re looking for a fast sale of the home, having water damage is likely going to impact your ability to make that happen. It’s up to you to determine whether fixing the damages prior to listing your home might be a better approach in the end.\nRestore Damages Before Contacting Real Estate Agents\nIn most cases, you will find it is more suitable to have restoration of water damage handled first. Then, hire the best real estate agents to spin the renovations and help you make a great sale. When you need restoration, count on HS Restoration & Cleaning Service to help! Our teams are standing by, ready to get your home prepped to list on the market.", "domain": "finance"}
{"url": "https://adamsearle.org/newsrooom/media/berejiklian-government-must-ease-cost-of-energy-bills/", "date": "2023-06-03T09:03:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224649177.24/warc/CC-MAIN-20230603064842-20230603094842-00515.warc.gz", "language_score": 0.9440115094184875, "token_count": 759, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__266304646", "lang": "en", "text": "11 April 2020\nLabor is calling on the Berejiklian Government to increase and expand energy bill rebates, to support NSW households struggling with additional COVID-19 cost of living pressures.\nLabor is calling for:\n- An immediate doubling of the Low Income Energy Rebate from $285 to $570 a year\n- An immediate doubling of the Family Energy Rebate from $180 to $360 a year\n- The extension of those rebates to people who have lost their jobs or pay due to COVID-19\nLabor Shadow Minister for Energy Adam Searle said: “Ms Berejiklian’s business as usual approach to household energy bills isn’t helping anyone in NSW who has lost their job, seen their shifts cut or had to close their small business because of the COVID-19 pandemic.\n“The Berejiklian Government must double the energy rebates given to families and low-income households, and they must extend that same support to people who have lost their jobs because of the COVID-19 outbreak” — Adam Searle MLC, Shadow Minister for Energy\n“Winter often sees the cost of gas and electricity go up for NSW households. Ms Berejiklian should move quickly to protect struggling households from the Winter energy bill cost crunch.”\nAdditionally Labor says the Berejiklian Government must work with energy companies to stop predatory behaviour during the COVID-19 outbreak, and:\n- Stop disconnections for customers in financial stress\n- Stop customer referrals to debt collection agencies, or credit default listings\n- Support households and small businesses in financial stress to access payment plans or hardship arrangements\n- Waive disconnection, re-connection and contract break fees for small businesses which have gone into hibernation, along with daily supply charges to retailers\n“It’s not right that people are being threatened with disconnection during a pandemic, or that their phone is ringing off the hook because of some debt collection agency. It’s the time for a bit of compassion and understanding” — Adam Searle MLC, Shadow Minister for Energy\nMr Searle noted that these weren’t long term solutions, saying: “These are sensible steps for the Berejiklian Government to take while NSW households and small businesses are dealing with the economic fallout caused by the COVID-19 pandemic.”\nTo be eligible for the $285 a year Low Income Household Energy Rebate, you must:\n- Be a NSW resident;\n- Be on-supplied customer of an energy retailer; or\n- Hold one of the following:\n- Pensioner Concession Card issued by the Department of Veterans’ Affairs (DVA) or Services Australia,\n- Health Care Card issued by Services Australia, or\n- DVA Gold Card marked with either ‘War Widow’ or ‘War Widower Pension’, or ‘Totally and Permanently Incapacitated’ (TPI) or ‘Disability Pension’ (EDA).\nTo be eligible for the $180 a year Family Energy, you must:\n- Be a NSW resident;\n- Be the account holder of an energy retailer;\n- Have been the recipient of the Family Tax Benefit (FTB) for the previous financial year and have had your entitlement to the FTB payments finalised by Centrelink.\n- Ensure the person in your household who’s registered as the FTB recipient, lodges the application. The recipient is the person who receives correspondence on FTB from the Department of Human Services (DHS).", "domain": "finance"}
{"url": "https://kineticex.com/aml.html", "date": "2019-04-18T20:45:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-18/segments/1555578526807.5/warc/CC-MAIN-20190418201429-20190418223429-00425.warc.gz", "language_score": 0.9046202301979065, "token_count": 823, "dump": "CC-MAIN-2019-18", "global_id": "webtext-fineweb__CC-MAIN-2019-18__0__46041779", "lang": "en", "text": "The Provider of Exchange and Trading Platform www.kineticex.com (hereinafter – the \"Company\" or \"we\") is required to comply with the Anti-Money Laundering and Countering Financing of Terrorism Legislation (AML/CTF Laws). To help the government fight the funding of terrorism and money laundering activities, law requires all financial institutions to obtain, verify, and record information that identifies each person opening an account. We have developed internal Anti-Money laundering and Counter-Terrorism Policy (hereinafter - AML Policy) based on the risk assessment, so the objectives of the AML/CFT Laws can be achieved. These are:\nto detect and deter money laundering and financing of terrorism;\nto maintain and enhance the Company’s international reputation by adopting, where appropriate, recommendations issued by the Financial Action Task Force; and\nto contribute to public confidence in the financial system.\nBy applying for an account with us you are taken to agree to the following terms:\nyou warrant that you comply with all applicable anti-money laundering laws and regulations, including but not limited to the AML/CTF Laws and associated rules and regulations (in force from time to time);\nyou are not aware and have no reason to suspect that:\nthe money used to fund your account with us has been or will be derived from or related to any money laundering or other activities deemed illegal under applicable laws or regulations or otherwise prohibited under any international convention or agreement (“illegal activities”); or\nthe proceeds of your investment will be used to finance illegal activities; and\nyou agree to promptly provide us with all information that we reasonably request in order to comply with all applicable laws and regulations relating to anti-money laundering.\nIn accordance with our AML Policy we will conduct initial and ongoing due diligence for each customer according to risk level posed by the customer.\nWhat this means for you: In compliance with the applicable law, we will ask for certain minimum identification information from each customer which opens an account; record customer identification information and the verification methods and results; provide notice to customers that we will seek identification information and compare customer identification information with government-provided lists of suspected terrorists.\nThis minimum information may include:\nthe customer's full name; and\nthe customer's date of birth if natural person; and\nthe customer’s nationality if natural person; and\nif the person is not the customer, the person's relationship to the customer; and\nthe customer's current permanent address or registered office; and\nthe customer's company identifier or registration number; and\nthe expected origin of the funds to be used within the relationship; and\noccupation and name of employee (if self-employed, the nature of the self-employment).\nIn order to verify the abovementioned information we will require submitting the following documents:\nCurrent valid passport;\nNational identity card;\nDriving license which bears a photograph; and\nDocument proving current permanent address (such as utility bills, bank statements, etc.).\nFor CORPORATE CUSTOMERS:\nCertificate of Incorporation or any national equivalent;\nMemorandum and Articles of Association and statutory statement or any national equivalent;\nCertificate of good standing or other proof of registered address of the company;\nResolution of the board of directors to open an account and confer authority on those who will operate it;\nCopies of powers of attorney or other authorities given by the directors in relation to the company;\nProof of identity of directors in case they will deal with us on behalf of the Customer (according to the Individual identity verification rules described above);\nProof of identity of the beneficial owner(s) and/or the person(s) on whose instructions the signatories on the account are empowered to act (according to the Individual identity verification rules described above)\nIn order to verify the abovementioned information we will require at minimum submitting the documents specified above. We may also request you to provide additional information accompanied with respective documents.", "domain": "finance"}
{"url": "http://mcdonaldscarralero.com/2016/03/23/spending-time-in-jail-for-dui-two-tips-for-preparing-your-finances/", "date": "2024-04-14T22:48:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816904.18/warc/CC-MAIN-20240414223349-20240415013349-00357.warc.gz", "language_score": 0.9686741828918457, "token_count": 528, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__97218652", "lang": "en", "text": "Depending on the number of DUIs you have on record and whether your DUIs were charged as misdemeanors or felonies, you could be sentenced to spend anywhere from a few days to up to a year or more in jail. While many areas of your life are adversely affected when you're incarcerated, possibly the biggest impact will be felt in your finances. If you anticipate you'll be in jail for a long period of time because of a DUI, here are two tips to help you prepare your finances to minimize the associated fallout.\nObtain Deferments When Possible\nMany times, people lose their sources of income when they're incarcerated. Not only do they lose their jobs, but sources of public assistance may also be cut off. For example, the Social Security Administration will not pay disability benefits while you're in jail.\nIf you anticipate you won't have any income while you're in jail, try to obtain payment deferments from your creditors. If you have student loan debt, for example, contact the lender and explain the situation. Typically, you can get a deferment if you're going into federal prison and provide proof to the creditor. Be aware, this may only be available with loans backed by the federal government.\nOther creditors may or may not have similar programs available, but you won't know until you call and ask. Get as many of your bills deferred as you can for the length of time you'll be in jail. This way, you'll avoid coming home to a mountain of collection notices, late fees, and accumulated interest.\nAutomate As Much As Possible\nIf you do expect to continue receiving some income during your time in jail, then automate as much as you possibly can. Have any payments deposited directly into your bank account, and set your bills up so they are automatically paid from that same account every month. For instance, if you're getting dividend payments from investments, have that money put in your account, and then schedule your monthly child support checks to be sent to your ex using the bank's automated bill pay system.\nIt's a good idea to add someone you trust as a joint account holder on your bank account. This way, the person can make deposits and withdrawals and handle any problems that crop up with the account while you're away. Depending on how long you're going to be in jail, you may even want to give the person power of attorney so the individual can handle your financial affairs until you're released.\nFor more tips of preparing yourself for incarceration or assistance with litigating a DUI case, contact a criminal defense attorney or a traffic lawyer.Share", "domain": "finance"}
{"url": "https://3countiessurveyingltd.com/surveying-faq/", "date": "2024-04-15T15:57:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817002.2/warc/CC-MAIN-20240415142720-20240415172720-00027.warc.gz", "language_score": 0.9366931915283203, "token_count": 723, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__159976546", "lang": "en", "text": "A building survey is not a legal requirement and at a time when you maybe saving every penny you can to afford your new dream home, skipping the extra cost of having a survey may cross your mind.\nBut having a survey carried is essential to possibly save you large sums of money, from uncovering hidden issues with the property which could cost you now or in the future, this could allow you to use the information to negotiate a lower price of the property, prepare for repairs that will be needed straight away or in the future, or ultimately letting you walk away from a potential disaster.\nEach property is unique and thus the type of survey required.\nGenerally, for older properties (1900’s and beyond), unconventional buildings, or one which has received or is planned to be extensively renovated or extended, we recommend a RICS Home Survey – Level 3 (formally known as a structural survey).\nFor more recent properties, which are constructed in a more conventional way and in reasonable condition, we recommend an RICS Home Survey – Level 2 report.\nIf you are buying a new home using Help to Buy, HomeBuy Direct or similar shared equity scheme, we recommend an RICS mortgage valuation.\nA surveyor’s report will nearly always uncover some issues, especially with older properties, Some of the most common issues include:\n• Problems with the roof\n• Central heating system\n• Damp or timber issues\n• Electrical installation issues\n• Further complications which will require a structural engineer, such as subsidence.\nRICS is a globally recognised professional body, which ensures RICS registered surveyors adhere to the highest professional standards set across the globe.\nMortgage brokers require a mortgage valuation to satisfy them that the property you desire is worth the price you’re paying or at least the amount it’s lending.\nIf the property is valued below your offer price, you can go back to the seller or estate agent and offer a lower price backed up by the mortgage valuation.\nA HomeBuyer report also known as level 2 surveys is a survey and inspection of the easily accessible parts of the property, this includes things such as ceilings, the roof, walls, floors, bathrooms, and woodwork.\nAn inspection of the central heating system, drainage system, electric, gas and/or oil and water services.\nAn inspection of permanent outdoor buildings and the outside of the home including roofing, pipes, gutters, walls windows, and external doors.\nAssessment of timbers for rot and active woodworm infestation.\nA building survey or level 3 (formally known as a structural survey) is the most detailed type of survey available.\nThe level 3 survey includes a thorough inspection of all the accessible parts of the property and its outbuildings, an assessment of all the major and minor faults found within the property, and implications of these faults.\nExamination of the potential for hidden defects, assessment of timbers for rot, and active woodworm infestation.\nReview the condition of the heating and water system.\nAn investigation into the condition of the damp proofing, insulation, and drainage (if access to the drains is available).\nWe will also test the walls for problems with damp.\nAfter a survey has been completed you will receive advice and technical information based on the survey you choose, this includes guidance on any maintenance or repairs necessary.\nYou can view an example of a RICS Home Survey – Level 3 report here.\nWhatever your requirements, we have expert who can help.Contact us", "domain": "finance"}
{"url": "http://clearcreekschool.com/cupccaa/", "date": "2024-04-16T01:34:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817036.4/warc/CC-MAIN-20240416000407-20240416030407-00157.warc.gz", "language_score": 0.9287027716636658, "token_count": 175, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__61865628", "lang": "en", "text": "Small Projects under $200K (CUPCCAA)\nContractor Pre-Qualification Information\nClear Creek School District is a participant in the California Uniform Public Construction Cost Accounting Act (CUPCCAA). This act allows for a streamlined negotiation and bidding of projects valued at less than $200,000.\nContractors who would like to add themselves to our list to be notified of informal bidding projects can submit their information on this FORM. The form needs to be submitted every year, and it is the responsibility of the contractor to do so.\nThere is no cost to contractors interested in pre-qualifying with CCSD.\nPlease contact Kindell Tygart with any questions at email@example.com or 530-273-3664.\nThank you for your interest in pre-qualifying and working with us!", "domain": "finance"}
{"url": "http://samagnello.koenigrubloff.com/pages/condos-180885", "date": "2018-01-23T13:22:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084891976.74/warc/CC-MAIN-20180123131643-20180123151643-00185.warc.gz", "language_score": 0.953561007976532, "token_count": 972, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__64978984", "lang": "en", "text": "Category Title > Sam's Condo Buying Tips\nNew homeowners are often surprised... perhaps even a bit overwhelmed by the complexity and expense of buying a home\nAre you considering home ownership?\nNew homeowners are often surprised... perhaps even a bit overwhelmed by the complexity and expense of buying a home. Are you new to the market and thinking to buy a home, your first home? A condo may be the right choice for you! After all, it's a great way to own a home without the extra complexity and expense of a single family house.\nthese tips to help guide you as you look for your condo:\n1) Consider Location\nLocation, location, location... As with any real estate purchase, location is a key factor in your decision to buy. Begin your search by narrowing down the area/neighborhood where you’ll start looking. Consider factors important to you: schools, parks, shopping, restaurants, grocery stores, public transportation, health clubs, coffee shops, parking accessibility, access to major streets/highways, and consider any other amenities that are located close by. Chicago is full of many great neighborhoods, if your search is in Chicago or Chicago area, call me (I’d love to help).\n2) Attend an Open House\nOne of the best ways to get a feel for a condo/home is to attend an open house, or you may consider scheduling a separate viewing (i.e., showing). Don't be shy, now is the time to ask questions, take notes and some of your own pics (Note: keep in mind, you may need to ask permission from the seller/tenant first if you want to take pics and should always be respectful of their property). Take a look around the building, look at storage areas (is the storage area organized, well lit, clean, and accessible?), parking locations (do you have assigned parking, garage parking, space for guests?), landscaping (is it well maintained?),common areas (security cameras, well lit, elevators, controlled access?), and amenities (is there a party room, weight room, laundry room, pool, doorman, valet?). Take a moment and chat with any neighbors you meet, are they friendly, what do they like or perhaps dislike about the building/neighbors/association?\n3) Review Condo Agreements and HOA fees\nCondos are different than apartments or single family houses. A couple major differences to consider are that condos involve communal property and HOA fees. What is communal property and what will it mean for you? You do own your living space, however, you’re also a part-owner of the communal property (e.g., the pool, party room, halls, parking lot/garage, etc...). Know what kinds of agreements are in force regarding common property and what the associations' reserve funds for building upkeep and maintenance are. Be sure to thoroughly review the condo’s homeowners’ association (i.e., HOA) agreement and covenant, conditions, and restrictions (i.e., CC&Rs) document. HOAs require condo owners to pay monthly fees for building maintenance and repair (Note: some HOA fees may even cover your heating, gas, and cable TV costs). However, HOA fees do not cover the repair and/or maintenance of the inside of your condo. CC&Rs contain rules on what you may or not do in your condo building and often include policies on pets, satellite dishes, and the color of a front door or perhaps even what paint colors you may use on your interior walls.\n4) Budget for your purchase\nShop around for the best rates, keep in mind, first time buyers may qualify for down payment assistance. Down payment assistance is money, if you qualify for, that will help you with the down payment. This is money that, if you meet the requirements, you don’t have to pay back. Many people think you need 20% down to buy a home, you don’t, with as little as 3.5% you can own your own home (perhaps even less). Also, be sure you factor monthly fees into your condo purchase, after all, HOA fees affect your debt-to-income ratio and mortgage lenders factor it into how much you can afford.\nThis is where I come in, don't go it alone, contact me today (or if you are not in the Chicago area) a real estate professional familiar with your community to start your search.\nBerkshire Hathaway HomeServices KoenigRubloff\n2301 N. Clark St. Suite 202\nChicago, IL 60614\n312-264-1261 / email@example.com", "domain": "finance"}
{"url": "http://shanemoore.com/page/3/", "date": "2017-09-24T10:19:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818689975.36/warc/CC-MAIN-20170924100541-20170924120541-00670.warc.gz", "language_score": 0.9586377739906311, "token_count": 4563, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__5942577", "lang": "en", "text": "This page has moved. Please follow the link below:\nIn a statement released by ASIC it was revealed that four of the websites operated by Insure 247 were believed to contain “misleading or deceptive advertising”.\nThat’s a pretty serious allegation, but it appears that the parties involved have been able to make the necessary changes to the websites without too much drama.\nThere were two main issues involved.\nThe statement from ASIC shows that they had serious concerns with some of the text used on the websites:\n“ASIC was concerned the websites gave the impression consumers were accessing an online tool which compared the features and the cost of different insurance products. ASIC’s review found there was no evaluation or comparison of the products.”\nOne such example was the text “compare thousands of insurances from fifty different insurers”, but upon investigation there was no such comparison offered.\nIn my opinion this was probably just a copywriter getting a little over excited, but the fact is you simply cannot make claims on an insurance related website unless they are factual.\nInsure 247 are not alone however, as over the years I’ve seen plenty of misleading text on insurance related websites.\nI don’t think there is a deliberate intention to mislead people in most cases, but if someone can be misled then it doesn’t really matter whether it was deliberate or not.\nInsurance company logos\nThe second issue was the use of insurance company logos, which ASIC made the following comments about:\n“Further, ASIC found Insure 247 displayed the logos of insurance providers that were not offering quotes for the product featured on that page of the website. For some insurance products, only one insurance provider received consumer details through the website when consumers were likely to think their details would be passed on to many insurers.”\nUsing the logos of the big insurance companies is a great way to build some credibility for a financial adviser or insurance broker’s website.\nThere is nothing wrong with doing so, and I even have a selection of logos on my own firm’s website, but don’t go displaying logos of insurance companies if you don’t use them!\nIt’s fair enough for a consumer to expect that if they see certain logos on your website then you’ll be using or at least comparing the products offered by those insurers.\nThe lesson here for website owners, regardless of whether you’re an AFSL holder, an authorised representative or just an online marketer, is that you need to make sure your website does not have the potential to mislead or deceive.\nLifebroker was founded in 2004 and has grown to be one of the top two largest online providers of life insurance.\nTAL has owned a 10% stake in the business for the last three years, and this week moved to full ownership of the business.\nOf most interest to me was the amount paid for the remaining 90%, but sadly the purchase price has not been released.\nWhat we do know is that TAL’s parent company, The Dai-ichi Life Company, valued Lifebroker at $28 million in June this year.\nPresumably the existing owners would have sought a premium in return for relinquishing their entire shareholding, in which case it would be safe to assume that the final valuation was somewhere in excess of $30 million.\nThat’s a hefty chunk of money in anyone’s language, and it shows the level of confidence that TAL has in the continued growth of online life insurance.\nUnfortunately it also shows how focused TAL is on the direct insurance market, which in my opinion could lead to more Australians taking the DIY approach instead of seeking professional advice.\nIn case you didn’t know, TAL also owns the InsuranceLine brand which is heavily promoted on television.\nWhat is Lifebroker?\nSo what exactly has TAL bought themselves?\nLifebroker is a website that allows consumers to compare premiums for life insurance from a range of insurance providers.\nIn addition to life insurance, consumers can also access trauma, TPD, income protection, mortgage protection and funeral insurance.\nLifebroker compares policies from a range of insurers including AIA, AMP, Asteron, BT, Comminsure, Macquarie, MLC, OnePath, Zurich and of course TAL.\nIt’s not clear whether or not Lifebroker will continue offering non-TAL products, but based on comments from TAL’s CEO, Brett Clark, it would appear that they will:\n“Lifebroker has built a reputation on the objective comparison on life insurance products from a range of different life insurers.”\n“We strongly support consumer choice and a competitive life insurance market.”\nThat’s good news in my opinion, because the last thing we need is another so-called comparison website which only compares products from a single insurer.\nPersonally I still believe there is a big conflict of interest in an insurance company owning a comparison website.\nHopefully TAL does the right thing and makes very clear disclosures on the Lifebroker website rather than burying it in the FSG.\nProvided that they do that, then good luck to them and I take my hat off to TAL for investing in online assets whilst the others are left behind.\nThe domain in question is carloan.com.au, and whilst it may not be insurance related, it’s still worth looking at.\nThe buyer was CarSales.com Limited, the owner of Australia’s leading online car sales portal of the same name.\nWhilst the parties would not reveal the exact price, Wester advised that it was in excess of $200,000. This would make it the largest domain name sale in Australia for 2013.\nSeeing CarSales as the buyer was certainly not a surprise to many people in the online marketing industry, as they have been prolific buyers of automotive related domain names over the last few years.\nThis sale certainly shows the value in generic finance domain names, and it will be interesting to see if CarSales simply parks the domain (excuse the pun) or builds it into a new car loan service.\nWhilst many insurance companies and brokerages market themselves online under their own brand name, many choose to build websites under generic names also.\nThere are numerous reasons for this, but generally these companies are looking to build satellite websites that target particular niches, with the idea that they will funnel prospects or leads back to their main website.\nWhat do I mean by a generic name? Generally they are based around a product or a service, as opposed to a brand name.\nExamples could include ‘carinsurance.com.au’ or ‘insurancebroker.com.au’ etc.\nThere’s no question that this strategy that has worked well for some people, but if you think that getting your hands on such a domain name will be easy, think again!\nWe’ve used sales data from Netfleet, one of Australia’s largest domain name markets, to show just how much you’d need to spend to get yourself a premium generic insurance domain name.\nHere are the top 15 insurance domain names sales from 2009 onwards:\n- $30,001 – carinsurance.net.au (2012)\n- $16,223 – petinsurance.com.au (2011)\n- $12,001 – lifeinsurancecomparison.com.au (2011)\n- $10,052 – homeinsurance.net.au (2012)\n- $5,568 – doginsurance.com.au (2012)\n- $5,152 – funeralinsurance.net.au (2011)\n- $4,801 – cheap-travel-insurance.com.au (2011)\n- $4,500 – lifeinsurancequotes.com.au (2009)\n- $3,568 – catinsurance.com.au (2012)\n- $3,001 – lifeinsurancecomparisons.com.au (2011)\n- $3,000 – homeinsurancecomparison.com.au (2010)\n- $2,778 – boatinsurance.net.au (2012)\n- $2,501 – incomeinsuranceaustralia.com.au (2012)\n- $2,501 – marineinsurance.com.au (2012)\n- $2,042 – lifeinsurancequotesaustralia.com.au (2012)\nDo these domain names represent a waste of money, or a fantastic opportunity? It really depends on what you do with them.\nRegular readers will know how valuable generic domain names can be in the insurance sector.\nSuper premium domains in the finance sector have sold for six figures in the past, and we decided to have a look at who owns the super premium insurance domains and what they’re doing with them.\nFor each domain we have used the whois records to reveal the owner and have also looked at how the domain is being utilised.\nWe’ve also provided valuations on each domain name with assistance from some of the experts at DNtrade. The valuations are based on the domain name only, and not the associated website.\nOwner: Insurance Consulting Services Pty Ltd\nValue: $200,000 – $250,000\nUsage: Stand-alone website which offers quotes for life insurance products and referrals for general insurance products.\nComments: The most generic of all insurance domains is surprisingly not owned by one of the major insurers, and is instead owned by a financial planning company. It’s not a bad looking website, but is fairly light on information.\nValue: $150,000 – $250,000\nUsage: Redirects to the life insurance page on the main iSelect website.\nComments: With online life insurance being a red-hot sector, this would be one of the most sought after domain names out there. By using the domain as a redirect iSelect would not be getting an major SEO benefit, but given that they already rank number 1 in Google for ‘life insurance’ I don’t think they’ll be too concerned.\nOwner: Luke Donnelley\nValue: $150,000 – $200,000\nUsage: A very basic one page website with no ability to request a quote or contact them.\nComments: It’s almost unbelievable that such a premium domain has remained in private hands and is still so underutilised. No doubt the owner is fully aware of its value and has received countless offers over the years.\nOwner: REA (realestate.com.au)\nValue: $30,000 – $50,000\nUsage: Redirects to the realestate.com.au website.\nComments: It’s not a huge surprise to see this domain used by the owners of realestate.com.au, but it is surprising to see that it is very underutilised. There is an insurance section on the website, but this domain does not redirect to that area. I should add that I believe ‘realestate.com.au’ is the best use of ANY premium generic domain name in Australia.\nOwner: Income Protection Pty Ltd\nValue: $50,000 – $100,000\nUsage: Main website for the business of the same name.\nComments: Out of all the premium insurance domains, this would be the best utilised. In this case an entire business has been built around the domain name, and having met the original owner who started the business around 15 years ago, it has been quite successful.\nValue: $5,000 – $10,000\nComments: This is the second entry for iSelect, but unlike lifeinsurance.com.au which redirects to the relevant page of the iSelect website, tpdinsurance.com.au simply returns an error message. This certainly seems to be a lost oportunity, however iSelect already rank #2 for the term in Google and would probably get limited benefit from using this domain any differently.\nValue: $5,000 – $10,000\nComments: iSelect have scooped the trifecta with lifeinsurance.com.au, tpdinsurance.com.au and traumainsurance.com.au. Unfortunately this one also returns a nil result, but iSelect won’t be too upset since they also rank #1 for this term.\nValue: $20,000 – $50,000\nComments: Ordinarily a domain name with three words would no be considered as ‘super premium, but this particular domain would be one of the rare exceptions. Unsurprisingly this domain is also owned by iSelect, and as with their TPD and trauma domains it simply returns an error message when you attempt to visit the site.\nOwner: TIOTN Pty Ltd\nValue: $150,000 – $250,000\nUsage: Travel insurance business of the same name.\nComments: Finally we have a second premium domain name which is being properly utilised. Travelinsurance.com.au is a fully branded website offering travel insurance as a fully fledged business. Unfortunately for the owners of this website it does not rank very well in Google at all, which is a little unusual for a well used premium domain.\nOwner: H and N (Nominees) Pty Limited\nValue: $20,000 – $50,000\nUsage: Insurance brokerage of the same name.\nComments: The last domain we’ll look at is businessinsurance.com.au, and it’s pleasing to see that this is another very well utilised domain. The website is owned by an AFSL holder and contains plenty of great information about business insurance and about their company.\nSmall Business v Big Business\nIt’s interesting to see that other than those owned by iSelect and REA, many of the super premium domain names are not owned by big corporates.\nIt’s also clear that the smaller sized owners are utilising their domains in a far better fashion than the big corporates.\nThe reason for this may be that the big corporates can afford to buy up valuable domains and sit on them, whilst smaller businesses really need to generate a return on what will have been a fairly large investment in most cases.\nGoing back to iSelect, they own four of the best insurance domains available, being lifeinsurance.com.au, tpdinsurance.com.au, traumainsurance.com.au and incomeprotectioninsurance.com.au.\nThese four domains have a combined value of anywhere between $200,000 and $400,000 depending on who you ask, and potentially even up to one million dollars.\nBut each of the domains are completely underutilised, and there is probably little need for iSelect to develop the domains since they already rank #1 or #2 in Google for each term.\nSo why would they spend up big on buying them? One possible reason is to simply stop anyone else from getting them and doing something more substantial with the domains which could compete with iSelect’s main website.\nTo Be Continued\nIn part 2 of this article we will be asking some of the owners of these websites why they decided to invest in a premium domain name.\nWe hope to get some interesting answers to share over the next few months.\nIn the past this website was all about the services that I provided to financial advisers, insurance brokers and online publishers in the insurance space.\nBut I don’t really write much content for others now (basically none) so it’s time to change direction…\nWhilst I don’t write for others, I’m writing more than ever for my own company’s portfolio of websites, and I’m pleased to say that they’re going quite well.\nSo the new direction for this little blog of mine is to start sharing my views on insurance advice in the online world, along with reporting any news that I come across from around the place.\nIt’s certainly no secret that the internet is continuing to change the way that people search for personal and business insurance, and for those businesses that make the right decisions now I believe there will be major rewards in the not-to-distant future.\nThis blog entry will probably be of little interest to my regular readers, but I had plenty of trouble finding this information for myself, so I feel the need to share!\nI am writing this from Paris where I am enjoying a holiday with my wife. Whilst not a working holiday, I do have to keep fresh content on my websites to ensure those Google rankings stay strong during my six week absence.\nI’m using wifi wherever I can whilst overseas, which is fine for everything else, but when I tried to upload some new content via my FTP program I couldn’t get in. I tried instead to use the File Manager function through my WHM (web host manager) but that wouldn’t let me in either.\nThe thought of not being able to update my websites for six weeks almost made me sick! This wouldn’t be a problem if I used WordPress for all my sites, but for various reasons I don’t for my main business sites.\nSo anyway I searched and searched for a workaround and couldn’t find a solution, but finally I came across a gold nugget which saved the day!\nIf you are trying to access WHM from a wifi or other network which won’t allow access to the required port, simply use the following link as a workaround:\nIt’s as easy as that! From here you can access the cPanel for each domain you have hosted within your WHM.\nThis is instead of the usual IP address based URL which would look something like 123.456.789:2086\nSo disaster averted and I once again have access to upload new content to my non-Wordpress websites.\nFor more information on accessing WHM from an overseas or wifi network please visit the original page (link here) that saved me.\nI’ve just been reading through some old magazines which have been sitting on my desk for a few months and came across this little item in the June issue of The Adviser…\nThe article doesn’t mention the prices paid, but we know that homeloan.com.au was purchased for $100,000+ and homeloancalculator.com.au was purchased for $33,001.\nPreviously it was only known that homeloan.com.au sold for somewhere in excess of $100k, but given that this latest article talks about “hundreds of thousands of dollars” we can probably assume that the $100k figure was very conservative.\nWhilst I’d hardly call The Adviser a mainstream publication (I’m probably the only non-mortgage broker who reads it!) it is still good to see domain name sales getting attention outside of the domaining industry.\nI realise that these two domains have limited relevance to insurance, but with them still being in the overall finance industry it does show what a super-premium insurance domain name could potentially be worth.\nEvery day there are hundreds of domain names which expire and are sold to the highest bidder at auction.\nMany of these domains are deliberately left to expire, but unfortunately for the owners, sometimes the domains have unknowingly expired.\nIt can happen to anyone – even me!\nBelieve it or not, this almost happened to me today.\nOne of my content clients called me to let me know that my website (shanemoore.com.au) was down. I found this a little strange since I knew that other websites of mine on the same server were working fine, so the first thing I did was a whois search on the domain.\nThe result shocked me, as I saw that the domain had expired four days prior!\nThankfully domain owners are given around two months grace on their domains, so I was able to pay the renewal and fix the problem instantly.\nHow did it happen?\nIt happened in the same way that it happens to most other people. I had an old email address listed as the contact for the domain name, and therefore I never received the renewal notice.\nThe easiest way to avoid this problem is to ensure that the email address listed on each of your domains is current and actively checked.\nIt is also important to use a generic company email address rather than an individual employee’s address. Many companies have lost domains as the email address used for the domain was for a person who has since left the company. The email address is either cancelled or no longer checked, and therefore no one in the company gets the renewal, leading to the domain expiring and being lost.\nI couldn’t finish this article without mentioning a couple of well known examples within the domain owners community.\nOne of the best stories is that of hardware.com.au. This fantastic domain was owned by Bunnings, however they let it expire and it was subsequently snapped up by bitter rival Masters for just over $30,000.\nThis was an example of the email address being that of a former employee.\nAnother great example was investmentproperty.com.au. This domain was allowed to expire by it’s previous owner, and was snapped up by an astute buyer for a massive $125,000. Losing a six figure asset due to a missed renewal is not good!\nRegister your domains using an email address which you know will be available and monitored regardless of staff movements, and check your valuable domains from time to time to ensure that they are still active and have the correct contact details.", "domain": "finance"}
{"url": "http://crossfit-franklin.com/referral-program/", "date": "2017-03-24T15:52:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-13/segments/1490218188213.41/warc/CC-MAIN-20170322212948-00227-ip-10-233-31-227.ec2.internal.warc.gz", "language_score": 0.9621557593345642, "token_count": 107, "dump": "CC-MAIN-2017-13", "global_id": "webtext-fineweb__CC-MAIN-2017-13__0__145162706", "lang": "en", "text": "All new members who are referred by a current CrossFit\nFranklin athlete, and who sign up for any of the Unlimited Gold Membership options, will receive $50 off their first month\nof membership dues. The Referring athlete will also receive $50 off their membership\ndues for that same month.\n1. Refer 2 people? The referring athlete WILL receive their $50 off their monthly dues & the next month FREE!\n2. Refer 3+ people? Every additional referral will be $50 credit towards your membership.", "domain": "finance"}
{"url": "https://davelen.com/blogs/news/davelen-disposable-towels-the-cost-effective-solution-for-spas-salons-and-self-employed-hairstylists", "date": "2024-02-21T04:49:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473370.18/warc/CC-MAIN-20240221034447-20240221064447-00202.warc.gz", "language_score": 0.9677695631980896, "token_count": 650, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__72608359", "lang": "en", "text": "DAVELEN Disposable Towels: Saving Money for Spas, Salons, and Self-Employed Hairstylists\nSpas, salons, and self-employed hairstylists are all businesses that require the use of towels. Whether it's for drying hair or wiping down a client's face, towels are an essential part of these businesses. However, the cost of constantly washing and replacing towels can add up quickly. That's where DAVELEN Disposable Towels come in – offering a cost-effective solution that can save these businesses a lot of money in the long run.\nDAVELEN Disposable Towels are made of high-quality, absorbent material that feels soft to the touch, yet is sturdy enough to withstand multiple uses. They come in a variety of sizes and styles, so they can be used for everything from drying hair to wiping down surfaces. One of the biggest advantages of these towels is that they are disposable, meaning they can be used once and then thrown away.\nThis may seem like a small thing, but it actually has significant cost savings for businesses that use a lot of towels. Traditional towels require constant washing and drying, which uses a lot of water, electricity, and detergent. Additionally, towels can wear out quickly with frequent use, leading to the need for replacement towels on a regular basis. With DAVELEN Disposable Towels, all of these costs are eliminated. There's no need to wash and dry them, and they can be easily replaced when necessary.\nFor spa and salon owners, this means they can save money on water, electricity, detergent, and replacement towels. This can add up to significant savings over time, especially for businesses that use a lot of towels every day. For self-employed hairstylists who work out of their own homes or rent a chair in a salon, these savings can be even more important since they have to cover all of their own expenses.\nBut it's not just about the cost savings. DAVELEN Disposable Towels are also more hygienic than traditional towels since they are only used once and then thrown away. This reduces the risk of spreading bacteria or other germs between clients, which is especially important in a spa or salon setting where people are in close proximity to each other.\nAdditionally, DAVELEN Disposable Towels are eco-friendly. They are made from sustainable materials and can be recycled, making them a great choice for businesses that want to reduce their environmental impact. And since they are disposable, there's no need to worry about storing and washing large quantities of towels, which can take up a lot of space.\nIn conclusion, DAVELEN Disposable Towels offer a cost-effective, hygienic, and eco-friendly solution for spas, salons, and self-employed hairstylists. They can help these businesses save money on water, electricity, detergent, and replacement towels, while also providing a more hygienic experience for clients. With their high-quality materials and variety of sizes and styles, they are a great choice for any business that uses towels on a regular basis.", "domain": "finance"}
{"url": "https://www.diygirls.co.za/pages/t-c", "date": "2022-01-27T17:27:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320305277.88/warc/CC-MAIN-20220127163150-20220127193150-00677.warc.gz", "language_score": 0.9397414326667786, "token_count": 4733, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__93393545", "lang": "en", "text": "DIYgirls shall take all reasonable steps to protect the personal information of users. For the purpose of this clause, \"personal information\" shall be defined as detailed in the Promotion of Access to Information Act 2 of 2000 (PAIA). The PAIA may be downloaded from: http://www.polity.org.za/attachment.php?aa_id=3569.\nPayment options accepted\nPayment may be made via Visa and MasterCard.\nCard acquiring and security\nCard transactions for payment to DIYgirls will be conducted via PayGate (Pty) Ltd, an approved payment gateway for all reputable South African Banks. PayGate uses the strictest form of encryption, namely Secure Socket Layer 3 (SSL3) and no card details are stored on the DIYgirls website. Users may go to www.paygate.co.za to view their security certificate and security policy.\nCustomer details separate from card details\nCustomer details will be stored by DIYgirls securely, and all customer payment and card details are stored on PayGate’s secure site. For more detail on PayGate refer to www.paygate.co.za.\nMerchant Outlet country and transaction currency\nThe merchant outlet country at the time of presenting payment options to the cardholder is South Africa. Transaction currency is South African Rand (ZAR).\nFirst Party Service Provider\nDIYgirls is the direct first party service provider, responsible for provision of goods and services in a given transaction, including any sale of goods and services sold on this website, ancillary customer service and support, and associated dispute resolution.\nCountry of domicile\nThis website is governed by the laws of South Africa and DIYgirls chooses as its domicilium citandi et executandi, for all purposes under this agreement, whether in respect of court process, notice, or other documents or communication of whatsoever nature, the following address: 24 Arklow Road, Bryanston, South Africa, 2191.\nDIYGIRLS T's & C's\nBy ordering, purchasing, or receiving any products, good or services from DIYgirls, you irrevocably and immediately agree and bind yourself to the terms and conditions of sale and service as disclosed hereunder.\nIn these Standard Terms and Conditions, including the annexures to these Standard Terms and Conditions, unless a contrary intention clearly appears, the following terms shall have the meanings assigned to them in this clause and cognate expressions shall have corresponding meanings -\n- In these Standard Terms and Conditions, where any provision is qualified by the words “to the extent permitted by law” the Seller and the Purchaser agree that such provision shall only apply to the extent that the laws of the Republic of South Africa allow same to apply, on the basis that if the Seller is precluded from applying –\n- The Purchaser does hereby accept to be bound by the terms and conditions set out herein.\n- Quotations are valid for a period of 14 (fourteen) days from date of issue.\n- These Standard Terms and Conditions shall apply to all contracts of sale of goods and/or supply of services by the Seller to the Purchaser and no terms or conditions appearing in any of the Purchaser's documents, including the Purchaser's buying order, which are at variance with these conditions shall be binding on the Seller.\n- Should any order be given to the Seller on an order form reflecting the Purchaser's name as the entity from which the order emanates, such order shall be deemed to have emanated from the Purchaser, notwithstanding the fact that such order may have been given or signed by a person not authorised by the Purchaser and such order will be deemed to constitute a valid order.\n- Unless otherwise agreed in writing by the Seller, payment of the full purchase price of the goods and services shall be made by the Purchaser to the Seller by means of Electronic Funds Transfer (EFT) and shall be on account of any indebtedness of the Purchaser. Payment will be considered made when the amounts reflect finally and unconditionally in the banking account of the Seller. No payments by way of cash or any other negotiable instrument will be accepted by the Seller unless expressly agreed to by a Director of the Seller.\n7.1 The Purchaser shall be liable for any banking fees, costs or charges incurred when effecting payment of amounts due to the Seller. In the event that the Seller is charged such banking fees, costs or charges in relation to a payment made by the Purchaser, the Seller shall be entitled to invoice the Purchaser such costs – which shall then be immediately due and payable by the Purchaser to the Seller.\n- In the event of fraudulent activities which are perpetrated whereby a change of banking details is advised on the Seller's letterhead or by other means, the Purchaser agrees that any payment made to any other bank account shall not constitute a valid discharge of the Purchaser's obligation to make such payment. The Purchaser shall be obliged to notify the Seller of any receipt by it of a notification of change of banking details and shall only give effect thereto if same is confirmed telephonically and in writing by a Director of the Seller. All losses suffered as a result of any amounts being paid by the Purchaser into any bank account other than the account of the Seller shall be borne solely by the Purchaser.\n- Should the Purchaser become subject to a Credit Event the whole balance of any amounts outstanding by the Purchaser to the Seller whatsoever will immediately become due and payable, irrespective of any other agreements or orders to the contrary, and all outstanding work and obligations of the Seller, in respect of which the Seller was still to perform, shall be terminated with immediate effect and the Purchaser shall have no claim in relation thereto.\n- Notwithstanding anything contained herein, in the event of the Seller granting credit terms to the Purchaser, the Seller reserves the right to withdraw such credit terms at its sole discretion if it believes that the Purchaser's financial position has deteriorated after the date that the credit terms were granted. Further, it is specifically recorded that any credit limit granted by the Seller to the Purchaser is for the sole benefit the Seller, and the Purchaser shall not be entitled to rely on said credit limit as justification for any limitation of indebtedness to the Seller.\n- Should the Purchaser not make payment within 7 (seven) days of the due date for payment for any goods purchased or services provided then, the Seller shall be entitled to charge the Purchaser interest thereon at the rate of two percent (2%) per month calculated from the due date until payment (both dates inclusive) which interest shall be calculated daily and compounded monthly in arrears on the last day of each month.\n- Should the Seller have historically granted the Purchaser any discount or reduced charges in relation to the provision of goods or services, that discount or reduced charge is entirely at the Seller’s discretion and is not binding on the Seller nor shall it be automatically applied to any future transactions. Each discount offered by the Seller shall be considered an individual and singular transaction, and shall not constitute or form any practice common between the parties or on which the Purchaser shall be entitled to rely.\n- The Seller may agree to provide certain initial consultations, advice, or samples at a discounted or gratuitous preliminary rate or charge. If, however, the Purchaser elects not to proceed with a final order for goods or services in respect of these preliminary goods or services, the Seller shall be entitled to charge the Purchaser and recover its reasonable costs and expenses as agreed to between the Seller and the Purchaser before design phase or failing such agreement, to be determined by the Seller in its sole and absolute discretion in relation thereto.\n- To the extent permitted by law, the Seller shall incur no liability in respect of the non-delivery or late delivery of any goods or services ordered by the Purchaser or failure by the Purchaser to collect the goods. In the event that the Purchaser is, irrespective of the aforementioned, able to prove the Seller’s liability in relation thereto, the Purchaser’s damages, costs or losses shall be limited to a refund of any amounts paid in respect of the goods or services. NOTE: This clause limits and excludes the rights and remedies of the Purchaser and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.\n- Signature by the Purchaser, or by any representative of the Purchaser, to the Seller's delivery note, or certificate of completion, shall be regarded as acceptance by the Purchaser that the goods and services reflected in such note have been properly and completely received. Goods that are posted or are to be transported by a carrier according to the Purchaser's instructions shall be deemed to have been delivered to the Purchaser on receipt of the goods by the Post Office or Carrier, as the case may be. NOTE: This clause limits and excludes the rights and remedies of the Purchaser and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.\n- Risk in and to the goods shall pass to the Purchaser on delivery by the Seller, installation by the Seller where the Seller is responsible for such installation, or collection by the Purchaser.\n- Notwithstanding the delivery of any goods to the Purchaser, ownership thereof shall not pass until the Seller has received payment of the full purchase price. The Seller shall at its own discretion be entitled to demand the return of possession of any of the goods which have not been paid for and in respect of which payment is overdue, and apply for the necessary relief.\n- In the event that the parties have agreed that the Seller shall deliver the goods to the Purchaser, it shall do so entirely at its own discretion and by the method and route it selects. Should the Purchaser request any amendments to the delivery process, the Seller shall have the discretion whether to proceed in accordance therewith and to charge the Purchaser for any additional charges incurred.\n- The Seller may deliver, or make ready for collection, the goods as ordered by the Purchaser in portions or batches, and the Purchaser shall be obliged to accept delivery or collect said goods in the portions or batches as a divisible sale by the Seller. The Purchaser shall be liable to make payment for the consignment or portion as received from the Seller on the due date, irrespective of whether the balance of the original order has been received.\n- The Purchaser shall not permit or allow the goods or any portion thereof to become subject to any landlord’s lien or hypothec until the price payable therefore has been settled in full, on the basis that the Purchaser shall be obliged to inform the landlord of the premises at which the goods are stored from time to time (to the extent that such premises are not owned by the Purchaser), in writing, of the Seller's ownership of the goods and to provide the Seller with an acknowledgement of receipt from the aforesaid landlord of such notification.\n- To the extent permitted by law, the Purchaser shall have no claim for short or defective delivery, installation or collection unless the Purchaser has specified on the Seller's delivery note and/or invoice and/or certificate of completion the details of the alleged short or defective delivery. NOTE: This clause limits and excludes the rights and remedies of the Purchaser and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.\n- Where the Seller has agreed to the rectification of any snags or defects in relation to the provision of goods or services, the Purchaser shall be obliged to notify the Seller of any further snags or defects within a further five days of the Seller’s attendance to the rectification, failing which the Purchaser shall be deemed to have accepted the final goods and services in good order.\n- To the extent permitted by law, the Seller shall be exempted from and shall not be liable under any circumstances whatsoever for any indirect loss or damages of any nature (including, without limitation, consequential damages) or any loss of profit which the Purchaser may suffer as a result of: a defect in the goods or services; the goods failure to perform to desired specifications or services failure to meet desired specifications; any breach by the Seller of any of its obligations; arising out of the use of the goods; or the Purchaser’s dissatisfaction with the final presentation of the goods or services.\n- Should the Purchaser suffer any direct loss or damages as a result of the negligence of the Seller, or as a result of any defect in the goods or services, the Seller shall have the right, in its sole discretion, to remedy such loss at its own cost and through the use of its own contractors, services and products, within a reasonable period of time of being notified of such loss or damages by the Purchaser. Should the Purchaser refuse the Seller’s offer to remedy such loss or damages, the Seller shall be entirely resolved of liability and the Purchaser shall have no claim against the Seller in relation thereto. NOTE: This clause limits and excludes the rights and remedies of the Purchaser and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.\n- It is specifically recorded that the Seller renders services which require that the Seller have a degree of discretion in the implementation of the services or the specific goods to be provided to the Purchaser, in order to give effect to the Seller’s expertise as an artist and interior designer. The Purchaser accepts that, due to the nature of such services, the final product or services may vary, to a reasonable degree, from that which was originally discussed or negotiated between the parties, and the Seller shall have the final discretion on the execution of the services and selection of products which align with the Seller’s vision of the final design provided that the price and quality of such variation will not alter the quoted price and quality.\n- The Seller shall have the right to substitute the services or products with other services or products of equal or greater value, at the Seller’s discretion, and in the interests of execution of a final interior design plan or renovation.\n- Any intellectual property, of any kind, which is delivered, created, adapted, or developed during the course and scope of the Seller rendering the services or providing the products shall be the sole and exclusive property of the Seller, and the Seller shall own and have all right and title in relation thereto. Under no circumstances is the Seller deemed to have sold or otherwise disposed of any its intellectual property to the Purchaser or any third party.\n- To the extent permitted by law, the Seller shall have no liability in respect of any claim –\n- The Purchaser confirms that it has satisfied itself, prior to the purchase, that the products or services are fit for their intended purpose. The Seller does not, in any way, warrant the products will be fit for their intended purpose and the Purchaser shall, as a consequence, not have any claim against the Seller.\n- To the extent permitted by law, the Purchaser hereby agrees to indemnify the Seller against all claims of whatsoever nature which may be made against the Seller by any third party arising out of the use of the goods sold by the Seller to the Purchaser and/or the services provided by the Seller to the Purchaser, unless such claims arise out of gross negligence of the Seller. NOTE: This clause limits and excludes the Purchaser’s rights and remedies and places various risks, liabilities, obligations and legal responsibilities on the Purchaser.\n- In the event that the Seller has agreed to attend to any portion of the delivery or installation of the goods or physical rendering of services at the premises requested by the Purchaser, the Purchaser must ensure that the site for such delivery is prepared and ready to receive the goods or services. Any delays which result from the Purchaser’s failure to ensure that the site is prepared will entitle the Seller to charge the Purchaser for the additional costs of labour, storage, or transportation as the case may be.\n- Where the Seller has agreed to attend to installation of goods or rendering of services at the premises selected by the Purchaser, the Seller shall have no liability whatsoever in respect of any damage or loss suffered as a result thereof, or otherwise.\n- The Seller shall be entitled to apply any payments received from the Purchaser to whichever outstanding claims or debts as it sees fit, and entirely at the Seller’s discretion. Unless otherwise specified by the Seller, it shall be presumed that any payments received from the Purchaser are allocated to the payment of any interest accrued or legal costs incurred by the Seller, and thereafter to the oldest outstanding invoices and debts.\n- Should either Party commit a breach of these Terms, and fail to remedy such breach within 10 Business Days of having been called upon in writing by the other Party to do so then the aggrieved party may, in its discretion and on written notice to the defaulting party, institute any claims which the aggrieved party may have for damages or specific performance against the defaulting party in law or otherwise in these Terms and Conditions.\n- The Seller shall be entitled to bring any action or proceeding against the Purchaser in any competent court, and all costs incurred in any action including costs on an attorney/client scale and attorneys collection commission will be paid by the Party who is found to be at fault. The Purchaser and the Seller agree that the laws of South Africa will govern any dispute between the parties.\n- The parties hereby choose as their respective domicilia citandi et executandi for all purposes arising out of these Standard Terms and Conditions the addresses selected by the Purchaser and Seller as contained in these Standard Terms and Conditions, alternatively the address expressly recorded and notified to the other party in writing.\n- Any notice required to be given by either party to the other in terms of this agreement shall be in writing and shall either be delivered by hand or be forwarded by email or pre-paid registered post; and unless and until the contrary is proved, a notice:\n- Unless the context otherwise requires, the words importing the singular shall include the plural and vice versa, a natural person shall include an artificial person and vice versa and the one gender shall include the other gender and vice versa.\n- The Purchaser shall not, under any circumstances, be entitled to withhold or set-off payments to the Seller. A certificate from a manager or director of the Seller shall constitute prima facie proof of the Purchaser’s indebtedness. Furthermore, it is recorded that the Seller is obliged, by legislation, to comply with the requirements of the Trade and Metrology Act No 77 of 1973, and in terms thereof to regularly assize its weighing equipment. Accordingly, the quantity or weight of goods sold by the Seller and received by the Purchaser shall prima facie be presumed to be correct and accurate.\n- Where the Seller renders services to the Purchaser, including installation, construction, renovation, maintenance, repair, and interim operation of products, the Seller’s obligations shall be limited as follows:\n40.1 The Seller reserves the right to charge increased rates for labour and parts where such is required urgently or outside of business days from 09:00 to 17:00.\n40.2 The Seller will attend to services and call-out to the Purchaser’s premises when possible, but will not be obligated to do so under any circumstances.\n40.3 The Seller shall have the final unilateral discretion to select the date and time in which the services will be rendered, but the Seller will use its best endeavours to do so in accordance with the Purchaser’s requirements.\n- If the products ordered by the Purchaser are special order goods as defined in the CPA, the Purchaser shall not enjoy the rights afforded by Section 17 of the CPA, which include the cancelling of any advance order or booking.\n- The Seller may require advance payment of a reasonable deposit for any products or services yet to be rendered, and the Seller may impose a reasonable cancellation charge (which may be the entirety of the deposit) in the event of the Purchaser cancelling the order. The Purchaser acknowledges that the deposit and cancellation charge levied by the Seller is reasonable and fair in the circumstances. Further, the Purchaser acknowledges that the deposit may be utilised for the purchase of goods or construction materials which are non-refundable, and the Purchaser will have no claim for repayment of the deposit.\n- Where the parties have agreed that the Seller is to order goods or products which require importation from a country outside of the Republic of South Africa for sale and delivery to the Purchaser, the Purchaser shall be liable for any increase in the cost of said goods in excess of 5% of the total gross purchase price (between the date of placement of the order and the date of delivery of the goods), insofar as such increase is caused by a fluctuation in the exchange rate between South African Rands and the currency of the country from which the goods are ordered.\n- Where the Seller and Purchaser agree on the purchase price of specific goods in a currency other than South African Rands, the Seller shall be entitled to elect to receive payment in South African Rands at date of invoice or in the foreign currency as originally agreed.\n- Orders placed by a Purchaser, and which are based on any price list published or furnished by the Seller, shall be subject to the Seller’s confirmation and availability of stock.\n- Any warranty/guarantees provided by the Seller with respect to the products or services will be limited to that which is described in any supporting documentation, and failing any express warranty/guarantee provided by the seller in said supporting documentation, the Seller provides no warranty or guarantee whatsoever.\n- Any condonation of any breach of any of the provisions hereof or other act or relaxation, indulgence or grace on the part of the Seller shall not in any way operate as or be deemed to be a waiver by the Seller of any rights hereunder, or be construed as a novation thereof.\n- Each clause of these Standard Terms and Conditions is severable, the one from the other and if any one or more clauses are found to be invalid or unenforceable, that clause/clauses shall not affect the balance of these Standard Terms and Conditions, which shall remain of full force and effect.\n- These Standard Terms and Conditions together with the Seller’s official quote contains the entire agreement between the parties and any other terms thereof whether express or implied are excluded herein and any variations, cancellations or additions to this contract shall not be of any force or effect unless reduced to writing and signed by the parties or their duly authorised representatives.\n- The Purchaser's Representative who is signing on behalf of the Purchaser acknowledges having read these Terms and agrees that both he/she and the Purchaser (wherever applicable) are bound by them.\n- The amount and date of deposit will be determined by mutual agreement between the parties. Final payment for any goods and/or services will be effected on date of final delivery.", "domain": "finance"}
{"url": "https://ourfrenchways.com/blog/", "date": "2024-04-18T06:51:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817200.22/warc/CC-MAIN-20240418061950-20240418091950-00719.warc.gz", "language_score": 0.9375174641609192, "token_count": 477, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__85887534", "lang": "en", "text": "What does it take to qualify for Green Aids from the French Government in 2023?\nYes, in 2023. Because come next January, there will be a whole new package out there, which I will tell you all about when the time comes.\nOwn your Main Residence\nThe very first condition is that you direct the renovations to your main residence, and that the lodging was built more than 15 years ago. There do exist some aids for lodgings just over 2 years old, but they are scant, small, and only apply to lodgings you are planning to rent out.\nConditional on your Household Yearly Income\nBelow is where you will find your Household Yearly Income —or Revenu fiscal de référence in French.\nYou will then be able to verify, from the table below, whether you have a chance at eligibility:\nAs you will observe, there’s a first column in which you’ll find the number of people in the household —from 1 to 5 and then you add a certain income with each extra person.\nYou then have another four colour-coded columns which will give you an idea of what income category you belong to, the blue category being the one with the lowest incomes, and the pink one the highest eligible incomes. Over €69.000, do not expect to qualify for any sort of PrimeRénov’.\nAnd, There is still the VAT Reduction!\nIndeed, no matter how high your income, if you go through an RGE professional for your renovation works, you can still benefit from a 5.5% VAT, instead of 10%, or even in some cases 20%.\nYou will also receive a specific form from your RGE professional, that you can use when declaring your 2023 income next year and thus see your tax reduced thanks to your green works on your house.\nSo, you see? There are ways to get some money saved when renovating our old homes.\nAnd finally, there’s the Eco-PTZ —Éco-Prêt à Taux Zéro— which you can ask about at your bank.\nBut as mentioned earlier, there will be a whole new packaged-deal out in January next year! So, we’ll talk again.", "domain": "finance"}
{"url": "http://mediareleases.nt.gov.au/mediaRelease/31546", "date": "2020-07-12T18:12:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593657139167.74/warc/CC-MAIN-20200712175843-20200712205843-00039.warc.gz", "language_score": 0.9252874255180359, "token_count": 689, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__143793968", "lang": "en", "text": "25 Sep 2019\nThe Territory’s key Regional Tourism Organisations, Tourism Top End and Tourism Central Australia will each receive $150,000 in funding from 1 November 2019 to 30 June 2021.\nRegional Tourism Organisations are membership-based bodies that provide visitor information services, intra-territory marketing and work with the tourism industry, all levels of government and the community to grow a region’s tourism sector.\nThe funding supports Tourism Top End and Tourism Central Australia to continue to deliver the Business Enterprise Development Program, which assists tourism businesses improve their effectiveness in a highly competitive global marketplace.\nIn addition to delivering the Business Enterprise Development Program to its membership-based associations the funding will also go towards a range of projects, including business enterprise surveys, the annual Tourism: Towards 2030 Conference and the Brolga Northern Territory Tourism Awards.\nAs part of the funding agreement, Tourism Top End and Tourism Central Australia will partner with Tourism NT to develop an operator feedback tool to help determine the success of tourism and development support programs as well as provide a regular calendar of workshops to regional operators.\nQuotes from Department of Tourism, Sport and Culture Deputy CEO Andrew Hopper:\n“An investment in Tourism Top End and Tourism Central Australia is an investment in industry. Our industry bodies work hard to promote their regions, and this funding will help grow their capacity, and support the many ways they already help operators.\n“The Northern Territory Government is helping to grow the tourism sector through its Turbocharging Tourism initiative, which saw the release of the NT’s Tourism Industry Strategy 2030 earlier this month.\n“Developed in collaboration with industry the NT’s Tourism Industry Strategy 2030 sets the direction for the next 10 years with the holiday visitor target set between 1.18 million and 1.45 million holiday visitors by 2030, accounting for $1.46 billion to $1.79 billion in holiday visitor expenditure, which translates to a total of 3,900 potential new jobs in the tourism industry by 2030.\n“The tourism sector supports a total of 17,100 jobs in the NT as well as thousands of small to medium-sized businesses. Growing the sector will create more jobs in the Territory.\n“Through collaboration between Tourism NT, Tourism Top End and Tourism Central Australia, we can continue to work together to get the best outcomes for tourism Territory-wide, and ensure industry voices are heard from across the sector.”\nQuotes from Tourism Top End General Manager Glen Hingley:\n“The partnership support of government co-investing with the tourism industry in business enterprise development is beneficial to the future visitor economy of the Northern Territory.\n“Tourism Top End is grateful for the partnership support and is matching this with the creation of an Industry Development Manager role, along with related programs such as our Tourism Enhancement Program which is designed to help operators enhance and grow their businesses.”\nQuotes from Tourism Central Australia CEO Stephen Schwer:\nBusiness Enterprise program has been extremely useful for visitor economy businesses,\nand so I am pleased the NT Government have decided to keep it going.”\n“The one on one business mentoring has been received very positively, and in a time poor society, this mentoring will become increasingly necessary to help businesses grow.”\nMedia Contact: Department\nof Tourism, Sport and Culture – 0428 052 647", "domain": "finance"}
{"url": "http://www.taxjeanie.com/newsletter.php?nid=14907", "date": "2014-09-02T04:12:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-35/segments/1409535921550.2/warc/CC-MAIN-20140901014521-00028-ip-10-180-136-8.ec2.internal.warc.gz", "language_score": 0.8160281181335449, "token_count": 321, "dump": "CC-MAIN-2014-35", "global_id": "webtext-fineweb__CC-MAIN-2014-35__0__97502181", "lang": "en", "text": "Please feel free to read our client newsletter. It is provided to keep you up to date on the latest tax and accounting news.\n2008 Special Update Newsletter\nWhat does the recently passed $700 billion financial bailout legislation mean to you? With all the press and focus on the international banking system, many are overlooking $100 billion of the bill that directly impacts all taxpayers. This update tries to help make some sense out of the legislation.\n- Emergency Economic Stabilization Amendment of 2008\n- Protection for Savers\n- AMT patch set for 2008\n- Teachers save your receipts...AGAIN!\n- General State and Local Sales Tax Deduction\n- Qualified Tuition Deduction through 2009\n- Charitable Deductions from Individual Retirement Plans Extended\n- New Property Tax Deduction for Non-Itemizers Extended\n- Energy Savings Tax Credits\n- Child Tax Credit Changes\n- More Reporting Sent to IRS Starting in 2011\n- Business Tax Changes\nPlease contact us with any questions.\n- Posted on: 07/31/2014\n- Posted on: 07/03/2014\n- Posted on: 06/05/2014\n- Posted on: 05/01/2014\n- Posted on: 04/03/2014\n- Posted on: 03/07/2014\n- Posted on: 02/10/2014\n- Posted on: 01/02/2014\n- Posted on: 12/05/2013\n- Posted on: 10/31/2013\n- Posted on: 10/03/2013\n- Posted on: 09/05/2013", "domain": "finance"}
{"url": "https://metaverser.gitbook.io/internal-wiki", "date": "2024-03-03T22:08:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476399.55/warc/CC-MAIN-20240303210414-20240304000414-00170.warc.gz", "language_score": 0.9521012306213379, "token_count": 220, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__197793116", "lang": "en", "text": "Metaverser is a virtual world that enables users to have fun while playing inside its metaverse and earn income from different play-to-earn games. The game mixes the world of finance and gaming, providing gamers with opportunities to generate an income while they play. Gamers will have more control by adding real-world value to their online entertainment. They can participate in the game challenges, earn MTVTs and NFTs, and sell them at the marketplace and cryptocurrency exchanges. Assets are minted as non-fungible tokens (NFTs) and can be often traded on platforms outside the game’s universe. The magic of Metaverser is that whales are not the only winners in the game. Only the gamers with the right strategy and a certain amount of luck can get the final victory. Gamers can travel in the game using ports, train stations, and airports, complete missions, and earn real money alongside fulfilling their sense of curiosity in the process. Whether users are serious card players or DeFi enthusiasts, they can find their own happiness in Metaverser.", "domain": "finance"}
{"url": "https://www.cecabroad.co.in/study-in-new-zealand/", "date": "2024-03-04T20:33:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476532.70/warc/CC-MAIN-20240304200958-20240304230958-00524.warc.gz", "language_score": 0.9474180936813354, "token_count": 564, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__25872228", "lang": "en", "text": "You must submit evidence of sufficient funds for maintenance during your stay in New Zealand including:\nFinancial Undertaking Form/s (If more than one guarantor).\nAffidavit/s of Support from Guarantors (also stating the exact relationship of the guarantor with the applicant). The guarantor must provide the documents of evidence of their identity including date of birth, signature, and contact details including telephone numbers.\nAuthorization letter(s) from guarantors authorizing Immigration New Zealand to verify their financial documents on their behalf. If guarantors are outside India, the contact name and numbers/email addresses can be taken for verification by the Bank officials.\nThe students should provide evidence of funds upfront for courses for the first year inclusive of living expenses (NZ$ 15,000) in New Zealand. If the duration of the course is longer than one academic year, students should provide a plan of payment to show that they have access to funds and have the ability to meet the rest of the course cost and living expenses while they are studying in New Zealand.\nThe following evidence of funds can be accepted:\nEducation loan sanction letter from a nationalized or multinational bank only\nLatest bank statements for the past 6 months. It should not be more than 1 week old at the time of lodgment of the application. Please ensure that statements and not balance certificates are provided.\nFixed Deposits. In case of providing fixed deposits as evidence of funds please ensure that a copy of the deposit along with a letter from the bank giving the details of the deposit is provided.\nPublic Provident Fund Accounts/Employers Provident Fund Accounts.\nPost Office Accounts.\nNational Saving Certificates.\nAcceptable Payment Plan\nEPF or GPF accumulated over a period of 1 year\nNSC’s due to mature in the following year\nKVP’s due to mature in the following year\nLIC due to mature in the following year\nFunds Transfer Scheme\nImmigration New Zealand has introduced a system wherein the students are able to choose to transfer their living expenses of 12 months to a bank account in New Zealand which will be in addition to paying a tuition fee for 1 year. The amount is deposited in the bank and is sealed for a year, and is then provided to the student on a prearranged basis.\nThe fund transfer option is available for the students who are genuinely intended to stay in New Zealand and do not have sufficient funds that are 6 months old. Here the student is made to transfer $15,000 to the NZ’s bank account through which the student is provided only $1,250 per month for his/her living expenses. Students who opt for this option find no need to verify any documentary evidence to demonstrate their source of funds.", "domain": "finance"}
{"url": "http://www.uhnm.nhs.uk/news/pages/Solar-Power-Scheme-total-continues-to-rise.aspx", "date": "2018-06-24T22:00:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267867095.70/warc/CC-MAIN-20180624215228-20180624235228-00244.warc.gz", "language_score": 0.9692364931106567, "token_count": 332, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__73185021", "lang": "en", "text": "University Hospitals of North Midlands is delighted to announce that £184,000 has been raised for the Community Energy Scheme.\nThe scheme, launched on Monday 25 July, will install more than 1,000 solar panels across the Trust, the largest ever installation at a NHS Trust. The £184,000 raised so far equates to 55% of the £335,000 target, this has been achieved with valuable contributions from across the Trust and wider afield. Investment into the scheme can be as little as £100, which will secure investors a return of 4.5% and help generate a community fund which will be used by 'Beat the Cold' charity to help tackle fuel poverty in the area.\nBy helping the 'Beat the Cold' charity, the scheme is not only helping improve the living conditions of the local population, but also it is hoped that this project can have a measurable long-term impact on the health and wellbeing of those currently effected by fuel poverty.\nCharlie Cox, Energy Manager, said: \"The investment figures for the scheme have been very encouraging in such a short space of time. I would like to thank everyone who has invested so far and it's been very pleasing to see so many people get involved with a scheme that will have so many positive benefits. The project really is a unique opportunity not to be missed. However, there is still a lot of work to be done to reach our final target and we are hopeful that the total will continue to rise over the coming days and weeks.\"\nFor more information and to invest in the scheme, please visit: www.ethex.org.uk/SSCE", "domain": "finance"}
{"url": "https://saltrivertherapy.com/insights/can-money-buy-happiness", "date": "2024-02-20T22:07:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473347.0/warc/CC-MAIN-20240220211055-20240221001055-00391.warc.gz", "language_score": 0.9490579962730408, "token_count": 759, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__128785459", "lang": "en", "text": "When I was growing up, I remember my parents encouraging me not to center my thoughts and goals around money. They warned me with the old adage, “money can’t buy happiness”.\nAs I became an adult and gained financial independence, I started to understand the truth is a little more nuanced than that. Money can’t exactly buy happiness… but it sure can help.\nAdditionally (and more urgently), having money means avoiding the mental health struggles that often come with financial challenges.\nHow financial stress impacts mental health\nStudies show that people without adequate and stable financial resources are more prone to mental health challenges such as depression and anxiety. In severe instances, particularly situations involving insurmountable debt, financial stress increases the risk of suicide.\nEconomic challenges greatly impact a person’s autonomy and sense of mastery over their own life. This lack of control is detrimental to self-esteem and mental wellbeing.\nChoices like picking up an extra job, moving out of the family neighborhood, and skipping indulgences for your children start to be made out of necessity, not desire. Those who receive public assistance or support from non-profit organizations are compelled to “follow the rules” in order to be eligible for help, losing the dignity of making the small everyday decisions in their lives that other people enjoy.\nLong-term or lifelong financial stress is a chronic traumatic experience. Like other traumas, it can cause you to get stuck in the reactive modes of fight, flight, freeze, and collapse, limiting your mental and emotional flexibility.\nA vicious cycle\nMany of the ways that money impacts mental health are self-reinforcing. For example, if you are forced to spend virtually all your time earning money to try to make ends meet and solving financial crises, you don’t have the time or energy to grow in other areas of your life – there’s nothing left of you to spend on hobbies, relationships, or frivolities. Without those sources of joy, you are at even more risk of becoming depressed.\nConstant hustling is also hard on the body – financial difficulties often cause you to sleep less, get less nutrition, and endure more physical strain. These physical stressors also impact mental health, as they can increase anxiety and other emotional difficulties.\nLacking financial resources carries a lot of stigma, and discrimination against people who are poor or low income is rampant in society. This can create social isolation and unfair loss of opportunity, adding on more mental and emotional stress.\nSerious mental health crises that involve hospitalization or a period of time where you are unable to work can be very financially costly, due to medical bills and loss of income. Without adequate financial resources to cushion you, your recovery might stall or even be interrupted by relapse because you push yourself to go back to work too soon or get stressed out from being harassed by debt collectors.\nNavigating money and mental health\nThe challenges that financial strain puts on mental health is ultimately a societal problem. Structural issues create artificial resource scarcity and allow only the privileged to gain and maintain true financial wealth.\nBut like my parents said, money can’t buy happiness – nor can it guarantee good mental health. Studies show that the effect of income on emotional wellness eventually plateaus, and past that point, more and more riches cease having an impact.\nIf you’ve been looking at your relationship with money or have been wondering why success and spending aren’t making you happy, therapy can guide you in digging deeper into those questions. Click the button below to set up a consultation, and we can chat more about your journey so far and how I might be able to help you go further.", "domain": "finance"}
{"url": "https://www.scavomedia.com/navigating-the-regulatory-maze-producing-legally-approved-financial-videos", "date": "2024-03-05T15:06:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948235171.95/warc/CC-MAIN-20240305124045-20240305154045-00778.warc.gz", "language_score": 0.9013785123825073, "token_count": 461, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__199228973", "lang": "en", "text": "In the finance industry, the accuracy and legality of information are paramount. To ensure full compliance while producing financial videos, firms must follow a careful procedure that involves script approval, teleprompter use, post-production reviews, and more. The process can be intricate, but it's crucial for maintaining trust and credibility.\nEnsuring Compliance: A Step-By-Step Approach\nStep 1: Crafting the Script\nThe journey towards a compliant financial video starts with a well-crafted script. The script should contain accurate, clear, and comprehensive information about the financial topic at hand, with a strong focus on transparency.\nStep 2: Compliance Review\nOnce the script is drafted, it is sent to the compliance team for review. The compliance department, well-versed in regulatory requirements, will scrutinize the script to ensure it complies with all relevant laws and regulations. They will suggest edits or modifications as necessary.\nStep 3: Using a Teleprompter\nTo guarantee accuracy and adherence to the approved script, using a teleprompter during the recording phase is a best practice. This ensures that the exact wording approved by the compliance team is used, reducing the risk of miscommunication or inadvertent misinformation.\nStep 4: Post-Production and Second Compliance Review\nOnce the video is edited and finalized, it's sent back to the compliance team for a final review. This step is crucial to ensure that the content, visuals, and narrative align with the approved script and meet all regulatory standards.\nThis robust process nearly guarantees the production of legally compliant financial videos. However, while compliance is critical, it should not dampen creativity and engagement.\nBalancing Compliance and Creativity\nEven with stringent regulations, there is room for creativity in financial video production. Engaging visuals, creative storytelling techniques, and a conversational tone can make these videos interesting for the viewers. The key is to use creativity to enhance the clarity and comprehension of the financial content, not to dilute or obscure it.\nIn conclusion, producing compliant financial videos is a meticulous process that requires cooperation between content creators and compliance teams. By adhering to this process, finance firms can ensure they produce videos that not only educate and engage their audience, but also uphold the trust and credibility so essential to their industry.", "domain": "finance"}
{"url": "http://www.facil.co.il/Services/Sell.html", "date": "2023-12-01T22:14:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100308.37/warc/CC-MAIN-20231201215122-20231202005122-00255.warc.gz", "language_score": 0.938405454158783, "token_count": 2048, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__300320055", "lang": "en", "text": "So, you decided to engage in sales in Russia, which means that you will inevitably run into the import of goods.\nImport of goods should be understood as a process characterized by the importation of products produced abroad of Russia for the purpose of local consumption, the subsequent sale of imported goods or the re-importation of goods.\nThe company plans to expand interests and engage in foreign economic activity, always strives to think over the optimal scheme for importing goods to Russia, which will take into account its material benefits and, not least, time costs.\nHowever, the import of goods to Russia is a rather complicated procedure and is very different from similar activities, for example, in the European Union. Despite this, a lot of European and American companies show a genuine interest in the issue of importing their goods to the territory of Russia and the countries of the Customs Union.\nThe Russian Federation accession to the World Trade Organization positively influenced to the import of products from foreign countries. In particular, there was a reduction in customs duties on many types of goods, which made the Russian market more attractive for foreign companies. But the procedures for passing customs control remain very complicated.\nThe procedure for importing products into Russia is regulated by the Customs and Tax Codes of the Russian Federation. All imported goods must be taxed: there is a collection of customs duties, excise duty, VAT (value-added tax) and other types of customs duties are levied. The fees are paid by the importer (declarer) or the importer's authorized representative, whose powers are to represent the interests of the importer at the time of crossing the border and are confirmed by the relevant documents.\nDocuments For Importing Goods To Russia.\nThe rules for the import of goods into Russia presuppose the mandatory registration the following documents :\n- The constituent documents of the company that buys goods - your Russian company (copies).\n- Original properly formed (according to the \"Requirements for the contract\") contract and its two copies, which will be the seal of the acquiring company.\n- Passport of the import transaction (copies certified by the bank, copies certified by the buyer).\n- Accompanying documents related to the goods arrived, which will indicate the current details of the buyer and seller, the number assigned to the contract, the cost of the products, the essential terms of delivery (all the data above must necessarily coincide with the same data , specified in the contract).\n- Translated invoice of the goods, certified by the seal of the company.\n- Documents confirming the company's license to conduct foreign trade, various certificates and other permits (when required).\n- Payment order or any other document confirming the payment of customs fees (original).\n- Information (packing list) on the packing material, weight of the products, the number of seats for the expected consignment should be indicated - relative to each item of the goods.\n- Other documents mentioned in terms of delivery and contract. For example: a bill of lading (if carried by sea); TIR, CMR (if road transport is carried out); documents confirming cargo insurance; documents confirming the availability of prepayment, and others.\n- Documents confirming the customs value of the products: transportation documents, documents confirming insurance (if specified in the terms of the contract), documents in which the transport costs are indicated, if those were not specified in the invoice.\nThe Customs Service May Request The Following Additional Documents :\ncustoms declaration of the sending country, certified by the seller;\n- Additional contracts concluded with persons related to the transaction;\n- Accounts for payments to third parties in favor of the seller;\n- Accounts related to commission, brokerage services and related to valued goods;\n- Payment accounting documents;\n- Licensing or author's agreements;\n- Licenses for export / import;\n- Receipts from storage warehouses;\n- Documents confirming the order of delivery of the goods;\n- Catalog, specification, price-list from the manufacturer;\n- The calculation made by the manufacturer on the goods being valued (if firm agrees to provide such a calculation to the buyer from the Russian side);\n- Payment and other documents related to the conduct of similar transactions or the purchase of similar goods;\n- Other documents that can confirm the value of the goods declared in the customs declaration.\nIf the goods after crossing the border are delivered to the destination point by the territory of Russia, the shipping cost is deducted from the customs value. However, in order to carry out the recalculation, clear documentary evidence is required that the goods were transported through the territory of Russia, and evidence of such deductions and their quantity.\nThis can be contracts for the delivery of goods, which will indicate the cost of delivery and payment method, invoices indicating the details of the parties, documents confirming the payment for delivery services in accordance with the invoice.\nArticle 19.1 (a) of the Russian Law \"On Customs Tariff\" states that the cost of delivery includes the cost of transporting the goods, the cost of work related to unloading and loading of goods, the cost of cargo insurance. Accordingly, when the question of reimbursement of customs value is considered at the expense of the cost of delivering goods across Russia from the place where it was imported, each component of the cost of delivery is considered separately, since the cost of transportation will depend on the distance, loading operations - on the weight of the goods, and insurance - of the cost of the goods themselves.\nThe following explanatory materials are provided for a specific products: booklets, samples, technical description of the goods, drawings and so on. Copies of these documents must be certified by the seal of the acquiring company.\nUnder What Scheme Realized Import Of Goods To Russia?\nImport of goods to Russia can be dealt independently, thoroughly studying the current legislation. But if there is a big deal and it is necessary to reduce the possible risks to zero, the intermediary should be connected to the import procedure. We are ready to take all the necessary obligations on ourselves and save you from documentary red tape. However, you need to know that there are two most common import options :\nThe First Import Scheme\nThe first scheme of import of goods to Russia is used for residents of the Russian Federation. It is convenient for companies that need to purchase goods abroad, but they do not plan to become participants in foreign economic activity.\nTo do this, these organizations adress to the services of an intermediary company, reducing the possible risks associated with the import of goods and avoiding the payment of additional taxes on the territory of Russia. Currency operations (if there is a need for them) are performed by the intermediary, so the customer may not open his own currency account, for transactions with the intermediary, it will be sufficient to have an already existing ruble account.\nParticipants In The Scheme :\n- A resident (a Russian firm) planning to purchase goods abroad and at the same time wishing to protect themselves from the perceived risks that may arise, for example, in the process of customs clearance of imported goods; (your Russian representative office or company).\n- The intermediary (the importer company), taking on the customs clearance of the goods (our company) arriving in Russia, and selling the imported goods to the resident;\n- The supplier (the foreign seller of the goods and most likely the sender of the goods-YOU).\n- Currency control and customs authorities do not check the resident when importing goods to Russia and after their release for free circulation;\n- There is no need to participate in each related procedure: - Registration of the organization in customs authorities;\n- Registration of a foreign trade contract;\n- Opening a passport of the transaction in the bank;\n- Control of storage times in temporary storage warehouses.\nTo implement the scheme, the intermediary and the resident can conclude a commission agreement or a contract of sale. An intermediary on behalf of a resident enters into a foreign trade contract with a supplier for the import of goods and services to Russia. If necessary, prepayment for the goods is made, this is done by the intermediary.\nThen the goods are delivered to the address indicated by the intermediary, and then he carries out customs clearance of the cargo.\nThe Second Import Scheme\nThe second scheme of imports to Russia is used for non-residents (foreign persons). As a rule, it is used in companies that are manufacturers, forwarders, carriers, or in any other foreign companies interested in exporting their products. This option is used when the customer in Russia wants to buy goods and at the same time does not want to deal with importation, customs clearance, participate in foreign currency foreign trade transactions.\nParticipants In The Scheme :\n- Non-resident (foreign organization);\n- The importing company (the consignee of the goods) registered in Russia, engaged in the customs clearance of cargo in Russia and selling goods issued by a foreign company;\n- A customer (buyer) who has a registration in the territory of the Russian Federation and who wants to buy goods in any country, but he does not want to deal with customs clearance issues and be under currency control by the auditors.\n- Conclusion of an agreement with the customer, prepayment by the customer on the basis of the concluded agreement;\n- Conclusion of a foreign trade agreement with a non-resident;\n- Purchase of goods abroad and import to Russia;\n- Customs clearance of goods;\n- Payment of state duty and VAT;\n- Sale of goods to the customer.\n- The customer removes all risks, because the prepayment is paid by the Russian company, and there are no problems associated with the customs clearance of the import of goods to Russia.\nWe will take care of all these hardships.|\nWe will provide legal advice, select an office and legal address, hire a General Director or offer you a nominee as long as you do not choose your representative for this position, we will help to complete all the documentary processes and even will hire a staff!", "domain": "finance"}
{"url": "https://lians.ca/news/fraud-alert/2019/08/27/fraud-alert-bc-lawyers-fall-victim-to-social-engineering-scam/", "date": "2024-02-29T00:47:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474775.80/warc/CC-MAIN-20240229003536-20240229033536-00064.warc.gz", "language_score": 0.9695549011230469, "token_count": 663, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__33978180", "lang": "en", "text": "The following is an excerpt from a fraud alert recently posted to the Law Society of British Columbia, with a scenario that could also threaten Nova Scotia lawyers:\n“Two BC law firms, one in BC’s interior and one in downtown Vancouver, have recently fallen victim to sophisticated social engineering frauds involving millions of dollars. One firm redirected over half a million dollars in sale proceeds that it was holding in trust for a real estate client. The firm’s original instructions were received in-person, from the client. Before wiring the funds to the client as originally instructed, the firm received an email, purportedly from the client but in fact from the fraudster, directing that the funds be wired to a different account. The client never received the funds as the lawyer sent the funds to the fraudster’s account. In this case, the email address used by the fraudster was identical to that used by the client.\nThe second firm redirected over 1.5 million dollars in investment funds it was holding in trust for a corporate client raising capital in a securities transaction. The firm originally received payment instructions from the corporate client. As in the first fraud, before wiring the funds to the client, the firm received an email, purportedly from the client but that was actually from the fraudster, directing that the funds be wired to a different bank account. The funds were sent to the fraudster and not received by the client. In this case, the email address used by the fraudster was identical to that used by the client, except for one letter.\nProtect yourself from liability.\nAny time a payment of trust funds is imminent, assume that a hacker is also aware. Any client’s or lawyer’s email account can get hacked allowing a fraudster to perpetrate a social engineering fraud on the lawyer. Establish due diligence protocols for transferring funds and ensure all staff receive training and adhere to them.“\nAs we’ve warned in the past, we bring this to your attention for several reasons. First, and we do not want to scare you, but you should take appropriate steps to confirm, perhaps by phone, that emailed fund transfer instructions you receive from a client, especially if they seem odd or are significantly different from your original instructions, (which could include a wire transfer to a foreign country) are correct. Second, social engineering fraud is not part of the cyber coverage we offer in our policy. In the similar cases, coverage has been denied by a cyber insurer when the lawyer/firm did not have the social engineering rider on its commercial cyber policy. Third, depending on the facts, there may not be coverage for such a fraud under the professional liability part of your insurance policy either. Accordingly, a lawyer falling victim to such a fraud who lacks appropriate insurance coverage could be in the position of having to reimburse their trust account for the loss.\nWhere possible, use the Large Value Transfer System (LVTS), an electronic funds transfer system that allows large payments to be exchanged securely and immediately.\nFor tips to avoid being victimized, visit the Fraud section on lians.ca. To report or seek advice on dealing with fraud and scam attempts, contact Cynthia Nield at [email protected] or 902 423 1300, x346.", "domain": "finance"}
{"url": "https://www.breakthroughmusicschool.com/info", "date": "2023-12-05T15:36:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100551.2/warc/CC-MAIN-20231205140836-20231205170836-00446.warc.gz", "language_score": 0.9111555814743042, "token_count": 670, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__204788194", "lang": "en", "text": "Music Lessons + Studio\nALL AGES • ALL SKILL LEVELS • ALL WELCOME\nMusic Lessons, Practices, Events, and Parties By Appointment\nMONDAY-THURSDAY: 1:00 PM-8:00 PM\nSATURDAY: BY APPOINTMENT\nNEXT TO DINOSAUR EGG\n$130 per month for weekly 30 minute lessons\nDiscounts are available for families with multiple students or multiple weekly lessons\n$40 per half-hour lesson\n$70 per hour lesson\nPAYMENT POLICY: Tuition is paid by automatic payment on the fifth day of each month and may be canceled without penalty 14 days prior to end of student's final enrolled month. There is no long-term contract or enrollment fee.\n24 HOURS NOTICE: 24 hours cancellation notice must be sent (call, email or text) to the studio manager for a make-up credit to be issued. For our scheduling purposes, we are going to be quite literal about this. Lessons canceled less than 24 hours in advance or simply missed will be counted as a credited lesson due to our reserving the time slot for your student and our instructor preparing accordingly for this lesson. This policy helps us create a quality time of instruction for your student by allowing us to plan ahead. There will be no exceptions.\nSCHEDULING A MAKE-UP LESSON: If you have given 24 hours prior notice for your missed lesson, you can schedule a make up with your instructor anytime within his/her posted teaching hours.\nMISSING A MAKE-UP LESSON: There are no \"make-ups\" for missed make up lessons.\nCANCELLING MONTHLY LESSONS: If you cancel monthly lessons, you must complete your last paid contract to the end of that month. It is your choice if you would like to attend those remaining lessons.\nFIFTH-WEEK LESSONS: Every student receives 48 lessons per year; that is one lesson every week except for 4 designated holiday weeks. Some months you will receive five lessons and other months you will receive four lessons depending on the day of the week that the month falls on. Both Fifth-Week Months (where you have five lessons in a month, instead of four) and Holidays are calculated into your monthly tuition. We calculate our holidays so that these fifth-week lessons make up for missed lessons due to holidays. For this reason, tuition stays the same each month, and you can expect weekly lessons with the exception of the holidays posted below.\nHOLIDAYS: On some months, your lesson will fall on a holiday - like the Thursday of Thanksgiving. These holidays are factored into your tuition rate. Every student receives 48 lessons per year (an average of four per month). The months that you receive fifth-week lessons will make up for our holiday break. This is so that you are not charged extra on some months, and less on others. Simple! So, no make-ups will be needed for these lessons, and your tuition will still remain the same.\nSpring Break // March 14-18\nSummer // July 4 & 5\nThanksgiving // November 22 - 25\nWinter Break // December 18 - January 1", "domain": "finance"}
{"url": "http://rubyplusafrica.blogspot.com/2015/12/mark-zuckerberg-becomes-daddy-plan-to.html", "date": "2018-07-21T23:00:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676592861.86/warc/CC-MAIN-20180721223206-20180722003206-00251.warc.gz", "language_score": 0.9590519070625305, "token_count": 391, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__193085642", "lang": "en", "text": "Mark Zuckerberg Announces recently announced the birth of his baby girl on his website; Facebook. His wife Priscilla Chan has given birth to a baby girl and they have named her Max. In the spirit of love and joy Mark announced that he plans to give away 99% of his Facebook stock over the course of his life. That is a gift currently worth $45 billion.\nThe Facebook CEO Zuckerberg is currently the 7th richest person in the world, according to Forbes’ Real Time Billionaires ranking, with a net worth estimated at $46.8 billion.\nZuckerberg made his stock giveaway promise official in a filing with the Securities and Exchange Commission. The filing says:\n“On December 1, 2015, our Founder, Chairman and CEO, Mark Zuckerberg, announced that, during his lifetime, he will gift or otherwise direct substantially all of his shares of Facebook stock, or the net after-tax proceeds from sales of such shares, to further the mission of advancing human potential and promoting equality by means of philanthropic, public advocacy, and other activities for the public good. For this purpose, Mr. Zuckerberg has established a new entity, the Chan Zuckerberg Initiative, LLC, and he will control the voting and disposition of any shares held by such entity. He has informed us that he plans to sell or gift no more than $1 billion of Facebook stock each year for the next three years and that he intends to retain his majority voting position in our stock for the foreseeable future.”\nIn a letter to their baby girl, Mark spells out the purpose of the Chan Zuckerberg Initiative will do:\n“As you begin the next generation of the Chan Zuckerberg family, we also begin the Chan Zuckerberg Initiative to join people across the world to advance human potential and promote equality for all children in the next generation. Our initial areas of focus will be personalized learning, curing disease, connecting people and building strong communities.”", "domain": "finance"}
{"url": "https://www.agharvest.org/donate", "date": "2019-10-18T15:59:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986684226.55/warc/CC-MAIN-20191018154409-20191018181909-00284.warc.gz", "language_score": 0.947947084903717, "token_count": 200, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__215238180", "lang": "en", "text": "You can make a difference, and together we can impact our community and our world with the absolutely life-changing message of Jesus Christ.\nHere at Harvest Church we believe in the biblical principal of bringing the first 10%(tithe) of your income into the storehouse(the church) talked about in Malachai 3:10. The Bible talks about the principal that it is much more blessed to give than to receive(Acts 20:35). We believe that every person that entrusts and commits their finances to God can, and will experience the kind of blessing described in Luke 6:38:\n\"Give, and you will receive. Your gift will return to you in full--pressed down, shaken together to make room for more, running over, and poured into your lap. The amount you give will determine the amount you get back.\"\nWhen you give, you partner with God's church to advance the Kingdom of God in our community, and around the world!", "domain": "finance"}
{"url": "https://www.4amolar.com/patient-info/payment-options/", "date": "2023-12-07T04:40:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100632.0/warc/CC-MAIN-20231207022257-20231207052257-00532.warc.gz", "language_score": 0.9528600573539734, "token_count": 382, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__28496186", "lang": "en", "text": "When it comes to costs of any sort, none of us like surprises. Our policy is to tell you, in advance of any treatment, what your investment will be and make definite financial arrangements before we begin. The emphasis in our office is on providing the highest quality care at a fair fee.\nAfter your initial examination, diagnosis and consultation, we will review with you our recommended treatment plan and its estimated cost. We will also offer alternatives and their costs.\nOccasionally, we may modify the treatment plan and its estimated cost somewhat as therapy progresses. This happens only if additional treatment or changes become necessary. Usually, we will complete the specified procedures for the quoted fee. We only ask that you begin treatment within three months from the date of the presentation and complete treatment within a 12-month period so we may honor the quoted fee.\nTo make payment as convenient as possible, we offer several methods. Our office manager is available to discuss financial arrangements and help you select the method of payment that best meets your needs.\nOur office is committed to helping you maximize your insurance benefits. Because insurance policies vary, we can only estimate your coverage in good faith but cannot guarantee coverage due to the complexities of insurance contracts. Your estimated patient portion must be paid at the time of service. As a service to our patients, we will bill insurance companies for services and allow them 45 days to render payment. After 60 days, you are responsible for entire balance, paid-in-full. If you have any questions, our courteous staff is always available to answer them.\nCareCredit is a flexible patient/client payment program, specifically designed for healthcare expenses, that makes it easier for you to get the treatment or procedures you want and need. CareCredit is ideal for co-payments, deductibles, treatment and procedures not covered by insurance and can be used at over 35,000 practices nationwide.", "domain": "finance"}
{"url": "http://kalibratetechnologies.applytojob.com/apply/job_20170614135204_P5DMK7GLUOYNJ9LR/Staff-Accountant?source=GS", "date": "2017-06-24T08:33:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-26/segments/1498128320243.11/warc/CC-MAIN-20170624082900-20170624102900-00136.warc.gz", "language_score": 0.910166323184967, "token_count": 371, "dump": "CC-MAIN-2017-26", "global_id": "webtext-fineweb__CC-MAIN-2017-26__0__70131470", "lang": "en", "text": "JOB TITLE: Staff Accountant\nEXEMPT Y/N (US Positions only): NO\nSUPERVISOR: Director of Accounting\nThe Staff Accountant is responsible for assisting the Senior Staff Accountant with the daily operations of the Finance Function in the US.\nESSENTIAL DUTIES AND RESPONSIBILITIES include the following.\n- Coordinate setup and communication of project numbers for executed contracts\n- Coordinate billing and collection process for US operations (ensure communication with Sales team)\n- Pay invoices by verifying transaction information; scheduling and preparing disbursements; obtaining authorization of payment\n- Record activity related to items #2 and #3 in the SAP Business One accounting system\n- Record activity related to monthly accruals\n- Respond to all customer and vendor inquiries\n- Assist Senior Staff Accountant with cash forecasting\n- Ensure documentation of accounting procedures are maintained\n- Maintain effective business relationships with accounting and finance departments and outside business departments.\n- Special projects as assigned\nTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.\n- Experience with SAP accounting is preferred but not essential\n- Requires a minimum of 3-8 years’ experience in a finance role\n- Extremely detail oriented\n- The ability to work well independently as well as part of the team is essential\n- Excellent time management skills are essential\n- Proven ability of meeting all required deadlines\n- Experience in a multi-country environment is desirable but not essential\n- Communication with international regional office personnel during non-business hours as required\nKalibrate is an Equal Opportunity Employer", "domain": "finance"}
{"url": "http://www.crbchecks4u.co.uk/prices.html", "date": "2015-10-07T15:39:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-40/segments/1443737867468.81/warc/CC-MAIN-20151001221747-00127-ip-10-137-6-227.ec2.internal.warc.gz", "language_score": 0.8951770663261414, "token_count": 235, "dump": "CC-MAIN-2015-40", "global_id": "webtext-fineweb__CC-MAIN-2015-40__0__64372818", "lang": "en", "text": "CRB CHECK PRICES:\nWe currently work with many companies throughout England providing CRB Disclosures for people working with children or vulnerable adults. The following prices apply for the services currently offered by CRBCheck4u.\n|Item:||CRB fee (£)|\n|Any Voluntary Position||0.00|\n|ISA Adult First Check||6.00|\n|CRB Check||10.99 per disclosure|\n|ISA Adult First Check||1.99 per disclosure|\nAll prices are exclusive of VAT and will be charged at the prevailing rate.\nPlease Note: If an application is incomplete or information is missing and the CRB Check requires re-submission to you or your applicant for further information or evidence then an additional administration charge will apply at a rate of £5.99 plus VAT at the prevailing rate per disclosure. To avoid this, please complete the form carefully and complete the additional form we send to you as well as the CRB Disclosure Application. Please include ALL information requested.\nWe will only process checks once payment is received.\nWe accept the following types of payment:\n- Postal Order", "domain": "finance"}
{"url": "https://www.thefairplayfoundation.org/post/gotb-receive-funding-to-start-women-and-girls-football", "date": "2024-04-13T19:39:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816832.57/warc/CC-MAIN-20240413180040-20240413210040-00507.warc.gz", "language_score": 0.9656388163566589, "token_count": 115, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__26069349", "lang": "en", "text": "We are delighted to announce we have been successful in an application for funding from the Barclays Community Football Fund, being delivered in partnership with sported, to start football sessions for women and girls.\nIt has always been the plan for the organisation to become a club for all and offer provision for all to play football. This funding allows us to begin that process for women and girls in Glasgow.\nIf you're interested in getting involved, please visit our Women and Girls football page and leave an expression of interest. We will be in touch with further details in the near future.", "domain": "finance"}
{"url": "https://www.monoclewestu.com/use-hsa-fsa-funds/", "date": "2024-02-23T05:51:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474361.75/warc/CC-MAIN-20240223053503-20240223083503-00495.warc.gz", "language_score": 0.957578182220459, "token_count": 708, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__17443210", "lang": "en", "text": "There’s a good chance you have money tucked away in a Health Savings Account (HSA) or Flexible Spending Account (FSA) as part of your family’s benefits package.\nThere are many differences between HSAs and FSAs, but both help you save for eligible medical expenses, from childbirth to braces and many things in between.\nBut did you know that some of these funds could be lost if they remain unused before the end of the year?\nHere’s the scoop on what happens to your unused funds and how you can make the most of them with premium eye care from the Monocle team.\nWhat happens to unused HSA/FSA funds?\nThis is where one of the big differences between these two accounts comes into play.\nIf you have an HSA, unused contributions are rolled into the next year, meaning you don’t need to hurry to spend the money before the clock strikes midnight on January 1st.\nWith an FSA, it’s more of a “use it or lose it” situation. At the end of the year, unused contributions are no longer available and you start from scratch in January.\nThis is tax-exempt money that’s being pulled from your paycheck each month or that you’re taking directly out of your pocket to offset the cost of medical expenses. So don’t let it go to waste!\nCan I use my funds on eye care?\nYes! For many of us, the fourth quarter of the year rolls around before we realize these funds are sitting in our account, waiting to be spent on qualified medical expenses.\nBut the final few months of the year are often the busiest for medical professionals for this exact reason. Everyone wants to take full advantage of their benefits before the year ends.\nThat’s why we recommend you keep up to date with your eye care throughout the year. Plus, who wants to head to the doctor amidst the holiday season hustle and bustle? We think we’re pretty great over here at Monocle, but your plate is full as you prep for the new year. So give yourself the gift of a check-up-free holiday season and come in sooner!\nWhat are the eligible eye care expenses with an HSA/FSA?\nWhat are the benefits of using my HSA or FSA funds on eye care?\nFirst and foremost, these are tax-exempt contributions that are available for use on qualifying medical expenses.\nWhen your health insurance doesn’t cover the cost of a medical expense, you can use your funds to offset direct, out-of-pocket costs that might incur.\nWhile many eye care costs are covered by insurance, not all of them are. This makes taking care of your vision the perfect way to make sure your health benefits never go to waste.\nSave on premium eye care with your HSA or FSA.\nOur eyes are not to be taken for granted. Put your funds to good use and schedule an appointment for your next (or first!) eye exam.\nThe Monocle Premier Eye Care team offers years of experience and a true commitment to providing you with excellent care.\nYour satisfaction is our top priority. We take as much time as is necessary to have conversations about the health of your eyes, your vision, and anything else with a focus on optimizing your well-being.\nClick here to schedule your eye exam.", "domain": "finance"}
{"url": "https://www.pokoj.com.pl/en/eu-projects/", "date": "2022-08-09T02:01:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570879.37/warc/CC-MAIN-20220809003642-20220809033642-00742.warc.gz", "language_score": 0.8411914110183716, "token_count": 202, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__108659744", "lang": "en", "text": "The project entitled “Company investments in R&D infrastructure for developing innovative potential” was co-financed by European Funds\nProject goal: design, development and implementation of new small terminal blocks used in electrical engineering to work in the area of permissible insulation voltage up to 400V.\nTotal project value: PLN 591,015.00\nContribution of European Funds: PLN 216,225.00\nProject entitled “Working capital subsidy for ‘Pokój’ Spółdzielnia Elektrotechniczna” under measure 3.4 Subsidy for working capital of the Intelligent Development Operational Program 2014-2020\nProject objective: Support for medium-sized entrepreneurs who found themselves in a challenging economic situation due to disruptions in the functioning of the economy as a result of the COVID-19 epidemic.\nTotal project value: PLN 278.762,61\nContribution of European Funds: PLN 278.762,61", "domain": "finance"}
{"url": "http://www.speidellaw.com/estate-planning-lawyer-in-wenatchee.html", "date": "2013-05-22T12:15:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368701670866/warc/CC-MAIN-20130516105430-00047-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9602527618408203, "token_count": 174, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__67886077", "lang": "en", "text": "Speidel Law Firm's work in estate planning covers all aspects of managing and transferring personal financial resources by the strategic use of trusts, gifts, sales and other income and wealth transfer devices to accomplish family planning goals and minimize the impact of income, gift and estate taxes. Personal estate planning requires coordination with existing business and investment entities and often the creation of new ones. Once the attorney-client planning phase is completed, we draft the documents necessary to implement the plan, which may include the following:\n\"You have been outstanding in taking care of my legal needs over the years. This gives me a great sense of security, as I have no family to provide any assistance on my behalf. Your firm is especially recognized in the field of elder law; and since I mostly associate with that age group now, I never hesitate to recommend your services to my friends with full confidence.\"", "domain": "finance"}
{"url": "https://www.americasantiquemall.com/post/peddling-for-profit-becoming-an-antique-dealer", "date": "2024-04-24T00:36:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818835.29/warc/CC-MAIN-20240423223805-20240424013805-00159.warc.gz", "language_score": 0.9350710511207581, "token_count": 701, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__136939747", "lang": "en", "text": "Thinking of turning your weekend pastime into a full-fledged business? You don't need a resume to become a full-time antique dealer, but you do need to consider your investment. Read on to get started investing in your antique business today!\nBiggest Antique Dealers Investment Considerations\nConsider the Capital Investment when Becoming an Antique Dealer\nI'm sure you've heard the phrase, “it takes money to make money.” While this is often true, the investment in selling antiques really depends on what you want to sell. At the outset, new antique dealers should focus on selling items that they have readily available.\nThere will be several upstart costs (booth rental, transportation, marketing, etc.), but once you start making sales, take your profit and invest in larger and more profitable sale items. Use sales to reinvest in future rent, acquiring a larger space, and more inventory.\nAntique Dealers Must Invest Time\nDo you have the time to embark on a new venture as an antique dealer? Will your current job allow you the hours to spend curating and transporting vintage items and staging a booth? Do you have time in your week to replenish your inventory?\nBeing a successful antique dealer amounts to hours cleaning, prepping, tagging inventory, going to estate/garage sales, refinishing furniture projects, and arranging inventory in the booth space. Time is a major investment and one that must be fully considered before you take the plunge.\nInvestment in Antiques\nBecoming an antique dealer means different things to different people. There is no shortage of things we would call “antique.” What do you want to sell? High-end antique furnishings? Collectible items? Homemade items? Furniture? Stocking your booth with a theme and making sure you have a variety of price points in your booth with your antique investments will keep your sales steady.\nFurniture sells but can take more time for the right buyer. If you mainly sell furniture, you may need to sell 3-4 pieces a month to cover your rent and costs for an average space. Supplement furniture sales with a steady stream of smaller items, like sterling-plated silver, book bundles, small art, decorative containers with plates, mirrors, vintage tins, and other \"smalls.” Success in an antique mall requires stocking a wide range of high- and low-priced items.\nTransportation Investment for Antique Dealers\nBecoming an antique dealer means there will be a lot of inventory to be transported, so having a vehicle with a large carrying capacity is a must. If you have a very small space to fill, you may be able to get away with a car and the occasional borrowing of a truck. If you have a larger space to fill, a truck, trailer, or van might be necessary. You will also want to invest in some moving equipment as you will work much more efficiently and be less prone to injury.\nWith your initial antique investments covered, you can enjoy picking and restocking your booth as items sell and you find new things to add to your space. Being a vendor in an Antique Mall can be a wonderful part-time job with a great steady income – plus, it is a lot of fun.\nLearn more information on becoming an antique dealer or vendor at America's Antique Mall.", "domain": "finance"}
{"url": "http://thegatewaytoathens.com/849217.html", "date": "2017-12-11T07:52:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948512584.10/warc/CC-MAIN-20171211071340-20171211091340-00022.warc.gz", "language_score": 0.9460018277168274, "token_count": 348, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__187337305", "lang": "en", "text": ">>We currently are not offering (nor are we accepting) the 10% coupon that used to be found on this website or our Facebook page. It has been removed, so any production of those coupons would now be unauthorized and not valid.\n>>We are accepting the 10% off PTO cards some Cabarrus County schools have distributed to parents (as long as they are valid for this year).\n>>We are offering what we call STAMP CARDS for loyal customers; these are a great way to be rewarded for your repeat business!\nThis is how they work:\n-Every $8 you spend prior to tax earns one stamp.\n-Once you have earned ten (10) stamps, you can turn in your card for $8 off your final bill!\n-You may NOT acquire additional stamps if you are redeeming a stamp card; you are welcome to start a new card on your next visit.\n-Maximum discount of $8 per table; you may not redeem multiple stamp cards in one order, not may you combine or use a stamp card if you are using a 10% discount, or getting discounts via the Wine Down Wednesday promotion, or the Tuesday Kids Eat Free promotion.\n-STAMP CARDS do EXPIRE; expired cards will not be accepted. You must acquire your stamps for your visit prior to leaving, once you leave we cannot give you stamps for previous visits since there is no way of tracking your visits.\nWe apologize for all the fine print, but due to the abuse of what used to be our 10% off coupon we must specify each and every stipulation. We want to reward loyalty, but as a small business we cannot afford to be taken advantage of.", "domain": "finance"}
{"url": "https://www.ffe-aurisq.ford.com/AURWeb/UK/ppiLegal.jsp", "date": "2019-07-22T07:34:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195527828.69/warc/CC-MAIN-20190722072309-20190722094309-00548.warc.gz", "language_score": 0.9518359303474426, "token_count": 622, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__212118767", "lang": "en", "text": "On 2 March 2017, the Financial Conduct Authority (FCA) announced new rules and guidance about handling PPI complaints. We are dealing with all PPI complaints under these new rules straight away to ensure our customers are treated fairly. The FCA is also setting a cut-off date for making PPI complaints which will be 29 August 2019.\nWhat is PPI?\nPayment Protection Insurance (PPI) provides cover for the monthly repayments of your car loan(s) if you are made unemployed, have an accident, become sick or die. Ford Credit (FCE Bank plc) never sold PPI, we are therefore not responsible for any \"misselling\" complaints, and instead those are the responsibility of the Motor Dealer that sold the PPI policy to you (when you purchased the vehicle).\nHowever under the new FCA rules there are now TWO steps to a PPI complaint:\nStep 1 is the misselling element of a complaint; this is where the person that sold the policy (the dealer) has to investigate and respond if the policy was mis-sold.\nStep 2 – If the person that sold the PPI \"rejects\" the complaint and no payment is awarded to the customer then under step 2, we need to assess (under Section 140A of the Consumer Credit Act 1974 \"CCA\"), if the commission of a PPI policy was not disclosed whether an unfair relationship existed between the Creditor (Ford Credit) and the Debtor (yourself).\nThis form is for STEP 2 complaints only.\nIt should only be filled in where misselling complaints have been rejected.\nThis form should not be filled in if you have already been awarded compensation/redress for a PPI policy, and you must declare details of any previous complaints if you feel you are still entitled to complain.\nIf it is discovered you have received payment for a misselling claim then any payment from us in respect of an unfair relationships complaint must be returned. It is an offence to claim for Step 2, if you have already received compensation under Step 1.\nBy completing this form, you confirm you were the account holder at the time of the agreement- if you are looking to claim on behalf of someone else please write to us at: Ford Credit, 1 Tony Wilson Place, Manchester, M15 4FN (any complaints on behalf of a 3rd person will need proof of authority to act on that persons behalf).\nTo be eligible your finance agreement must have been active on or after 6th April 2008. Only PPI policies that were in place on or after this date are eligible to be considered.\nPlease provide as much information as possible to ensure we can match your policy and assess the complaint speedily and fairly. Feel free to use the comments section for any further information you think will be useful.\nBy completing this form you will be disclosing personal information to Ford Credit. This information will only be used to investigate your complaint.\nYour security is of paramount importance at Ford Credit, the secure form is encrypted end to end.", "domain": "finance"}
{"url": "https://primesphere.net/zero-marginal-cost-is-it-even-possible/", "date": "2023-10-01T09:08:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510810.46/warc/CC-MAIN-20231001073649-20231001103649-00495.warc.gz", "language_score": 0.935240626335144, "token_count": 986, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__285789140", "lang": "en", "text": "In a capitalist market, governed by the invisible hand of supply and demand, sellers are constantly searching for new technologies to increase productivity, allowing them to reduce the costs of producing their goods and services so they can sell them cheaper than their competitors, win over consumers and secure sufficient profit for their investors. Marx never asked what might happen if intense global competition some time in the future forced entrepreneurs to introduce ever more efficient technologies, accelerating productivity to the point where the marginal cost of production approached zero, making goods and services “priceless” and potentially free, putting an end to profit and rendering the market exchange economy obsolete. But that’s now beginning to happen.\nOver the past decade millions of consumers have become prosumers, producing and sharing music, videos, news, and knowledge at near-zero marginal cost and nearly for free, shrinking revenues in the music, newspaper and book-publishing industries.\nSome of the US’s leading economists are waking up to the paradox. Lawrence Summers, former US treasury secretary, and J Bradford DeLong, professor of economics at the University of California, Berkeley, addressed this in August 2001, in a speech delivered before the Federal Reserve Bank of Kansas City. Summers and DeLong focused their presentation on the new communication technologies that were already reducing the marginal (per-unit) cost of producing and sending information goods to near zero.\nBut, Is it possible to have zero marginal costs really? If so, how?\nIn The Zero Marginal Cost Society, New York Times bestselling author Jeremy Rifkin describes how the emerging Internet of Things is speeding us to an era of nearly free goods and services, precipitating the meteoric rise of a global Collaborative Commons and the eclipse of capitalism.\nRifkin uncovers a paradox at the heart of capitalism that has propelled it to greatness but is now taking it to its death―the inherent entrepreneurial dynamism of competitive markets that drives productivity up and marginal costs down, enabling businesses to reduce the price of their goods and services in order to win over consumers and market share. (Marginal cost is the cost of producing additional units of a good or service, if fixed costs are not counted.) While economists have always welcomed a reduction in marginal cost, they never anticipated the possibility of a technological revolution that might bring marginal costs to near zero, making goods and services priceless, nearly free, and abundant, and no longer subject to market forces.\nNow, a formidable new technology infrastructure―the Internet of things (IoT)―is emerging with the potential of pushing large segments of economic life to near zero marginal cost in the years ahead. Rifkin describes how the Communication Internet is converging with a nascent Energy Internet and Logistics Internet to create a new technology platform that connects everything and everyone. Billions of sensors are being attached to natural resources, production lines, the electricity grid, logistics networks, recycling flows, and implanted in homes, offices, stores, vehicles, and even human beings, feeding Big Data into an IoT global neural network. Prosumers can connect to the network and use Big Data, analytics, and algorithms to accelerate efficiency, dramatically increase productivity, and lower the marginal cost of producing and sharing a wide range of products and services to near zero, just like they now do with information goods.\nThe plummeting of marginal costs is spawning a hybrid economy―part capitalist market and part Collaborative Commons―with far reaching implications for society, according to Rifkin. Hundreds of millions of people are already transferring parts of their economic lives to the global Collaborative Commons. Prosumers are plugging into the fledgling IoT and making and sharing their own information, entertainment, green energy, and 3D-printed products at near zero marginal cost. They are also sharing cars, homes, clothes and other items via social media sites, rentals, redistribution clubs, and cooperatives at low or near zero marginal cost. Students are enrolling in free massive open online courses (MOOCs) that operate at near zero marginal cost. Social entrepreneurs are even bypassing the banking establishment and using crowdfunding to finance startup businesses as well as creating alternative currencies in the fledgling sharing economy. In this new world, social capital is as important as financial capital, access trumps ownership, sustainability supersedes consumerism, cooperation ousts competition, and “exchange value” in the capitalist marketplace is increasingly replaced by “sharable value” on the Collaborative Commons.\nRifkin concludes that capitalism will remain with us, albeit in an increasingly streamlined role, primarily as an aggregator of network services and solutions, allowing it to flourish as a powerful niche player in the coming era. We are, however, says Rifkin, entering a world beyond markets where we are learning how to live together in an increasingly interdependent global Collaborative Commons.", "domain": "finance"}
{"url": "https://lincolnrealtyvaldosta.com/about/", "date": "2024-04-18T20:56:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817239.30/warc/CC-MAIN-20240418191007-20240418221007-00468.warc.gz", "language_score": 0.9573327898979187, "token_count": 194, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__78713340", "lang": "en", "text": "Stephen Lincoln is an Associate Broker and has been selling homes and managing property with Lincoln Realty for more than 8 years. He specializes in investment Sales, Multi-Family properties, and Buyer Representation. Whether you are looking to create extra cash flow or add to your retirement portfolio, Stephen can assist in locating, negotiating, and acquiring a property that fits your needs.\nParker Lincoln came to work with Lincoln Realty in 2005. For over 10 years Parker has worked with a wide range of customers and clients on projects ranging from first-time home buyer sales to investment sales and leasing. Parker obtained his Georgia Real Estate license in 2007 and will help guide you to success in your next real estate endeavor.\nSharon Devane Waters is our Accounting Specialist and has over 25 years of accounting experience. Sharon started with Lincoln Realty in 2013 and works hard to ensure our clients receive accurate reporting of income and expenditures each month.", "domain": "finance"}
{"url": "https://coindust.net/huobi-argentina-plans-invest-100m-develop-a-data-center/", "date": "2019-11-17T22:02:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496669352.5/warc/CC-MAIN-20191117215823-20191118003823-00054.warc.gz", "language_score": 0.9456065893173218, "token_count": 180, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__123660392", "lang": "en", "text": "Huobi Argentina a subsidiary of Chinas Huobi Group has announced its plans to invest $100 M to create a data center in a report published by Reuters on Wednesday, November 6.\nAccording to the post, The Argentina center will be the biggest of its kind in the region. Prior to this announcement, Huobi Argentina pointed out in September that it considered creating a local team and a fiat gateway to trade or convert the Argentine peso to cryptocurrency.\nThe company has reportedly decided to make this important investment as a result of the country’s declining economic situation, which has made Argentine citizens look for alternatives to the Argentine peso.\nThe investment comes as a pervasive economic crisis in Argentina prompted the government to impose stricter currency controls to prop up the rickety peso currency following President-elect Alberto Fernandez’s victory over incumbent Mauricio Macri in the October presidential elections.", "domain": "finance"}
{"url": "https://jocohistory.wordpress.com/2022/04/28/the-fha-and-suburbia/", "date": "2023-06-02T21:37:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224648858.14/warc/CC-MAIN-20230602204755-20230602234755-00065.warc.gz", "language_score": 0.9693227410316467, "token_count": 1982, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__130573447", "lang": "en", "text": "In 1934, the Roosevelt Administration launched the Federal Housing Administration (FHA). The agency insures mortgages made by private lenders, protecting those lenders against losses. The agency was designed to promote home ownership during the Great Depression. Private lenders, including suburban developers here in this region, helped inform the policies the FHA would use to guide its lending, transforming private practices of exclusion into the federal policy of redlining. While suburban communities around cities across the nation were built up through the FHA, people of color and those living in integrated areas were overwhelmingly denied access to FHA programs. The FHA’s lending practices changed with the passage of the Fair Housing Act in 1968, but the legacies of the policy continue to shape realities today. The history of the FHA, which is inextricably intertwined with the history of redlining explored in the Johnson County Museum’s new special exhibit, REDLINED, reveals both the value of investment in communities and the long-lasting consequences of disinvestment.\nAn Era of Turmoil\nWhen the Great Depression began in 1929, most Americans were concerned about affording food and rent, finding work, and making ends meet. Few considered buying or building a home. The real estate industry, through its national membership organization, the National Association of Real Estate Boards (NAREB), lobbied the federal government to help the struggling industry. NAREB leaders believed that two million of the 12 million unemployed people were in the building trades – by putting them back to work, the government could jump start the economy.\nBut homebuying was unattainable for many Americans prior to the Great Depression. The typical terms were 50 percent as a down payment with the other 50 percent of the home cost paid off over the next three to five years. Interest rates were high, there were no lines of equity, and often balloon payments drove homeowners out of their home in the final months of repayment. But NAREB had a plan to transform home buying. They just needed the federal government to help.\nThe Government Lends a Hand\nWhen President Franklin D. Roosevelt’s Administration launched the New Deal programs after 1933, one of those programs was meant to help current homeowners in default. Called the Home Owners’ Loan Corporation (HOLC), it purchased mortgages in default to make the banks whole, and then extended new mortgages directly from the federal government using U.S. Treasury funds from taxpayers. This unprecedented intervention into the private real estate market came with unprecedented mortgage terms – low monthly payments, low interest rates, and longer loan terms.\nThe HOLC program was so popular, and the mortgage terms believed to be so accessible, that the federal government launched the Federal Housing Administration (FHA) in 1934. Through the FHA, the government sought to extend homeownership to as many white Americans as possible by extending unprecedented mortgage terms: 10 to 20 percent down payments, 20-year loan terms, low monthly payments, low interest rates, and amortization (equal payments with a portion going to the principal loan amount and a portion going to interest), as well as the potential to access equity as a line of credit. The FHA backed the mortgages by covering the insurance on the loan, taking all the risk off of the banks. The FHA made the threshold to buying a home so much lower, thereby making owning a home more accessible to far more Americans.\nThe FHA Builds Suburbia\nThe FHA program’s results speak for themselves. Suburbs across the nation exploded with new home builds and populations as young families bought or built their first homes. Following World War II, the Veterans Administration (VA) adopted the FHA’s policies and procedures to help place white veterans in new homes for zero money down. This aid helped the Greatest Generation become homeowners, something that their parents’ generation could rarely afford. By 1950, the FHA and the VA were backing 51 percent of all home mortgage loans. New housing starts reached 1.7 million in that year alone.\nThe FHA helped launch the idea of home ownership as the American Dream. Because mortgage payments were low ($39 per month in the 1940s, less than $700 in 2019 dollars), young families had more money in their pockets each month to save up, or to spend. The postwar era was known for consumerism, as Americans purchased second cars, washing machines, took vacations, saved up for college funds, and built additions to their homes. Most homes that received FHA-backed mortgages were new, and owners could be reasonably sure they would earn a profit if they sold their homes. Additionally, homeowners could access lines of credit through their equity to help maintain or enlarge their homes.\nThe investment in white suburban homes was massive. Historians and sociologists estimate that 11 million households purchased a home through an FHA-backed mortgage by 1972. One researcher estimated that the federal government extended mortgage insurance for over $120 billion in home purchases in the 1950s – or more than 1.239 quintillion 2019 dollars. This unfathomable number represents just the initial injection of money into suburban communities. The long-term consequences of this federal investment is incalculable.\nIn the Kansas City area, between 1934 and 1962, experts estimate the FHA extended more than 77,000 government-backed mortgage loans (this number does not include any VA-backed mortgage loans). Homebuyers in Johnson County received 16,624 of these mortgages. The county’s population skyrocketed, growing from 33,327 in 1940 to 143,792 by 1960.\n“Federally Mandated Segregation”\nOnly some Americans were able to realize the benefits of the FHA and VA backed loans. This is evident by the growth in Johnson County’s population during the first decades of the policy – it grew by 110,000 white residents between 1940 and 1960, the Black population grew by just 150 residents. The growth in Johnson County’s white population stems from the FHA’s racially discriminatory lending practices. The FHA’s 1938 Underwriting Manual, the guide on how to work with the FHA, stipulated that eligible homes were required to have restrictive covenants (lists of rules governing how the property was used), including racially restrictive covenants to ensure a “prohibition of the occupancy of properties except by the race for which they are intended.” The FHA manual went on to explain that “if a neighborhood is to retain stability, it is necessary that properties shall continue to be occupied by the same social and racial classes. A change in social or racial occupancy generally contributes to instability and a decline in values.”\nTh assumption that Black people and other communities of color devalue not only their own property but all the homes in the neighborhood surrounding them was rooted in NAREB’s policies and practices that had been honed for a generation prior. This belief, however, had no factual basis. No report or statistical analysis was ever produced to prove it. Still NAREB members worked as advisors to the federal government when the FHA was created, bringing their private discriminatory practices to the table as federal policy was being shaped. The FHA refused to work with Black Americans (and often Latinos, Asian Americans, and other communities of color) and explicitly required developers to exclude African Americans from their subdivisions. Richard Rothstein, author of The Color of Law, characterized the FHA’s discriminatory requirements as “federally mandated segregation.”\nBy 1947, 96 percent of suburban developments in Johnson County (148 out of 154 neighborhoods) were racially restricted. This means that Black families and other people of color were prohibited from owning, leasing, renting, or occupying homes there. Of the 77,000 FHA-backed loans in the Kansas City area between 1934 and 1962, less than one percent (770 at most) went to Black families, and often for older homes in segregated neighborhoods.\nChanging the System\nThe homebuying system has changed today. First, racially restrictive covenants favored by real estate developers and required by the FHA were deemed unenforceable (not unconstitutional) by the U.S. Supreme Court in the Shelley v Kraemer decision in 1948 (the FHA permitted filing them through February 15, 1950). Additionally, Congress passed the 1968 Civil Rights Act, which made redlining – both the private practice and federal policy – illegal. Subsequent legislation, such as the Community Reinvestment Act, the addition of a presidential cabinet position for the director of Housing and Urban Development (HUD), and other federal regulations have worked to make home lending more equitable and accessible, especially for communities of color. The FHA continues to provide accessible mortgages to hundreds of thousands of Americans each year.\nThe FHA’s history is complex, full of incredible stories about launching homeownership for millions of families across the nation. Yet it is also a history full of heartbreaking stories of loan denials, exclusion, and discrimination. As a social program born out of the Great Depression, the FHA was integral to creating suburban communities like those located in northeastern Johnson County and around cities across the nation. Yet it shaped who could enjoy the benefits of more accessible home loan terms, who could enjoy the newly built suburbs, and who could realize the American Dream for decades.\nFor more information about the FHA, redlining, and related history, view the Johnson County Museum’s newest special exhibition, REDLINED: Cities, Suburbs, and Segregation. Included in Museum admission, and open for viewing Monday through Saturday, 9am to 4:30pm. Learn more: www.jcprd.com/Redlined.", "domain": "finance"}
{"url": "https://aquariummember.aquariumofpacific.org/NetCommunity/SSLPage.aspx?pid=251", "date": "2017-04-27T16:45:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917122619.60/warc/CC-MAIN-20170423031202-00439-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9360964894294739, "token_count": 169, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__245327911", "lang": "en", "text": "Jeanne M. Brodeur Scholarship Fund\nEstablished in memory of Jeanne M. Brodeur, former vice president of development at the Aquarium of the Pacific.\nIn recognition of Jeanne Brodeur’s immeasurable impact on the Aquarium of the Pacific, the Board of Directors has established the Jeanne M. Brodeur Scholarship Fund. Donations made in Jeanne's memory will be directed to this new scholarship fund, which is an endowment fund to be held in perpetuity. Each year a portion of the interest will be used to bring underserved school children to the Aquarium.\nThank you for considering honoring Jeanne's memory and accomplishments in such a meaningful way. Should you have any additional questions about donations to this fund, please call Kendra Jones at (562) 951-1605.", "domain": "finance"}
{"url": "https://www.claycountyelectric.com/electric-service", "date": "2024-04-15T07:02:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816942.33/warc/CC-MAIN-20240415045222-20240415075222-00270.warc.gz", "language_score": 0.935936689376831, "token_count": 1188, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__184457477", "lang": "en", "text": "When applying for electric service, a membership fee and a connect fee are required. The membership fee establishes you as a member/owner of Clay County Electric Cooperative Corporation. Once the request is made and fees have been paid, the Arkansas Public Service Commission allows up to 5 working days for service to be connected.\nIn addition, a security deposit may be charged. Our standard deposit can be paid in two equal installments; 1/2 payment upon application and the remaining balance on your first month's bill. After you have completed 12 consecutive months of payment without any late payments, the deposit will be refunded to you in the form of a credit on your bill.\nDeposits may be waived by providing one of the following items:\n- A letter of credit from your previous electric utility stating that your account had no more than two delinquent notices in the past twelve months. If you would like to send a letter of credit to us, view our contact information.\n- A present member of Clay County Electric can guarantee payment of your account. The third party must be a current member and have received service for at least one year from Clay County Electric with a good credit standing. A Third Party Guarantee form, which is available at each of our office locations, must be signed by the third party.\n- By having received electric service from Clay County Electric for the previous twelve months and be in good standing with Clay County Electric.\nAdditional deposits may be applied to your account if there are two late payments in a row OR if there are three late payments within the previous 12-month period. As stated by the Arkansas Public Service Commission, the amount of additional deposit allowed on that account is equal to the total of the two highest bills over the previous 12-month period.\nIf you need electric service for a residence or business under construction, it may be necessary for our field personnel to meet with you at the service location to determine the proper facilities needed to provide electric service. Please call either of our offices to initiate that service.\nFor more information on new electric service, please contact your local Clay County Electric Cooperative Corporation office or e-mail us your question.\nThank you for allowing us to serve your energy needs.\nFrequently Asked Questions\nQ. MOST INFORMATION PUBLISHED BY CLAY COUNTY ELECTRIC COOPERATIVE CORP. REFERS TO MEMBERS. WHAT PERSONS OR ORGANIZATIONS ARE BEING REFERRED TO AND WHAT ARE THE BENEFITS AND OBLIGATIONS OF \"MEMBERSHIP\"?\nA. Each person or entity receiving electric service from Clay County Electric Cooperative Corp. is a member of Clay County Electric Cooperative Corp. This cooperative is a not-for-profit organization formed to provide services at cost to its members. Members of Clay County Electric pay competitive rates for electric service that generates a margin for the cooperative. These margins are retained and invested in plant and equipment necessary to provide service to members. When prudent financial considerations allow, previously retained margins are refunded to members by way of a capital credit retirement check. Rights and obligations of members arise from a contractual relationship detailed in Clay County Electric Cooperative Corp. Bylaws.\nQ. HOW IS CLAY COUNTY ELECTRIC COOPERATIVE CORP. DIFFERENT FROM INVESTOR OWNED UTILITIES?\nA. As mentioned above, Clay County Electric Cooperative Corp. is a not-for-profit cooperative organization, which means that all margins of Clay County Electric Cooperative Corp. accrue to the benefit of the members we serve, not stockholders. Additionally, control of Clay County Electric Cooperative Corp. is local; the members elect the Board of Directors, who themselves must be members of Clay County Electric Cooperative Corp.\nQ. I SOMETIMES RECEIVE A CHECK FROM CLAY COUNTY ELECTRIC COOPERATIVE, INC. ENTITLED \"CAPITAL CREDIT REFUND\". WHAT DOES THIS CHECK REPRESENT, HOW IS THE AMOUNT DETERMINED AND MAY I EXPECT TO RECEIVE ADDITIONAL CHECKS IN THE FUTURE.\nQ. I sometimes receive a check from Clay County Electric Cooperative, Inc. entitled \"Capital Credit Refund\". What does this check represent, how is the amount determined and may I expect to receive additional checks in the future.A. Electric cooperatives are not-for-profit organizations owned by the members we serve. Every year, any excess revenues (margins) from the operation of the cooperative are allocated to an account for each member based on their energy consumption for that year. Your cooperative Board of Directors determines the schedule for repaying capital credits based on the financial requirements of the cooperative.\nMany times, members (owners) move off of cooperative lines, and we have a difficult time locating them. It is very important to keep your address up to date with your cooperative.\nQ. WHAT CAUSES MY LIGHTS TO BLINK?\nA. Most temporary power interruptions are caused by equipment on the power lines detecting faults in the electric current and correcting the condition resulting in a momentary interruption. These fault currents are often caused by trees or animals such as squirrels contacting lines. Clay County Electric Cooperative Corp. has an ongoing right-of-way program, trimming trees and brush to reduce the probability of momentary outages caused by tree contact with lines. If you are experiencing momentary interruptions with regularity, please contact your local office so that the cause of the interruptions can be investigated.\nQ. WHAT IS THE SERVICE AVAILABILITY CHARGE ON MY BILL?\nA. The service availability charge is the flat rate for the customer to have service. If no hours are used, this amount plus taxes is applied to each billing.", "domain": "finance"}
{"url": "https://downtownlocal.wordpress.com/2012/02/28/signon-org-beta-tell-jamie-dimon-to-give-gloria-takla-a-loan-modification-with-principal-reduction/", "date": "2018-07-19T13:43:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-30/segments/1531676590901.10/warc/CC-MAIN-20180719125339-20180719145339-00349.warc.gz", "language_score": 0.9771218299865723, "token_count": 408, "dump": "CC-MAIN-2018-30", "global_id": "webtext-fineweb__CC-MAIN-2018-30__0__211446550", "lang": "en", "text": "Gloria Takla is 72 years old. She lives alone in her home in Redwood City, CA. An accomplished German Expressionist artist, Gloria was once able to support herself by selling her paintings. Since the economic downturn, Gloria has been struggling to make her mortgage payments and relying on her Social Security checks and the income she gets working as an in-home support service provider, taking care of a woman with Alzheimer’s disease. Now Gloria is facing foreclosure. Chase Bank says they will sell her home at auction on April 9, 2012.\nGloria has tried to work with Chase. She has asked the bank to give her an affordable loan modification and a principal reduction. She has sent in her paperwork sixteen times and gone to their offices to meet with Chase bankers. Up until now, Chase has refused to give Gloria a fair deal. The stress of this ordeal has wreaked havoc on Gloria’s health, resulting in an immune disorder.\nThe fact of the matter is that Gloria doesn’t deserve to lose her home. She invested her life savings, $150,000, in the home as a down payment. Gloria was steered into a predatory loan by a banker at Washington Mutual, which was subsequently bought by Chase, because the debt-to-income ratio of her loan was disproportionate.\nGloria is a member of the grassroots community organization Alliance of Californians for Community Empowerment (ACCE) which, along with Occupy San Jose and Occupy Redwood City, has organized four protest marches since November of 2011 where over 50 demonstrators marched into Chase Bank branches in San Jose and Redwood City and demanded that the bank give Gloria a fair deal.\nDespite Gloria’s and ACCE’s efforts, Chase continues to refuse to give Gloria an affordable loan modification with principal reduction. That’s why we are calling on you to tell Jamie Dimon, “Do the right thing! Give Gloria Takla an affordable loan modification with principal reduction!”", "domain": "finance"}
{"url": "https://svhcs.org/bill-pay/", "date": "2023-12-02T15:23:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100427.59/warc/CC-MAIN-20231202140407-20231202170407-00869.warc.gz", "language_score": 0.9307281970977783, "token_count": 107, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__211055948", "lang": "en", "text": "We are pleased to announce that Spring Valley Senior Living and Health Care Campus accepts credit card payments!\nSome advantages to online bill pay include:\n- Accessible 24/7 from any computer or mobile device\n- Easy and more secure than mailing in your payment\nTo make a payment by credit card, simply click the button below and complete all form fields. The Medical Record Number is located after the resident name on your statement. If you have any questions, please call us: 715-778-5545. Thank you!", "domain": "finance"}
{"url": "https://sccu.com.au/contact-us/home-loan-specialists/13-todd-savins", "date": "2019-05-24T23:30:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232257781.73/warc/CC-MAIN-20190524224619-20190525010619-00123.warc.gz", "language_score": 0.938887357711792, "token_count": 117, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__119916501", "lang": "en", "text": "Home Loan Specialists\nTodd Savins - Murwillumbah & Mullumbimby Region\nPhone: 0476 811 290\nTodd joined SCCU back in 2008 as a Loans Officer at the Mullumbimby branch. Since that time Todd has held various lending and leadership positions and is now the Home Loan Specialist for the Murwillumbah & Mullumbimby area. With a Certificate IV in Financial Services and extensive experience in our local region, Todd's goal is to help our customers have a positive experience when it comes to buying or refinancing their home.", "domain": "finance"}
{"url": "http://smlg.law/practice-areas/property-tax-redemptions/", "date": "2020-07-09T19:46:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655901509.58/warc/CC-MAIN-20200709193741-20200709223741-00003.warc.gz", "language_score": 0.9361642003059387, "token_count": 1304, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__154023054", "lang": "en", "text": "We have litigated and/or negotiated with numerous tax buyers throughout Illinois. For a representative list, please click here.\nWe can assist parties with property tax redemptions or redeeming under protest. A few important things to keep in mind:\nTime of Redemption:\n- If on the date of sale the property sold was improved with a dwelling structure of six or fewer units, it may be redeemed at any time on or before two years and six months from the date of sale.\n- If on the date of sale the property is vacant, non-farm or improved real estate containing seven or more residential units or real estate that is commercial or industrial property, and the property was delinquent or forfeited for all or a part of general taxes for two or more years at the time of the sale, it may be redeemed at any time before the expiration of six months from the date of sale.\n- In all other cases, the property may be redeemed at any time before the expiration of two years from the date of sale.\n- The holder of the certificate of purchase (not any other party) may extend the redemption period up to three years from the date of sale, in which event the property may be redeemed at any time on or before expiration of the extended redemption period. After the redemption period has expired, the court may order an extension of the redemption period, but only if a tax deed petition has been filed prior to the expiration of the redemption period and only on motion of the tax deed petitioner. The redemption period may not be extended, however, to a date more than three years from the date of sale.\nAmount of Redemption for Annual and Forfeiture Sales:\n- The amount required to redeem must be deposited with the County Clerk in cash, cashier’s or certified check or money order issued by the post office or by a federally insured financial institution, payable to the County Clerk. Redemption must be actually received in person at the County Clerk’s office by the end of the redemption period or mailed with a post office cancellation mark dated not less than one day prior to expiration of the redemption period. 35 ILCS 200/21-355.\n- The amount required to redeem includes:\n- All taxes, penalties and costs paid at the time of the tax sale.\n- Accrued penalty, computed as provided in 35 ILCS 200/21-355(b) (for annual or forfeiture sales) or 35 ILCS 200/21-260(f) (for scavenger sales.\n- All taxes and special assessments (and accrued interest on those taxes and costs paid in connection therewith) paid by the tax purchaser subsequent to the tax sale, together with penalty in the amount of 12% for each year or portion thereof from the date of payment to the date of redemption.\n- Amounts paid by the tax purchaser to redeem the property from a forfeiture occurring for a subsequent year tax together with penalty in the amount of 12% for each year or portion thereof from the date of payment to the date of redemption.\n- Amounts paid by the tax purchaser to redeem a subsequently occurring tax sale.\n- Fees paid to the County Clerk for serving the notice required by 35 ILCS 200/22-5 of the Property Tax Code.\n- Court costs paid in connection with the filing of a tax deed petition and recording of a lis pendens notice, together with a fee of $35.00 if a tax deed petition has been filed and a fee of $4.00 if the §22-5 notice has been served.\n- If a petition for tax deed has been filed, all fees up to $150 per redemption paid to a registered or licensed title insurance company or title insurance agent for a title search to identify all owners, parties interested, and occupants of the property, to be paid to the purchaser or his or her assignee.\n- Fees paid for publication of notice in connection with tax deed proceeding.\n- Sums paid to any city, village or town for reimbursement of municipal advances (e.g., demolition or receivership lien).\n- Expenses of receivership authorized or approved by the court which appointed the receiver. 35 ILCS 200/21-355.\nAmount of Redemption for Scavenger Sales:\nTo redeem from a scavenger sale, the procedure is similar. However, the party redeeming must also pay all delinquent taxes and penalties which were outstanding at the time of the tax sale and which were not included in the amount bid at the sale, unless the property is an owner-occupied single-family dwelling, condominium unit or cooperative unit. A party seeking to redeem property as owner-occupied must complete and submit an affidavit to the County Clerk. If the party submits a false affidavit, the redemption may be stricken.\nRedemption Under Protest:\n- A person entitled to redeem who desires to preserve his or her right to defend against the tax deed proceeding may redeem under protest by depositing with the County Clerk the amount required to redeem, together with three copies of a written protest signed by the party redeeming in the form prescribed by §21-175.\n- The grounds for redeeming under protest are limited to those defenses which would provide sufficient basis to deny entry of an order for issuance of a tax deed.\n- A redemption under protest must be filed after a tax deed petition has been filed, but before expiration of the redemption period.\n- The court before which the tax deed petition is pending shall hear and determine the protest. If the redemption under protest is sustained, the court may declare the sale to be a sale in error, if appropriate grounds exist, and shall direct the County Clerk to return all or a part of the redemption money to the party redeeming. If the redemption under protest is not sustained, the court shall order the protest stricken and direct the County Clerk to distribute the redemption money to the holder of the certificate of purchase, and shall order the party redeeming to pay to the tax deed petitioner reasonable attorneys’ fees and expenses and the cost of use of the redemption money.\nAnother option to consider if the circumstances are right is to acquire the tax certificate from the tax buyer rather than redeeming the tax sale. For more information about assignment of real estate tax certificates, click here. For a detailed outline of this area of law, please click here.\nIf you need any assistance, please do not hesitate to contact us.", "domain": "finance"}
{"url": "https://e2zbooks.com/product/quick-easy-residual-income-streams/", "date": "2020-11-29T23:33:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-50/segments/1606141203418.47/warc/CC-MAIN-20201129214615-20201130004615-00244.warc.gz", "language_score": 0.9660439491271973, "token_count": 124, "dump": "CC-MAIN-2020-50", "global_id": "webtext-fineweb__CC-MAIN-2020-50__0__104778439", "lang": "en", "text": "Residual income is money that is earned on a recurring basis, typically as the result of a single original action. Rather than earning an hourly wage, residual income is typically generated through an initial investment of time or money with the goal of earning continuous payments. Once the initial investment, product, or service is made, the ongoing income that is earned is generally passive in nature.\nDeveloping residual income is an important part of building long-term wealth. In fact, it’s practically impossible to do without it. Find out how to do just that in this quick and easy guide to residual income streams.", "domain": "finance"}
{"url": "http://www.sterlingaussies.com/", "date": "2017-09-22T11:24:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-39/segments/1505818688940.72/warc/CC-MAIN-20170922112142-20170922132142-00085.warc.gz", "language_score": 0.9515885710716248, "token_count": 557, "dump": "CC-MAIN-2017-39", "global_id": "webtext-fineweb__CC-MAIN-2017-39__0__180254013", "lang": "en", "text": "As per general finance, if you are looking for the most secured investment, then you should go for fixed deposits. These deposits are kept by banks, including both private and government banks. You will receive annual interest on these deposits and the interest rate is fixed for all.\nThe rate has been fixed up by RBI so that the investors can get a consistent income from their deposits at banks. Investment options are many therefore you are free to choose the right plan for yourself without any hitch. The interest rate might differ from private banks to government banks and thus you should consider the same.\nYou have to choose your investment option quite strategically in order to get the maximized returns. You got to maintain an account with bank for maintaining fixed deposits. You will also receive statements of the account duly like any other bank account.\nThe only difference is that your funds will be locked for a certain period and until the period is over you will not be able to withdraw the amount. But in case of normal bank account, you can access your funds at any point of time as per requirement.\nWhat are the benefits of maintaining fixed-deposit accounts?\n- Fund security is the highest in case of fixed deposits and this is one of the main reasons that people love to go for this investment option without thinking twice.\n- Your funds will never get decreased rather you can get the chance of earning a fixed amount from your deposited funds in a consistent manner. This amount is received in the form of interests.\n- Assured returns can be gained from these deposits and you do not have to bear any risks at all. If you want to secure your investment then fixed deposit is the right way to do that.\n- Your investment goals can be properly fulfilled by means of maintaining accounts for fixed deposits.\n- Multiple deposits of this type can be made at the same time with the intention of gaining increased revenues.\n- The terms of these deposits are quite flexible and thus you can choose the term and deposit amount of your own.\n- You can choose any option for receiving interests. You can receive either annul or monthly interests from your deposits. You just need to mention the option clearly while submitting the application form to your bank.\n- Different kinds of financial requirements can be efficiently met by means of these deposits. You can withdraw the interest amounts at any point of time and can make your needs fulfilled.\n- You can now create a great fund reserve with your savings by creating these deposits. You can enjoy the fruits of the same for a long time.\n- Greater investment flexibility can be maintained and on the other hand your investment portfolio can be balanced in a proper manner with these kinds of deposits.\n- You can utilize the deposits for meeting up your business or commercial needs.", "domain": "finance"}
{"url": "https://www.christianroofing.com/does-insurnace-cover-roof-damange/", "date": "2024-02-25T07:38:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474594.56/warc/CC-MAIN-20240225071740-20240225101740-00166.warc.gz", "language_score": 0.9330745339393616, "token_count": 3266, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__120202027", "lang": "en", "text": "Ever had one of those nights where the thunder claps, lightning strikes and rain is pouring so hard it sounds like a symphony on your roof? You’re snug inside, comforted by the knowledge that you’re safe from Mother Nature’s tantrum. But then daylight comes, and with it, the realization – your roof didn’t fare as well in last night’s storm.\nYou glance up to see a watermark spreading across your ceiling or perhaps even a trickle making its way down. It’s clear; you have roof damage. The question pounding harder than last night’s storm is now – does insurance cover roof damage?\nLet’s talk about how homeowners’ insurance policies typically cover roof damages and under what circumstances. We’ll explore the impact of weather events, like windstorms, that can lead to serious roofing problems. Plus, we’ll touch on situations where older roofs might be eligible for coverage.\nTable of Contents:\n- Understanding Roof Damage and Insurance Coverage\n- Types of Roof Damage Covered by Insurance\n- Understanding Insurance Policies and Coverage\n- Filing an Insurance Claim for Roof Damage\n- Working with Christian Roofing for Roof Repairs\n- Choosing the Right Homeowners Insurance Company\n- Factors Affecting Insurance Coverage for Roof Damage\n- FAQs in Relation to Does Insurnace Cover Roof Damange?\nUnderstanding Roof Damage and Insurance Coverage\nHomeowners frequently inquire, “Will insurance pay for roof damage?” Generally the answer is affirmative, though it may depend on the kind of harm and your individual policy. Let’s break down how homeowners insurance might cover roof damages.\nTypes of Covered Events\nDifferent events can cause significant harm to your roof that may be covered by your homeowner’s insurance. This includes common weather-related incidents like windstorms or hail – these are some top reasons why homeowners reach out to their insurers with a roof damage claim.\nApart from natural disasters, accidents such as fire or falling objects (like a tree branch) could also lead to potential coverage under an insurance policy. Even vandalism falls under this umbrella.\nCommon Reasons for Claims\nRoughly one in every 20 insured homes makes a property damage claim each year due to various issues including thefts, fires, water leaks and more significantly – roofing problems. In fact, according to Research 1 stats, among all claims filed against home policies nationwide over the past nine years, nearly two-thirds were for wind and hail – mostly affecting roofs.\nIf you’re facing serious structural issues due to aging or storm-damage causing leaks into your house interior leading potentially even bigger problems like mold growth – you have valid reason enough for filing an insurance claim. It’s always a good idea, however, not just to rely solely on what’s visible at ground level; professional inspection often uncovers hidden damages too.\nNote: Links given are placeholders since actual links were not provided in instructions.\nTypes of Roof Damage Covered by Insurance\nWhen it comes to roof damage, homeowners’ insurance policies typically offer coverage for a range of issues. But not all damages are covered under standard policies.\nHail storms, high winds, and other severe weather events can wreak havoc on your roof. Most insurance companies understand this reality and will cover damage caused by such incidents. For instance, if a big storm rolls through town and your shingles end up scattered across the yard like confetti at a parade, you’re likely in luck with your claim.\nIt’s important to note that weather-related damages aren’t just about immediate impact; they also include long-term effects like water leaks due to ice dams or nearby trees causing damage over time because their branches keep scraping against your roof tiles during windy days.\nStructural Issues and Aging Roofs\nAging roofs often face structural issues which could lead to significant damages. In certain situations, these might be covered as well. If you’ve maintained the good shape of an older roof properly but it still suffers from unforeseen structural problems—say its trusses gave way—it may fall within the ambit of ‘sudden and accidental damage’, making it eligible for coverage.\nRisks associated with lightning strikes are generally part of basic homeowners’ insurance too since no amount of preventive maintenance can save you from Mother Nature’s electrical fury.\nThe trick is understanding what kind insurance policy you have—replacement cost value (RCV) or actual cash value (ACV). The former covers total replacement costs while the latter takes into account depreciation factors such as age and wear-and-tear before paying out claims.\nThe specifics of what is and isn’t covered can vary from policy to policy, so it’s a smart financial move to check with your insurance agent about the nuances of your particular plan.\nUnderstanding Insurance Policies and Coverage\nHomeowners insurance policies can feel like a riddle. They’re packed with terms such as “replacement cost” and “actual cash value.” But, don’t worry. We’ve got your back.\nCoverage Limits and Deductibles\nA policy’s coverage limit is the maximum amount an insurer will pay for a covered loss. This means if your roof needs replacement after damage, you’ll get up to this amount. Now, what about deductibles? Well, they’re simply the portion of any claim that comes out of your pocket before the insurance company starts paying.\nThe question now is: how do these affect roof repair or replacement?\nYour policy might cover either actual cash value (ACV) or replacement cost (RC). The difference lies in depreciation – ACV considers it while RC doesn’t. Here’s a good read on that.\nIf you have ACV coverage but need total roof replacement due to extensive damage caused by say, hailstorm or windstorm; you might find yourself reaching deeper into pockets than expected because ACV takes into account wear & tear over time whereas RC does not.\nThis link explains more about these types of insurances in detail, which could be quite useful when navigating through homeowners’ insurance jargon.\nRemember – understanding how different elements like deductibles interact with your limits can make all the difference between smooth sailing through storm aftermaths or getting caught unawares without enough funds for necessary repairs.\nNext time Mother Nature unleashes her fury on your roof, you’ll be prepared. Grasping the complexities of insurance policies may be daunting, yet it’s a shrewd financial move that could spare you from costly individual outlays in the future. So let’s get those roofing issues fixed before they become bigger headaches.\nFiling an Insurance Claim for Roof Damage\nRoof damage can be a homeowner’s nightmare, but your insurance policy might just turn it into a less stressful experience. The process of filing an insurance claim involves several key steps and having some guidance can certainly help.\nDocumenting the Damage\nThe first thing to do after discovering roof damage is documenting it. Photos are crucial as they provide evidence when you make your claim. A detailed description of the damages alongside these photos will make sure nothing slips through the cracks.\nAn adjuster from your insurance company may come over to evaluate the extent of the loss – that’s what we mean by ‘covered loss’. This evaluation determines whether or not you’ll receive compensation and how much it would be. Therefore, good documentation helps present a clear picture about what happened during the covered event.\nIn addition to taking pictures, jot down any important details about how and when each specific area was damaged – think dates, times, weather conditions – all these play into making a successful claim.\nNavigating Through Claims Process with Confidence\nOnce everything is documented properly, get in touch with your insurer immediately. Start off by asking questions if there are parts of their procedure that aren’t crystal clear – remember no question is too small when dealing with something this critical.\n|Tips for Filing Roof Insurance Claim:\n|Contact Your Insurer ASAP After Discovering Damages\n|Promptness aids quicker resolution.\n|Maintain Detailed Records Of All Correspondences With Your Insurer And Adjuster\n|Documenting everything helps avoid confusion later.\n|Avoid Starting Repairs Until Adjuster’s Visit\n|The adjuster needs to see the damage in its original state for a fair assessment.\nOnce you’ve reported the claim, it’s typical for an insurance adjuster to swing by your place. They’ll check out your roof damage and estimate how much fixing it will cost. Their report plays a big role in deciding if…\nWorking with Christian Roofing for Roof Repairs\nIf your roof has been damaged, you require a qualified team to repair it. That’s where Christian Roofing comes in. As a trusted roofing company, we’ve got years of experience under our belts.\nThe Role of Professional Inspection\nA professional inspection is vital after a damaging event. It lets us assess what needs fixing and how to best approach the repair process.\nOur inspectors are experts at spotting even subtle signs of damage that might go unnoticed by an untrained eye. They check every inch, from shingles installed correctly down to minor cracks or leaks.\nWe understand that dealing with roof damage can be stressful. Once we’ve finished our inspection, you’ll have a comprehensive understanding of the condition of your roof and what needs to be done in order for it to be restored.\nNavigating Insurance Claims\nDamaged roofs often mean insurance claims. Navigating this process may seem daunting but don’t worry –-we’re here to help.\nWe have extensive experience working with various insurers so we can guide you through each step until completion—making sure everything is handled promptly and efficiently for minimal disruption in your life during repairs. Learn more about filing insurance claims here.\nYour Satisfaction Is Our Priority\nAt Christian Roofing, customer satisfaction isn’t just an aim—it’s embedded in who we are as a company. We won’t consider the job finished until you’re completely satisfied with our work because that’s just how much respect we have for homeowners like yourself. Read some testimonials from happy customers here.\nChoosing the Right Homeowners Insurance Company\nNot all insurers are alike, particularly with regards to roof damage insurance. You need a company that offers good insurance coverage and is easy to work with.\nThe first step in finding the right homeowners insurance company involves comparing policies. Each policy differs in terms of what’s covered and how much you’ll get paid if your roof needs repairs or replacement.\nA comprehensive policy will typically cover roof damage caused by unpreventable reasons like fires, hailstorms, or wind damage. However, it may not cover damages due to lack of maintenance or general wear and tear.\nPolicies also differ on whether they offer actual cash value (ACV) or replacement cost value (RCV). ACV considers depreciation based on your roof’s age, while RCV covers the full cost of replacing a damaged roof regardless of its age – but premiums for RCV policies tend to be higher than those for ACV ones.\nA higher deductible will mean lower monthly premiums, however it may require more out-of-pocket costs if repair works are needed. Higher deductibles usually mean lower monthly premiums but more upfront costs if there’s a need for repair works.\nTaking Reputation into Account\nYou want an insurer known for their customer service excellence — one who responds promptly when claims are filed and does fair evaluations of reported damages.\nCustomer reviews can provide valuable insights about insurers’ response times, fairness in assessing claims, ease of filing claims online etc., so make sure you do some research before settling down with any insurer.\nFactors Affecting Insurance Coverage for Roof Damage\nYour homeowners’ insurance can be a lifesaver when it comes to roof damage. Did you know that the amount of coverage for roof damage is dependent on a variety of elements? Let’s take a closer look.\nUnderstanding Deductibles and Policy Terms\nThe age and condition of your roof play an important role in determining if your insurance will cover repairs or replacement. An older, more worn-out roof may not have as comprehensive coverage as a newer one in good shape.\nDeductibles are another factor to consider. You’ll need to pay this amount before your insurance kicks in. The lower the deductible, the higher premium you’ll likely pay but it also means less out-of-pocket costs after an incident.\nIt’s also crucial to understand policy terms and exclusions – what’s covered under your specific plan, and what isn’t?\nNature of Damage Caused: Sudden or Gradual?\nSudden damages caused by weather events like windstorms, hail, lightning strikes, or fallen nearby trees typically get covered. On the other hand, gradual damage due to lack of maintenance might not make the cut.\nFiling Claims: Timely Reporting Matters.\nIf you’ve suffered any loss from a big storm or other event causing damage, file a claim with your insurer ASAP. Prompt reporting helps expedite processing – delaying could complicate things down the line.\nDon’t forget; insurers send adjusters who inspect reported losses – their findings impact how much payout (if any) is issued towards repair/replacement work.\nRemember folks – understanding these nuances about ‘roof age’, ‘deductible amounts’, ‘policy exclusions’, and ‘timeliness in filing claims’ can make a huge difference to your roof insurance claim experience. If in doubt, contact your insurance agent for clarification to ensure a successful roof damage claim experience.\nKeep this guide handy next time you’re assessing whether or not your homeowners’ insurance will cover any potential roof damage.\nFAQs in Relation to Does Insurnace Cover Roof Damange?\nDoes homeowners insurance cover sagging roof?\nGenerally, if your roof is sagging due to wear and tear or lack of maintenance, it’s unlikely that your homeowners insurance will cover the damage.\nShould I tell insurance about new roof?\nAbsolutely. Notifying your insurer about a new roof can often lead to lower premiums because a newer roof poses less risk of causing home damage.\nHow often should you replace your roof?\nThe frequency depends on the material used but typically, roofs last between 20-30 years. Always consult with roofing professionals for accurate advice tailored to your situation.\nHow do you negotiate hail damage claim?\nTo negotiate a hail damage claim, document all damages meticulously and get an independent estimate from reputable contractors before speaking with the adjuster from the insurance company.\nRoof damage is a nightmare no homeowner wants to face. But when it does occur, knowing your homeowners’ insurance policy inside out is crucial.\nYou’ve learned that not all roof damages are created equal in the eyes of insurers. Weather-related damages like windstorms and hail typically get covered, while issues with older roofs might be a bit trickier.\nFiling an insurance claim for roof damage can feel daunting but remember – documentation is key. It’s also essential to have professional inspections done by reputable companies such as Christian Roofing.\nThe question ‘Does insurance cover roof damage?’ isn’t black and white; various factors influence this including your policy terms, deductibles and even the age of your roof.", "domain": "finance"}
{"url": "https://www.thesixthaxis.com/2017/03/31/mad-catz-has-filed-for-bankruptcy-and-shut-down/", "date": "2021-12-05T15:13:28Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-49/segments/1637964363189.92/warc/CC-MAIN-20211205130619-20211205160619-00151.warc.gz", "language_score": 0.9760882258415222, "token_count": 183, "dump": "CC-MAIN-2021-49", "global_id": "webtext-fineweb__CC-MAIN-2021-49__0__135779422", "lang": "en", "text": "Mad Catz is one of the biggest names in the market when it comes to third party console peripherals, but now the company has been consigned to the history books as it has filed for bankruptcy. The company actually filed yesterday, March 30th, and all directors and officers of Mad Catz resigned on the same day.\nMad Catz had been struggling for a while financially and had invested a lot into Harmonix’s Rock Band 4 recently via its hardware, though the game wasn’t successful enough to help turn fortunes around. Last week the company was delisted from the New York Stock Exchange for non compliance with the exchange’s listing standards.\nI’m sure a number of us have owned something Mad Catz branded through our gaming lives, and whatever your opinion of the quality it is a shame to see the company close its doors.", "domain": "finance"}
{"url": "https://canada.giftpay.com/business/egiftscard.aspx?id=566", "date": "2023-03-23T07:35:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296945030.59/warc/CC-MAIN-20230323065609-20230323095609-00499.warc.gz", "language_score": 0.8590940833091736, "token_count": 245, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__6934499", "lang": "en", "text": "USE OF THIS GIFT CARD (“CARD”) CONSTITUTES ACCEPTANCE OF THE FOLLOWING TERMS: Card must be activated before it may be redeemed. Card is redeemable on online and in-store purchases of merchandise from any Reitmans (Canada) Limited division stores (Penningtons, Reitmans and RW&CO.). Sales taxes applied at time of redemption. Upon redemption, any unused balance will be carried over for future purchases. Value of merchandise returns purchased with Card will be credited to original Card or a new Card will be issued for an equivalent amount. Card may not be returned, cancelled, or exchanged for cash except where required by applicable law. Not a debit or credit card. Reitmans (Canada) Limited is not responsible for lost, stolen or damaged Cards or for unauthorized Card use. Treat Card like cash. For Card balance, refer to your last receipt, visit any Reitmans (Canada) Limited division store or call 1-866-REITMAN. We may refuse, cancel or hold for review Cards for suspected fraud. Cards are issued by Reitmans (Canada) Limited and do not expire. PROTECT THIS CARD.", "domain": "finance"}
{"url": "http://www.emn.ie/index.jsp?p=100&n=105&a=211", "date": "2013-12-10T17:27:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-48/segments/1386164022411/warc/CC-MAIN-20131204133342-00006-ip-10-33-133-15.ec2.internal.warc.gz", "language_score": 0.9193404912948608, "token_count": 403, "dump": "CC-MAIN-2013-48", "global_id": "webtext-fineweb__CC-MAIN-2013-48__0__207285920", "lang": "en", "text": "Immigrant Investor Programme and Start-up Entrepreneur Scheme announced by Department of Justice and Equality\nDate Published: 16-04-2012\nMinister for Justice and Equality, Alan Shatter formally announced two new immigration programmes in March 2012. Applications for the Immigrant Investor Programme and the Start-up Entrepreneur Programme commenced on 16 April 2012.\nThe Immigrant Investor Programme\nThe Immigrant Investor Programme allows non-EEA citizens and their immediate family to enter the State on a multi-entry visa for an initial period of 5 years, reviewable after two years.\nThe following investments will be considered under this programme:-\n- A once-off endowment of a minimum of €500,000 to a public project\n- A minimum €1,000,000 venture capital funding into new or existing Irish businesses for a minimum of three years\n- A minimum €2,000,000 investment in a special interest 5 year immigrant investor bond\n- A minimum €1,000,000 mixed investment consisting of 50% in property and 50%in immigrant investor bonds. Special consideration could be given to those purchasing property, in the State, which have been enforced by NAMA. In such cases a single €1m investment in property might be sufficient.\nThe Start-up Entrepreneur Programme\nUnder the Start-up Entrepreneur Programme, residency will be granted to migrants with a \"high potential start-up\" initiatives and funding of €75,000 for the purpose of developing their business. No job creation targets will be set initially as it is recognised that start-up businesses take some time to get up and running. In addition, persons must not be a ‘drain’ on public funds.\nAll applications for both the Investor Programme and the Start-up Programme will be subject to an evaluation process. Applications forms and guidelines will be available from 30 March 2012.\nFor further information:-\nGuidelines and Application Form for both programmes are available on www.inis.ie", "domain": "finance"}
{"url": "https://uspress24.com/2024/02/19/the-most-devastating-part-of-judge-engorons-ruling-may-be-yet-to-come/", "date": "2024-04-22T01:34:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818067.32/warc/CC-MAIN-20240421225303-20240422015303-00511.warc.gz", "language_score": 0.9438825249671936, "token_count": 277, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__40912019", "lang": "en", "text": "The massive $350 million-plus judgment rendered against former President Donald Trump on Friday in the civil lawsuit brought by New York Attorney General Letitia James is a double whammy.\nPaying such enormous damages seriously depletes the net worth of even a self-proclaimed billionaire. More devastating to Trump, the court’s decision eviscerates his public image as a shrewd New York real estate mogul — an image he has carefully cultivated for decades.\nYet the enormous damages are not the only blow to Trump’s pocketbook.\nThe massive financial headaches for Trump are just beginning. Before he can appeal the verdict, Trump will have to post a bond or pledge assets that could tally close to $400 million, equal to the verdict plus 9% post-judgment interest. This assures that if Trump loses the appeal, the state of New York will collect the money.\nA business litigation observer previously told NBC News that Trump would have to pay a nonrefundable fee of $18 million to obtain a bond (for a $370 million judgment, so slightly more than the actual judgment). Any company putting up the bond will demand collateral.\nIf Trump needs to pledge any New York properties or assets to the bonding company to secure the appeal bond, an independent monitor appointed by Judge Arthur Engoron would have to be notified by Trump in advance.", "domain": "finance"}
{"url": "https://www.ulstermusic.com/differences-between-term-and-permanent-life-insurance/", "date": "2023-06-01T12:11:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224647810.28/warc/CC-MAIN-20230601110845-20230601140845-00559.warc.gz", "language_score": 0.932070255279541, "token_count": 1133, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__181679092", "lang": "en", "text": "The term versus permanent life insurance debate has been going on for years. We break them both down so you can make an educated decision about which type of insurance works best for you.\nTerm vs. Permanent basics\nConsider term life for:\n- Death benefit protection without cash value accumulation.1\n- Life insurance on a limited budget.\n- Ability to convert to long-term life insurance.\nConsider whole life for:\n- Long-term death benefit protection.\n- Stable cash value accumulation.\n- Potential to receive dividends.\nTerm life insurance benefits\n- Term life insurance provides coverage for a specific period. It is also less expensive than permanent life insurance which accumulates cash value and provides other benefits. Term life insurance has a guaranteed death benefit2, but no cash value, and its premiums will either stay level or increase at pre-determined intervals, such as after one year, five years, 10 years, or 20 years.\n- Term life insurance is a great choice when your protection needs are expected to be high for a period of time, then drop back, such as when your family is growing. It can also be an effective way to supplement permanent insurance during high-need years, such as when family and other financial responsibilities are outpacing income.\n- In these situations, term coverage allows you to obtain crucial death benefit protection that better fits your current budget. Also, if the coverage is convertible (the term policy can be “converted” to a comparable cash value policy, without the need to provide evidence of insurability), you can get the coverage you need today—with the ability to obtain permanent coverage in the future.\nThe disadvantages of term life insurance.\n- Term life insurance provides a death benefit only, for a specific period. When the term expires, so does your protection. If you stop paying premiums, the coverage also ends.\n- Once the contract expires, that’s it. If your policy expires at midnight on December 31, and you die at 11:59 on New Year’s Eve, your beneficiary receives the full death benefit. If you die at 12:01 on January 1, however, your beneficiary receives nothing.\n- Purchasing term insurance is often compared to renting a house. When you rent, you get the full and immediate use of the house and all that goes with it, but when your lease expires, you must renew the lease (probably at a higher cost) or leave. Even if you rent the house for 30 years, you have no “equity” or value that belongs to you.\n- There is a very real danger that you could suffer health reverses and be uninsurable when the term coverage expires. While many term policies are convertible to permanent coverage, others may not be. Even if the coverage is convertible, there are time limits. If the time period in which conversion is allowed has passed, you may be required to reapply for coverage. If you are found to be uninsurable at that time, you will be without insurance.\n- Since premiums increase at the end of the term period, the long-term cost of term life can be burdensome. That’s why the term policy’s conversion privilege is so important. This valuable feature is usually available in the first few years of the policy and allows you to convert to permanent insurance without submitting evidence of insurability.\n- Converting to a permanent policy lets you “lock in” a fixed and level premium. This coverage can never be canceled, provided premiums are paid.\nPermanent life insurance benefits\nHere are just some of the reasons why permanent life insurance with cash value can be a strong long-term solution for many people:\n- Cash value life insurance provides lifelong insurance protection, provided premiums are paid. With few exceptions, your policy cannot be canceled by the carrier once you have been approved for the coverage. Regardless of your health, the insurance will remain in force.\n- Despite higher initial premiums, cash value life insurance can be less expensive than term in the long run. Your premiums will be set when you purchase the policy, and they cannot be raised, no matter what happens to the economy or to your health. When your term policy is up for renewal, your premiums will increase. As a policy owner, you automatically become eligible to receive dividends. You can use them to purchase additional paid-up insurance to grow your policy, use them to help offset the cost of future premiums or use them for any other purpose.3 Dividends are not guaranteed, however; there are instances when an insurance company will not declare them.\n- A whole life policy can eliminate the problem of future insurability. Cash value life insurance does not expire after a certain period, so you will not lose your insurance if health problems arise. Also, some policies contain guaranteed purchase options, which allow you to buy additional coverage at specified times, regardless of your health.\n- Remember “cash value”? Cash value builds at a fixed rate determined by the insurer. It’s designed to reach the size of the death benefit when the policy matures. This cash amount—part of which is guaranteed under many policies—can be used in the future for any purpose you wish. If you like, you can access cash value for a down payment on a home, to help pay for your children’s education, or to provide income for your retirement if the insurance needs decrease. Accessing cash value reduces death benefit and available cash surrender value.", "domain": "finance"}
{"url": "https://www.dunbarsecurityproducts.com/product/semacon-s1200", "date": "2021-04-14T05:48:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038076819.36/warc/CC-MAIN-20210414034544-20210414064544-00488.warc.gz", "language_score": 0.8693608641624451, "token_count": 402, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__169104107", "lang": "en", "text": "The Semacon S-1200 Series Bank Grade Currency Counters are designed with Semacon's SmartFeed technology for high volume applications and are used by banks, credit unions, casinos, large retailers and other industries all over the world. Our unique SmartCount technology ensures the most accurate counts available in a desktop currency counter.\nEase of Use\nThe S-1200 Series Bank Grade Currency Counters are intended for use in high\nvolume environments such as banks, credit unions, casinos, and large retailers. They\nfeature an intuitively designed control panel including a 10 digit keypad for batching\nalong with buttons for commonly used features making these counters easy to\noperate in a variety of applications.\nThese counters offer high-speed counting at up to 1600 banknotes per minute and\nare manufactured with high performance, full duty cycle components designed to run\nfor many years in high volume environments.\nEfficiency and Reliability\nOur SmartFeed Advanced Banknote Feed System Technology rapidly and reliably\nprocesses banknotes of all conditions ranging from very worn to brand new. Three\nvariable counting speeds allow the operator to detect out of place denominations at\nthe slower speed or maximize efficiency at the higher speeds.\nPrecision Counting Accuracy & Error Detection\nThe S-1200 Series Counters are engineered with Semacon?s SmartCount? intelligent\nbanknote screening system which analyzes each banknote to detect all possible\ntypes of banknote feeding errors. This technology ensures the most accurate counts\navailable in a desktop currency counter.\nBatching - 10 keys / 1-999\nHopper Capacity - 200 - 300 Notes\nStacker Capacity - 200 Notes\nNote Size - From 115 x 50 mm to 175 x 85 mm\nPower Source 110V / 60Hz or 220V / 50Hz - 50 W\nDimensions - (W x D x H) 10.5\" x 9.75\" x 9.5\"\nUnit Weight - 15 lbs.\nOne year warranty", "domain": "finance"}
{"url": "https://www.lakelandsps.wa.edu.au/2019/02/28/voluntary-contributions-thermometer/", "date": "2023-12-10T22:47:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102697.89/warc/CC-MAIN-20231210221943-20231211011943-00093.warc.gz", "language_score": 0.950203001499176, "token_count": 316, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__51292602", "lang": "en", "text": "We would like to say thank you to the many parents who have already paid their Voluntary Contributions.\nAt present our income for Voluntary Contributions received for 2019 is a very low $8,202 against a possible income of $43,080. If you are able please pay the Voluntary Contributions to help your children.\nVoluntary Contributions is an important income stream for Lakelands Primary School. They contribute to the purchase of additional resources and the running of programs in the school which\nhave a direct impact on your children’s learning. The following are examples of resources that the school would like to purchase:\nHome reading books for Junior Primary, years PP-2\nReading book sets for years 3-6\nSpeech resources for Kindergarten students\nMaths resources for all years ie clocks to learn the time, money to learn cost and values, balance scales and measuring equipment to learn how to weigh and measure.\nWeekly the Voluntary Contributions only cost $1.03 (including a 10% discount) if paid first term. It would cost $1.15 per week from Term 2 onwards without 10% discount. Every cent of the contributions you make is spent directly on our students.\nFor your convenience you can pay via Direct Deposit into the school’s bank account. The school’s bank account details are:\nAccount Name: Lakelands Primary School\nBSB: 016 745\nA/C Number: 190756561\nPlease ensure you include student name and reason for payment.\n28 February 2019", "domain": "finance"}
{"url": "https://www.rettrutland.com/insurance/business", "date": "2023-11-29T05:31:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100056.38/warc/CC-MAIN-20231129041834-20231129071834-00303.warc.gz", "language_score": 0.9468492865562439, "token_count": 218, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__153406176", "lang": "en", "text": "Business Insurance in and around Rock Hill\nWould you like Rett to create a personalized business quote?\nCost Effective Insurance For Your Business.\nBeing a business owner is about more than being your own boss. It’s a lifestyle and a way of life. It's a vision for a bright future for you and for your family. Because you do whatever it takes to make your business thrive, you’ll want small business insurance from State Farm. Business insurance protects all your hard work with a surety or fidelity bond, extra liability coverage, and errors and omissions liability.\nProtect Your Business With State Farm\nWhy choose State Farm for coverage? Your fellow business owners have rated State Farm as one of the top overall choices for insurance policies by small business owners like you. You can work with State Farm agent Rett Rutland for a policy that covers your business. Your coverage can include everything from business continuity plans or a surety or fidelity bond to commercial auto insurance or mobile property insurance. Call Rett Rutland today, and let's get down to business.", "domain": "finance"}
{"url": "http://www.appatek.com/termsofsale.htm", "date": "2013-05-19T00:38:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368696383077/warc/CC-MAIN-20130516092623-00046-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9108973145484924, "token_count": 620, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__61178163", "lang": "en", "text": "TERMS AND CONDITIONS OF SALE\nTerms for all invoices is net 30 days from date of shipment.\nA 2% early pay discount will be available to customers in “good\ncredit standing” on invoices paid in full when payment is\nreceived within 10 days of invoice date. All special prices and\nquantity prices are NET.\nAll new accounts must have a completed credit application on\nfile, and will be CASH WITH ORDER or shipped\nCOD until credit is established. Sales to established\naccounts that are more than 30 days past due will be shipped COD.\nA 1½% per month finance charge will be applied to the unpaid\nbalance. Credit privileges will be will be forfeited on accounts\nthat are 30 days past due. All accounts that are 60 days past\ndue will be turned over to a collection agency.\nIn the event of default in payment by the customer, Appatek Industries,\nInc. shall be entitled to recover its costs and reasonable attorney’s\nfees incurred as a result of the default or in connection with\ncollection of any unpaid amounts.\nThere will be a $30.00 service charge on all NSF or returned\nAppatek Industries, Inc. does not collect sales tax. A completed\ntax exempt certificate must be provided and will be kept on file.\nAll applicable sales taxes are the responsibility of the customer.\nAll prices and quotations are subject to change without notice.\nOrders will be priced according to price in effect at time of\nAppatek Industries, Inc. does not express or imply any warranty.\nAll warranties are strictly the responsibility of the manufacturer.\nAppatek Industries, Inc. cannot be held responsible for damages,\nlabor, or freight involved.\nAppatek Industries, Inc. offers customers FREE FREIGHT\non qualifying orders of 5 or more cases shipped east of the Mississippi,\nand 10 or more cases shipped west of the Mississippi. These orders\nwill be shipped, palletized, by common carrier, and subject to\na $10.00 fuel surcharge per order. Non-qualifying orders will\nbe shipped FedEx, and subject to a $4.00 fuel surcharge per package\nin addition to freight charges.\nHazardous Materials will not be shipped FedEx.\nAppatek Industries, Inc. responsibility ceases when merchandise\nis turned over to a carrier. All shipments are F.O.B.\nOrigin, Freight Prepaid. Damages or shortages of merchandise\nmust be reported to the delivering carrier immediately upon receipt\nand so filed with delivering carrier.\nNo returns will be accepted for credit without prior\nauthorization. Freight on all returns must be prepaid.\nAll returns must be in original condition and resalable, and will\nbe subject to a 20% restocking charge.\nPossession of this catalog does not entitle it’s holder\nto purchase products from Appatek Industries, Inc.", "domain": "finance"}
{"url": "https://www.parcel22.com/gift-cards/", "date": "2022-08-10T04:56:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882571147.84/warc/CC-MAIN-20220810040253-20220810070253-00189.warc.gz", "language_score": 0.9293400049209595, "token_count": 163, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__200106618", "lang": "en", "text": "Select the amount you want to gift to that special someone. That amount will go towards their monthly membership plan.\nSchedule an email to send the Gift Card invitation to the lucky lady.\nYou just made someone very happy! Parcel22 is the gift that keeps on giving.\nGift Cards provide credit towards any of Parcel22's membership plans. Please refer to Plans & Pricing for details.\nEach Gift Card comes with a unique redemption code. If the Gift Card recipient does not have a Parcel22 account, she will need to sign up first. On the Plans & Pricing page, she will be able to apply her redemption code. If she is already a member, she may redeem the Gift Card on her Account page.\nGift Cards may only be applied to monthly membership fees.", "domain": "finance"}
{"url": "http://icradio.co.uk/", "date": "2017-02-22T06:23:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-09/segments/1487501170914.10/warc/CC-MAIN-20170219104610-00213-ip-10-171-10-108.ec2.internal.warc.gz", "language_score": 0.8731892704963684, "token_count": 158, "dump": "CC-MAIN-2017-09", "global_id": "webtext-fineweb__CC-MAIN-2017-09__0__136803895", "lang": "en", "text": "Make the Most of Your Money\nWelcome to Informed Choice Radio, the personal finance podcast all about achieving your financial goals in life.\nNew episodes are published every Monday, Wednesday and Friday morning, featuring expert interviews and practical tips for making the most of your money.\nYou’ll learn from best-selling authors, thought leaders and personal finance experts.\nYour host for Informed Choice Radio is Martin Bamford; a Chartered Financial Planner, Chartered Wealth Manager and personal finance author.\nLeave a review\nYou can be a friend of the podcast by writing an honest review on iTunes here. Leaving a review on iTunes is the easiest way to help the show and boost or rankings! We’ll read out your reviews at the end of each weekly episode.", "domain": "finance"}
{"url": "https://www.grantspasstherapy.com/RatesInsurance.en.html", "date": "2021-06-15T01:17:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487614006.8/warc/CC-MAIN-20210614232115-20210615022115-00427.warc.gz", "language_score": 0.9318563342094421, "token_count": 349, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__173112465", "lang": "en", "text": "I can bill your insurance company, EAP benefits, and i have a sliding scale for those without insurance or not wishing to bill insurance.\nServices may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:\n- Do I have mental health insurance benefits?\n- What is my deductible and has it been met?\n- What is the coverage amount per therapy session?\n- Is approval required from my primary care physician? Usually this is not necessary.\nMy standard fees are listed on the initial paperwork. This standard fee includes more of a medical model or insurance requirement whereas i complete a full assessment, offer a diagnosis, and we develop a treatment plan to address symptoms. My sliding scale fee is different. This fee is considered a \"consultation.\" A consultation does not offer assessments or diagnostics and there is nothing to bill towards an insurance claim. The sliding scale reflects this consultation mode only.\nHere is the consultation fee that i charge per session (50 minute sessions).\nFamily income of 0 - $39,999 fee is $85\n$40.000- $200,000 fee is $95\n$201,000 - $400,000 fee is $110\n$400,000+ fee is $150.\nCash, check and all major credit cards are accepted for payment.\nIf you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be requested to pay a $75 fee. This does not apply to medicare or medicade covered people.\nRequest a therapy appointment online here.\nQuestions? Please contact me for further information.", "domain": "finance"}
{"url": "https://www.crsautomotive.com/new-vs-used-cars-pros-and-cons/", "date": "2024-03-03T02:28:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476180.67/warc/CC-MAIN-20240303011622-20240303041622-00712.warc.gz", "language_score": 0.9586976170539856, "token_count": 700, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__148984195", "lang": "en", "text": "Are you having a hard time deciding on whether to get a new or used car? If you are, here are a few pros and cons to help you make a decision, brought to you buy our Hamilton premium used cars specialists.\nNew Cars: Pros and Cons\nYou are the first owner of the car and you get to experience the luxury of buying a brand new car. A new car also means that the car hasn’t been in any accidents and the quality of the car is exceptional. You don’t need to worry about wear and tear or any other mechanical repairs.\nNew cars come with modern safety features that used cars might not have. The improved safety features include AI and other computer technology that make your driving experience even more worthwhile. If you are looking for rear-view cameras, parking assist, cruise control and other monitoring systems, then a new car is a good choice for you.\nNew cars also come with better fuel-efficiency technology that can help you save on your monthly fuel expenses. For example, new cars often have an ‘ecos’ function that lets you drive across cities without using a lot of fuel.\nNewer cars like hybrid models and electric vehicles help the environment by limiting carbon emission levels. This is a great reason to purchase a new car. In addition, purchasing environmentally-friendly cars comes with government incentives. Canadian buyers have the opportunity to earn back tax credit up to the value of almost $8,000.\nOne of the biggest cons of new cars is their price. New cars are a lot more expensive than used cars and this is a big reason why people tend to opt for used cars.\nUsed Cars: Pros and Cons\nUsed cars are a cheaper choice and they are often still in great condition. You also have a lot of car finance options available to you. If you are trying to stick to a budget, then a used car is a good choice for you.\nNew cars depreciate at a faster rate than used cars – approximately 20% from the second it has been driven.\nUsed cars let you pay reduced insurance fees. This is because the value of your car plays a huge factor in determining how much your monthly insurance instalments will be. Your registration fees will also be lower because this fee is also determined by how much you paid for your car.\nThe type of car you choose to get depends on your financial situation, lifestyle and budget. You’ll need to think about the pros and cons and choose a car that best suits your current and future circumstances. If you are looking to a buy used car, then look no further! CRS Automotive offers great used car deals. We have a 13,500-foot dealership in Cambridge, ON and a great team of highly-skilled and professional dealers. If you want to drive home with your dream car, then contact us today!\nSince 2005, we have built a reputation for delivering exceptional automotive repair services and outstanding customer care.\nOur commitment to excellence and dedication to our clients have made us a trusted name in automotive care.\nOur team of licensed technicians is experienced in working on all makes and models, including electric vehicles (EVs) and hybrids.\nOur comprehensive range of services ensures that your vehicle remains in top condition, covering all aspects of automotive repair and maintenance.\nWhen you choose CRS Automotive, you’re choosing a team that genuinely cares about you and your vehicle.", "domain": "finance"}
{"url": "https://qonversations.world/the-indonesian-dream-self-made-man-builds-efishery-now-valued-at-1-4-billion/", "date": "2023-09-26T23:09:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510225.44/warc/CC-MAIN-20230926211344-20230927001344-00474.warc.gz", "language_score": 0.9710513949394226, "token_count": 568, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__122781187", "lang": "en", "text": "EFishery, a start-up in the agritech industry, achieved a remarkable feat for an Indonesian company by becoming a unicorn after securing $200 million in fresh funding. Co-founded by a former resident of a disadvantaged neighbourhood in Jakarta, the start-up’s valuation soared to $1.4 billion following a Series D funding round, a significant increase from its previous value of $410 million in 2022. The funding was led by Abu Dhabi’s 42XFund, with participation from Kumpulan Wang Persaraan (Malaysia’s state pension fund), ResponsAbility Investments AG, and 500 Global, alongside existing investors such as Northstar Group, Temasek Holdings Pte, and SoftBank Group Corp, according to Bloomberg.\nEFishery provides its services to around 70,000 fish and shrimp farmers across Indonesia. The company achieved its billion-dollar status during a year marked by layoffs, CEO resignations, and declining valuations in the tech industry. Global venture investors have been cautious due to slowing economies, rising interest rates, and increased inflation levels.\nThe company intends to use the funds to expand its operations in Indonesia and India before considering an initial public offering (IPO) in the United States or Indonesia within the next two years. In an interview, CEO Gibran Huzaifah expressed the ambition of becoming a global leader within the next five years and exploring the possibility of an IPO as early as 2025.\nHuzaifah, who grew up near the slums of eastern Jakarta, faced financial hardships when his father lost his job as he entered university. He endured sleeping in various places, including the campus and mosques, and even experienced periods of three days without food. However, his encounter with a class on aquaculture sparked his interest in the field, leading him to rent a pond and venture into catfish farming. Over time, he encountered challenges in the industry, such as low profit margins and pricing issues due to middlemen.\nWith the help of a technologically inclined friend, Huzaifah developed an Internet-of-Things-based automatic feeder to address feeding-related problems. In 2013, he launched eFishery, focusing on understanding the industry and adopting a unique approach rather than following the crowd. The company has since expanded its business to include a marketplace for fish and shrimp farmers and buyers, as well as collaborations with financial institutions to provide farmer financing.\nFollowing the recent funding round, Huzaifah and his co-founder now possess stakes worth over $100 million each. Despite his success, Huzaifah humbly acknowledges that his life hasn’t changed drastically. However, he finds solace in knowing that he no longer has to worry about the financial troubles he faced during his upbringing.", "domain": "finance"}
{"url": "http://shaungarrod.over-blog.com/article-home-appliances-deciding-which-85815794.html", "date": "2021-06-13T19:30:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487610841.7/warc/CC-MAIN-20210613192529-20210613222529-00586.warc.gz", "language_score": 0.9546185731887817, "token_count": 284, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__213135483", "lang": "en", "text": "Depending on what home appliance you intend on buying, be it from something as plain and simple as a kettle to something that involves far more investment like a new cooker, with a little careful thought, hard earned money need not be lost. Here I'll discuss the best practices to put into place when buying a new home appliance.\nIf you're buying a new appliance, then the first thing that should be taken into consideration is the cost and just what your budget will afford. Once this has been taken into consideration, you have to consider the fact that the cheapest option might not always be the best. Ask yourself some questions:\n• Is the item adequate enough for your requirements?\n• Will the appliance be adequate enough for unforeseeable future uses, such as an expanding family?\n• If I can afford it, what I have I got to gain by not buying a more expensive model?\n• Have you shopped around and compared prices?\nWhen purchasing a new home appliance taking the lest costlier option may not always be the best policy. For instance, you may decide on purchasing a budget microwave oven with a one year warranty. If this breaks after just over a year, repairs or replacement will be required whereas if you had originally purchased a more expensive machine, you have to consider the fact that it may well have lasted considerably longer. Going for the cheapest options can sometimes be a false economy.", "domain": "finance"}
{"url": "http://www.robertsoncountyplayers.org/2015-season-sponsorship-2/", "date": "2018-03-19T00:58:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-13/segments/1521257646189.21/warc/CC-MAIN-20180319003616-20180319023616-00364.warc.gz", "language_score": 0.9706575870513916, "token_count": 118, "dump": "CC-MAIN-2018-13", "global_id": "webtext-fineweb__CC-MAIN-2018-13__0__132538389", "lang": "en", "text": "All sponsorships include mention in all playbills for the 2015 RCP season, including You Can’t Take it With You, Fiddler on the Roof, and First Baptist of Ivy Gap. All donations are tax deductible. Please retain a copy of this form for your records. For sponsorship mention in each playbill, a minimum donation of $100 is required. We accept cash and check for payment. Payments for 2015 Season Sponsorships are due no later than April 1, 2015. Completed forms must be received no later than March 11, 2015.\n2015 Season Sponsorship", "domain": "finance"}
{"url": "https://bunburydarcy.ie/services/commerical-corporate/", "date": "2023-12-03T11:45:54Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100499.43/warc/CC-MAIN-20231203094028-20231203124028-00327.warc.gz", "language_score": 0.9484767913818359, "token_count": 303, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__72106495", "lang": "en", "text": "We advise family-owned businesses, larger corporates and partnerships. We have the focused skills and years of experience to assist with all your commercial legal requirements. For day-to-day advice, specialised agreements and specific transactions, we’ll be right by your side.\nWe advise directors and business owners of their responsibilities and duties under company law, employment law and all regulations.\nWe advise shareholders and business partners of their rights and entitlements -from start up to exiting the business.\nWe advise clients on sourcing and formalising project finance, EIIS investment, capital grant funding and other business supports.\nWe draft and advise on all agreements relevant to any point of your business journey, including share purchase/subscription, share sale and shareholder agreements, business and asset sale and purchase agreements as well as distribution, service level, franchise, general terms and conditions and sale of goods agreements.\nWe have extensive experience acting in the sale and purchase of companies and businesses, joint venture agreements as well as completion of due diligence requirements for both purchasers and vendors.\nWe advise and formalise succession plans for clients, working closely with their accountants and tax advisers to structure the optimum tax-efficient plan to maximise value on exit.\nWe engage specialised company secretarial services for the filing of all documents in the Companies Registration Office – ensuring you meet all your statutory requirements.\nWe can assist in making sure that your business operates best practice throughout and complies with all corporate governance requirements.", "domain": "finance"}
{"url": "http://www.rubiconestates.co.uk/mortgages/", "date": "2017-08-21T21:32:46Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886109670.98/warc/CC-MAIN-20170821211752-20170821231752-00422.warc.gz", "language_score": 0.9342164397239685, "token_count": 394, "dump": "CC-MAIN-2017-34", "global_id": "webtext-fineweb__CC-MAIN-2017-34__0__49313553", "lang": "en", "text": "Who are Censeo Select?\nCenseo Select is built on the success of Censeo, the award winning specialist mortgage advisor.\nCenseo Select specialises in all mortgage types. Whether you are a first time buyer, or a next time buyer, we can help you. We arrange mortgages for Residential, Buy to Let, Let to Buy and Remortgaging. We also arrange Bridging and Commercial lending.\nCenseo has enjoyed excellent relationships with many Lenders, and Censeo Select is able to offer a bespoke mortgage service which is synonymous with speed and expertise. We will guide you through every stage of the process and make your experience with Censeo Select as pleasant as possible.\nWe combine the skills of award-winning financial services professionals with a deep understanding of the mortgage market. Our financial expertise helps us to provide the right strategy for you, be it buying your first property, adding to or refinancing an existing portfolio.\nWe will charge a broker fee up to 1.5% of the loan amount, payable on completion. For instance for a £100,000 mortgage the fee will be £1,500. The amount we will charge is dependent on the amount of research and administration that is required. The overall cost for comparison for Shared Ownership is 6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Your home may be repossessed if you do not keep up repayments on your mortgage. Censeo Limited is an appointed representative of First Complete Limited, No2 Methuen Park, Chippenham, Wiltshire, SN14 0GB, which is authorised and regulated by the Financial Conduct Authority. Censeo Limited is registered in England and Wales, company registration number 06453977, the Registered Address Unit 2, The Village, Guards Avenue, Caterham On The Hill, Surrey, CR3 5XL.", "domain": "finance"}
{"url": "http://www.americanlighting.net/your-light-rebate-company/", "date": "2017-08-22T01:27:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-34/segments/1502886109803.8/warc/CC-MAIN-20170822011838-20170822031838-00135.warc.gz", "language_score": 0.9524261951446533, "token_count": 333, "dump": "CC-MAIN-2017-34", "global_id": "webtext-fineweb__CC-MAIN-2017-34__0__152613855", "lang": "en", "text": "Are your energy costs bleeding you dry? Are you looking to retrofit the lighting in your business or warehouse? You might be in a situation where you’re looking to do an upgrade, but you’re concerned it will cost a fortune. Don’t be, because we’re here to help.\nWe’re American Lighting Supply, your light rebate company. As a California company, we’ve been around since 1986. Our team of engineers, professional installers and rebate specialists all share a goal, which is to save you money. Technology is growing and expanding by leaps and bounds. Energy efficiency is no different, and sizeable rebates are often attached to newer equipment. Here’s how it works-when you contact us, we’ll perform a free, customized lighting assessment at your workplace. Then we’ll prepare an easy to understand and detailed proposal. It will identify the light levels, energy costs and return on investment. There are also incentives and rebates for every project. Each rebate program is different, and the rules and requirements can be confusing, but we’ve made it a point to become experts. We’ll deduct the rebates from the cost of the project, so it’s one less thing for you to worry about. Our company also offers no money down financing on every project.\nAt American Lighting Supply, we know you have a choice regarding who you do business with. Decades of experience and scores of trilled clients have made us the undisputed leader in our field. Do yourself and your bottom line a favor. Contact us today.", "domain": "finance"}
{"url": "https://awong-sheamortgage.mortgagewebcenter.com/", "date": "2017-04-26T15:38:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917121453.27/warc/CC-MAIN-20170423031201-00397-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9676191806793213, "token_count": 299, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__273957273", "lang": "en", "text": "Applying online is as easy as 1-2-3.You can apply now in as little as 20 minutes.\n- Apply Now and complete the application.\n- When you have completed the application, click submit and your information\nwill be reviewed for approval.\n- A Shea Mortgage Inc. Loan Originator will follow up to answer your questions.\nOur goal is to provide the highest level of service at competitive rates. Our Loan Originators are only a phone call away if you need help. Contact us at 480-348-6538.\nI have been in the mortgage industry since 1999, beginning my career on the operations side. I believe my background as a loan closer, processor and underwriter is beneficial to my clients as I not only understand how to originate a loan, but am also very well-versed with the entire mortgage process from application to servicing and have a strong understanding of what will be required throughout the course of your loan. I have held an Arizona Loan Originator license since 2010 when the NMLS was created and truly love being able to help people achieve their dream of homeownership. My promise is to facilitate a smooth process from pre-qualification all the way through to closing and to maintain a high level of communication to ensure that my clients feel comfortable every step of the way. At Shea Mortgage, a division of J.F. Shea Co., Inc., our goal is to provide you with the highest level of service at competitive rates.", "domain": "finance"}
{"url": "https://azureurbanresortresidences.phrealty.com/azure-urban-resort-residences-towers/st-tropez-tower", "date": "2022-11-30T13:08:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710764.12/warc/CC-MAIN-20221130124353-20221130154353-00392.warc.gz", "language_score": 0.902614414691925, "token_count": 142, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__280185957", "lang": "en", "text": "Azure Urban Resort Residences - St Tropez Tower\nSt Tropez (sun-tro-pay) is one of the most celebrated seaside towns on the French Riviera, and is known today as the playground to jetsetters, models, and millionaires.\nThis exquisite summer destination, once described by the French daily Figaro as having the greatest number of famous faces per square meter is the inspiration behind the Azure’s third tower.\nOption 1: Spot Cash\n- 100% Spot Cash payable in 30 days with 1.60% Discount\nOption 2: 20-80 Scheme\n- 20% Spot Cash payable in 30 days\n- 80% Remaining Balance thru Bank Financing", "domain": "finance"}
{"url": "http://c10.nrostatic.com/article/456210/senate-spending-bill-conservatives-should-oppose", "date": "2018-08-18T21:40:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221213794.40/warc/CC-MAIN-20180818213032-20180818233032-00523.warc.gz", "language_score": 0.9692034125328064, "token_count": 353, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__182721319", "lang": "en", "text": "Senate leaders have reached an agreement on a two-year budget deal. The deal would raise the budget caps that were established by the Budget Control Act in 2011 by almost $300 billion over the next two years. It would also fund the government for the next month while the Appropriations Committee decides where to direct the money. Chuck Schumer (D., N.Y.) says the deal is a “genuine breakthrough,” and Republican leadership appears to agree.\nBut this is a bad deal. It is a bad deal because it hikes domestic spending. It is a bad deal, as well, because it may end the chance for a conservative legislative achievement in 2018.\nThen there is the price. While on its face the deal costs about $300 billion over the next two years, it likely will set a standard for future budget negotiations. That means its cost will be almost $1.5 trillion over the next decade. That is as expensive as tax reform.\nNot all of the extra spending is ill advised. That the deal raises defense-spending caps by $160 billion is welcome news; the military has been painfully squeezed by the sequester, and restoring its funding to proper levels would be a significant achievement. To secure that money, however, Republicans had to dangle $128 billion in domestic spending.\nRepublicans interested in passing major conservative reforms in 2018 — which could be the last chance for years, if Democrats succeed in taking the House later this year — should reject this deal and push for something better. Another year of unified Republican control of the elected branches of government in Washington is a terrible thing to waste.\n— Get insight from the best conservative writers delivered to your inbox; sign up for National Review Online’s newsletters today.", "domain": "finance"}
{"url": "https://www.obf.io/w/index.php?title=Donate&oldid=4329", "date": "2022-12-05T11:33:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711016.32/warc/CC-MAIN-20221205100449-20221205130449-00129.warc.gz", "language_score": 0.9293051362037659, "token_count": 127, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__36769778", "lang": "en", "text": "|Please visit our ***NEW*** OBF/BOSC website: https://www.open-bio.org/|\nYou can donate to the OBF through our fiscal sponsor, Software in the Public Interest, Inc.. Donations can be made by check, wire transfer, and online by credit card. Donations made through SPI are 501(c)3 tax-exempt in the US. For Europe-based donors, SPI also has a charitable partner organization in Europe.\nYour contribution helps fund a growing community of people committed to developing reusable open-source software for advancing biological research.", "domain": "finance"}
{"url": "http://legal.everyclient.net/Software/Reporting", "date": "2021-06-14T02:13:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487611320.18/warc/CC-MAIN-20210614013350-20210614043350-00390.warc.gz", "language_score": 0.9158914089202881, "token_count": 351, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__190069074", "lang": "en", "text": "EveryClient (Legal) contains a comprehensive list of reports to help you with the day-to-day running of your Law Firm.\nThe standard reports in EveryClient (Legal) include:\n|Accounts Receivable (Ageing)||Lists the law firm's accounts receivable according to the length of time an invoice has been outstanding|\n|Case/Matter Resource Assignments||Displays a summary of resource assignments for Cases/Matters. It also includes a summary of completed and incomplete tasks|\n|Expenses History||Provides a summary of expenses incurred that pertain to a Case/Matter|\n|Invoice History||A summary of invoices generated in the system|\n|Mailing Labels||Allows you to create mailing labels for 1 or more clients|\n|Management Report||Provides an overall summary of costs/billing etc.|\n|Payment History||Lists all payments made against invoices sent|\n|Sales Tax Summary||Provides you with a summary of all Sales Tax charged to clients and paid as part of an expense related to a Case/Matter|\n|Tasks Report||Lists all Case/Matter related tasks in the system|\n|Time Sheet History||A summary of time sheet items that have been assigned to Cases/Matters in the system|\n|Unbilled Time and Expenses||This report lists all time sheet and expense items that have not yet been billed to a client, i.e. all items that have not been added to an invoice|\nIf for whatever reason, the standard reports aren't sufficient, please feel free to ask and we will be happy to discuss your reporting needs.", "domain": "finance"}
{"url": "https://familypracticeassociateswaterloo.com/for-patients/accepted-insurance/", "date": "2023-10-03T20:30:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511220.71/warc/CC-MAIN-20231003192425-20231003222425-00793.warc.gz", "language_score": 0.9197694659233093, "token_count": 228, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__242930914", "lang": "en", "text": "We accept the following insurance plans: Aetna, Blue Cross Blue Shield of Illinois, Cigna, Coventry Health Care, Healthlink, Humana, Medicare Part B, Multiplan/PHCS, Tricare for Life, Tricare North, and United HealthCare.\nPlease bring your insurance card with you so that we can make a copy for your medical record. If you have a change in insurance, address or phone number, be sure to notify the receptionist so that the change can be entered into our system.\nIf your insurance provider is not listed, please call our office to see if they are accepted. Please check with your insurance to verify we are in-network. Some plans have special exclusions that we aren't always aware of.\nWe accept all major credit cards for payment, such as Visa and Mastercard, and American Express. All balances are expected to be paid at the time of service\nIf you have any questions, please don't hesitate to call our Centralized Billing Office at 618-282-7900.\nPATIENT INFORMATION AND RESOURCES", "domain": "finance"}
{"url": "http://paccon.org/membership-dues/", "date": "2020-09-21T19:43:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-40/segments/1600400202007.15/warc/CC-MAIN-20200921175057-20200921205057-00721.warc.gz", "language_score": 0.832335352897644, "token_count": 179, "dump": "CC-MAIN-2020-40", "global_id": "webtext-fineweb__CC-MAIN-2020-40__0__104665188", "lang": "en", "text": "The members consist of chief financial and accounting officers. Membership is by invitation only.\nThe annual PACCON membership fee is $825 per institution and is due by Friday, November 8, 2019.\nFees can be paid online here.\nThe fee includes two registrations to the Annual Conference.\nCalifornia Lutheran University\nClaremont Graduate University\nClaremont McKenna College\nClaremont University Consortium\nHarvey Mudd College\nLewis and Clark College\nLoyola Marymount University\nMount St. Mary’s University\nSaint Mary’s College of California\nSeattle Pacific University\nUniversity of LaVerne\nUniversity of Portland\nUniversity of Puget Sound\nUniversity of Redlands\nUniversity of San Diego\nAICCU (Association of Independent California Colleges and Universities)\nIndependent Colleges of Washington\nThe Alliance (Alliance of Oregon Independent Colleges and Universities)", "domain": "finance"}
{"url": "http://www.aslcancerfund.org/donations/", "date": "2013-05-23T12:08:30Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368703306113/warc/CC-MAIN-20130516112146-00008-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.8700982332229614, "token_count": 190, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__64109712", "lang": "en", "text": "Make a donation online through PayPal. You’ll be able to enter your donation amount, and then pay with a credit card or through your PayPal account.\nCall Dr. Leonard’s office at 612-280-6244.\nMail your check to:\nArnold S. Leonard Cancer Research Fund\n715 Florida Ave South, Suite 406B\nGolden Valley, MN 55426\nYour donations are 100% tax deductible. The ASL Cancer Research Fund tax ID# is 20-2924536.\nFunds raised at the Arnold S. Leonard Cancer Research Fund are purposely dedicated to Fund #8203 of the Minnesota Medical Foundation which sponsors genetic research at the University of Minnesota Medical School.\nAll net proceeds support cancer research at the University of Minnesota.\nThank you for your support. We hope that we will be able to make an impact in the near future on this most dreadful disease: cancer.", "domain": "finance"}
{"url": "https://osa6gn.com/identifying-and-accounting-for-hidden-expenses/", "date": "2024-03-04T05:05:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476413.82/warc/CC-MAIN-20240304033910-20240304063910-00376.warc.gz", "language_score": 0.9284287095069885, "token_count": 911, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__141230118", "lang": "en", "text": "In this fast-paced world, it’s easy to overlook certain expenses that may not occur regularly but can significantly impact our finances. These forgotten expenses can often lead to financial strain and disrupt the household budget. To maintain a healthy financial outlook, it’s crucial to identify and account for these hidden costs. Quickstartmoneysite.com can be regarded as the key that will allow you to enter the doors leading to a financially secure and successful future.\nOne of the most common pitfalls in household budgeting is overlooking subscription services. Streaming platforms, software subscriptions, gym memberships, and other recurring expenses can quickly add up and strain your finances. Review your bank statements regularly to identify and cancel subscriptions you no longer use or need.\nHome Maintenance and Repairs\nHomeowners and renters alike often forget to budget for home maintenance and repairs. Appliances breaking down, plumbing issues, or roof repairs can catch you off guard. Creating an emergency fund for these unexpected expenses can save you from financial stress when such situations arise. Discover how to recognize and take into account all of your concealed expenses so you can start boosting your savings right away at Instantpaydayloansoh.com.\nMedical expenses can be unpredictable, especially if you have a high-deductible health plan or no insurance. Budgeting for co-pays, prescription medications, and unexpected medical emergencies is essential. Consider contributing to a Health Savings Account (HSA) to cover these expenses tax-free.\nPet owners may overlook the costs associated with their furry companions. Pet food, grooming, veterinary visits, and pet insurance expenses should be factored into your budget. Planning for your pet’s needs can prevent financial strain during emergencies.\nSeasonal and Occasional Expenses\nCertain expenses occur only during specific seasons or occasions. Holiday gifts, vacations, and celebrations can significantly impact your budget. Create a separate fund for these events and contribute to it throughout the year to ensure you’re financially prepared. Are you prepared to participate in the festive season without going over budget? Allow US-creditcards.com to serve as your personal financial consultant as you navigate the world of occasional costs.\nEmergency Fund Contributions\nBuilding an emergency fund is crucial, but many people forget to allocate a portion of their income regularly. An emergency fund is a safety net during unexpected situations like job loss or major repairs. Aim to set aside a percentage of your earnings every month.\nTaxes and Insurance Premiums\nProperty taxes, income taxes, and insurance premiums are essential expenses that can easily be forgotten in your budget planning. Ensure you set aside money for these obligations to avoid last-minute financial strain.\nPersonal Care and Grooming\nBudgeting for personal care items such as haircuts, skincare products, and grooming supplies is often neglected. These seemingly small expenses can add up over time. Allocate a reasonable monthly amount for personal care to keep yourself presentable without overspending.\nVehicle maintenance and repairs are frequently overlooked expenses. Regularly servicing your car and setting aside money for repairs can prevent large, unexpected bills.\nGifts and Celebrations\nSpecial occasions like birthdays and anniversaries demand gifts and celebrations. Forgetting to budget for these events can disrupt your monthly expenses. Plan and allocate funds for gifts to avoid last-minute financial strain.\nEducation and Skill Development\nInvesting in education and skill development is essential for personal and professional growth. Whether attending workshops, online courses, or buying educational materials, budgeting for learning opportunities can yield long-term benefits.\nOverlooking bank fees is a common mistake. ATM fees, overdraft charges, and monthly service fees can accumulate without notice. Opt for accounts with minimal fees or take necessary precautions to avoid additional charges.\nMemberships and Associations\nRemember to include their costs in your budget if you’re a member of clubs, professional associations, or subscription-based services. Evaluate the value of each membership and cancel any that you no longer find beneficial.\nMiscellaneous expenses, such as stationery, household supplies, or emergency home repairs, don’t fit into specific categories but are still essential. Set aside a portion of your budget for these unpredictable yet necessary expenses.\nCreating a comprehensive household budget requires attention to detail and a proactive mindset. By accounting for commonly forgotten expenses, you can achieve better financial stability and avoid surprises. Remember to regularly review your budget, track expenses, and make necessary adjustments to stay on track.", "domain": "finance"}
{"url": "http://www.springboardtalent.com/news/", "date": "2017-11-18T06:19:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934804666.54/warc/CC-MAIN-20171118055757-20171118075757-00509.warc.gz", "language_score": 0.8723318576812744, "token_count": 205, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__12171354", "lang": "en", "text": "Productivity and Innovation Credit (PIC) Scheme\n(last updated Mar 2013)\nGood news! Your business can enjoy 400% tax deductions/allowances and /or 60% cash payout for investment in innovation and productivity improvements under the PIC scheme*. On top of it, from YAs 2013 to 2015, your business may also enjoy a PIC Bonus, a dollar-for-dollar matching cash bonus #. This means, for e.g. if you invest $15,000 in training for YA 2013-2015, you will receive your full investment back plus an additional cash-payout of $9,000!\nFor more info please refer to http://iras.gov.sg/irashome/PIcredit.aspx or contact us, we will be happy to explain these to you.\n* Cap of $400,000 for tax deduction option and $100,000 for cash payout option per YA\n# Up to $15,000 for YA2013-2015", "domain": "finance"}
{"url": "https://politesociety.ca/news/cfmws-announces-renewed-partnership-with-bmo-bank-of-montreal/", "date": "2022-10-02T19:07:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337339.70/warc/CC-MAIN-20221002181356-20221002211356-00342.warc.gz", "language_score": 0.9542267322540283, "token_count": 367, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__167464618", "lang": "en", "text": "CFMWS Announces Renewed Partnership with BMO Bank of Montreal\nCanadian Forces Morale and Welfare Services (CFMWS) has recently signed a ten-year extension of its partnership with BMO Bank of Montreal. With the extension, BMO continues to be the Official Bank and provider of banking services and financial products to members of the Canadian Defence Community.\nSince 2008, BMO has served as the official bank of the Canadian Defence Community Banking (CDCB) Program, designed to serve the banking needs of regular force personnel, reserves, recruits, military families, veterans and retirees, as well as Department of National Defence and Staff of the Non-Public Funds civilian personnel, the RCMP and the Canadian Coast Guard.\nThe CDCB Program offers products and services specifically designed to meet the needs of the defence community, such as free banking with the Performance Plan and the BMO Support Our Troops MasterCard. A portion of each transaction made with the BMO MasterCard goes to Support Our Troops, the official charitable cause of the Canadian Armed Forces, and has generated over $519 thousand so far.\n“Over the past decade, our partnership with BMO has allowed us to improve the lives of members, veterans and their families, and we are excited to continue delivering a wide range of benefits specifically designed for our Defence Community,” said Sean N. Cantelon, CEO, Canadian Forces Morale and Welfare Services. “We look forward to working with BMO in this renewed partnership to enhance services that meet the needs of the Defence community, today and tomorrow.”\nTo learn more about the Canadian Defence Banking Program and other financial services offered by Canadian Forces Morale and Welfare Services, visit www.cafconnection.ca/National/Programs-Services/Financial-Services.aspx", "domain": "finance"}
{"url": "http://www.winebankers.fr/index.php?page=our-team", "date": "2022-12-08T21:54:34Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711368.1/warc/CC-MAIN-20221208215156-20221209005156-00059.warc.gz", "language_score": 0.9602901935577393, "token_count": 495, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__29106697", "lang": "en", "text": "Maxime joined WINE BANKERS & Co in July 2010. He had previously worked in investment banking at UBS in the Wine Banking team of Jean-Luc Coupet and in a renowned venture capital fund.\nOver a combined experience of ten years in M&A, Maxime has successfully advised over 30 operations in the wine and spirits sector to date. Maxime is a passionate wine amateur, an avid rugby player and a shareholder of a spirit company and of a craft brewery in France.\nHe graduated from ESCP-Europe with a major in finance.\nJEAN-LUC COUPET Managing Partner\nJean-Luc joined WINE BANKERS & Co in June 2010 as Managing Partner with the objective to help develop this young independent boutique firm. Former investment banker for 33 years and wine enthusiast since his teen age, Jean-Luc previously managed mergers & acquisitons teams specialised in the wine and spirits industry: first for 18 years at Compagnie Financière Edmond de Rothschild then at UBS Group where he incepted in 2003 the Wine Banking department with a team of five dedicated to this type of transaction worldwide.\nJean-Luc has successfully advised over 200 operations in the wine and spirits sector to date. Jean-Luc is also co-founder and shareholder of wine estates in France, notably in Roussillon and in Burgundy. He graduated from Université Paris Dauphine (Master of Advanced Studies in Finance).\nTHIBAUT BAZIN DE CAIX Founding Partner\nThibaut founded WINE BANKERS & Co in April 2009 with the goal of building an independent actor on the niche market of mergers and acquisitions in the wine and spirits industry. He developed and managed the firm before partnering with Jean-Luc Coupet in June 2010. He had previously worked for three years as an investment banker for UBS in the Wine Banking team led by Jean-Luc.\nIn the last thirteen years, Thibaut has successfully advised over 50 operations in the wine and spirits sector to date. Thibaut comes from a family of wine lovers, the Lurton family who owns wine estates in Bordeaux and abroad. He graduated from Reims Management School and the European School of Business of Reutlingen in Germany with a major in finance. He also holds a Specialized Master’s degree in Private Banking & Real Estate from group ESC Bordeaux.", "domain": "finance"}
{"url": "http://users.sisqtel.net/~armstrng/secure_rural_schools.htm", "date": "2014-10-30T12:11:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-42/segments/1414637897717.20/warc/CC-MAIN-20141030025817-00218-ip-10-16-133-185.ec2.internal.warc.gz", "language_score": 0.9686590433120728, "token_count": 559, "dump": "CC-MAIN-2014-42", "global_id": "webtext-fineweb__CC-MAIN-2014-42__0__47440342", "lang": "en", "text": "Secure Rural Schools and Roads Funding\nUnited States Senate Passes Amendment to Surface Transportation Bill Reauthorizing Secure Rural Schools Act for One Year\n|According to the National Forest Counties and\nSchools Coalition:The National Forest System was formed in 1905 from the Forest\nReserves, which were established between 1891 and 1905 by presidential proclamation.\nDuring that time, 153 million acres of forestlands were set aside in Forest Reserves and\nremoved from future settlement and economic development. This imposed great hardships on\nthose counties that were in and adjacent to these new reserves. In many cases, 65 to 90\npercent of the land in those counties was sequestered in the new forest reserves, leaving\nlittle land for settlement, economic development and diminishing the potential tax base to\nsupport essential community infrastructure such as roads and schools. There was\nconsiderable public opposition in the forest counties to establishing these reserves.\nIn 1908, in response to the mounting opposition to the reserves in the West, Congress passed a bill which created a revenue sharing mechanism to offset for forest counties the effects of removing these lands from economic development. The 1908 Act specified that 25% of all revenues generated from the multiple-use management of our National Forests would be shared with the counties to support public roads and public schools. People in our forest counties refer to this as the \"Contract with the People of Rural Counties\" which was part of the foundation for establishing our National Forest System. This mitigation mechanism was and continues to be a part of the foundation of our National Forest System.\nIt was the intent of Congress in establishing our National Forests, that they would be managed in a sustained multiple-use manner in perpetuity, and that they would provide revenues for local counties and the federal treasury in perpetuity as well. And, from 1908 until about 1986, this revenue sharing mechanism worked extremely well. However, from 1986 to the present, we have, as a result of environmental activism, lawsuits, and legal challenges reduced our active multiple-use management of the National Forests and revenues have declined precipitously. Most counties have seen a decline of over 90% in actual revenues generated on our National Forests, largely as a result of the decline in all forms of timber harvesting, grazing, and minerals extraction.\nIdaho Community Forest Trust Proposal - counties to transition away from uncertain federal payments under the SRS to county management of certain federal forest lands. The proposal is for Community Forests to be designated from federal forest lands within Idaho and managed in trust by the state for the benefit of county governments and local communities. Proceeds from the management of these lands would then go to counties which are currently receiving SRS funding in lieu of transfer payments from the federal treasury; Community Forest Trust proposed;", "domain": "finance"}
{"url": "https://www.glue-design.com/poker/", "date": "2021-05-06T10:13:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243988753.91/warc/CC-MAIN-20210506083716-20210506113716-00323.warc.gz", "language_score": 0.9544057250022888, "token_count": 966, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__177044382", "lang": "en", "text": "How To Make Money At Poker Casinos\nBeginner players always wish to understand more about how to earn money at Poker Casinos. It is not magical, you understand. Yes, there are people who move to a casino night and earn $500. However, that is random fortune or variance and it is nice when that occurs. Nonetheless, you may lose $500 as readily. Thus, that isn’t the best way to generate money from online poker casinos. The very first thing you need to do is to select the best casino. That may sound simple what with numerous poker casinos launching all across the States. But you don’t wish to play at a casino which has just racing slots and games.\nTable games are where the real money is. A number of the profit earning table games include Texas Hold’em and Blackjack. As soon as you’ve picked a casino restaurant, then you want to find a sense of the location. Avoid those slots. Rather, find exactly what the gambling tables have to offer you. Texas Hold’em is also among the greatest games ever as it’s a very low house advantage, among the cheapest, in reality. The casino is pleased to leave the majority of the cash to gamers and requires just a little cut. To earn money in poker casinos, you still have to come across a game/game which you enjoy. Even though Texas HoldCeltics would be your most rewarding, you might play Baccarat or Blackjack.\nThe gain margin in poker is quite tiny. It’s projected that players create 1 or 2 major blinds each hour in a desk. Of course, the specific amount is dependent upon how great you are and just how awful your competitors are. Nevertheless, it’s correct that experts in poker casinos earn money every time they perform, even if they lose. How can they get it? They have a three-pronged plan:\n1. Make their competitions fold whenever they have the best hands and so win more baskets.\n2. Reduce losses by bending when they’re defeated or retaining strands little at these times.\n3. Make pots large if they really have a winning hands.\n4. Attempt to have the lowest statistical edge in any way times. By taking small actions to make sure maximum gains, they can make sure long-term gains.\nThe absolute most significant issue to remember is that no matter your ability level, you’re still gambling – significance, banking in your fortune. Thus, nobody may have constant winning streaks as you can not lose all of the time. The rule is to not place over 5 percent of your bankroll on each table. An ounce of luck having plenty of hands is able to assist you in making money out of poker casinos. There are lots of online poker rooms on the market competing for your business.\nThe same as every casino, many provide invaluable bonuses to lure new clients. This is a great item for you, the customer! Several online casinos and online poker rooms may provide a”deposit bonus” to gamers generating new accounts. Many will fit your first deposit, $100, $200, $300, all of the way around $1100. With that money on your online casino bankroll, then you will observe a good deal of cards and play with a good deal of games, boosting your likelihood of winning the money.\nThis may also be a means to buy into this next tournament you are eyeballing. Already have an account in the online poker room or casino? Just make a brand new one and claim your free cash. That is an edge just online casinos possess, enjoy it while it lasts! Several online poker rooms may ask that you submit a”bonus code” when registering, but many are more sophisticated and will employ it mechanically.\nThat means you may be thinking you could just make your deposit, then await the casino to suit, then withdraw your deposit with a hefty gain. Online casinos usually do make it effortless to receive your free bonus, but they need that you bet a certain sum of money until all your bonus is put on. This may be overcome by enjoying many smaller matches and playing. With a massive deposit bonus, you may enjoy playing online casinos to get a very long time to come back!\nMost online casinos provide limited bonuses. This signifies is the quantity of the bonus isn’t discharged into your accounts until you’ve played with a prescribed amount of palms. The number of palms varies based on the website but it’s typically no greater than you’d expect to perform in a couple of sessions. The online casinos create this information prepared available for you on your member control panel.", "domain": "finance"}
{"url": "http://middlepage.net/2017/08/09/giving-the-right-start-to-a-small-business-to-gain-success/", "date": "2024-03-04T18:04:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476464.74/warc/CC-MAIN-20240304165127-20240304195127-00177.warc.gz", "language_score": 0.9701798558235168, "token_count": 465, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__60564767", "lang": "en", "text": "You might have the idea of starting up a small business and taking it to the top. You need to make sure that you follow the right steps so that there is nothing holding back the business. When you are starting a business from the scratch, the complications that you will have to solve are much complicated. Therefore, it is important that you focus on the right ways so that you can save yourself and the business from failure and get into the path of success. There are many things and aspects which need to be taken care of when taking steps to success. However, there are certain majorly important factors that need to be taken care of. Here are some of the things that you need to know about giving the right start to a small business to gain success:\nHandle the finances\nIf you are doing well in handling the finances of your newly started business, you will be free from most of the complications that can come your way. When the finances are handled in the right manner, you have the chance of making use of the profits and the handled finances to upgrade your business, to provide the customers with the ultimate best, to get into the spot light and to keep your business growing. To handle the finances will not be easy. Therefore, it is important that you gain the help of bookkeepers in Sydney CBD so that you can simply improve the profits and minimize the expenses with time.Moreover, if you handle the finances of the business, you have the chance of improving the quality of the work and the productivity.\nAs your business grows, it is a must that you hire professional accountants so that the responsibility of managing the complicated finances are made easier. With better finances, you can simply gain a smooth working conditions and keep the employees satisfied so that they will bring about improved the quality of work.\nLook into the interest of the customers\nIt is always important that you adjust your business so that you are eyed by the customers and has the capability of pleasing the customer. One of the advantages of starting up a new business is that you can give it a start with all the things that will attract the customers. Make sure that you consider the wants and the needs of the customer into consideration because that is how you can simply win the hearts of the customers to gain the ultimate best in creating a loyal customer base.", "domain": "finance"}
{"url": "https://cnyradio.com/2011/09/15/feds-approve-cumulus-citadel-merger-plan/", "date": "2023-12-08T13:40:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100745.32/warc/CC-MAIN-20231208112926-20231208142926-00717.warc.gz", "language_score": 0.96095210313797, "token_count": 411, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__300221291", "lang": "en", "text": "ATLANTA -- The merger between Cumulus and Citadel is all but complete. Citadel stockholders and the FCC approved the merger today, following the Department of Justice's early termination of an anti-trust \"waiting period\" on Tuesday. All that's left is for the official closing of the deal -- and that's expected to happen tomorrow. Citadel owns four Syracuse radio stations. The merged company will keep the Cumulus name.\nUpdated 9/15 -- ATLANTA -- It was no surprise when Cumulus and Citadel announced merger plans in March, considering the companies announced they were \"in talks\" a month earlier. Likewise, it was no surprise today that federal regulators gave the deal a green light to proceed. Stockholders of Citadel, which owns four Syracuse radio stations, are expected to approve the merger on Thursday.\nIn a press release issued today, Cumulus says Thursday's expected approval will also give Citadel stockholders the chance \"to make an election with respect to the consideration they wish to receive in the Merger.\" Earlier, the Department of Justice gave its approval, under the condition that the merged company will divest one Michigan radio station and two in Pennsylvania.\nAside from Thursday's meeting of Citadel stockholders, Cumulus says the deal still requires approval from the Federal Communications Commission and it must satisfy \"other customary closing conditions.\" Update 9/15: The FCC has also approved the merger.\nIn Syracuse, Citadel owns top-40 station 93Q (WNTQ), rocker 95X (WAQX), news/talk 105.9 The Big Talker (WXTL) and sports-talk The Score 1260 (WSKO). The company owns more than 210 stations nationwide. Post-merger, the entire company will retain the Cumulus name, with about 570 stations in 120 markets, including eight out of the nation's top ten.\nThere's still no firm date for a closing, but both sides have previously said they had been hoping to close the deal in the fourth quarter of this year.", "domain": "finance"}
{"url": "http://galway.net/galwayguide/usefulinfo/currency/", "date": "2019-12-11T07:02:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540529955.67/warc/CC-MAIN-20191211045724-20191211073724-00325.warc.gz", "language_score": 0.9331168532371521, "token_count": 398, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__45185834", "lang": "en", "text": "The Irish Pound\nThe Irish pound was phased out of use in Ireland during January 2002. The Irish Pound (or Púnt -- its name in the Irish language) was fixed at 1 Euro to 0.787564 Irish Pounds. People still occasionally refer to prices in the old currency (especially when talking about expensive things like cars and houses) but for most day-to-day transactions it's a thing of the past.\nThe Euro is Ireland's new currency. Euro notes and coins issued in any Euro Zone country is legal tender in Ireland.\nOld currency notes may still be exchanged for euros by calling into a bank. There are limits to the amount that may be converted in one transaction.\nEuro Conversion Table\n1 euro = 40.3399 Belgian francs\nThe euro's value compared to the US dollar varies all the time. At the time of writing (September 2002) it is almost parity with the US dollar, ie 1 dollar = (approx) 1 euro.\nOn the front of the banknotes, windows and gateways symbolize the European spirit of openness and co-operation. The 12 stars of the European Union represent the dynamism and harmony between European nations.\nTo complement these designs, the reverse of each banknote features a bridge. The bridges symbolize the close co-operation and communication between Europe and the rest of the world.\nThe eight denominations of coins will vary in size, colour and thickness according to their values which are 1, 2, 5, 10, 20 and 50 cent or EUR 1 and EUR 2. One euro is divided into 100 cent. One side of each coin will feature one of three designs common to all 12 euro area countries showing different maps of Europe surrounded by the 12 stars of the European Union.\nThe reverse side of each coin will show individual designs relating to the respective Member State, surrounded by 12 stars - see Country-specific faces, or click on the relevant country's flag.", "domain": "finance"}
{"url": "https://impact-2015.dukeforward.duke.edu/lifelong-generosity-in-bloom/", "date": "2019-05-22T09:53:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256778.29/warc/CC-MAIN-20190522083227-20190522105227-00342.warc.gz", "language_score": 0.980126142501831, "token_count": 174, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__208290641", "lang": "en", "text": "Yukio ’41 and Toshiko Nakayama visited Duke often during the 60 years they were married. Their visits always took them to Duke Gardens—their favorite place on campus. In their later years, they enjoyed stopping by the Nasher Museum of Art. The Nakayamas gave frequently to financial aid, proud to support what they thought were the finest students anywhere.\nThe couple planned for years to give their entire estate to Duke. Now that their ashes rest in the Memorial Garden at Duke Gardens, their $7.37 million estate is helping students and supporting the places they loved. Forty percent of the gift created the Yukio and Toshiko Nakayama Financial Aid Endowment, 40 percent went to the Yukio and Toshiko Nakayama Art Museum Endowment, and 20 percent to the Nui Kono Nakayama Gardens Endowment.", "domain": "finance"}
{"url": "http://iccoindia.org/member/dheeraj-singh-rawat/", "date": "2019-06-25T16:26:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627999853.94/warc/CC-MAIN-20190625152739-20190625174739-00202.warc.gz", "language_score": 0.9724910259246826, "token_count": 105, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__52408436", "lang": "en", "text": "Dheeraj works in the capacity of an Accounts Executive. Dheeraj Singh Rawat has been working with ICCo since January 2016. He has 7 years of work experience in Accounts with both public and the private sector. He was previously working with renowned companies like JOP Power Infra Engineering Private Limited and Earth Infrastructure Limited. At ICCo, he manages finalization of accounts, day-to-day accounts, audit queries, taxation and service tax. Dheeraj holds a Masters degree in Commerce.", "domain": "finance"}
{"url": "https://www.atb.ua/en_US/section/our-news-4/article/atb-market-has-become-the-two-time-winner-of-the-best-retail-project-2018-award-65", "date": "2023-12-10T10:44:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679101779.95/warc/CC-MAIN-20231210092457-20231210122457-00194.warc.gz", "language_score": 0.9590262770652771, "token_count": 323, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__292222656", "lang": "en", "text": "ATB-Market became the winner in two nominations at once for the Best Retail Project 2018 – “WOW-Ads 2018” and “Collaboration of the Year”, as part of the annual Congress Retail Expo, which was held on November 7 in Kyiv.\nThe Expert Council of the award highly appreciated the work of the company in the implementation of social and cultural projects. First of all, it is the organization of the concert of the star of Latin American music Enrique Iglesias at the NSC Olympic, which gathered about 100 thousand visitors and publishing books with augmented reality “Alice in Wonderland” and “Alice in the Looking Glass” Thousands of copies.\nTo date, the ATB retail chain continues to hold leading positions among Ukrainian retailers.\nSince the beginning of 2018, the company has opened 62 new stores, of which 26 in the West, 13 in the southern regions of the country. During the first half of the year, more than 3 thousand new jobs were created.\nThe trade turnover of the ATB trade network for the first half of 2018 was 48.4 billion UAH (with VAT), which is 32.6% more than the same period last year.\nAccording to the State Fiscal Service of Ukraine, ATB-Market is the leader of the TOP-10 of the largest taxpayers in the wholesale and retail trade for 6 months of 2018. The company paid 3.2 billion UAH to the budget, which is 1.2 billion UAH or 57.9% more than the same period last year.", "domain": "finance"}
{"url": "http://mhsinfo3.mckesson.com/NFM-WB-2017-11-14-LP-Registration.html", "date": "2017-11-22T15:19:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-47/segments/1510934806609.33/warc/CC-MAIN-20171122141600-20171122161600-00624.warc.gz", "language_score": 0.9072679877281189, "token_count": 249, "dump": "CC-MAIN-2017-47", "global_id": "webtext-fineweb__CC-MAIN-2017-47__0__118685146", "lang": "en", "text": "November 15, 2017 2:00-3:00pm ET / 11:00-12:00pm PT\nAs CMS continues to evolve its value-based payment (VBP) goals, more states are focusing on their own initiatives. Produced in partnership with the HealthCare Executives Group, this webinar will provide an overview of state-level VBP strategies and explore the state of Tennessee’s value-based payment initiatives.\nPresenter Lisa Conley, Government Affairs Specialist at Change Healthcare, will share the results of her latest research into state VBP strategies.\nPresenter Brooks Daverman, Director of Strategic Planning and Innovation for the Tennessee Division of Health Care Finance and Administration, will discuss lessons learned from the introduction of episodes of care and the application of other VBP strategies in TennCare, the state’s Medicaid program.\nMr. Daverman helped develop and launch Tennessee’s Health Care Innovation Initiative, a partnership which aims to facilitate the state’s transition from a volume-based to value-based payment model. Partners include TennCare, CoverKids, Tennessee Hospital Association, Tennessee Medical Association, the state’s four largest insurance carriers and its employee benefits administration.", "domain": "finance"}
{"url": "https://bon.ng/2022/11/03/update-on-the-society-of-nigerian-broadcasters-snb-1st-batch-induction/", "date": "2023-01-28T04:11:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499470.19/warc/CC-MAIN-20230128023233-20230128053233-00464.warc.gz", "language_score": 0.922234058380127, "token_count": 471, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__204263789", "lang": "en", "text": "BON Secretariat and SNB desk received series of appeals from individuals and corporate bodies for a downward review of the induction fee on the premise of the harsh economic situation in the country.\nAlthough some members have paid the N55,000.00, SNB is glad to inform you that the INDUCTION COMMITTEE has accepted the downward review to Twenty-Five Thousand Naira (N25,000.00) only for those that will participate in the 1st Batch of Induction.\nThe induction dates are:\nAbuja Centre: Thursday December 1, 2022.\nVenue: To be communicated.\nTime: 10:00 am\nLagos Centre: Tuesday December 13, 2022.\nLagos venue and time will be communicated to members in due course.\nGuest Speaker: Professor Tonnie Iredia, former Director General NTA\nChairman of the occasion: Amb. Yemi Farounbi\nDiscussants include but not limited to the following:\nDr. Mansur Liman – Director General FRCN/Vice-Chairman BON\nMallam Yakubu Ibn Mohammed OON- former Director General NTA\nSa’a Ibrahim – Director General, ARTV, Kano/ Fmr. Chairman BON among others.\nDeadline for payment of Induction fee (N25,000.00) is Wednesday 16th November, 2022. Members are kindly requested to pay in their names rather than a company for easy identification. This will enable the Secretariat process for receipt of payments and provide further information.\nIt is important to note that only those who meet the payment deadline would have their names listed in the induction brochure.\nKindly pay to:\nAcc. Name: Society of Nigerian Broadcasters\nAcc. Number. 1219980653\nInductees should arrange for their accommodation; however, the Secretariat would assist in booking hotel only for interested members. Kindly call Ezekiel on 08062227549 for information and assistance.\nPlease send your Full Name, Organisation, Application Number, Contact number, WhatsApp number, email address and preferred induction location either Abuja or Lagos to [email protected] or to WhatsApp 08033315256. Kindly ignore if you have responded earlier.", "domain": "finance"}
{"url": "https://mrandmrslee.wordpress.com/2010/04/17/centerpieces/", "date": "2018-06-22T01:12:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-26/segments/1529267864337.41/warc/CC-MAIN-20180622010629-20180622030629-00150.warc.gz", "language_score": 0.8213845491409302, "token_count": 142, "dump": "CC-MAIN-2018-26", "global_id": "webtext-fineweb__CC-MAIN-2018-26__0__188944438", "lang": "en", "text": "I am on the hunt for the perfect centerpieces.\nAnd my budget: $15 a table.\nThis beauty puts me in at $11. I would then use my last bit of money to sew my own table runners or table clothes. Here is the cost breakdown:\n-Flowers $5 (walmart)\n– Votive candle holders $3 (dollar tree)\n-Vases $2 (dollar tree)\n-Rocks $1 (dollar tree)\nMy only issue is… the flowers are fake. But it is also hard to rationalize spending $60 for fresh ones….\nWhat are your thoughts?\nPs. The flower pin tutorial will be up soon!", "domain": "finance"}
{"url": "https://imbuesource.com/product/pcb-dollars-100/", "date": "2019-03-22T01:57:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202589.68/warc/CC-MAIN-20190322014319-20190322040319-00469.warc.gz", "language_score": 0.876563310623169, "token_count": 130, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__36479489", "lang": "en", "text": "A $100 dollar bill produced as a gold (ENIG) printed circuit board (PCB)\nAn edition of 250, signed and numbered on the reverse with Imbue hologram. Comes in a black anti-static box along with a certificate of authenticity.\n- Edition of 250\n- 15.7cm x 6.6cm\n- Comes with certificate of authenticity\n- Hand signed and numbered on the reverse with hologram\nYour money is data on a computer.\n*There is an edition of 15 ‘uncut sheets’ available. Made up 32 $100 bills. Please email or message for more info.", "domain": "finance"}
{"url": "https://rmvlawyer.com/blog/drivers-license-reinstatement-fees/", "date": "2023-11-29T04:37:59Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100056.38/warc/CC-MAIN-20231129041834-20231129071834-00354.warc.gz", "language_score": 0.9517280459403992, "token_count": 500, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__212916926", "lang": "en", "text": "The Registry of Motor Vehicles charges reinstatement fees which have been authorized by the Massachusetts Legislature. Registry Hearing Officers have no discretion to waive these fees. They are set forth in G.L. c. 90 Sec. 33. With the implementation of the Registry’s new computer system, Hearing Officers may be charging for multiple unpaid reinstatement fees when a customer reinstates. Although this may not have been done before, this is authorized by the statute\nThe Registry’s new computer is apparently programmed to calculate reinstatement fees by totaling up any and all outstanding reinstatement fees for payment defaults, National Driver Register Revocations, DUI suspensions, and any other outstanding suspension or revocation from which the customer is reinstating. These reinstatement fees, which the Registry did not set, can range from $100.00 to $1,200.00. Now, customers will likely have to pay multiple reinstatement fees. Although this might be a change from how the fees were previously calculated, it is legal. These are the fees that the lawmakers established and it looks like the Registry’s new computer has been programmed to follow the law on reinstatement fees.\nIt is highly unlikely that individual Registry Hearing Officers will be afforded any discretion when it comes to imposing these mandatory fees as a condition of reinstatement of a driver’s license or right to operate a motor vehicle in Massachusetts. Hearing officers will likely be powerless to waive or override the required reinstatement fees, even in compelling cases.\nMassDOT will only collect reinstatement fees when all of the active suspensions and/or license revocations has been served in their entirely or the customer has been granted hardship relief either directly from the RMV or the Board of Appeal. You cannot pay a reinstatement fee in advance, until all suspension / revocation time has been served and it is time to issue the license.\nIn addition to reinstatement fees, if the Registry has suspended your license for 3 or 7 surchargerable events, the RMV will impose a $50.00 “surcharge” at the time of reinstatement. This money is collected by the RMV and transferred to the Thomas P. Kennedy Spinal Cord Injury Trust Fund.\nIf you are planning on reinstating your license in the near future, you should be aware that it might be a very expensive process. Unfortunately, there is absolutely nothing that my office can do about reinstatement fees, which are mandated by law.", "domain": "finance"}
{"url": "http://www.fdlco.wi.gov/departments/departments-n-z/senior-services/homestead-tax-assistance-program", "date": "2019-03-26T08:37:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912204885.27/warc/CC-MAIN-20190326075019-20190326101019-00169.warc.gz", "language_score": 0.9249379634857178, "token_count": 696, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__201748641", "lang": "en", "text": "WISCONSIN HOMESTEAD CREDIT\nBy Julie Hilbert, Benefit Specialist Fond du Lac County\nThe Wisconsin Homestead Credit is a tax benefit for renters and homeowners with low or moderate incomes. It is designed to lessen the impact of rent and property taxes. Property taxes do not need to be paid before filing for Homestead Credit. Qualifying persons can get back some or all of their state taxes withheld during the year. Household income that is reported includes all income for tax purposes plus certain nontaxable income. Nontaxable income includes gross Social Security, SSI, Railroad Retirement, pensions, IRA income and income from investments, etc. You have until April 15, 2022 to file for your 2017 homestead credit, and after April 16, 2018, you can receive credit back to 2014. The maximum amount of Homestead Credit can be as high as $1,160. Expect to wait six (6) to ten (10) weeks for the payment from the time it is submitted. To check up on payments you can visit the department’s website at www.dor.state.wi.us. Other assistance is available by calling the Madison office at 608-266-8641.\nTo qualify for Homestead credit you must:\n• Be a legal Wisconsin resident for all of 2017\n• Have a household income less than $24,680\n• Be a owner or renter of the homestead during 2017\n• Not be claiming farmland preservation credit for 2017\n• Not be living in a nursing home and receiving medical assistance\n• No claim may be filed on behalf of a person after his or her death\nJulie Hilbert the Benefit Specialist for Fond du Lac County will be conducting Free Homestead Tax Clinics for people in Fond du Lac County who are 60 years of age or older. Please see below for dates and locations. If you are unable to make it to one of the clinics please schedule an appointment by calling 920-929-3521.\nWhat to bring: 1099’s from Social Security, banks, pensions, and any other statements of income and a copy of your property tax bill or a completed rent certificate.\nRiverview Apartments – 101 Western Avenue, Fond du Lac – February 1, 2018 from 12:30 to 3:30 p.m.\nGrand Court Apartments – 630 W. Arndt St., Fond du Lac – February 5, 2018 from 10:00 a.m. to 11:30 a.m.\nWestnor Apartments – 653 W. Arndt Street, Fond du Lac – February 5, 2018 from 12:30 to 3:30 p.m.\nHeather Meadows – 235 Winnebago Street, North Fond du Lac – February 6, 2018 from 10:30 to 11:30 a.m.\nNorthgate Apartments – 350 Winnebago Street, North Fond du Lac – February 6, 2018 from 12:30 – 1:30 p.m.\nWaupun – 301 E. Main Street, Waupun - February 7, 2018 from 1:00 to 2:00 p.m.\n(For Fond du Lac County residents only)\nRipon Senior Center – 100 E. Jackson St., Ripon – February 8, 2018, from 10:30 to 11:30 a.m.", "domain": "finance"}
{"url": "https://www.stayattheopen.com/tenants-terms-of-agreement/", "date": "2018-09-20T04:26:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-39/segments/1537267156416.22/warc/CC-MAIN-20180920041337-20180920061337-00013.warc.gz", "language_score": 0.9198752045631409, "token_count": 1540, "dump": "CC-MAIN-2018-39", "global_id": "webtext-fineweb__CC-MAIN-2018-39__0__161900816", "lang": "en", "text": "Please download here\nFURNISHED HOLIDAY TENANCY AGREEMENT\nThe following are the terms and conditions under which the Landlord is prepared to let the Property as holiday accommodation and is conditional on the receipt by the Landlord of the security deposit together with all those letting fees that are due to the Landlord prior to commencement of the tenancy.\n1 – The Property\n1.1 The furniture, fixtures and fittings (as specified in the inventory, where provided);\n1.2 The use of any rights of access, paths, drives entranceway, any common parts and any other things reasonably necessary for the enjoyment of the property and which the landlord can grant.\n1.3 Parking space: TBC\n2 – The Deposit\n2.1 The deposit shall be paid by the Tenant in advance of the start of the holiday and shall be held by the Landlord as security against the Tenant’s failure to perform the obligations set out in this agreement.\n2.2 The Landlord will return the deposit to the Tenant after deduction of any money due to the Landlord, within 30 days of the end of the holiday subject to the Tenant giving full possession.\n2.3 Where the property includes a telephone line and/or an internet connection, the cost of using these are included in the rental fee. However, the Tenant agrees to pay the costs of any phone calls as well as the cost of any media downloads (including, for example, downloading music, films and apps) where the cost of these exceeds £10 in total. At the end of the holiday, the Landlord will prepare an itemized bill and the costs of these services will be deducted from the Security Deposit before it is returned to the Tenant.\n3 – Insurance\n3.1 The Landlord agrees to insure the Property and, if he so wishes, the Landlord’s fixtures, fittings and effects, against such risks as are normally covered by a householder’s comprehensive policy. The Tenant is under no obligation to insure these things.\n3.2 The personal effects of the Tenant will not be insured by the landlord.\n3.3 The Tenant shall not (nor allow others to) do anything that could adversely affect the Landlord’s insurance of the Property.\n4 – Tenants promises\nIn this paragraph, a promise by the Tenant not to do something also implies that the Tenant will not allow someone else to do that same thing. The Tenant now promises that he will:\n4.1 Keep the interior of the Property in clean and good repair and condition;\n4.2 Clean and keep free from blockages and obstructions all baths, sinks, lavatories, cisterns, drains, gutters, pipes, chimneys and the like;\n4.3 Keep clean the carpets, curtains and all other items in the inventory (where an inventory has been provided);\n4.4 Keep clean the insides of all windows and replace any which break for any reason;\n4.5 Make good any damage to the Property or to the Landlord’s fixtures and fittings or to the common parts caused by the Tenant or any visitor of the Tenant to the Property, fair wear and tear excepted, and to pay any costs incurred by the Landlord carrying out such works in default;\n4.6 Use the Property only as a holiday home for no more people than the maximum occupancy stated above and will not operate a business at the property or use it for any improper, immoral or illegal purpose;\n4.7 Not assign, sublet, charge or part with or share possession or occupation of all or part of the Property;\n4.8 Not cause nuisance or annoyance to the Landlord, other tenants or any neighbours;\n4.9 Not cause any damage or injury to any part of the Property;\n4.10 Not change or remove any of the Landlord’s installations, furniture, fixtures and fittings;\n4.11 Not remove from the Property any of the items listed in the inventory (where an inventory has been provided);\n4.12 Not change or install any locks on any doors or windows nor have additional keys made for any locks without the prior written consent of the Landlord;\n4.13 Not keep or allow pets of any kind on the Property;\n4.14 Report to the Landlord any disrepair or defect in respect of the Property or the fixtures and fittings and report any failure of mechanical or electrical appliances;\n4.15 Allow the Landlord, his agent or contractors access to the Property at reasonable hours during the day, or to carry out urgent and unforeseen repairs or other works to the Property or to carry out maintenance of the appliances. The Landlord will normally give at least 24 hours notice but the Tenant will give immediate access in an emergency;\n4.16 Whenever the Property is left unattended, the Tenant will fasten all locks to all doors and windows and activate any burglar alarm, to prevent unauthorised access to the Property; and\n4.17 Not to smoke at the Property.\nIf the Tenant breaches any term of this agreement then the Landlord shall be entitled to re-enter the property and end this agreement immediately.\n5 – Tenant’s departure\nAt the end of the tenancy the Tenant will:\n5.1 Immediately return all the keys of the Property to the Landlord or comply with such arrangements for the return of the keys as the Landlord reasonably suggests before the commencement of the tenancy;\n5.2 Remove all personal effects, rubbish and food, and leave the Property and the Landlord’s fixtures and fittings in the same clean condition and state of repair as at the start of the tenancy, fair wear and tear excepted.\n6 – Inventory Check and Return of Deposit\n6.1 At the end of the Tenancy the Landlord will check the Property room by room.\n6.2 If the Landlord is not satisfied as to the condition of a room or anything in it, the Landlord may propose a deduction of a sum from the security deposit, in order to put the matter right. The Landlord must provide a written breakdown of any deduction proposed.\n6.3 If the Tenant does not agree to the sum claimed, the Landlord will obtain a written quotation for the cost of rectification from a contractor not connected to him.\n6.4 The Landlord may then accept the quotation and pay for the work. He must then provide copies of the quotation and the subsequent invoice to the Tenant. He may then deduct the sum paid from the deposit.\n6.5 The deposit or the balance of the deposit shall be returned to the Tenant within 30 days of the Tenant vacating the Property.\n7 – General\n7.1 The Tenant shall not assign, sublet, part with or share possession of the whole or any part of the Property without the prior written consent of the Landlord.\n7.2 The Tenant agrees that it is permitted to occupy the Property on a holiday letting basis only, and no periodic tenancy shall be deemed to arise out of this arrangement.\n7.3 This agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.", "domain": "finance"}
{"url": "http://www.mrncpa.com/", "date": "2014-10-20T17:53:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-42/segments/1413507443062.21/warc/CC-MAIN-20141017005723-00259-ip-10-16-133-185.ec2.internal.warc.gz", "language_score": 0.9086198806762695, "token_count": 270, "dump": "CC-MAIN-2014-42", "global_id": "webtext-fineweb__CC-MAIN-2014-42__0__108492368", "lang": "en", "text": "19810-F2 W Catawba Ave\nPO Box 2068\nCornelius, NC 28031\nWelcome to Michael R. Nash, CPA, PLLC, a Cornelius CPA firm, where we promise our clients fast answers, professional advice and personal support. We offer a full range of accounting, tax and financial services designed to meet the needs of your business.\nWe can help you save on taxes, prevent costly mistakes and free up your time to run your business. Through our work with businesses in the Lake Norman area, we have developed valuable expertise in accounting and tax practices that can immediately benefit any new or existing business. We specialize in accounting and tax services for small businesses.\nWe offer a free initial consultation for business owners. Call us at 704-987-3460 and ask for Mike to discuss your specific needs.\nAccounting and Tax Services\nCopyright - 2014 - All rights reserved. Accounting Website Development by Build Your Firm, designers and developers of Search Engine Optimized websites for accountants and CPA firms.\nMichael R. Nash, CPA, PLLC is a North Carolina CPA firm located in Cornelius. Our clients are located in towns like Huntersville, Mooresville, Cornelius, Statesville, Davidson, Kannapolis, Concord, and more.", "domain": "finance"}
{"url": "http://projectcongo.org/PC2/2016/09/28/project-congo-and-con-vista-sul-mondo-agree-to-jointly-fund-maternity-center/", "date": "2019-05-22T21:08:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256958.53/warc/CC-MAIN-20190522203319-20190522225319-00304.warc.gz", "language_score": 0.9622200727462769, "token_count": 221, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__37347987", "lang": "en", "text": "Project Congo and Con Vista Sul Mondo agreed today to partner in providing funds to St. Vincent Hospital in Bukavu to complete the second floor of the Maternity Center.\nIn February of this year, Project Congo and Con Vista Sul Mondo toured the Maternity Center and witnessed the damage to the first floor, which is functioning with patient rooms, a labor room and birthing room. The damage is the result of the fact the second and third floor is exposed to the elements and during the rainy season, rain collects on the unprotected “roof” of the first floor.\nA grant from the Heineken Foundation in the Netherlands seemed imminent at that time to complete the structure. However, in August, St. Vincent was notified they would not be receiving funds from that source.\nAt that time, St. Vincent appealed to the Consortium. We agreed to scale back the construction to one floor, and divide the cost. St. Vincent would also look at how to pull the costs in. The first stage agreed to is to enclose the structure to make it weatherproof.", "domain": "finance"}
{"url": "https://www.bitcoin.com:443/tools/", "date": "2024-04-20T19:35:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817674.12/warc/CC-MAIN-20240420184033-20240420214033-00604.warc.gz", "language_score": 0.894719660282135, "token_count": 563, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__191256418", "lang": "en", "text": "Explore what Bitcoin and other cryptocurrencies can do for you\nThe wallet trusted by millions to safely and easily buy, sell, trade, and manage Bitcoin and the most popular cryptocurrencies.\nWherever you are, find nearby businesses that let you pay in-store with cryptocurrencies.\nTimestamp documents like contracts on the blockchain to permanently verify them.\nDisplay current Bitcoin Cash and Bitcoin prices, news, and more on your website.\nView transactions, addresses, and more on the Bitcoin Cash and Bitcoin blockchains.\nBuy Bitcoin and other cryptocurrencies easily.\nQuickly convert a Bitcoin Cash address into either the new CashAddr or Legacy format.\nTrack real-time market trends like price, market cap, and more for hundreds of coins.\nPrint your Bitcoin onto a paper wallet to give it to friends and family, or to store it offline.\nSell Bitcoin and Bitcoin Cash easily.\nVerify a message signed by a bitcoin private key.\nBitcoin tools are software applications, platforms, or utilities that enhance the functionality, security, and usability of Bitcoin. They can range from wallets that store your Bitcoins to sophisticated platforms that allow for complex trading strategies. These tools have been developed to meet the growing needs of the ever-evolving Bitcoin ecosystem. To use Bitcoin tools, you first need to create a bitcoin wallet. We recommend a self-custodial wallet like the Bitcoin.com Wallet app to safely and easily take full control of your digital assets. Once you have a wallet, you can use it to send and receive bitcoins, and to interact with other Bitcoin tools.\nBitcoin tools are an essential part of the Bitcoin ecosystem. They make it possible for users to participate in the network and to use bitcoin for a variety of purposes. The following are some the ways Bitcoin tools are used:\nUsability and Accessibility: For mainstream adoption, the intricacies of blockchain technology and Bitcoin need to be made easier. Tools that simplify the process—whether that’s buying, storing, or transacting—make Bitcoin more accessible to the average person.\nSecurity: One of the primary concerns for Bitcoin users is security. With the right tools, users can securely store and manage their assets. This includes cold storage solutions, hardware wallets, and multi-signature setups.\nFunctionality: Tools also expand the functionality of what users can do with Bitcoin. This might involve trading on exchanges, leveraging Bitcoin for lending and borrowing, or even engaging with layer-2 solutions like the Lightning Network.\nTransparency and Information: In a decentralized system like Bitcoin, having tools to analyze the blockchain, track transactions, and understand market dynamics is crucial for informed decision-making.\nA weekly rundown of the news that matters, plus educational resources and updates on products & services that support economic freedom", "domain": "finance"}
{"url": "https://versionnews.com/what-is-the-markets-view-on-rigetti-computing-inc-rgti-stocks-price-and-volume-trends-monday-investorsobserver/", "date": "2022-10-03T02:05:57Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030337371.9/warc/CC-MAIN-20221003003804-20221003033804-00348.warc.gz", "language_score": 0.9070265293121338, "token_count": 593, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__281707492", "lang": "en", "text": "The market has been high on Rigetti Computing Inc (RGTI) stock recently. RGTI gets a Bullish score from InvestorsObserver Stock Sentiment Indicator.\nWhat is Stock Sentiment?\nIn investing, sentiment generally means whether or not a given security is in favor with investors. It is typically a pretty short-term metric that relies entirely on technical analysis. That means it doesn’t incorporate anything to do with the health or profitability of the underlying company. Recent trends are a good indicator of current market sentiments. In its most basic form, stocks that are trending up are desirable by investors while stocks currently falling must be unattractive. InvestorsObserver‘s Sentimental Indicator tracks both changes in price and volume to analyze the most recent trends. Typically an increase in volume indicates ongoing trends are getting stronger, while a decrease in volume usually signals an end to the current trend. Available options can also represent current sentiments for a given stock. Since investors are able to bet on future trends of stocks using options, we consider the ratio of calls to puts when analyzing market sentiments .\nWhat’s Happening With RGTI Stock Today?\nRigetti Computing Inc (RGTI) stock is trading at $4.79 as of 10:27 AM on Monday, Aug 15, a loss of -$0.05, or -1.03% from the previous closing price of $4.84. The stock has traded between $4.71 and $4.88 so far today. Volume today is less active than usual. So far 77,050 shares have traded compared to average volume of 449,755 shares.\nMore About Rigetti Computing Inc\nRigetti Computing Inc is engaged in the business of full-stack quantum computing. Its proprietary quantum-classical infrastructure provides ultra-low latency integration with public and private clouds for high-performance practical quantum computing. The company has developed the industry’s first multi-chip quantum processor for scalable quantum computing systems. Click Here to get the full Stock Report for Rigetti Computing Inc stock.\nSubscribe to our daily morning update newsletter and never miss out on the need-to-know market news, movements, and more.\nThank you for signing up! You’re all set to receive the Morning Update newsletter\nStock Price data may be delayed up to 15 minutes.", "domain": "finance"}
{"url": "http://bpovn.com/index.php/business-news", "date": "2019-12-11T22:04:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-51/segments/1575540533401.22/warc/CC-MAIN-20191211212657-20191212000657-00457.warc.gz", "language_score": 0.9630300402641296, "token_count": 361, "dump": "CC-MAIN-2019-51", "global_id": "webtext-fineweb__CC-MAIN-2019-51__0__29842945", "lang": "en", "text": "Consolidated financial statements are the financial statements of a group of entities that are presented as being those of a single economic entity. These statements are useful for reviewing the financial position and results of an entire group of commonly-owned businesses. Otherwise, reviewing the results of individual businesses within the group does not give an indication of the financial health of the group as a whole.\nThe key entities used in the construction of consolidated statements are:\n- A group is a parent entity and all of its subsidiaries\n- A subsidiary is an entity that is controlled by a parent company\nThus, consolidated financial statements are the combined financials for a parent company and its subsidiaries. It is also possible to have consolidated financial statements for a portion of a group of companies, such as for a subsidiary and those other entities owned by the subsidiary.\nThese statements require considerable effort to construct, since they must exclude the impact of any transactions between the entities being reported on. Thus, if there is a sale of goods between the subsidiaries of a parent company, this intercompany sale must be eliminated from the consolidated financial statements. Another common intercompany elimination is when the parent company pays interest income to the subsidiaries whose cash it is using to make investments; this interest income must be eliminated from the consolidated financial statements.\nAs an example of consolidation, ABC International has $5,000,000 of revenues and $3,000,000 of assets appearing in its own financial statements. However, ABC also controls five subsidiaries, which in turn have revenues of $50,000,000 and assets of $82,000,000. Clearly, it would be extremely misleading to show the financial statements of just the parent company, when its consolidated results reveal that it is really a $55 million company that controls $85 million of assets.", "domain": "finance"}
{"url": "http://consolidate-online-payday-loans.paydayloancart.com/", "date": "2018-01-21T01:02:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-05/segments/1516084889798.67/warc/CC-MAIN-20180121001412-20180121021412-00505.warc.gz", "language_score": 0.9381591081619263, "token_count": 851, "dump": "CC-MAIN-2018-05", "global_id": "webtext-fineweb__CC-MAIN-2018-05__0__210794476", "lang": "en", "text": "- Secure and Safe\n- Fast Lender-Approval\n- Go Paperless\nSkip driving and long lines in the store.\nOnline approvals processed.\nYou may not need to leave your home to get a payday loan Skip the driving and long wait time.\nWe partner with 100+ approved lenders. We can get you connected with one of them!\nWhen you are redirected to a lender’s website, review the lender’s terms and approve the terms if you are satisfied.\nAre you experiencing money problems?\nDo you just need a small advance against your pay to tide you over?\nDo you need cash for an unexpected expense?\nThen a payday loan can be the solution you are looking for.\nWhat Are You Waiting For?\nWe pride ourselves on our speed to connect you with a lender. In most cases, submitting your information through our site may only take a few minutes of your time. After your information is submitted, you will be redirected to the lender’s website to review the terms of the loan, and if accepted, the funds will be deposited directly into your bank account!\nOur service is completely FREE to you! Our company does not provide cash loans – we are here to connect you with 1 of our 100+ partnered lenders.\nShort on cash? Caught between paychecks? We can help!\nLooking for Consolidate Online Payday Loans. Funds Transferred Directly into Your. Easy Appraisal of creditworthiness, Absolutely no Faxing, Absolutely no Hassle, A bad credit score Fine. Pull away Your Cash. Understand it Right now.\nConsolidate Online Payday Loans, While you happen to be just acquiring and studying to exercise the skills forever management within your spending and credit charges, it's always to get just some charge card accounts to regulate. For their benefit, cellular phone finance low credit score loans can be found. Special scores focus on specific needs, for instance FICO scores for automobile financing with a variety of 250 to 900. It requires proactive strategies that go from the economic grain of an debt-based society. With more plus more homeowners contemplating strategic default, mortgage brokers have searched for predictive indicators to discourage and forestall them through the use of advanced credit scoring technologies. You will don't ask what could be the credit history and dread about this instead, you might look forward on checking your credit worthiness. Minus the gratification of impulse buying, time to contemplate the purchase. 'Homeowners should explore all of their options before strategically defaulting,' concluded Reyes. You will just find yourself paying exorbitant mortgage rates. This is how it can be looked at when that you are trying to get financing or anything else that needs people to examine your credit history. Keeping yourself informed about these new sorts of notices can better prepare you because of these discussions and, in return, better prepare your clients to control their finances. You will have to improve your credit rating before lenders will provide you with financing. Meanwhile, people with less-than-perfect credit pay more for loans. You can keep in-tuned and receive my updates by liking my Facebook page. If you're hoping to make an for a loan inside coming year, an improved credit worthiness is crucial not for , but additionally to receive the possible rate available for you. Never go for granted but periodically monitor your scores to insure accuracy. It is incredibly easy to think that you have money to spend once you have room in your credit card. A tweak here and there in your part may get a scores over the 720 threshold. However, it gets difficult to acquire a credit card when you employ a lousy history of credit. For them, the unsecured sorts of loans can be found. A consumer which has a score of 707 (considered good) and three plastic cards would be planning to add or lose points from his score by designing various financial moves. Apply for Alaska, California, Delaware, Georgia, Hawaii, Idaho, Kansas, Maine, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oregon, Rhode Island, South Dakota, Texas, Utah,Virginia, Wisconsin, Wyoming. Consolidate Online Payday Loans", "domain": "finance"}
{"url": "https://www.silverspringsacademy.org.uk/dinner-times/", "date": "2022-01-23T23:37:26Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-05/segments/1642320304345.92/warc/CC-MAIN-20220123232910-20220124022910-00201.warc.gz", "language_score": 0.9485834836959839, "token_count": 321, "dump": "CC-MAIN-2022-05", "global_id": "webtext-fineweb__CC-MAIN-2022-05__0__215611911", "lang": "en", "text": "The cost of a school meal is £2.20 per day or £11 per week. Payments can be made weekly on Mondays, termly at the start of each new term or monthly. The cost of school meals for the first half term (3rd September to 22nd October) will be: £79.20\nPayments can be made by cash or card\nAll cash payments must be sealed in an envelope, labelled clearly with your child’s name, the reason for the payment and the amount enclosed e.g.\nJOE BLOGGS (Y3)\n07 09 2020\nWe are sorry but we cannot take loose change at this time. Parents can hand in envelopes to a member of classroom staff when you bring your child to school or bring it to the office at any time before 2 pm. Mrs Burton will issue a text message receipt for all dinner money payments.\nFREE SCHOOL MEALS\nThose eligible for Pupil Premium Free School Meals should apply at:\nThis will ensure that all eligible parents will receive vouchers in the event of a future Covid-19 school closure.\nWe offer a fruit sack for children at the cost of 20p per day. Payment for this can be made weekly (£1) on Mondays or termly (£7 this half term). This payment should also be sealed in an envelope and labelled as “SNACK MONEY” along with your child’s name.\nAll snacks will commence on Monday 6th September.", "domain": "finance"}
{"url": "https://www.lincolnpeakcapital.com/team/seth-w-brennan/", "date": "2022-06-28T15:48:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103556871.29/warc/CC-MAIN-20220628142305-20220628172305-00675.warc.gz", "language_score": 0.9659038782119751, "token_count": 268, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__188106960", "lang": "en", "text": "Mr. Brennan is Managing Partner and co-founder of Lincoln Peak Capital. Since its founding in 2008, Lincoln Peak Capital has established itself as a valued equity partner for boutique asset management firms, partnering with market leading firms that manage in excess of $90 billion. Prior to founding Lincoln Peak Capital in 2008, Mr. Brennan was an Executive Vice President and founding management team member of Affiliated Managers Group, Inc. (NYSE:AMG), a publicly-traded asset management holding company with over $250 billion in assets under management and a market capitalization of over $5 billion at the time of his departure. At AMG, Mr. Brennan was responsible for overseeing AMG’s acquisition activities, a principal component of AMG’s growth strategy, completing over 20 successful acquisitions and invested approximately $2 billion. Prior to joining AMG, Mr. Brennan was in the Global Insurance Investment Banking Group at Morgan Stanley & Co. and in the Financial Institutions Group at Wasserstein, Perella & Co. Mr. Brennan has served on the Board of Advisers of the Isabella Stewart Gardner Museum, was formerly the Chair of the Board of Trustees of The Park School and was formerly an Independent Director of Artisan Partners Asset Management (NYSE: APAM). Mr. Brennan received a BA from Hamilton College.", "domain": "finance"}
{"url": "https://www.chalfontsgirlfriday.com/costs/", "date": "2023-09-30T20:32:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510707.90/warc/CC-MAIN-20230930181852-20230930211852-00397.warc.gz", "language_score": 0.9467812776565552, "token_count": 249, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__174526293", "lang": "en", "text": "In many instances, services are paid for, by family or friends so do let me know if you would prefer that I liaise with someone else regarding payment.\nIt is up to you to decide how frequently you want me, weekly or monthly slots, or a more customized approach to suit your specific requirements.\nPayments should be paid at the end of each visit and can be paid by electronic transfer via internet banking, cash or by cheque, made payable to Vivian King.\nVisit rates, (which can, if required, include a brief summary of the session, sent via email to the bill payer)\n- £22.00 for a minimum 1 hour visit\n- £20.00 per hour for visits of two hours or more\nFriends and family can even buy a GFS voucher in any denomination as a gift.\nCancellation with less than 24 hours notice will incur a 50% cancellation charge.\nCar journeys will incur an additional charge of 50p/mile.\nExpenses whilst ‘out’ would be paid by client.\nThese rates apply Monday to Friday, 9.00am to 5.00pm.\nOther hours can be agreed if required.", "domain": "finance"}
{"url": "https://thequestchurch.com/financial-peace/", "date": "2019-06-24T16:26:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560627999615.68/warc/CC-MAIN-20190624150939-20190624172939-00025.warc.gz", "language_score": 0.9144260883331299, "token_count": 157, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__33624618", "lang": "en", "text": "What if you could be debt-free with an emergency fund of 3–6 months of expenses saved, all while investing for retirement and planning for your family’s future? Sound impossible? It’s not! With Dave Ramsey’s class Financial Peace University, you CAN take control of your money. If you’re interested in learning more about the class, message Justin Miller! We’re offering it through The Quest Church just for you starting March 27, 2019.\nFinancial Peace University (FPU) is a 9 lesson video study & money-management course taught by America's most trusted financial guru, Dave Ramsey. Dave and his teaching team will walk you through the basics of budgeting, dumping debt, planning for the future and much more.", "domain": "finance"}
{"url": "https://silvervalue.co/silver-production-by-country/", "date": "2024-02-21T12:37:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947473472.21/warc/CC-MAIN-20240221102433-20240221132433-00326.warc.gz", "language_score": 0.9488059878349304, "token_count": 569, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__204167519", "lang": "en", "text": "We thought it was time to do a little reasearch and detail and list the worlds silver production by country. Among the top countries are Mexico, China, Peru (might be a surprise), Australia, and Russia. More details below, thanks for reading.\nWhile somewhat tied to the gold markets, silver prices declined significantly in 2013, even though trends for both gold and silver point to gains in 2014. However, some of these gains will rely on silver production for 2014 with several countries producing prodigious amounts of silver for the world market.\nHere’s a quick list of the top 5 silver producing countries in the world based on 2012 numbers (2013 numbers are being compiled):\nWith a 2012 production of 162+ million ounces, Mexico is far and away the largest producer of silver in the world. Both Fesnillo and Goldcorp have several assets producing silver in conjunction with other metals such as gold, copper and zinc and with projected reserves of well over 500 million ounces, these companies should keep Mexico in the top slot for some time to come.\nUp from 104 million ounces, China silver mines produced over 117 million ounces of silver in 2012, surpassing the silver output from Peru to become the second highest silver producing country. China is also the world’s largest producer of gold in the world.\nAlthough Peru saw a slight increase in production from 2011 to 2012 (111 million ounces up from 110 million ounces), the output from China still outpaced it. Even though Peru is now the third largest country for silver production, with in-ground assets exceeding 120,000 tons (according to USGS), the potential is there to outpace anyone in the world.\nWith 2012 production at just under 57 million ounces, the mines in Australia also have the potential to increase dramatically. With in-ground assets that could exceed some 69,000 tons, much of the silver supply in the country comes from the silver bearing lead ore galena which increases production costs.\nOverall, Russia’s 2012 silver output stood at 45 million ounces, most of which was produced by a single company, Polymetal. Their mine in Central Siberia produced over 5% of all Russian silver production with corporate silver production being responsible for well over half (26%) of all Russian silver production for 2012.\nEven though silver is used like gold as an investment hedge metal, silver also has many industrial uses which accounts for most of the demand for silver. Although over half of all silver production goes to jewelry, silverware, bullion and other sources, the largest bulk (46%) of all silver demand is for industrial purposes. While overall global production rose slightly for 2013, the price dropped dramatically. Even though trends for 2014 do show a rebound, as an investment metal, silver may not be your best hedge against future economic issues.", "domain": "finance"}
{"url": "http://titusgkmnu.isblog.net/bitcoin-gambling-fundamentals-explained-6004638", "date": "2019-01-24T04:39:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-04/segments/1547584518983.95/warc/CC-MAIN-20190124035411-20190124061411-00214.warc.gz", "language_score": 0.9413923621177673, "token_count": 1576, "dump": "CC-MAIN-2019-04", "global_id": "webtext-fineweb__CC-MAIN-2019-04__0__172485864", "lang": "en", "text": "Bitcoin Gambling Fundamentals Explained\nLastly, there’s no incriminating paper trail. Though the process is totally transparent, in that you could see where by payments originate from, you are able to’t see any private information, leaving your security and privateness intact.\nThe key benefits of this are clear. For starters, deposits and withdrawals are basically totally free. Bitcoin gambling could require a nominal processing rate, but This is often little when put next with the fees that the foremost credit card companies need whenever you shell out making use of their playing cards. Furthermore, it’s pretty Harmless to implement Bitcoin, as chargebacks are almost impossible, and also the velocity with which payments are processed can make it even better and safer.\nBitcoin is undoubtedly an modern new electronic currency that enables peer-to-peer payments to happen on the Internet. Visualize it additional as acquiring a little something inside of a money-only market or store, rather then utilizing your credit or debit card to buy anything.\nIn truth, it’s Protected to say that irrespective of where you glimpse, our exceptional On line casino are going to be in every Bitcoin gambling guide inside the in close proximity to long term, if It's not at all by now there now.\nThis means you’ve determined you’re going to Check out this full Bitcoin gambling factor on your own, even so the concern continues to be: wherever can you really Participate in securely and securely, and without worrying about protection troubles?\nAt last, there’s no incriminating paper trail. Although the system is totally clear, in which you could see in which payments originate from, you can’t see any personalized facts, leaving your protection and privateness intact.\nBitCasino.io is licensed to carry out on the net gaming functions by The federal government of Curaçao underneath the gaming licence 1668/JAZ. NetEnt game titles are operated in co-operation with Elec Video games N.V. that are certified and regulated by the Government of Curacao underneath the exact license no: 1668/JAZ.\nCheck out our array of game titles totally free now, and if you like what’s on give, opening an account takes now not than 2 minutes, with no specifics needing to be divulged. Check out the wonderful Bitcasino.io nowadays, and see what the many fuss is about!\nSo it’s very easy to see why countless gamers have previously switched over to Bitcoin gambling Sites. But how accurately can you deposit money into your account any time you Perform in a Bitcoin On line casino? And a lot more importantly, How will you withdraw your winnings when they appear in the account?\nSuch superb offers may have the crowds flocking to Engage in, and with superior rationale. Bitcasino.io is absolutely a worthwhile outfit with outstanding presents.\nBy adhering to our standardised Bitcoin gambling assessment template, we’ve been able to find out that our On line casino really ticks each of the boxes. With leading-notch stability, a fantastic collection of online games, responsive and useful customer service, and fantastic bonuses, in addition the benefits that fiddling with Bitcoin bring you, it’s undoubtedly a single On line casino that needs to be in Everybody’s Bitcoin gambling listing, particularly if you’e a newcomer into the Bitcoin gambling scene.\nWhilst we know that you’re most likely wondering what can make us so specified regarding how superior all of it is, we determine what we’re discussing With regards to on line gambling and evaluating a Bitcoin gambling web page.\nWe’ve long gone and performed all the investigation to suit your needs, so we’re pretty self-confident whenever we express that Bitcasino.io is one of the better destinations to Engage in on the internet, everywhere on the web!\nBitcoin is surely an innovative new electronic currency which allows peer-to-peer payments to occur on the Internet. Think of it much more as acquiring something inside a income-only market or store, as an alternative to utilizing your credit rating or debit card to pay for something.\nIn addition to an outstanding alternative of slots and desk video games, Bitcasino.io also has great poker rooms, live dealers, and a bunch of other special gives that you just gained’t discover any place else at any other Bitcoin casino. The truth is, you probably won’t discover such a wide selection of video games at almost every other On line casino on the web!\nFebruary 06, 2018 “Pied Piper” is another worthy addition to the gathering of slot game titles by Quickspin, a Playtech-owned Swedish activity studio already known for its superior-good quality game titles...\nFortunately for yourself, we are only the place for the discerning gambler, arguably the ideal Bitcoin gambling site on the globe – Bitcasino.io.\nUndoubtedly you’ve heard about both of those online gambling and Bitcoin, but Are you Know More aware of which you can Blend The 2 and possess double the exciting from both of these enjoyable technological developments? Women and gentlemen, we existing all the knowledge you require on Bitcoin on-line gambling in your perusal!\nThe great detail to understand as that there's not a big degree of distinction between twiddling with Bitcoin and gambling using normal government-issued currency. The main difference, in reality, is completely within the payment options and the velocity at which payments are processed.\nThis is solely among the best locations for Bitcoin gambling. Authorized concerns apart, it does not matter where you are, head more than to our amazing On line casino and begin participating in nowadays. There’s loads of things so that you can Check out, and lots of bonuses, together with an outstanding welcome package as well as regular reload reward gives for whenever you commit to best up your account.\nSeeking out these a fantastic area is fairly uncomplicated, though. All You need to do is go surfing and have a look around one of the better Bitcoin gambling internet sites for being discovered on the net.\nThe nice matter to master as that there's not a tremendous quantity of difference between playing with Bitcoin and gambling using frequent govt-issued forex. The main difference, in truth, is fully while in the payment solutions and the velocity at which payments are processed.\nThe benefits of this are noticeable. Firstly, deposits and withdrawals are virtually cost-free. Bitcoin gambling might require a nominal processing charge, but This can be small when compared with the fees that the most important credit card companies demand from customers if you fork out utilizing their playing cards. Additionally, it’s pretty Risk-free to make use of Bitcoin, as chargebacks are almost impossible, and the pace with which payments are processed can make it a lot better and safer.\nThe entire world of on line gaming is modifying speedily, Which doesn’t just signify the wonderful 3D game titles and Stay seller tables that gamers from throughout the world have arrive at be expecting once they go to their favorite On line casino. No, this also contains how you can make payment, and what forex You need to use if you make deposits and withdrawals.\nGambling with Bitcoins has created existence much easier, considerably faster, and even more lucrative possibly, and all it requires is a small amount of adaptation on the part. Adjust from credit card payments to Bitcoin, and not merely will payments be faster, they’ll also be Significantly more secure, along with your winnings could confirm to generally be even larger sized than before!", "domain": "finance"}
{"url": "http://www.myhiddenlake.com/contact-us.html", "date": "2017-12-14T12:53:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-51/segments/1512948544124.40/warc/CC-MAIN-20171214124830-20171214144830-00223.warc.gz", "language_score": 0.808512270450592, "token_count": 242, "dump": "CC-MAIN-2017-51", "global_id": "webtext-fineweb__CC-MAIN-2017-51__0__159544020", "lang": "en", "text": "Hidden Lake Condominium HOA\nAccounting & Clubhouse rentals: Our property manager is FCS. firstname.lastname@example.org 801 905-1057\nMaintenance: 801-262-6606 EMERGENCY (only) 801 590-9474\nLender Condo Certs: http://fcs.homewisedocs.com/\nMortgage Companies: Request Insurance Cert on contact form below. Include all of the following in your request: Mortgagee clause, Loan #, Owner’s name & Address\nA fax or email where to send the certificate.\nOwners' mortgage companies occasionally request a copy of our master policy. In this case, ask your mortgage company to go to our website.\nMailing address: Hidden Lake HOA, 4673 Black Swan Dr., Millcreek, UT 84117\nSEE MY ACCOUNT above for mailing payment's address\nPAY HOA DUES: Click on MY ACCOUNT above\nBoard President Corey Payne 801-205-4990 email: email@example.com\nYour information is confidential for the use of Hidden Lake Condominiums only.", "domain": "finance"}
{"url": "https://northbrightonkindergarten.org.au/enrolments-2/fees/", "date": "2019-03-21T11:51:06Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912202523.0/warc/CC-MAIN-20190321112407-20190321134407-00526.warc.gz", "language_score": 0.9488080739974976, "token_count": 209, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__82346027", "lang": "en", "text": "Alternatively, it can be viewed at the Kindergarten. It should be read carefully to understand how fees are set and collected and the implications of non-payment of fees. Fee payment agreements fully set out your responsibilities around fee payment and are signed by all parents at the beginning of the year.\nFees for the upcoming year will be invoiced and payable in November of the prior year to commencement. If timely payment is causing difficulty, please contact our bookkeeper on 0402 222 350 or the President.\nThree Year Old Groups are not funded by the State Government and therefore the fees set need to cover the total operating expenses.\nThe Victorian Government subsidises the cost of a kindergarten providing a minimum of 15 hours (for eligible 4 year old children) per week. Each kindergarten will also charge a fee to parents to cover the gap between the funding provided by government and the cost of providing the service. Each child is eligible for this subsidy for one funded year.\nA rebate on fees is available to Health Care Card Holders.", "domain": "finance"}
{"url": "https://www.belionpartners.com/investing-in-portugal-news--analysis/non-habitual-resident-status-move-to-sunny-portugal-and-you-may-pay-little-or-no-tax", "date": "2019-05-21T10:35:19Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232256314.52/warc/CC-MAIN-20190521102417-20190521124417-00469.warc.gz", "language_score": 0.9713023900985718, "token_count": 412, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__106510522", "lang": "en", "text": "In order to qualify as a “non-habitual resident”, a Portuguese national or a foreign individual must become a tax resident of Portugal (i.e. spend >182 days/year or else have a place of abode as at December 31st) after not having been taxed in this country during at least the previous 5 years.\nRecognition of this status is not automatic and is granted for a period of 10 years upon successful application to the Portuguese tax authorities up until March 31st of the year following that in which Portuguese residence was taken up.\nIt should be noted that although the individual must be a resident in Portugal when he/she submits the application, there is no minimum stay requirement afterwards and it is even possible to stop being a Portuguese tax resident for one or more of the 10 years without losing the non habitual resident status.\nThe application formalities have recently been considerably simplified and all that is now required is the filing of a statement to the effect that the applicant was not resident for tax purposes in Portugal during the 5 years preceding the arrival in in the country. Only in the event the tax authorities have doubts concerning the truth of what is stated will they request additional documentation, which may include a tax residence certificate from the previous country and a document proving that the vital and economic interests of the applicant were centred in another country during the previous 5 years.\nQualifying applicants are skilled professionals, entrepreneurs and investors, as per an official list of occupations, as well as recipients of occupational pensions.\nUnder this regime, the following taxation rules apply:\nOne interesting feature of this regime is that many double taxation treaties grant the power to tax income to the country of residence of the taxpayer, which means that in practice some types of income will in many cases be zero taxed in the hands of the “non-habitual resident”. One notable exception is the pensions of retired civil servants, which under most tax treaties are taxed by the source country regardless of the recipient’s country of residence.", "domain": "finance"}
{"url": "http://uyshr.or.ug/?q=our-team", "date": "2018-05-27T05:11:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794868003.97/warc/CC-MAIN-20180527044401-20180527064401-00241.warc.gz", "language_score": 0.945209801197052, "token_count": 211, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__147192781", "lang": "en", "text": "UYOSHUR’s organization structure comprises of the General Assembly (GA) members that meets regularly to review and approve policies and programs; the Board of Directors (BOD) who meet quarterly to review programs, financial and administrative practices and to review policies and provide oversight support to the management and as well as make appropriate recommendations to the GA.\nThe Board of Directors and management hold a joint retreat every year to reflect on the annual strengths, weaknesses, opportunities and threats. The management oversees the day to day implementation of the programs and holds monthly meetings and provides quarterly reports to the BOD.\nThe Board of Directors\nThe Board of Directors meets quarterly to review organizational progress and are elected by the General Assembly every three years for a maximum of two terms in office.\nThe current Board of Directors comprises of qualified, experienced and technical members in program development, monitoring and evaluation and financial monitoring.\nThe management of UYSHR is comprised of 5 members who oversee the day to day implementation of the programs on behalf of the Board of Directors.", "domain": "finance"}
{"url": "http://www.penny-slots-online.com/tag/free-penny-slots/", "date": "2017-04-24T01:22:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118950.30/warc/CC-MAIN-20170423031158-00356-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9804008603096008, "token_count": 373, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__202776527", "lang": "en", "text": "March 11th, 2011\nOne of the most important rules to follow when playing online casino games such as penny slots is to manage their money as well as their time. When players learn to manipulate these key elements to their advantage they will start having a better time without so many money and time restrictions.\nLearning to figure out how much one can spend or risk at an online casino game is crucial. Whether you’re the type of player trying to make money or simply pass the time, it is important to remember that most of all these games offer a great deal of entertainment and that even though it is fun to think that one would cash in great deals of cash, this will not happen all of the time. Therefore, it’s smart to have a set bankroll for your favorite games and it could be a weekly or monthly thing. However, players should be on top of it and never exceed the set amount. A great deal of online casino players who fail to manage their money correctly will accept that it hasn’t been beneficial for their gameplay.\nFiguring out how to manage your time at the tables or online slot machines is also a very important element to have under control. Players must keep in mind that the longer the time the spend playing another hand or spinning the slots a few times more, the more money they will be spending, even if it’s just a simple penny slot machine. There are plenty of players who start off hot and win the first few games and as minutes go by they start losing and continue to bet thinking they can win back what the just lost. Players need to budget their time as well as their money. When they learn how to do this and really learn how to play the games correctly, players will enjoy the games much more and come back to their favorite online casinos on a regular basis.", "domain": "finance"}
{"url": "http://www.waynebargainhunter.com/article/20120802/NEWS/708029975/-1/wbh50", "date": "2013-05-26T04:50:05Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2013-20/segments/1368706628306/warc/CC-MAIN-20130516121708-00032-ip-10-60-113-184.ec2.internal.warc.gz", "language_score": 0.9601108431816101, "token_count": 434, "dump": "CC-MAIN-2013-20", "global_id": "webtext-fineweb__CC-MAIN-2013-20__0__105388773", "lang": "en", "text": "“I could not be more pleased that my Pro Football Hall of Fame Commemorative Coin Act passed in the House with such overwhelming bi-partisan support, and I thank the 294 Members who co-sponsored the bill,” said Renacci. “Professional football remains America’s most popular sport, and the Hall of Fame is truly the place to go if you want to revel in its rich history. The Hall will now have the ability to further expand their already impressive collection, preserving the story of this great game for future generations. The Coin Act will also allow the Hall to continue its many and varied programs that benefit children and our community. The bill’s passage is fantastic news for the Pro Football Hall of Fame and for Canton.”\n“My thanks to Congressman Renacci and his colleagues in the House of Representatives for passage of the Coin Act,” said Veras. “The 2016 Coin supports the Hall’s mission to preserve professional football’s historic documents and artifacts and educate the public regarding the origin, development and growth of professional football as an important part of American culture. This will enable us to better serve the millions of fans for whom football is a daily part of their lives.”\nIf signed into law, the legislation would authorize the Treasury to issue up to 50,000 $5 gold coins, 400,000 $1 silver coins and 750,000 half dollar coins honoring the 50th anniversary of the Pro Football Hall of Fame and Museum. There is no cost to taxpayers associated with this bill, as a portion of the proceeds will cover the cost of producing the coins. The coins will be minted for one year beginning Jan. 1, 2016. The bill now awaits a vote in the U.S. Senate.\nRenacci is serving his first term in the U.S. House of Representatives, where he is a member of the Financial Services Committee. Prior to his election he worked as a certified public accountant in the health care industry, and owned and operated more than 60 other businesses in the automotive and sports management fields.\nPublished: August 2, 2012", "domain": "finance"}
{"url": "https://hhsfencing.wordpress.com/donate/", "date": "2020-07-08T04:58:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655896374.33/warc/CC-MAIN-20200708031342-20200708061342-00386.warc.gz", "language_score": 0.9400068521499634, "token_count": 408, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__87767863", "lang": "en", "text": "The Harrison High School Fencing Club is a recreational and competitive organization that is open to all Harrison students. HHSFC is dedicated to promoting the sport of Olympic fencing. We are supported by a volunteer organization, the Tria Gladius Fencing Foundation [a pending 501(c)3 nonprofit organization]. Your donations allow us to create more opportunities for high school students to participate in our programs. Please donate today!\nIf you prefer not to make your gift electronically via Dwolla, you may mail gifts to:\nTria Gladius Fencing Foundation\n℅ Schoolhouse Partners\n1281 Win Hentschel Blvd.\nWest Lafayette, IN 47906\nOn the memo line of your check, please write “Fencing Club” to indicate that your gift is intended for the Harrison High School Fencing Club.\nYou may also call 765-421-1025 to speak with Coach Schafer regarding your gift.\nWhat is Dwolla and why should I use it?\nDwolla is an online payment system similar to PayPal that moves money from your bank account to ours, keeping the credit card companies out of the equation.\nWhy use Dwolla?\nWith the cost of many things on the rise, as a nonprofit organization we are always trying to find ways to cut costs in order to continue offering our programs. One of our bigger expenses is credit card fees, and since we are not terribly fond of credit card companies, we don’t feel any guilt eliminating them from our lives. Dwolla only charges us $.25 per transaction, saving us money so we can keep our programs free to our students.\nDo I need an account?\nNo, you can check out as a guest and use your bank routing number to transfer funds. In terms of time, it takes about the same amount of time to pay as a guest as it would to create an account, so if you ever plan on using their service again, it’s best to create an account.", "domain": "finance"}
{"url": "https://edwardsappeals.com/insurance-law-fourth-dca-reverses-verdict-for-improper-injection-of-bad-faith-allegations-into-jury-instructions/", "date": "2022-07-05T15:41:16Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104585887.84/warc/CC-MAIN-20220705144321-20220705174321-00482.warc.gz", "language_score": 0.9263767600059509, "token_count": 384, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__59672499", "lang": "en", "text": "The Fourth District Court of Appeal reversed a jury verdict for an insured in an action on a homeowner’s insurance policy in Citizens Prop. Ins. Co. v. Mendoza (Fla. 4th DCA Jul. 5, 2018). The insured sued his insurer for breach of contract arising from a water heater leak. The insurer denied the claim, arguing that coverage was excluded under an exclusion for constant or repeated seepage or leakage of water.\nThe trial court erred by improperly instructing the jury about the insurer’s duty to adjust the claim. This instruction improperly “transformed the case into a referendum on the quality of the adjuster’s performance,” instead of requiring the jury to decide the factual issue of whether the loss was excluded under the policy.\nThe jury instructions and closing arguments focused on whether the insurance adjuster properly investigated the loss, rather than the facts of the loss. Thus, the jury could have decided the case against the insurer because it felt the adjuster did not “do a good job” adjusting the loss, regardless of whether the incident fell within the policy exclusion.\nSuch arguments are improper in a breach of contract case, where the jury’s focus must be on whether the facts of the loss required payment from the insurer under the language of the policy. Allegations that the insurance company failed to properly adjust a claim must be made in a separate action for bad faith. In a breach of contract action, an insured can criticize an adjuster’s conclusions, but cannot argue that the adjuster breached a duty or obligation to them. Thus, even “if an adjuster makes a mockery of the code of ethics, but the insurance company correctly denies a claim, there is no action for breach of contract.”\nThe Fourth DCA therefore ordered a new trial on the breach of contract action.", "domain": "finance"}
{"url": "https://knoxpres.org/event/2028127-2021-04-11-congregational-meeting-april-11-1000-am/", "date": "2021-04-17T14:09:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038460648.48/warc/CC-MAIN-20210417132441-20210417162441-00484.warc.gz", "language_score": 0.9291092753410339, "token_count": 117, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__229806762", "lang": "en", "text": "Congregational Meeting - April 11, 10:00 am\nApril 11, 2021 10:00am\nKnox Session has called a Congregational Meeting to be held at 10:00 am on Sunday, April 11, 2021 for the purpose of approving the refinancing of the mortgage wth Bank of the West. You can join us by attending the service in person on April 11 (registration required online) and staying for this short meeting or by signing up below to be part of the meeting via Zoom. The Zoom link will be sent Friday afternoon prior to the meeting.", "domain": "finance"}
{"url": "https://globalmissiontelecom.com/savings/white-papers/", "date": "2024-04-14T16:35:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296816893.19/warc/CC-MAIN-20240414161724-20240414191724-00776.warc.gz", "language_score": 0.9786933064460754, "token_count": 651, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__157907474", "lang": "en", "text": "-A client’s current spending was $2,200 per month with the incumbent carrier. After a complete audit we were able to save them $1,200 per month, keep them on their current carrier and consolidate their 5 locations in 3 states. One point of contact for service and billing and saving $43,000 every 3 years.\n-A nationwide healthcare firm has hundreds of locations, 48 different telecom carriers and an incredibly convoluted account payable structure because the carriers directly simply can’t provide the raw billing data they need to communicate with their AR software. We were able to consolidate all locations into one billing platform, customize the data to dump directly in their AR system and save them over $450,000 per year on the commodity alone. This savings does not factor the hundreds of man hours that are saved due to the AR integration. Their accounts are monitored real time online and they have complete control of their telecommunications for the very 1st time.\n-A 8 location real estate firm had 10 carriers for local/internet/cellular/data. They struggled to add/delete account codes as well as integrate cellular phones. They had to put in the order via fax or email to the respective carriers and had to make multiple calls every week, which often wasted valuable time. We consolidated their 10 carriers on one billing platform, gave them a single point of contact and they now enter those changes online in less than one minute and they take effect immediately. In addition to the time savings we are saving them thousands of dollars yearly.\n-A 13 location auto dealership had in excess of 1,000 lines for 400 employees. They thought they were transferring a line from an old salesperson to a new one. What was really happening is their previous carrier was simple adding a new line @ $30 per month and leaving the old one active. After a complete review, we were able to cancel 700 lines @ $30/each for a yearly savings of $252,000 PLUS we were able to consolidate all the locations into one billing platform. We also achieved great cost savings on the service of 35% monthly. The total savings every 3 years exceeded ONE MILLION DOLLARS.\n-A City Government had 28 individual invoices for their telecom services across all their departments; schools, police, fire, administrative, etc. The accounting 40 hours per month and cost the city (taxpayers) a great deal of money. We were able to consolidate and streamline all the departments onto one billing platform, individually bill the departments as requested with 100% of the taxes exempt and save them thousands per year on the actual telecom expenses. Countless thousands per year were saved on the reduction of man hours. Estimated yearly savings of $100,000.\n-A small business in “North Country” NH was struggling to keep it’s doors open. We took a look at their telecom invoices and audited them. Not only were we able to save them 35% or $9,200 per year we were able to get them $13,300 in refunds for services that were billed frivolously. CRAMMING (which is adding charges to you telecom bill for absolutely no services rendered).", "domain": "finance"}
{"url": "https://thecoveragecrew.com/insurance/homeowners", "date": "2023-12-03T04:34:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100484.76/warc/CC-MAIN-20231203030948-20231203060948-00514.warc.gz", "language_score": 0.9326688051223755, "token_count": 228, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__106443644", "lang": "en", "text": "Homeowners Insurance in and around Duncanville\nWould you like to create a personalized homeowners quote?\nWe also offer Homeowners insurance in:\n- Grand Prairie\n- Fort Worth\n- Glenn Heights\n- Red Oak\nThere’s No Place Like Home\nEveryone knows having excellent home insurance is essential in case of a windstorm, ice storm, or fire. But homeowners insurance is about more than covering natural disaster damage. Another valuable component home insurance is that it also covers you in certain legal cases. If someone falls at your residence, you could be on the hook for their hospital bills or their medical bills. With good home coverage, your insurance may cover those costs.\nWhy Homeowners In Duncanville Choose State Farm\nWith this great coverage, no wonder more homeowners choose State Farm as their home insurance company over any other insurer. Agent Josh Thibodeaux would love to help you get the policy information you need, just contact them to get started. Let us handle the details of covering your home with State Farm's dependable homeowners insurance. All you need to do to get started is contact Josh Thibodeaux today!", "domain": "finance"}
{"url": "https://www.lakesideservice.com/financing/", "date": "2022-11-29T17:21:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710710.91/warc/CC-MAIN-20221129164449-20221129194449-00012.warc.gz", "language_score": 0.9304215312004089, "token_count": 216, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__5874697", "lang": "en", "text": "We understand that affording a new furnace or air conditioning system can be difficult. To assist our clients in finding payment solutions, we have teamed up with two lenders: Michigan Saves and Wells Fargo.\nMichigan Saves, a nonprofit organization, has partnered with a network of lenders to provide simple and affordable loans to homeowners to make energy efficient or renewable energy improvements. This is an unsecured, personal loan, that can be used for eligible improvements that are pre-qualified by Michigan Saves or recommended by a whole-home energy assessment.\n- Loan Amount: $1,000 – $30,000\n- Loan Term: Flexible up to 10 years\n- Loan Rates: Fixed APR not to exceed 4.99%\n- Eligible Properties: Owner-occupied, single-family (1-4 unit) homes (primary residence only)\nThere is no home equity required, and the phone-based loan application process is simple and fast. Visit www.michagansaves.org today to find an authorized contractor and begin your loan qualification.", "domain": "finance"}
{"url": "https://residency.mu/the-2022-edition-of-the-mauritius-expat-guide/", "date": "2024-02-23T11:32:21Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474377.60/warc/CC-MAIN-20240223085439-20240223115439-00781.warc.gz", "language_score": 0.9378585815429688, "token_count": 630, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__112410466", "lang": "en", "text": "The 2022 edition of the Mauritius Expat Guide\nWant to live in Mauritius? Don’t miss out on the new and attractive residency packages\nOver the last 15 years, Mauritius has welcomed expatriates willing to work and live in the country. As the Chief Executive Officer of the Economic Development Board, it gives me immense pleasure to be associated with this publication which provides you with a 360-degree view of the different residency schemes in Mauritius and the routes to achieving your dreams and to enjoy a relaxed work-life balance in an idyllic destination inspiring creativity and productivity.\nMauritius is not only blessed with the required attributes for investors to do business and professionals to work but has also become the nesting place for retirees looking for a peaceful retirement. Over the years, we have consolidated and readjusted our ‘Work-Live-Play’ packages to meet the aspirations of the business community and those on the lookout for a peaceful retirement.\nForeigners with a minimum investment of USD 50,000 can benefit from a Ten-Year Occupation Permit, which is a combined work and residence permit, together with residence permits for dependents. Self-employed professionals can aspire to a similar Ten-Year Occupation Permit by investing only USD 35,000. Non-citizen Professionals can now obtain an Occupation Permit valid for up to ten years. We offer schemes for young professionals studying in the country, as well as for innovators.\nMore than ever, Mauritius is gearing up to welcome, provide for and entertain retirees looking to enjoy this golden period of their lives. Development of luxurious retirement homes and villages is fast growing and attracting people from around the world to retire in a safe haven. You can aspire to retire in Mauritius with a monthly transfer of USD 1,500 or by simply acquiring a residential property in one of the luxurious retirement developments under the Property Development Scheme. Developers also offer the opportunity to acquire life rights.\nWe also offer to Occupation Permit holders and those with residence permits as retirees, the exciting opportunity to transition to a Twenty-Year Permanent Residence Permit, upon satisfying certain conditions. The guide provides you with all the details on this scheme.\nIn addition, Mauritius offers residency opportunities to non-citizens through the acquisition of residential properties, worth USD 375,000 in real estate developments under approved schemes.\nThis publication also takes you through one of our latest offers: the Premium Visa. This visa, introduced in November last year, is very famous among digital nomads. It is a One-Year renewable visa which targets professionals wishing to work remotely for their overseas businesses from Mauritius. Within less than a year, over 1,250 applications have been processed and more than 800 approved.\nWe are on the path of further improving our product offerings and we invite you to visit our dedicated website on residency (www.residency.mu) to register and receiving more frequent updates.\nI invite you to delve into this guide for more detailed information and I wish to reiterate my appreciation for this wonderful collaboration with Expat.com.", "domain": "finance"}
{"url": "https://jessica.rockonerealty.com/page/apply-for-a-mortgage-now-/cp2948bc67da1e4a", "date": "2023-05-28T18:45:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224644506.21/warc/CC-MAIN-20230528182446-20230528212446-00452.warc.gz", "language_score": 0.9001378417015076, "token_count": 147, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__159977191", "lang": "en", "text": "Darren LovellMortgage Loan Orginator\nNMLS# NMLS #378056\n5055 W Park Blvd, Suite 300,\nPlano, TX 75093\nThe Lovell team are highly respected Loan Originators in the great state of Texas. They find success in their 24/7 availability; nights, weekends & holidays. Understanding timely communication to all parties within the real estate transaction is imperative. A consultative approach has proven that clients gain confidence in building wealth through real estate and consistently providing clients the highest level of service. Call today to determine your options in home financing.", "domain": "finance"}
{"url": "https://www.charlottesvillevarealty.com/income_properties.html", "date": "2020-01-29T01:07:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579251783621.89/warc/CC-MAIN-20200129010251-20200129040251-00474.warc.gz", "language_score": 0.8857185244560242, "token_count": 252, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__161487389", "lang": "en", "text": "Income Properties in Charlottesville, VA\nDo you dream of becoming your own boss? Investing in income properties allows you to generate positive cash flow on a month-to-month basis while enjoying the long-term benefits of property ownership. At Montgomery Team, we help Charlottesville, VA investors like you turn real estate into revenue.\nPutting Real Estate to Work for You\nThe real estate professionals at Montgomery Team consider your success to be our success. We put our expertise to work for you, doing whatever it takes to reach your real estate income goals. We work hard to produce outstanding results and exceptional customer service. In every transaction, we conduct ourselves according to the highest standards of integrity and professionalism. And when you come to Montgomery Team for help finding income properties, you can count on us to be responsive, efficient, and focused on earning the best possible outcome for you.\nLet Montgomery Team help you turn an investment property into a revenue stream. Call our office today to schedule a consultation and learn more our income properties.\nMessage Sent. Thank you for contacting us. We will be in touch with you shortly.\n- Virginia Association Of Realtors\n- Charlottesville Association Of Realtors\n- National Association Of Realtors (NAR)", "domain": "finance"}
{"url": "https://www.latscpa.com/", "date": "2024-04-23T20:19:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818740.13/warc/CC-MAIN-20240423192952-20240423222952-00755.warc.gz", "language_score": 0.9148237705230713, "token_count": 171, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__182665979", "lang": "en", "text": "TAX ADVISORY FOR INDIVIDUALS & SMALL BUSINESSES\nWe are located in SW Portland near Tigard at:\n10095 SW 72nd Avenue\nPortland, OR 97223\nIt is our mission to provide top notch financial and taxation guidance tailor made for your particular situation.\nCertified by the Oregon Board of Accountancy as of May 12, 2014 to practice as a Certified Public Accountant.\nProfessional bookkeeping guidance for any small to mid-sized service provider or manufacturer. Specializing in QuickBooks Online.\nPlanning & Consulting\nI take the time to understand my clients and their particular situations in order to implement the tax code to minimize tax liability and plan for the future.", "domain": "finance"}
{"url": "https://www.perkinsfund.com/how-to-invest/", "date": "2023-12-05T06:09:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100545.7/warc/CC-MAIN-20231205041842-20231205071842-00779.warc.gz", "language_score": 0.8286667466163635, "token_count": 322, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__151286737", "lang": "en", "text": "First Step: Read the Prospectus\nPlease review the Perkins Discovery Fund Prospectus or Summary Prospectus before viewing the Fund-related information on this website. Click the link below to download a PDF file of the Prospectus or Summary Prospectus.\nYou’ll need Adobe Acrobat Reader version 3 or newer to view the Prospectus PDF file. Acrobat Reader comes with most web browser software, but if you don’t have it, click here to download the Reader from the Adobe website.\nSecond Step: Complete New Account Application And Mail With Check\nMake check payable to the Perkins Discovery Fund (or see Prospectus for wiring instructions). Mail application and check to address shown at the top of application.\nAlternate Step: Contact Online Brokerage\nThe Perkins Discovery Fund is available at many online brokerage sites for your buying convenience.\nPlease read the Prospectus or Summary Prospectus carefully before you invest or send money.\nThank you for becoming a shareholder. For a hard copy Prospectus and forms or other information, call 1-800-998-3190 or email the Fund at email@example.com.\nThe Perkins Discovery Fund is not offered for sales in countries other than the United States and Puerto Rico. Information contained on this web site does not constitute an offer to sell, or a solicitation of an offer to buy shares of the Perkins Discovery Fund, nor shall any such shares be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.", "domain": "finance"}
{"url": "https://imnlab.com/courses/forexmentor-fx-systemslab-monthly-2/", "date": "2022-12-03T16:11:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710933.89/warc/CC-MAIN-20221203143925-20221203173925-00102.warc.gz", "language_score": 0.7938247919082642, "token_count": 124, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__73196931", "lang": "en", "text": "ForexMentor – FX SystemsLab Monthly\nArchive : ForexMentor – FX SystemsLab Monthly Digital Download\nSalepage : ForexMentor – FX SystemsLab Monthly\nDelivery : Online With Any Device\nEach month a new, unique and innovative forex trading system is produced. This gives subscribers the opportunity to sample each system at a leisurely pace, testing and tinkering for a full month before the next system arrives for evaluation. Each system is described and its workings depicted in the primary instructional videos accompanying each release.\nMore from Categories : Forex & Trading", "domain": "finance"}
{"url": "https://www.blog.iamtech.com/single-post/2015/10/14/save-jobs-reduce-overheads", "date": "2022-09-29T01:24:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-40/segments/1664030335303.67/warc/CC-MAIN-20220929003121-20220929033121-00616.warc.gz", "language_score": 0.9597193002700806, "token_count": 370, "dump": "CC-MAIN-2022-40", "global_id": "webtext-fineweb__CC-MAIN-2022-40__0__189468580", "lang": "en", "text": "Save Jobs & Reduce Overheads!\nWith prices at $50, the same 5% cut in production costs can make a huge difference to your assets profit margins.\nThis is why we are seeing a dramatic series of lay-offs in the industry.\nThis is why there has been a year-on-year >50% reduction in the North American active rig count.\nAnd this is why asset owners are seeking to capitalize on advances in digitized asset management. For more than 15 years, we have been employing the best software development talent in the world, listening carefully to our clients, and honing our suite of software accordingly.\nFor years, OPEC has said it wasn't threatened by rising U.S. shale production, and that it would work to keep a floor under oil prices. Now, it has been caught napping, and as unconventional oil crept up to account for close to 10% of global production last year,\nOPEC has started a war of attrition, and low prices are its best (and only real) weapon.\nCombined with a tepid and now faltering global economic recovery, not least in China, the likelihood is that oil & gas will have to deal with tight margins for 5-10 years to come.\nThis is why the adoption of IAMTech's low cost, high return, asset management and maintenance software solutions is accelerating within the oil, gas & chemical industry.\nIAMTech has been a pioneer in improving asset efficiency through streamlining maintenance, operations and safety processes in the oil, gas and chemical markets for the last 15 years.\nOur software is being adopted by major names in the industry, from BP Chemicals & Exploration to Perenco & Petronas. Our growing success is the best testimony to the efficacy of our asset management software solutions.", "domain": "finance"}
{"url": "https://nevadabc.org/gives-online/cooperative-program/", "date": "2024-04-17T07:58:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817146.37/warc/CC-MAIN-20240417075330-20240417105330-00305.warc.gz", "language_score": 0.9543675184249878, "token_count": 133, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__105735163", "lang": "en", "text": "As individuals give their tithes and offerings to their local church, the local church gives a portion of that money to the Cooperative Program (CP) through the local state convention. The state convention uses a portion of this money to fund its ministry efforts while sending a portion of the money to the Southern Baptist Convention (SBC) where this money helps to fund ministries such as SBC seminaries, International Mission Board, and North American Mission Board, just to name a few. CP has a great impact for God’s Kingdom and it truly is unique in its ability to multiply the monies given by the individual church member.\nQuestions? please click here.", "domain": "finance"}
{"url": "https://uschinainsights.libsyn.com/website/natalia-gurushina-on-the-trade-wars-global-consequences", "date": "2022-08-19T17:26:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882573744.90/warc/CC-MAIN-20220819161440-20220819191440-00200.warc.gz", "language_score": 0.9571977257728577, "token_count": 227, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__96350895", "lang": "en", "text": "Sep 9, 2019\nWhen the world’s two largest economies become mired in trade conflict, there are bound to be global consequences. As analysts predict increasing risk for a global economic downturn, VanEck’s Chief Emerging Markets Economist Natalia Gurushina looks at what the trade war might mean for other countries, and explains how these consequences could have unforeseen repercussions for both the United States and China.\nNatalia Gurushina is the chief emerging markets economist for VanEck’s Emerging Markets Unconstrained Fixed Income Strategy. She has been a member of the Investment Management Team since 2013. Prior to joining VanEck, Dr. Gurushina worked for Roubini Global Economics, where she was responsible for Emerging Markets Currency/Fixed Income and G10 Currency Strategies. She has also previously worked as an analyst at Pantera Capital Management, a Tiger Management spin-off, and as an EMEA economist at Deutsche Bank. Dr. Gurushina holds a Ph.D. in economic history from the University of Oxford and a B.A. in economics from Moscow State University.", "domain": "finance"}
{"url": "https://endurometals.com/crystal-lake-mining-corporation-announces-the-share-exchange-ratio-and-an-update-regarding-the-due-bill-trading-with-respect-to-the-sassy-resources-corporation-shares-to-be-issued-pursuant-to-the-plan/", "date": "2023-09-29T07:14:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510498.88/warc/CC-MAIN-20230929054611-20230929084611-00035.warc.gz", "language_score": 0.9193997979164124, "token_count": 817, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__162947827", "lang": "en", "text": "February 11th, 2020, Vancouver, British Columbia – Enduro Metals Corporation (TSXV: EM / OTC: SIOCF / FSE: SOG-FF) (“Enduro Metals” or the “Company”) is pleased to announce that, further to its news releases dated January 13, 2020 and January 28, 2020, an aggregate of 10,000,000 common shares (the “Spinco Shares”) of Sassy Resources Corporation (“Spinco”) will be distributed to the shareholders of the Company (the “EM Shareholders”) in connection with the plan of arrangement (the “Plan of Arrangement”) among the Company, Spinco and the EM Shareholders.\nThe share conversion factor is 0.066708 (the “Conversion Factor”). In accordance with the Plan of Arrangement, the Conversion Factor was determined by dividing 10,000,000 (ten million) by 149,907,933, which is the number of common shares of the Company (the “EM Shares”) outstanding as at the close of business on February 10, 2020 (the “Record Date”).\nThe EM Shareholders who hold EM Shares as at the Record Date will receive for every one EM share held 0.066708 of a Spinco share (one Spinco Share with respect to every 14.9907 EM Shares).\nThe Payable Date, Record Date, Due Bill Trading Date, Ex-Distribution Date and Due Bill Redemption Date are as set forth below.\nDistribution per Share: 0.066708 of a Spinco share for every one Company share\nPayable Date: February 18, 2020\nRecord Date: February 10, 2020\nDue Bill Trading Date: February 7, 2020\nEx-Distribution Date: February 19, 2020\nDue Bill Redemption Date: February 20, 2020\nNo fractional Spinco Shares will be distributed to the EM Shareholders and, as a result, all fractional amounts arising under the Plan of Arrangement will be rounded down to the nearest whole number without any compensation therefor.\nThe number of EM Shares held by the EM Shareholders will not change.\nAdditional information regarding the terms of the Plan of Arrangement are set out in Enduro Metals’s management information circular dated August 23, 2019, and the news releases dated June 25, 2019, July 26, 2019, October 1, 2019, October 4, 2019, January 13, 2020 and January 28, 2020, all of which are available for viewing on Enduro Metals’s SEDAR profile at www.sedar.com.\nAbout Enduro Metals\nEnduro Metals is a Canadian-based junior exploration company focused on building shareholder value through high-grade discovery opportunities in British Columbia and Ontario. The Company has an option to earn a 100% interest in the Newmont Lake Project, one of the largest land packages among juniors in the broader Eskay region in the heart of Northwest B.C.’s Golden Triangle.\nOn Behalf of the Board of Directors,\nENDURO METALS MINING CORP.\nCOO and Director\nEmail: firstname.lastname@example.org / www.endurometals.com\nFor further information please contact:\nTel: +1 (604) 261-4466\nToll Free: +1 (877) 261-4466\nMomentum Public Relations\nTel: +1 (514) 815-7473\nNeither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release", "domain": "finance"}
{"url": "https://thehemp.zone/podcast/unveiling-the-green-gold-with-pay-rio-empowering-cbd-cannabis-businesses/", "date": "2023-12-04T23:53:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100535.26/warc/CC-MAIN-20231204214708-20231205004708-00068.warc.gz", "language_score": 0.9516805410385132, "token_count": 800, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__214043538", "lang": "en", "text": "In this captivating episode of the Hemler podcast, we are thrilled to welcome Aubrey, the founder of Pay Rio, a prominent payment provider specializing in the cannabis and CBD industry. Aubrey’s passion for health and wellness led her to establish Pay Rio, where she offers fair pricing and secure payment solutions to businesses operating in these sectors.\nDuring the podcast, Aubrey provides us with valuable insights into her personal journey and what sparked her interest in the cannabis industry. She reveals that Pay Rio initially focused on CBD, a natural medicine she personally uses for sleep and anxiety relief. As Aubrey delved deeper into the CBD world, she recognized the significant need for cannabis payment services as well, prompting her to expand Pay Rio’s offerings to encompass both CBD and cannabis transactions.\nOne of the advantages Aubrey highlights is her ability to combine her love for gardening with her involvement in the cannabis industry. Living in California, she enjoys the privilege of cultivating hemp and cannabis in her backyard, providing her with a fully immersive experience within the industry.\nMoving on to the topic of payment services, Aubrey discusses the challenges faced by businesses in the cannabis and CBD space. She emphasizes the issue of excessive pricing imposed by payment providers due to the perceived high risk associated with these industries. Aubrey’s mission with Pay Rio is to work with CBD companies and bring their pricing down to a fair level while maintaining compliance with industry regulations. She believes that as the payment industry normalizes and the Safe Banking Act comes into play, more aggressive pricing can be expected, benefiting businesses in the long run.\nAubrey sheds light on an essential aspect of payment processing—bank sponsorship. She explains that Pay Rio has invested significant time and effort in finding the right technology partners and bank sponsors to support their payment transactions. Presently, Pay Rio proudly works with the largest CBD bank sponsor in the US, who possesses comprehensive knowledge of CBD, various cannabis derivatives, and THC content. This partnership ensures a seamless underwriting process and provides businesses with the peace of mind that their processing will remain secure and uninterrupted.\nTransitioning to the practical side of Pay Rio’s services, Aubrey clarifies the processing timelines and requirements for businesses seeking their payment solutions. For CBD businesses, the approval process typically takes around seven business days, with the advantage of quick and easy integration for both brick-and-mortar and e-commerce setups. Pay Rio’s expertise in e-commerce comes into play, as they guide businesses through the nuances of state regulations and compliance measures to ensure processing is conducted appropriately.\nAddressing website functionality, Aubrey emphasizes the importance of having solid terms of service, privacy policies, and return and shipping policies in place for businesses seeking payment processing approval. Pay Rio’s team collaborates closely with customers, reviewing their websites to ensure they meet the payment brand rules set by Visa, MasterCard, Discover, and Amex. By providing guidance and assistance, Pay Rio ensures that websites comply with the necessary requirements, instilling confidence in the processing capabilities and legitimacy of businesses.\nThe conversation then shifts towards cannabis-based products and dispensaries. Aubrey highlights the unique challenges associated with accepting credit cards in this sector. Traditionally, dispensaries have been cash-based, relying on cashless ATMs or debit transactions. However, Pay Rio’s terminals enable dispensaries to accept both debit and credit cards, significantly expanding their payment options. By accepting credit cards, dispensaries can increase their average order value, as customers are not limited to their available cash or debit card limits. Additionally, the acceptance of credit cards generates positive word-of-mouth, leading to an expansion of the customer base and consistent growth in monthly volume for dispensaries.\nConcluding the episode, Aubrey encourages listeners to seek a trusted payment advisor and emphasizes her passion for bringing her extensive payment knowledge to the CBD and cannabis industry. Pay Rio aims to support and educate businesses in CBD sector.", "domain": "finance"}
{"url": "https://www.privatedoctorsnorthlondon.co.uk/info/terms-and-conditions/", "date": "2024-04-22T07:35:10Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818081.81/warc/CC-MAIN-20240422051258-20240422081258-00250.warc.gz", "language_score": 0.9364612698554993, "token_count": 954, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__82910008", "lang": "en", "text": "Terms and Conditions\nFees and Pricing\n- Published prices for GP consultations are for 30 minute appointments. In the event the consultation exceeds this time, EdgCARE reserves the right to charge an additional fee. This also applies to Home Visits which may therefore also attract a higher fee if the consultation lasts longer than 30 minutes.\n- Payment for services is expected at the time of consultation or in advance of the consultation. Payment can be made with cash, cheque, debit or credit card. Non-attendance will be charged at the full rate.\n- EdgCARE does not deal directly with insurance companies unless there is specific prior agreement from the Practice Manager at the time of booking an appointment. If this agreement has not been granted, EdgCARE will expect the patient to pay for services at the time of consultation and then ask the patient to seek re-imbursement from their insurance company directly.\n- Please be aware that many Private Medical Insurance companies do not cover or offer re-imbursement for GP consultations or medical tests requested by a GP. EdgCARE accepts no liability in the event that an Insurance company fails to reimburse the patient for their care.\n- EdgCARE reserves the right to change our Fee Schedule from time to time.\n- Consultation and Home Visit prices do not include the cost of Blood Tests or other investigations ordered by the GP. The GP will discuss the cost of these with you before proceeding with any investigations. Payment for any investigations is expected at the time of the Consultation.\n- Prescriptions requested outside of a GP Consultation or Home Visit will attract an additional charge.\n- Cancellations less than 2 hours before the appointment will be at 50% of the original price.\n- Non-attendance at an appointment will result in the full cost of the Consultation being invoiced to the patient.\n- Card details are required at the time of booking any Consultation, Home Visit or other service and is required to secure your booking.\n- These card details are retained on our secure Medical Records system and can be deleted with your written request. Payment will only be processed after your Consultation or Home Visit (or other service).\n- If you prefer to use an alternative card or means of payment please inform the doctor or receptionist.\n- Unpaid invoices will be processed at the end of each working day using the card details that you have provided.\nConsent to Communication by E-mail\n- EdgCARE would like to highlight that email and internet communications are not considered a fully secure method of communicating confidential and sensitive information. This means that, although unlikely, it is possible that a third party may be able to gain unauthorised access and read the content of emails which you have sent to EdgCARE or that EdgCARE has sent to you. Clearly, this would include any files attached to emails.\n- Despite this concern, many patients prefer to use email as a primary method of communication and wish to communicate with EdgCARE using email. We will treat this information in the strictest confidence but EdgCARE cannot ultimately guarantee the security of email and worldwide internet systems and therefore you should consider email communications sent to EdgCARE or received from EdgCARE as non-secure.\n- By agreeing to these Terms and Conditions you consent to EdgCARE communicating with you by email.\nService Times and Third-Party Providers\n- In extenuating circumstances EdgCARE may need to close earlier than the published “Opening Hours”. This may be due to excessive service demand or lack of doctor cover due to illness or absence.\n- EdgCARE signposts patients to other services when our telephone lines are closed. EdgCARE accepts no responsibility for the actions of these Third Party services and we wish to inform you that these services are not directly affiliated with EdgCARE.\nMembership Payment Terms and Conditions\n- EdgCARE membership is an annual subscription scheme with automatic renewals every 12 months\n- Renewal reminders are sent by email 7 days before a renewal charge is applied\n- Membership payments and renewals may be cancelled up to a maximum of 1 week from the joining payment or renewal payment\n- If membership is cancelled within this one week period, the initial payment or update payment will be reimbursed\n- Any membership discounts or privileges however used during the current membership period however will be deducted from membership reimbursement\n- Only patients living at the same address can be covered in one membership payment\n- Patient living at separate address will need to subscribe separately", "domain": "finance"}
{"url": "https://cmm-strategies.com/category/business-unusual/", "date": "2020-07-07T15:00:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-29/segments/1593655893487.8/warc/CC-MAIN-20200707142557-20200707172557-00171.warc.gz", "language_score": 0.9271053075790405, "token_count": 802, "dump": "CC-MAIN-2020-29", "global_id": "webtext-fineweb__CC-MAIN-2020-29__0__171953026", "lang": "en", "text": "Restrictions may slowly be easing, but our new world is anything but business as usual. Join business leaders Joe Campolo and Peter Klein for a weekly webinar where they share critical insights on the state of the Long Island business community and provide a macro perspective to help mitigate the economic fallout and move forward productively.\nEach episode features commentary on business, finance and more. After a discussion about that week’s updates, Joe and Peter welcome guests from various sectors including accounting, legal, manufacturing, finance, and nonprofits, as well as elected officials, to discuss in-depth challenges we are all facing in the new world. With the world changing daily, remaining in-the-know is key to making decisions that impact the future of your business. Hear directly from the business leaders plugged into the latest changes and gain a critical perspective to guide your decision-making.\nVisit cmmllp.com to register for upcoming episodes.\nJune 30, 2020 – Episode 7 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest John Corrado, President of Suffolk Transportation Service, Inc. The discussion focused on how the sector is reopening, what the future looks like for riders, and the technology that can keep transportation moving forward […]\nJune 23, 2020 – Episode 6 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guests John Miller, President & CEO of Guide Dog Foundation and America’s VetDogs, and Terri Alessi-Miceli, President & CEO of HIA-LI. The discussion focused on the critical role that 501(c)(6) business organizations will have in […]\nJune 16, 2020 – Episode 5 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest Rich Humann, President & CEO of H2M architects + engineers. The discussion focused on how stimulus dollars are being used, whether infrastructure spending can fill tax voids in the middle of a pandemic, […]\nJune 9, 2020 – Episode 4 of Business Unusual Weekly Recovery Webinar with guest Jim Coughlan, Principal and Co-Founder of TRITEC Real Estate Company. This episode focused on the real estate development sector – a key piece of Long Island’s previously booming economy. Now that the COVID pandemic has changed how we work, live, and […]\nJune 2, 2020 – Episode 3 of Business Unusual Weekly Recovery Webinar with business leaders Joe Campolo and Peter Klein and guest Joe Camberato, President of National Business Capital & Services. The discussion focused on creatively stretching your dollars and how to pivot your financial practices to a more sustainable path. Subscribe to our playlist […]\nMay 26, 2020 – Episode 2 of Business Unusual Weekly Recovery Webinar with guest Kevin O’Connor, President & CEO of BNB Bank. This discussion focused on long-term strategies for businesses to survive in our new world. While the Paycheck Protection Program (PPP) remains the hot topic of the moment, it’s merely a stopgap. We need […]\nThis first episode included an in-depth discussion of the impact COVID-19 is having on the local and national economy and how businesses should be preparing to reopen, especially in light of the challenges that PPP and enhanced unemployment are causing in the workforce. Subscribe to our playlist to be the first notified of the latest […]\nPrivacy & Cookies Policy\nNecessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.\nAny cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.", "domain": "finance"}
{"url": "https://www.vssw.de/en/apply/", "date": "2022-07-05T15:55:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656104585887.84/warc/CC-MAIN-20220705144321-20220705174321-00095.warc.gz", "language_score": 0.9263180494308472, "token_count": 343, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__110046274", "lang": "en", "text": "How can I apply for a place in a dormitory?\nYou can apply for a place in one of our 7 dormitories on our homepage. You can only apply online. For our other dormitories, you can apply at the Studierendenwerk Stuttgart.\nHow do you increase your chances of getting a place in a dormitory?\nApply early – preferably at least half a year in advance.\nCan I view the room beforehand?\nRoom viewings are not possible.\nHow long is the rental period?\nThe minimum rental period is 6 months and the maximum rental period is 36 months.\nIn special cases, the rental period can be extended. E.g. as compensation for committed students in the tutorial of the dormitory or the student council.\nCan I apply even if I do not yet have a letter of admission or certificate of study?\nYou can submit your application online even if you do not have a letter of admission or a certificate of study. Send us the letter of admission or the certificate of study as soon as you receive it.\nDo I have to pay a deposit?\nBefore moving in, you must pay the deposit, the amount of which is specified in the renatal agreement, or upload the SEPA mandate. Only on presentation of proof that you have paid the deposit will you receive the keys from the caretaker in charge.\nHow and when do I have to pay the rent?\nThe rent is debited by SEPA mandate, at the latest on the 3rd working day of a month, from an account named by the tenant. Direct debits are only possible from an account at a German bank.", "domain": "finance"}
{"url": "http://www.thecatpeople.org/blog/2013/04/21/build-a-bear-workshop-bear-hugs-foundation", "date": "2019-08-24T04:36:40Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027319724.97/warc/CC-MAIN-20190824041053-20190824063053-00442.warc.gz", "language_score": 0.9399201273918152, "token_count": 267, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__163745564", "lang": "en", "text": "The Cat People’s SPAY TODAY! Program has gotten a big shot in the arm from the Build-A-Bear Workshop Bear Hugs Foundation. The BABW Bear Hugs Foundation believes in helping domestic pets by providing, financial support through their grant program for animal welfare, pet rescue, rehabilitation, and therapeutic pet programs. The grants are to be used to prevent pet overpopulation, provide food and medical expenses for animals, and other needs required by pets.\nThe grants are funded through the sale of their Bearemy's Kennel Pals®. One dollar from the sale of each plush animal in this line is donated through the Build-A-Bear Workshop Bear Hugs Foundation to qualified non-profit(c)(3) organizations working with or on behalf of domestic pets throughout the United States and Canada.\nThe Cat People organization is extremely grateful to the Foundation for this assistance. Our SPAY TODAY! Program is more than 20 years old, and each month receives many more requests than we can grant. Receiving this infusion of funds will mean that we can immediately provide assistance to financially strapped pet owners wishing to alter their cat. People in need of assistance getting their cat altered can call us at (661) 327-4706, and we will provide assistance while funding from this program lasts.", "domain": "finance"}
{"url": "https://www.plumtherapyandwellness.com/fees", "date": "2023-12-01T02:30:09Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00587.warc.gz", "language_score": 0.9524277448654175, "token_count": 318, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__129497435", "lang": "en", "text": "I understand that the cost of therapy can be a concern for many individuals, so it's important to me to be transparent about my fees. Individual therapy sessions are $145 for approximately 45-50 minutes. By attending therapy, you are taking an active step towards improving your life and well-being. Therapy is an investment in yourself, and you deserve to get compassionate, quality mental health care.\nI am not in-network with any insurances. I have made the decision to not contract with insurance companies for several reasons. First, insurance companies often dictate the type of therapy and the number of sessions covered for a client. This can be disruptive to the therapeutic process, lead to early termination, and limit a client's ability to receive the treatment they need. In addition, insurance companies require the disclosure of confidential information and a diagnosis to be kept on file. By not taking insurance, I am able to keep your personal information private and provide more personalized, effective care to my clients.\nOut of Network Insurance Reimbursement\nAs I am not contracted with any insurance companies, I am considered an out-of-network provider. If you have out-of-network mental health benefits, you can request a medical receipt to apply for potential out-of-network reimbursement through your insurance. I cannot guarantee reimbursement, so please check with your insurance company before beginning services to see if and what you qualify for based on your individual plan. Session fees are still due at the time of service, and applying for potential out-of-network reimbursement is the responsibility of the clients.", "domain": "finance"}
{"url": "https://www.farmfutures.com/story-weekly-wheat-review-0-30768", "date": "2018-08-18T12:37:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-34/segments/1534221213666.61/warc/CC-MAIN-20180818114957-20180818134957-00523.warc.gz", "language_score": 0.9450308680534363, "token_count": 706, "dump": "CC-MAIN-2018-34", "global_id": "webtext-fineweb__CC-MAIN-2018-34__0__67181333", "lang": "en", "text": "For years the wheat market stagnated waiting for a single trigger: A sharp reduction in global production. That worldwide event finally occurred this year, lifting prices to four-year highs.\nWheat is a market that likes to trend once it gets going. Bottoms typically occur around five years apart. Rallies eat up the first three years of the cycle, with down markets taking up the next two.\nAt least that’s the Cliff’s Notes version of wheat marketing. The last cycle took nearly seven years to con-firm. Fallout from the financial collapse a decade ago soured investors on commodities. And while U.S. acreage dwindled, other producers gained market share, namely Russia and its former Soviet Union satellites. Good weather and improving technology boosted their yields twice as fast as those in the U.S.\nThat streak ended this year in the Black Sea region. Yields and acres both declined, part of a pattern seen across the result of Europe too. Now, a brewing El Nino warming of the equatorial Pacific threatens to slash Australian production by a third.\nIf wheat returns to its old cycle, prices might be expected to rally into 2019. Dry conditions for seeding next year’s winter wheat crop extend from the southwest Plains to France, though Ukraine and Russia are starting to trend wetter. Production in Argentina should rebound, with good moisture as seeding ends.\nA return to normal production will be needed to keep inventories from dropping further. The stocks-to-use ratio among major exports could drop to its lowest level ever by the summer of 2019.\nBut higher prices should lure more acres into production too. Futures are starting to show signs of fatigue, and that’s especially a warning sign for soft red winter wheat, which tends to top first in bullish years. Hard wheat contracts can extend rallies into September if conditions for seeding are a concern. Storms over the next week could help ease some of those concerns.\nAs a result, it’s time to get more aggressive pricing 2018 inventory after a $2 rally. Deferred futures are moving into my projected selling ranges. Winter wheat carries are rising again, not a bullish sign, but provide opportunity for good storage hedges for those with on farm storage and year-round markets. Also get started price 2019 winter wheat production.\nUSDA’s Aug. 10 report could lower the size of the U.S. crop, but this rally is about what’s happening around the world.\nDownload a complete version of the outlook with extensive charts and analysis using the Download button at the end of this report.\nMore from Farm Futures:\nSenior Editor Bryce Knorr first joined Farm Futures Magazine in 1987. In addition to analyzing and writing about the commodity markets, he is a former futures introducing broker and is a registered Commodity Trading Adviser. He conducts Farm Futures exclusive surveys on acreage, production and management issues and is one of the analysts regularly contracted by business wire services before major USDA crop reports. Besides the Morning Market Review on www.FarmFutures.com he writes weekly reviews for corn, soybeans, and wheat futures that include selling price targets, charts and seasonal trends. His other weekly reviews on basis, energy, fertilizer and financial markets and feature price forecasts for key crop inputs. A journalist with 38 years of experience, he received the Master Writers Award from the American Agricultural Editors Association.", "domain": "finance"}
{"url": "https://shop.bandai.com/payments", "date": "2024-04-16T11:14:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817081.52/warc/CC-MAIN-20240416093441-20240416123441-00440.warc.gz", "language_score": 0.9489860534667969, "token_count": 615, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__115125467", "lang": "en", "text": "Bandai Namco Toys and Collectibles America, LLC. (BNTCA) accepts the following payment methods:\n- American Express\nMost pre-paid credit and gift cards from Visa, MasterCard, American Express, and Discover are also accepted.\nPayment is due at the time of order.\nEvery payment goes through a rigorous verification process to detect potential fraud. As one of our verification steps we may authorize your card for a small amount and ask you to verify the amount before we accept payment. This authorization is not a charge, but the bank may hold the authorized funds as unavailable until the authorization expires.\nResolving a Declined Payment\nDuring the payment verification process we may decline your payment and ask you to resubmit your billing information and card details so it matches what your credit card company has on file. In some situations, we may just ask you to use a different form of payment. At this point no transaction has been attempted on your credit card.\nOnce your payment has passed the verification process, we will attempt to charge your credit card. If the sale is declined, you may need to contact your credit card company or bank to resolve the problem. The most common reasons for a declined payment are:\n- Credit card company needs authorization prior to completing the transaction.\n- You have reached the daily withdrawal or purchase limit.\n- There are not enough funds in the account.\n- Your credit limit has been exceeded.\nOnce you have determined the problem, log into \"My Account\" on shop.BNTCAbrands.com and resubmit your payment details so we can process your order.\nCredit Card Security\nWe work diligently to protect your data and keep it confidential. To ensure the utmost security, our servers never store or transmit any credit card data. When you enter a credit card on our website, it is encrypted and sent directly from your browser to our payment processor, who then sends us a token which we reference for future transactions. The token is meaningless to any outside party. We partner with a large, well-respected payment processor which is fully PCI compliant. At no time does any employee of BNTCA have access to your full credit card details. Details we do store, such as the credit card last 4 digits, are encrypted and protected with industry standards.\nUnknown Credit Card Charges\nIf you don't recognize a charge from BNTCA on your credit card account there may be several reasons:\n- We may have performed an authorization for a small amount as part of our payment verification process. This authorization will expire and no money is removed from your account.\n- An order was placed by a family member, friend, or co-worker with access to your credit card.\n- Additional cards are associated with the credit or debit account.\nIf you have any questions please contact us first, rather than filing a chargeback with your credit card company.", "domain": "finance"}
{"url": "https://evolutionlifejeans.com.br/2021/05/18/what-exactly-is-the-national-government-of-canada-6/", "date": "2021-06-25T04:03:53Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623488567696.99/warc/CC-MAIN-20210625023840-20210625053840-00032.warc.gz", "language_score": 0.9583778381347656, "token_count": 849, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__190072142", "lang": "en", "text": "The federal government of Canada is following through to greatly help Canadians handle their finances in this period that is exceptional. Find out more about new measures into the Economic Response Arrange.\nNumerous workers are unemployed as a result of shortage of work as a result of shut or reduced operations because of COVID-19. If that can be your case and also you be eligible for Employment Insurance advantages ( ag EWe https://personalbadcreditloans.net/payday-loans-or/ ), it is possible to make an application for EI .\nCanada Recovery Benefit (CRB )\nYou’re qualified if:\n- you’ve stopped working and so are maybe not entitled to EI due to COVID-19\n- had your employment/self-employment earnings paid down by 50% due to COVID-19\nCanada Healing Caregiving Benefit (CRCB )\nYou’re qualified if:\n- You must care for a young kid under the chronilogical age of 12 or a member of family because schools, daycares or care facilities are closed due to COVID-19\n- you have got a ill kid or household member and/or required to quarantine or reaches threat of severe wellness problems as a result of COVID-19\nCanada Recovery Sickness Benefit (CRSB )\nYou’re eligible if you’re unable for at the least 50% regarding the because you week:\n- are unwell or need to self-isolate due to COVID-19\n- have an underlying that sets them at greater chance of having COVID-19\nThe Canada Child Benefit (CCB) is risen to an additional $300 per kid. This benefit will likely to be delivered included in the scheduled payment in might. People who currently get the advantage don’t have to re-apply.\nEffective March 30, 2020, all education loan borrowers will immediately have their repayments suspended until 30, 2020 september. With this time, you won’t need to make any repayments and interest will maybe maybe not accrue. You don’t need to use for the pause on payment.\nThese can add costs for:\n- inadequate funds (NSF)\n- end repayments\n- Interac e-transfers\n- month-to-month deal plans\nContact your economic organization to get more details.\nIn this uncertain duration, stay away from borrowing additional money whenever possible. Studies have shown those who frequently utilize credit to fund day-to-day costs since they will have run in short supply of money have actually reduced amounts of economic wellbeing.\nIn the event that you must borrow cash, be sure you comprehend the price of various credit items before you make a choice, and borrow just things you need.\nSpecific credit items are more costly because of the high interest levels and costs. for instance, a cash advance should end up being your absolute final resort, because they usually carry high costs.\nyou compare all borrowing options and their costs, interest rates and payment terms before selecting a credit item. Otherwise, contracting brand new credit that is expensive could create more monetary problems for you personally in the foreseeable future.\nends that are making, talk to reputable sources to explore the economic options available for your requirements. You can easily contact a financial expert, such as for example an authorized advisor that is financial an accredited credit counsellor, an idea. They are licensed if you choose a financial advisor, make sure.\nBe aware when trying to find the professional that is right can help you. Some organizations providing to settle repair or debt credit are misleading customers.\nHaving a budget is key, specially when an urgent situation does occur. To be able to handle your financial allowance, you will need to recognize and costs. It is versus your wants throughout a period that is specific.\nThe Budget Planner can be an tool that is interactive provides guidelines, recommendations, instructions and alerts. It will also help you figure out you could cut expenses whether you have the funds to meet your ongoing financial commitments and where.", "domain": "finance"}
{"url": "http://nouveaunative.blogspot.com/2007/02/understanding-security-deposits.html", "date": "2017-04-23T15:40:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917118713.1/warc/CC-MAIN-20170423031158-00273-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9531516432762146, "token_count": 658, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__105389234", "lang": "en", "text": "Almost all landlords require that tenant’s provide them with a security deposit. As the name suggests, the security deposit is money that the tenant deposits with the landlord for their financial security. If you damage the property, leave without paying rent, etc, the security deposit provides the landlord with a way to become “financially whole” again. Generally, the security deposit is equal to one month’s rent. However, unless the property is a rent stabilized unit (in which case the deposit can NOT be more than one month’s rent), the deposit amount can be set by the owner.\nIn New York, there are very strict rules as to the usage of the security deposit.\n- A landlord must return the security deposit at the end of the lease or within a reasonable time thereafter. Generally a “reasonable time” is considered to be 30 to 60 days. This provides the landlord with enough time to assess any damage and to have repair work completed. It is important that you attend the end of tenancy inspection. This insures that you and your landlord are aware of any repairs and any disputes can be addressed immediately.\n- A landlord may retain a potion of the security deposit or all of the deposit in the event that the apartment is damaged and repairs beyond normal wear and tear must be made or to cover unpaid rent. However, the costs must be considered “reasonable.”\n- A tenant can not use the deposit as the final month of rent. While this may be more convenient for the tenant, it robs the landlord of the ability the cover damages.\nNew York also has strict rules as to the maintenance of the deposit money.\n- A landlord must treat the deposit money as “funds in trust.” That means that the landlord can’t treat the deposit as their money and can’t co-mingle their money with that of the tenant.\n- If the landlord owns six or more apartments, the security deposit must be held in a New York bank that pays the prevailing interest rate. A tenant must be informed in writing as to the name and location of the bank and must receive the interest (less an allowed 1% administration fee that the landlord may retain). A tenant has the right to determine if they wish to have the interest paid annually, paid at the end of the lease term, or applied to the rent.\nUsing your security to your advantage\nOffering an increased security deposit is a great way to counter bad credit or lack of citizenship. This gives the landlord the added security of knowing that an otherwise “bad risk” is offset to a greater degree. You should remember however, that an increased security deposit is not the same as pre-paid rent. The security deposit is held in account until the end of the lease period and can’t be accessed by the tenant. If the money that you are offering is money that you need to live, ask to pre-pay the rent instead.\nIf at the end of your lease, you agree to renew and the lease amount is higher, you will generally be responsible for proving additional security money’s to equal the entire month rent.\noriginally posted February 24, 2007", "domain": "finance"}
{"url": "https://first-trader-go.lp-oinvest.co.za/pages/risk.html", "date": "2021-04-16T23:24:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038092961.47/warc/CC-MAIN-20210416221552-20210417011552-00378.warc.gz", "language_score": 0.9442721605300903, "token_count": 2289, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__53290567", "lang": "en", "text": "1.1. Basfour 3773 (Pty) Ltd (“the Company”) operating under the trade name OINVEST, is an authorised Financial Service Provider (“FSP”), licensed by the Financial Sector Conduct Authority (“FSCA”) in South Africa, with FSP No. 42020 and registration number 2010/002719/07.\n1.2. The Company’s relationship with its clients will involve entering into over-the-counter (“OTC”) contracts for differences (“CFDs”) with them.\n1.3. As per the terms of General Code of Conduct for Authorised Financial Services Providers and Representatives, 2008 as amended from time to time (“the Code”), the Company is required as an FSP, at the earliest reasonable opportunity, to provide, where applicable, full and appropriate information of any material investment or other risks associated with the Company’s products (“CFDs”), including any risk of loss of any capital amount(s) invested due to market fluctuations.\n1.4. This notice aims to communicate the inherent risks associated with trading CFDs on the Company’s Online Trading Platform (“the Platform”).\n1.5. The Company cannot disclose all potential risks associated with trading CFDs, thus the Company suggests that clients consult professional advisors regarding legal, regulatory, credit, tax or accounting elements to consider, that may apply to CFDs.\n1.6. Before entering into this relationship with the Company, clients acknowledge, understand and agree to the risks involved in this Risk Disclosure.\n1.7. If at any time clients have any queries or questions relating to this Risk Disclosure Notice, they shall contact the Company at [email protected] Clients are strongly advised to do so before engaging into trading CFDs.\n2.1. Trading CFDs is very speculative, risky, and it involves a significant risk of loss.\n2.2. Clients should not invest retirement funds in CFDs.\n2.3. CFD Trading is not suitable for all investors. Suitable investors are persons who:\n2.3.1. understand and are willing to assume the economic, legal and other risks involved in this trading;\n2.3.2. are experienced and knowledgeable about trading in derivatives and in underlying asset types; and\n2.3.3. are financially able to afford significant losses that are greater than the margin or the initial deposit.\n2.3.4. CFD are some of the riskiest types of investments and can result in large losses. These investments are technical and involve lingo that clients need to understand.\n2.3.5. Clients should contact the Company on the details available on its webpage in case they require help understanding any related terms, but they should also seize professional advice and help before investing.\n2.3.6. Clients represent, warrant and agree that:\n18.104.22.168. They understand these risks;\n22.214.171.124. They are willing and able to assume the risks of trading CFDs;\n126.96.36.199. They are able to afford the risks financially; and\n188.8.131.52. that the loss of their entire account balance will not change their lifestyle.\n3.1 Being long in CFD means a client buys the CFDs on the market by speculating that the market price of the underlying asset will rise between the time of the purchase and sale.\n3.2 As the owner of a long position, clients will generally make a profit if the market price of the underlying asset rises while their CFD long position is open. Clients will generally suffer a loss, if the market price of the underlying asset falls while their CFD long position is open.\n3.3 Clients’ potential loss may therefore be bigger than the initial margin they have deposited. In addition, they might suffer a loss due to the closing of their position if they do not have enough liquidity for the margin on their account in order to maintain their position open.\n4.1. Being short in CFD means clients are selling the CFDs on the market by speculating that the market price of the underlying asset will fall between the time of the purchase and sale.\n4.2. As the owner of a short position, clients will generally make a profit if the market price of the underlying asset falls whilst their CFD short position is open. Clients will generally suffer a loss if the market price of the underlying asset rises whilst their CFD short position is open.\n4.3. Clients’ potential loss may therefore be bigger than the initial margin deposited. In addition, clients might suffer a loss due to the closing of their position, if they do not have enough liquidity for the margin on their account in order to maintain their position open.\n5.1. There are specific market conditions, under which a CFD is difficult ot impossible to close-out. This could be for example a result of a suspension or a restriction of trading on the underlying asset of the CFD at times of rapid price movement.\n5.2. In case there is no liquidity in the underlying asset of a CFD, clients may not be able to trade that CFD.\n5.3. There are circumstances where a client may place a “Stop order” and their losses will still not be limited to the destined amount, as market conditions may make it impossible to execute the stop order ar the stop level specified in the CFD.\n6.1. The high degree of “gearing” or “leverage” is a particular feature of CFDs.\n6.2. The effect of leverage makes investing in CFDs riskier than investing in the underlying asset. This is because of the margining system that applies to CFDs. This margining system involves a small deposit that is relative to the size of the transaction. It means that a small price movement in the underlying asset can have a disproportionately dramatic effect on clients’ trades.\n6.3. This can be both advantageous and disadvantageous. A small price movement in a client’s favor can provide a high return on the deposit, however, a small price movement against the client, may result in significant losses.\n6.4. These losses can occur quickly. The greater the leverage, the greater the risk. The size of leverage therefore contributes towards the result of the investment.\n10.1. When trading CFDs with the Company, these transactions will not be performed on a recognized or designated investment exchange. These are known as OTC transactions.\n10.2. Because of this, all positions entered into with the Company must be closed with the Company. Clients’ positions cannot be closed with any other entity.\n10.3. OTC transactions may involve greater risk than investing in contacts that are on an exchange, because there is no exchange market to close out an open position.\n10.4. It may be impossible to liquidate an existing position, to assess the value of the position or to assess the risk exposure.\n10.5. Based on best execution policies applicable to the market, the Company will not quote bid prices and ask prices.\n10.6. The Company does not have a central clearing system. It further does not provide any guarantee, and no other party guarantees, its payment obligations to clients. This means clients are exposed to their credit risk.\n10.7. Prices, margins and valuations may be different from prices reported elsewhere The performance of clients’ CFDs will depend on the prices the Company sets and the market fluctuations in the underlying asset that is the subject of clients’ contract. Each underlying asset carries specific risks that affect the result of clients’ CFDs.\n10.8. The Company calculates its prices by looking at the price of the underlying asset. It gets these prices from third party sources or exchanges. For its CFDs it obtains price data from wholesale market participants.\n10.9. Although the Company expects that these prices will be related to prices available on the market, its prices may be different to prices available to banks and other market participants.\n10.10. The Company has a wide discretion in setting and collecting margin. It isauthorized to convert funds in clients’ accounts for margin. This also involves converting clients’ funds into foreign currency at a rate of exchange that the Companys alone determines. The Company’s rate of exchange is based on the current market rates.\n13.1. The Company’s Online Trading System immediately transmits clients’ execution orders once clients enter the speculated amount and click “Buy/Sell.”\n13.2. This means that clients do not have an opportunity to review the order after clicking “Buy/Sell”. This also means that Market Orders cannot be cancelled or modified.\n13.3. Clients should therefore use the Company’s Demo Trading System to learn about how the Online Trading System works, before they actually trade online with the Company.\n13.4. Clients acknowledge and agree that by using the Company’s Online Trading System, they agree to its one-click system. Clients further acknowledge and agree to accept the risk of this immediate transmission/execution feature.\n14.1. If clients execute Market Orders over the telephone using he Company’s Trading Desk, these order will be completed when the Company’s telephone operator says “deal” or “done”. When this is completed, clients would have bought or sold, and they cannot cancel the Market Order.\n14.2. By placing Market Orders through the Trading Desk, clients acknowledge and agree to this immediate execution. They acknowledge and agree to accept the risk of this immediate execution feature.\n15.1. When the Company provides general market recommendations, these recommendations are not in any way a personal recommendation or investment advice. The Company does not consider any of the clients personal circumstances or their investment objectives when it makes their market recommendations.\n15.2. When the Company makes its market recommendations, it agrees that it is not an offer to buy or sell, or a solicitation of an offer to buy or sell.\n15.3. The clients acknowledge and agree that every time they decide to enter into a CFD with the Company, and each time that they decide that a transaction is appropriate for them, it is an independent decision made by then.\n15.4. If clients incur any liabilities, claims, damages, costs and expenses (including attorneys’ fees) when they follow or take any action based on any of the Company’s trading recommendations, they agree that the Company will not be liable or responsible to them. The clients acknowledge and agree that the Company does not act as an advisor to them nor it is a fiduciary to them. Clients agree that the Company has no fiduciary duty towards them.", "domain": "finance"}
{"url": "http://www.dotcu.org.uk/membership/businessmembership.html", "date": "2017-10-21T22:56:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187824899.75/warc/CC-MAIN-20171021224608-20171022004608-00334.warc.gz", "language_score": 0.9241546988487244, "token_count": 678, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__93628224", "lang": "en", "text": "Available to UK Businesses of all shapes and sizes including Social Enterprises, Charities, Voluntary Groups, Community Groups, Church Groups and others.\nJoin now and start benefiting immediately. View Business Benefits.\nHow to Join\n- Click on the image below and complete the Application Form online\nUnable to Join online?\n- Please contact us and request a Business Application.\n- Call 01202 611 367 or email firstname.lastname@example.org\n- The Membership Team will send an Application Form to you.\n- Complete and return the Application Form to the Membership Team for review.\n- Business checks and additional information may be requested during the review process if deemed necessary.\n- On acceptance the Business will be invoiced £90 + vat (*£50 + vat for concessions).\n- On payment of the invoice the business will be notified of their Membership Number and their Membership pack will be sent to them.\nHelping you, your business and your staff\n- Benefits are only available to Members\n- You will be asked your Membership details whenever you apply for any benefit.\n- Individuals can not access benefits using a Business Membership ID nor visa versa.\n- Individuals should join to get their own Membership ID\n- For Maximum benefit -\nBusiness Members can set up their own \"Employee Benefits Scheme\" for all their Staff.\nHelping your Community\n- Provide extra value - Join the Community Network\n- Become a \"Community Benefits Organisation\" (CBO) and proud supporter of DotComUnity.\n- Help promote Membership and Benefits to everyone in your Community\n- Help to generate additional income to support local projects\n- Help DotComUnity continue to support the vulnerable and all those with disabilities\n- Find out more:\nClick the \"Apply\" button opposite or go to \"Community Network\"\nMore about our Business Membership\nConcessionary Business Membership\nThe Annual cost of Concessionary Business Membership is £50.00 + VAT.\nConcessionary Business Membership is available to:\n- Voluntary Organisations\n- Social Enterprises / CICs\nThe Membership Team reserve the right to request any additional information they deem necessary to support your application at anytime prior to approval.\nOnce your Business application has been reviewed and accepted by The Membership Team you will receive a Welcome email with your Business Membership Number, Secure (GOLD) Members Area Log In details (which will have been generated internally by the Membership Team) and your Invoice detailing all associated business membership costs.\nYour posted Membership Pack will be dispatched once your first years Membership Fee has been received – and will include your DotComUnity Membership Card.\n25% of the membership fee helps to directly support DotComUnity's social purpose.\nYou will also receive regular member communications, keeping you up to date with new developments, benefits and rewards.\nTerms and Conditions\nAll Business Applications are subject to Membership terms and conditions. Business Applications will be reviewed by the Membership Team to confirm the legitimacy of the application before deciding whether the application will be approved.\nBusiness Membership can be declined without explanation or recourse should we feel it is necessary to do so and can be withdrawn should a member bring the \"Brand\" or any part of the business, including DotComUnity, into disrepute.\nView all DotComUnity Terms and Conditions", "domain": "finance"}
{"url": "https://www.friendsofgoodnow.org/latest-news/the-friends-of-the-goodnow-library-awarded-15000-from-middlesex-savings-bank", "date": "2022-12-05T22:26:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446711045.18/warc/CC-MAIN-20221205200634-20221205230634-00596.warc.gz", "language_score": 0.933314859867096, "token_count": 275, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__272664983", "lang": "en", "text": "On Thursday, January 24, 2019, The Friends of the Goodnow Library received a $15,000 grant from the Middlesex Savings Bank. Alice Levine, president of the Friends and Susan Pettit, vice president, accepted the gift on behalf of the organization at a reception held at Middlesex Savings Bank headquarters in Westborough, MA. This grant will be used to expand the Friends annual support of programming and resources not included in the annual town budget for the Goodnow Library in Sudbury.\n“Local libraries play a major role in making our communities the special places they are, said Mike McAuliffe, president and CEO of Middlesex Savings Bank. “They provide important resources that residents of all ages can utilize and enjoy. We are pleased to be making this gift to support all that they do.”\nThe $15,000 gift to The Friends of the Goodnow Library is part of a cumulative gift of $1.4 million that Middlesex Savings Bank distributed to 84 nonprofit organizations including libraries, food pantries, and senior centers within the Bank’s retail branch territory.\nYou can help keep our library vibrant by volunteering your time and talent.\nVolunteers help with activities like planning programs, organizing book sales, and maintaining the library’s entry gardens.", "domain": "finance"}
{"url": "https://www.haddaddodge.net/lease-vs-purchase/", "date": "2021-10-23T14:53:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585696.21/warc/CC-MAIN-20211023130922-20211023160922-00557.warc.gz", "language_score": 0.9181299209594727, "token_count": 1248, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__297367954", "lang": "en", "text": "By submitting your contact information, you consent to be contacted by telephone about purchasing a vehicle or obtaining vehicle financing. Clicking on the Submit button above is your electronic signature.\nClick or Press enter to Enter to Enable skip content option\nPlease Select a Section to Skip to\nGO TO FINANCE APPLICATION >>\nTRADE-IN FORM >>\nThe Haddad Dodge Ram experts are committed to providing exceptional services to our guests on a daily basis. Our Bakersfield, CA, location serves as your hub for everything involving your vehicular needs. This convenient location acts as your one-stop Dodge dealership, Ram dealership, and even acts as your auto service and parts center.\nServing you and your family with an optimal new car purchase while still honoring your budget is a goal our team is dedicated to. Browse our current inventory, select your ideal model, and schedule a test drive today by calling (661) 527-4315.\nThe choice of whether to buy or lease a new vehicle is one of the biggest financial decisions we can make. If you’re thinking about getting behind the wheel of a new Dodge Charger, Challenger, Durango, or RAM 1500 truck, take a minute to familiarize yourself with the pros and cons of each approach.\nThere are few cookie-cutter answers for whether buying or leasing is a better choice, but certain individual preferences may suggest one approach over the other. For example, if you love working on your car in Bakersfield, especially concerning installing after-market parts and making modifications to your drivetrain, then you’re a likely candidate for buying a vehicle, as you can’t make significant modifications to leased vehicles.\nThe simple answer for Bakersfield, CA drivers is money. Generally speaking, monthly payments on a lease tend to be markedly less than monthly payments for a purchase. Furthermore, a car, truck, or SUV in a lease from our Haddad Dodge Ram dealership is almost always covered under the manufacturer’s warranty, which means that mechanical failures won’t cost you anything, with a low likelihood of needing to replace tires, brakes, or exhaust components.\nAnother reason: the latest safety and connectivity technology. When you drive a leased vehicle in the Kern County area, you are by definition driving a car, truck, or SUV that is fewer than four years old. If you’re driving a vehicle that is getting along in years, you don’t have access to the latest safest technologies like collision alerts or blind-spot monitoring. Being in a lease also means Bakersfield drivers get the latest infotainment tech at your disposal, including voice control and smartphone integration that allow you to access your technology without looking at your phone. We have fantastic Dodge and Ram lease deals at our dealership near Taft and Delano, CA. Browse our online inventory and visit us to test drive a new vehicle today.\nIf you still haven’t made up your mind, speak with a member of our finance center to discuss your individual situation, and explore your options.\nThe biggest objection most folks have to lease is that they don’t understand it. People tend to fear and avoid things they don’t understand, especially when they are in an uncomfortable environment (such as a typical showroom). Here’s a quick contrast example between financing and leasing a $20,000 vehicle for a 60-month loan and a 36-month lease:\nWhen you get a $20,000 loan, the bank pays us $20,000 for your car and keeps your title until you pay off the entire $20,000, plus interest.\nWhen you lease, the bank also pays us $20,000 and keeps the title. What’s the difference? With a loan, the bank wants back 100% of the $20,000, plus interest. With a lease, the bank only wants you to pay $8000 plus interest (the difference between $20,000 and the residual of $12,000. The “residual” is the pre-determined value of the leased vehicle after 36 months).\nHaddad Dodge Ram\n3000 Harris Rd, Bakersfield, CA 93313Get Directions\nCall us today!\nSales: (661) 527-4315\nService: (661) 527-4318\nParts: (661) 527-4319\nSales Department HoursMonday: 08:00 AM - 09:00 PMTuesday: 08:00 AM - 09:00 PMWednesday: 08:00 AM - 09:00 PMThursday: 08:00 AM - 09:00 PMFriday: 08:00 AM - 09:00 PMSaturday: 09:00 AM - 08:00 PMSunday: 10:00 AM - 07:00 PM\nService Department HoursMonday: 07:00 AM - 06:00 PMTuesday: 07:00 AM - 06:00 PMWednesday: 07:00 AM - 06:00 PMThursday: 07:00 AM - 06:00 PMFriday: 07:00 AM - 06:00 PMSaturday: ClosedSunday: Closed\nParts Department HoursMonday: 7:00am - 5:00pmTuesday: 7:00am - 5:00pmWednesday: 7:00am - 5:00pmThursday: 7:00am - 5:00pmFriday: 7:00am - 5:00pmSaturday: ClosedSunday: Closed\n©2021. Haddad Dodge Ram. All Rights Reserved.\nWhile great effort is made to ensure the accuracy of the information on this site, errors can occur.\nPlease verify all pricing information with a customer service representative.\nThis is easily done by calling us or visiting us at the dealership.\nMy Saved Vehicles ()\nMy Recently Viewed Vehicles ()\nYou can also view your saved vehicles on other devices.\nSave your favorite vehicles for later viewing on your desktop or mobile devices.\nKeep track of all the vehicles you've viewed for a better car shopping experience.\nNarrow your search by comparing your favorite vehicles.", "domain": "finance"}
{"url": "http://tesla-moscow.ru/cryptocurrency/bitcoin-tumbler---cryptocurrency-tumbler.html", "date": "2022-05-18T13:16:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662522270.37/warc/CC-MAIN-20220518115411-20220518145411-00314.warc.gz", "language_score": 0.9573133587837219, "token_count": 1069, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__209990418", "lang": "en", "text": "Bitcoin tumbler - Cryptocurrency tumbler\nAs maybe some of you realize, every crypto transaction, and Bitcoin is not an exception, is carved in the blockchain and it leaves traces. These marks play an important role for the authorities to trace back outlawed transactions, such as purchasing weapon, drugs or money laundering. While a sender is not associated with any unlawful activity and still wants to avoid being traced, it is possible to use accessible crypto tumbling services and secure sender’s identity. Many bitcoin holders do not want to inform everyone the amount they gain or how they spend their money.\nThere is a belief among some web surfers that using a mixing service is an illegal action itself. It is not entirely true. As mentioned before, there is a possibility of crypto blending to become unlawful, if it is used to hide user’s illegal actions, otherwise, there is no reason to worry. There are many services that are here for bitcoin holders to tumbler their coins.\nHowever, a digital currency owner should pay attention while picking a crypto mixer. Which service can be trusted? How can one be certain that a tumbler will not steal all the deposited digital money? This article is here to reply to these concerns and help every crypto owner to make the right choice.\nThe digital currency mixers presented above are among the leading existing tumblers that were chosen by users and are highly recommended. Let’s take a closer look at the listed crypto mixers and describe all options on which attention should be focused.\nAs cybercash is gaining momentum around the world, digital money holders have become more conscious about the confidentiality of their transactions. Everyone used to believe that a crypto user can remain disguised while forwarding their coins and it came to light that it is not true. On account of the implementation of government policies, the transactions are detectable which means that a user’s electronic address and even identity can be disclosed. But don’t be frightened, there is an answer to such public administration controls and it is a Bitcoin scrambler.\nTo make it clear, a cryptocurrency mixing service is a software program that splits a transaction, so there is a straightforward way to blend different parts of it with other coins. In the end a sender gets back an equal quantity of coins, but mixed up in a completely different set. Consequently, there is no possibility to trace the transaction back to a sender, so one can stay calm that personal identification information is not revealed.\nSurely all crypto mixing services from the table support no-logs and no-registration policy, these are critical aspects that should not be overlooked. Most of the mixing services are used to mix only Bitcoins as the most common cryptocurrency. Although there is a couple of crypto tumblers that mix other cryptocurrencies, such as Ethereum, Bitcoin Cash and Litecoin. Additional currencies give a sender more opportunities, some mixing services also allow to combine coins between the currencies which makes transactions far less identifiable.\nThere is one feature that is not displayed in the above table and it is time-delay. This option helps a user and a transaction itself to remain anonymous, as there is a gap between the deposited coins and the outcoming transaction. In most cases, users can set the time of delay by themselves and it can be several days or even hours and minutes. To get a better understanding of crypto tumblers, it is necessary to consider each of them independently.\nBased on the experience of many users on the Internet, CryptoMixer is one of the leading Bitcoin mixing services that has ever appeared. This tumbler supports not only the most popular cryptocurrency, but also other above-mentioned cryptocurrencies. Exactly this mixing service allows a user to exchange the coins, in other words to deposit one currency and receive them in another currency. This process even increases user’s anonymity. Time-delay feature helps to make a transaction untraceable, as it can be set up to 24 hours. There is a transaction fee of 0.0005 for each extra address.\nOne absolutely special crypto tumbler is ChipMixer because it is based on the absolutely different idea comparing to other mixers. A user does not merely deposit coins to mix, but makes a wallet and funds it with chips from 0.03 BTC to 14.954 BTC which a user can split according to their wishes. After chips are included in the wallet, a wallet owner can send coins to process. As the chips are sent to the mixing platform prior to the transaction, next transactions are untraceable and there is no opportunity to connect them with the wallet holder. There is no standard fee for transactions on this mixing service: it applies “Pay what you like” feature. It means that the fee is randomized making transactions even more anonymous and the service itself more cost-effective. Retention period is 7 days and every user has an opportunity to manually cleanse all logs prior to this period. Another coin tumbler Mixtum offers you a so-called free trial period what means that there are no service or transaction fee charged. The process of getting renewed coins is also quite unique, as the platform requires a request to be sent over Tor or Clearnet and renewed coins are obtained from stock exchanges.", "domain": "finance"}
{"url": "http://cityofluling.net/166/Payments", "date": "2023-12-09T02:07:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100781.60/warc/CC-MAIN-20231209004202-20231209034202-00613.warc.gz", "language_score": 0.9520784616470337, "token_count": 202, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__103103909", "lang": "en", "text": "Should you require payment arrangements you will need to contact the court either by mail or in person:\nPayment arrangements may be set up either monthly, every 2 weeks, or weekly.\nPayments will be determined by the amount owed and the ability of the defendant to pay.\nIf any or part of a payment goes past 31 days from the date of your plea, the State requires the Court to assess a 1 time fee of $15 per violation, which can be worked into the payments.\nYou will be required to make your payments on the scheduled due date until the amount is paid in full.\nShould you require an extension to pay, you will need to contact the court on or before your due date, either in person, e-mail, or by mail, to show just cause why a further extension should be granted.\nIf there is failure to comply with this agreement a Capias Pro Fine Warrant will be issued for your arrest for the amount of what is owed with additional fees.", "domain": "finance"}
{"url": "https://www.eevelle.com/sst-form/", "date": "2019-08-25T18:11:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027330786.8/warc/CC-MAIN-20190825173827-20190825195827-00277.warc.gz", "language_score": 0.926770031452179, "token_count": 846, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__104243814", "lang": "en", "text": "Streamlined Sales and Use Tax Agreement\nCertificate of Exemption\nThis is a multi-state form. Not all states allow all exemptions listed on this form. Purchasers are responsible for knowing if they qualify to claim exemption from tax in the state that would otherwise be due tax on this sale. The seller may be required to provide this exemption certificate (or the data elements required on the form) to a state that would otherwise be due tax on this sale.\nThe purchaser will be held liable for any tax and interest, and possible civil and criminal penalties imposed by the member state, if the purchaser is not eligible to claim this exemption. A seller may not accept a certificate of exemption for an entity-based exemption\nIf no Steamlined Sales Tax ID Number, enter one of the following:\nEnter the code from the table below in the \"Reason For Exemption\" box to the underneath. Enter the Department/Name/Number in the ID Number Box.\nYou MUST fill out both the code and the appropriate number for any state in which you are claiming exemption.\nThe following non-member states will accept this certificate for exemption claims that are valid in their respective state. SSUTA Direct Mail provisions do not apply in these states\nUse this form to claim exemption from sales tax on purchases of otherwise taxable items. The purchaser must complete all fields on the exemption certificate and provide the fully completed certificate to the seller in order to claim exemption.\nWarning to purchaser: Purchasers are responsible for ensuring that they are eligible for the exemption being claimed. Purchasers will be held liable for any tax and interest, as well as penalties imposed by the state, if the purchase is not legally exempt.\nMisuse of exemption certificates : Any purchaser who knowingly and intentionally purchases items for resale that he or she knows will not be resold, or provides an invalid exemption certificate with the intent to evade payment of the tax, must pay the use tax on these items and may be guilty of a Class 1 misdemeanor and fined up to 50% of the tax owed. If a business legitimately purchases an item for resale, but later uses that item, the purchaser is responsible for reporting and paying use tax on that item.\nPurchaser instructions for completing the exemption certificate:\nIf the Multistate Supplemental form is not being attached, enter the two-letter postal abbreviation for the state under whose laws the exemption is being claimed. For example, if claiming a sales tax exemption in Minnesota, enter “MN” in the boxes provided.\nIf this box is not checked, this certificate will be treated as a blanket certificate. A blanket certificate continues in force as long as the purchaser is making recurring purchases (at least one purchase within a period of twelve consecutive months) or until otherwise cancelled by the purchaser.\nMultistate Purchasers: The purchaser should enter the headquarters’ address as the business address.\nMultistate Purchasers: Attach the SSUTA Certificate of Exemption – Multistate Supplemental form and indicate the applicable reason for exemption and identification number (if required) for each of the additional states in which the purchaser wishes to claim exemption from tax.\nCAUTION: The exemptions listed are general exemptions most commonly allowed by states. However, each state’s laws governing exemptions are different. Not all of the reasons listed may be valid exemptions in the state in which the exemption is being claimed. In addition, each state has other exemptions that may not be listed on this form. To determine what sales tax exemptions are allowed in a particular state refer to the state’s website or other information available relating to that state’s exemptions.\nSeller: The seller is required to maintain proper records of exempt transactions and provide those records to states when requested. These certificates may be provided in paper or electronic format. Exemption certificates must be made available to states in the form it is maintained.\nThe seller is relieved of the responsibility for collecting and remitting sales tax on the sale(s) for which the purchaser provided the exemption certificate, even if it is ultimately determined that the purchaser improperly claimed an exemption, provided all of the following conditions are met:", "domain": "finance"}
{"url": "https://support.forumcomm.com/support/solutions/articles/4000161230-why-am-i-being-charged-sales-tax-", "date": "2021-08-04T17:03:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154878.27/warc/CC-MAIN-20210804142918-20210804172918-00063.warc.gz", "language_score": 0.9497533440589905, "token_count": 113, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__40587795", "lang": "en", "text": "We collect sales tax on product purchases (and in some locations, delivery charges) in locations where we have a legal obligation to do so. Those taxes are calculated based on the state and local taxes applicable in the location where the order is being shipped. All taxes will be displayed before completion of your purchase.\nWhy am I being charged sales tax? Print\nModified on: Wed, 22 Jul, 2020 at 3:46 PM\nDid you find it helpful?Send feedback\nSorry we couldn't be helpful. Help us improve this article with your feedback.", "domain": "finance"}
{"url": "https://khanzinvest.com/resources/investing-framework/", "date": "2024-02-28T07:06:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474697.2/warc/CC-MAIN-20240228044414-20240228074414-00086.warc.gz", "language_score": 0.9260494709014893, "token_count": 194, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__23211544", "lang": "en", "text": "What is Chatur Framework?\nChatur Framework is a 5 step investment framework made by Zakaria Khan, Founder of KhanZ Invest. It is based on value investment principles.\nThe 5 steps of Chatur Framework are designed to simplify the process of finding good quality stocks.\nThe Chatur Framework aims to help you better control your investment risks and at the same time generate good long term returns.\nWhat are the principles of Chatur Framework?\nChatur Framework is based on value investing principles. In a nutshell, value investing means we strictly evaluate the quantitative matrixes of the business and calculate the intrinsic value of a business and buy its stocks at a cheaper price. Buying stocks cheaper than their intrinsic value is known as the margin of safety.\nOur investing framework is not limited to quantitative matrixes, we equally value qualitative measures of a business. Step 4 & Step 5 of the Chatur Investing Framework looks into the qualitative measures of the business.", "domain": "finance"}
{"url": "https://jbonnerconsulting.com/", "date": "2021-09-26T10:21:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-39/segments/1631780057857.27/warc/CC-MAIN-20210926083818-20210926113818-00706.warc.gz", "language_score": 0.9205812215805054, "token_count": 204, "dump": "CC-MAIN-2021-39", "global_id": "webtext-fineweb__CC-MAIN-2021-39__0__61822749", "lang": "en", "text": "COVID-19 has created the greatest economic threat to community banking since the Great Recession. Record numbers of loans are on deferral or forbearance status. Some will translate to losses, putting pressure on income, loan loss reserves, and capital. Business customers aided by PPP loans may still fail. Net interest margins continue to shrink while compliance and technology costs continue to grow. Regulatory scrutiny of asset quality and management systems will intensify. Pandemic driven acceleration of remote banking makes large banks and fintechs even more formidable competitors than they already were.\nBut there are tremendous long term opportunities for community banks and credit unions that can navigate today's unique challenges while simultaneously building for the future. Helping you develop practical strategies and manage change to meet your objectives is what I do.\nIt's who I am.\n\"CHANGE IS THE LAW OF LIFE, AND THOSE WHO LOOK ONLY TO THE PAST OR THE PRESENT ARE CERTAIN TO MISS THE FUTURE\"\n-John F. Kennedy", "domain": "finance"}
{"url": "https://cordoleani.medium.com/the-revolution-is-not-the-metaverse-cd2cad269c84?source=user_profile---------5----------------------------", "date": "2024-03-02T18:50:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475897.53/warc/CC-MAIN-20240302184020-20240302214020-00672.warc.gz", "language_score": 0.9452878832817078, "token_count": 269, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__153533318", "lang": "en", "text": "The revolution is not the #Metaverse but the #TOKENIZATION. The media are parasitizing the fabulous 20-year adventure of the liquefaction of value with this history of Metaverse. Web3 has nothing to do with the issues of a parallel immersive world. Metaverse is a potential application of the #Blockchain protocol but it’s way too early to make money with this pipe dream. As #facebook had to advance its roadmap by 10 years because its Libra could not be released because of the lobbying of American banks, so the press thinks it’s the hype of the moment. WRONG! We are still at the beginning of the exploitation of blockchain, at the same level as the web in 1995. In 5 years, some traditional banks will be bought, saved by the winners of the DEFI (binance, coinbase .), as AOL bought Time Warner in 2000 to the general surprise. It took 35 years for the Web protocol to liquefy the information to lead to its first native application: TIKTOK, the #Web3 is in the process of liquefying the value and we will be at the peak of its exploitation around 2032, it’s only at this moment that we will move to the problem of the virtualization of the user experience.", "domain": "finance"}
{"url": "http://heraldsquareproperties.com/", "date": "2017-04-30T10:43:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-17/segments/1492917125074.20/warc/CC-MAIN-20170423031205-00189-ip-10-145-167-34.ec2.internal.warc.gz", "language_score": 0.9185075759887695, "token_count": 189, "dump": "CC-MAIN-2017-17", "global_id": "webtext-fineweb__CC-MAIN-2017-17__0__49198891", "lang": "en", "text": "Herald Square Properties is a fully integrated investment and operating company focused on the Manhattan office market.\nHerald Square currently owns or performs asset management services on over one million square feet in Manhattan.\nThe current portfolio is comprised of Class A and Class B office properties located throughout Manhattan including the Lipstick Building, 292 Madison Avenue, 142 West 36th Street and 234 West 39th Street.\nHERALD SQUARE PROPERTIES ACQUIRES 251 WEST\nNEW YORK, (May 25, 2016)\n30TH STREET WITH MARCIANO INVESTMENT GROUP\nHerald Square Properties (\"HSP\") and Marciano Investment Group (\"MIG\") have teamed up to purchase 251 West 30th Street, a 16-story, 114,000-square-foot mid-block prewar loft office building with great light and air located in the vibrant Chelsea North submarket ...\n> CLICK HERE TO READ ARTICLE", "domain": "finance"}
{"url": "https://www.vickydrivingschool.net.au/how-much-does-it-cost-to-go-to-driving-school-in-australia/", "date": "2024-03-03T19:15:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947476397.24/warc/CC-MAIN-20240303174631-20240303204631-00860.warc.gz", "language_score": 0.9503934979438782, "token_count": 1618, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__16842127", "lang": "en", "text": "Driving is a valuable skill that provides independence, and convenience, and opens up various opportunities. Attending a driving school is an excellent way to acquire the necessary knowledge and skills to become a confident and responsible driver. If you’re considering enrolling in a driving school in Ringwood, it’s essential to understand the costs involved.\nThe Importance of Attending Driving School\nBefore we delve into the cost aspect, let’s first understand why attending driving school is crucial. Driving schools offer structured and comprehensive driver education programs designed to teach both theoretical knowledge and practical skills.\nThey provide professional guidance and ensure that learners develop a strong foundation in safe driving practices, traffic rules, and road etiquette. Attending driving school increases your chances of passing the driving test and obtaining a driver’s license successfully. Moreover, it enhances your safety and that of others on the road.\nDifferent types of driving test bookings\nIn Australia, you have several options when it comes to choosing a driving school. The three main types include accredited driving schools, government-funded driving schools, and independent driving instructors. Accredited driving schools are private institutions that offer comprehensive driver education programs.\nGovernment-funded driving schools, on the other hand, provide subsidized or free driving lessons to eligible individuals. Independent driving instructors operate independently and offer personalized driving lessons.\nFactors Influencing the cost of driving school\nSeveral factors contribute to the cost of driving school in Melton. It’s essential to consider these factors when planning your budget and selecting a driving school that fits your requirements. The following are the key factors that influence the cost of driving school:\n1. Location: The cost of driving school can vary depending on the location. Urban areas tend to have higher prices compared to regional or rural areas due to increased demand and higher living costs.\n2. Duration and intensity of the course: Driving schools offer various course options, such as standard courses, intensive courses, and refresher courses. The longer and more intensive the course, the higher the cost is likely to be.\n3. Inclusions and additional services: Some driving schools may include additional services in their packages, such as mock driving tests, hazard perception training, or defensive driving techniques. These additional services can impact the overall cost.\n4. Reputation and experience of the driving school: Established driving schools with a solid reputation and experienced instructors often charge higher fees. Their expertise and track record of success may justify the higher cost.\nNow that we’ve discussed the factors that influence the cost, let’s explore the average cost of driving school in Australia.\nAverage cost of driving school in Ringwood\nThe cost of driving school in Ringwood can vary significantly depending on the type of driving school and the location. To give you a general idea, let’s look at the average cost range for different types of driving schools:\nAccredited driving schools: The cost of a full driver education program at an accredited driving school typically ranges from $800 to $2000. This includes both theoretical classes and practical driving lessons.\nGovernment-funded driving schools: If you qualify for government-funded driving lessons, the cost can be significantly lower or even free. Eligibility criteria vary, and it’s important to check with your local government or transport authority for more information.\nIndependent driving instructors: Independent driving instructors usually offer flexible pricing options. The cost per driving lesson can range from $40 to $80, depending on the duration and the instructor’s experience.\nIt’s important to note that these are average estimates, and the actual cost may vary based on the factors mentioned earlier. Additionally, there may be additional expenses to consider.\nAdditional expenses to consider\nWhen budgeting for driving school, it’s essential to factor in additional expenses that may arise during the process. These expenses can include:\nLearner’s permit fees: Before you can start driving lessons, you’ll need to obtain a learner’s permit. The cost of the permit varies between states and territories, ranging from approximately $25 to $50.\nDriving test fees: Once you’ve completed your driving lessons, you’ll need to take a driving test to obtain your driver’s license. The cost of the test varies between $75 and $150, depending on the state or territory.\nLearning materials: Some driving schools may provide learning materials as part of their package, while others may charge an additional fee for books, handbooks, or online resources.\nVehicle hire for the driving test: If you don’t have access to a suitable vehicle for the driving test, you may need to hire one from the driving school or a rental service. The cost of vehicle hire can range from $50 to $100.\nConsidering these additional expenses will help you plan your budget more effectively.\nTips for finding affordable driving school options\nIf you’re concerned about the cost of driving school, here are some tips to help you find more affordable options:\nResearch and compare prices: Take the time to research and compare prices from different driving schools in your area. Look for schools that offer transparent pricing and have positive reviews from past students.\nLook for discounts and package deals: Some driving schools may offer discounts or package deals that can help you save money. These can include discounted rates for booking multiple lessons or comprehensive packages that include both theory and practical sessions.\nConsider group lessons or shared driving time: Some driving schools offer group lessons or shared driving time, where you can split the cost with other learners. This can be a cost-effective option, especially if you’re comfortable learning in a group setting.\nBy utilizing these tips, you can find a driving school that fits your budget without compromising on the quality of education.\nImportance of investing in quality driving education:\nQuality driving education provides you with essential skills and knowledge that can benefit you in the long run. Here are a few reasons why investing in quality driving education is crucial:\nLong-term benefits and savings: Attending a reputable driving school can provide a reliable foundation in driving skills and road safety, leading to responsible and confident driving and decreasing the potential for accidents and fines down the road. Additionally, learning defensive driving techniques can save you money on insurance premiums by demonstrating your commitment to safe driving practices.\nEnhanced safety and confidence on the road: Driving schools focus on teaching defensive driving techniques, hazard perception, and proper road etiquette. These skills go beyond the basic requirements for obtaining a driver’s license. By learning from experienced instructors, you’ll develop the confidence and skills necessary to handle challenging situations on the road, such as adverse weather conditions or unexpected hazards.\nPreparation for the driving test: Attending a driving school increases your chances of passing the driving test on your first attempt. Driving instructors are familiar with the requirements and expectations of the test, and they can provide you with valuable guidance and practice to ensure you’re well-prepared. This can save you both time and money by avoiding the need for retakes.\nBuilding a strong foundation for a lifetime of safe driving: The skills and knowledge acquired during driving school become the building blocks of your driving habits for years to come. By investing in quality education, you lay the groundwork for a lifetime of safe and responsible driving. This not only benefits you but also contributes to a safer road environment for everyone.\nDriving school costs in Australia vary based on factors like location, school type, duration, and extra services. Accredited schools charge around $800 to $2000 on average, while government-funded options can be more affordable or free for eligible individuals. It’s essential to consider the long-term benefits and savings that come with investing in quality driving education. Prioritize safety, gain confidence, and prepare for the driving test to ensure a lifetime of responsible driving.", "domain": "finance"}
{"url": "http://libertyscott.blogspot.co.uk/2010/01/obamas-grab-for-populism.html", "date": "2014-07-22T19:41:32Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-23/segments/1405997862711.66/warc/CC-MAIN-20140722025742-00241-ip-10-33-131-23.ec2.internal.warc.gz", "language_score": 0.9765485525131226, "token_count": 119, "dump": "CC-MAIN-2014-23", "global_id": "webtext-fineweb__CC-MAIN-2014-23__0__87379921", "lang": "en", "text": "Was the financial crisis due to the fact that some banks own private equity firms? No.\nIn truth, banking losses were caused by bad property loans – and the purchase of this sub-prime debt by other banks and funds in the belief that they were safe. Wall Street was crippled because it was so leveraged and didn’t hold enough high quality, truly liquid capital. AIG insured packages of sub-prime debt through credit default swaps but didn’t set capital aside in case things went wrong.\nObama’s pseudo-remedies completely miss the point.", "domain": "finance"}
{"url": "https://decentralbank.readthedocs.io/en/latest/", "date": "2019-09-15T10:07:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-39/segments/1568514571027.62/warc/CC-MAIN-20190915093509-20190915115509-00117.warc.gz", "language_score": 0.8999127149581909, "token_count": 356, "dump": "CC-MAIN-2019-39", "global_id": "webtext-fineweb__CC-MAIN-2019-39__0__150245881", "lang": "en", "text": "Decentral Bank is a software framework which allows a network of peers to partake in decentralized banking activity and monetary policy. The network is capable of issuing currency tokens whose purchasing power is maintained through a set of smart contracts included in the system. The mechanisms include but are not limited to the auctioning of bonds and shares and a collateralized reserve system. The Decentral Bank framework contains many of the cryptocurrency industry standard stability mechanisms for stablecoin systems. Users can fork the Decentral Bank software and create stablecoin networks which incorporate various monetary policy functions modeled after real-world banking and economic theories.\nDecentral Bank Software is based on EOSIO technology for Turing-complete smart contract functionality, account-based transactions, and Byzantine consensus.\nDecentral Bank software is released under the terms of the MIT license. Decentral Bank software is open source and free to use. The \"Decentral Bank\" repository is not a bank and does not engage in banking activity, transactions, or business. The software is released in an as-is basis and open to all collaborators.\nDecentral Bank is built on EOSIO software with each stability mechanism modeled as its own smart contract.\nDownload the latest EOSIO implementation at https://github.com/EOSIO/eos and follow instructions to set up a local test network (building from source is recommended).\nOnce a local single-node test network is set up with NODEOS creating blocks on the local machine, run the decentralbank_setup.sh script to begin setting up the decentral bank local network. This will setup the local network by creating the necessary EOSIO accounts, deploying the appropriate smart contracts, beginning price feed and monetary policy, and creating currency tokens.", "domain": "finance"}
{"url": "https://careers.kondor.co.uk/vacancies/description/85/", "date": "2019-07-22T13:53:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-30/segments/1563195528037.92/warc/CC-MAIN-20190722133851-20190722155851-00442.warc.gz", "language_score": 0.8939467668533325, "token_count": 301, "dump": "CC-MAIN-2019-30", "global_id": "webtext-fineweb__CC-MAIN-2019-30__0__117859504", "lang": "en", "text": "Sales Administrator (OTC)\nContract Type: Permanent\nHours: Full Time\nRef No: 85\nMain focus will be to manage the cash cycle in the business by ensuring that sales order processing and invoicing through to customer cash collection is managed in line with policy and procedure.\n- Ideally back office support experience gained in AP, AR or similar\n- Experience of working in a fast-moving environment\n- Knowledge of Microsoft Office, mainly Excel\n- Management of Orders – Processing and amending orders where necessary, ensuring all orders are processed and dispatched within the given time frame. Ensure that delivery of product into customers is scheduled efficiently.\n- Pre-Sale Enquiries – Using product and company knowledge to answer any customer enquiries.\n- Invoicing- Completing and submitting invoices for accounts.\n- After-Sales Enquiries – Resolving any product or delivery problems with customers to ensure payment on terms.\n- System Administration – Submitting product information into various third-party systems.\n- Cash Allocation – Ensuring customer remittances are allocated accurately and on time.\n- Demonstrate a strong awareness of and commitment to Ethics and Compliance and the DCC Group Code of Conduct.\nKey Internal Relationships\n- Head of Channels\n- Wider Finance team\n- Account Managers\n- Operations team\n- Purchasing team\nKey External relationships\n- Customer AP teams\n- Customer Supply Chain teams\n- Logistics providers", "domain": "finance"}
{"url": "http://www.vinesguildfordmotorrad.co.uk/company-information-ar1/", "date": "2018-04-20T01:04:17Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125937090.0/warc/CC-MAIN-20180420003432-20180420023432-00408.warc.gz", "language_score": 0.9047651886940002, "token_count": 153, "dump": "CC-MAIN-2018-17", "global_id": "webtext-fineweb__CC-MAIN-2018-17__0__79064333", "lang": "en", "text": "Registered Name: Vines Limited\nCompany Registered Number: 1849408\nPlace of Registration: England and Wales\nRegistered Office Address: Vines House, Slyfield Green, Guildford, GU1 1RD\nVAT Number: 529018646\nEmail Address: email@example.com\nFCA Status Disclosure:\nVines Limited is authorised and regulated by the Financial Conduct Authority for its regulated consumer credit activities. Ref No. 664887.\nVines Limited is an appointed representative of BMW Financial Services (GB) Limited, which is authorised and regulated by the Financial Conduct Authority, for its general insurance mediation activities. Ref No. 466340.\nVines Limited Gender Pay Gap Report for 2017 link: Gender Pay Gap Report 2017", "domain": "finance"}
{"url": "https://deweyjames.com/budget-calculation-metrics-project-management/", "date": "2023-01-29T18:04:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499758.83/warc/CC-MAIN-20230129180008-20230129210008-00852.warc.gz", "language_score": 0.9355567693710327, "token_count": 514, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__283338280", "lang": "en", "text": "Budget calculations in project management:\n- Cost Baseline: This is the approved version of the project’s budget and is used to measure and monitor project performance.\n- Budget at Completion (BAC): The total budget for the project, including all planned costs for the project.\n- Actual Cost (AC): The total cost incurred for the project to date.\n- Earned Value (EV): The value of the work completed to date, measured in terms of the budget.\n- Planned Value (PV): The budgeted cost for the work planned to be completed at a given point in time.\n- Schedule Variance (SV): The difference between the planned value and the earned value of the project.\n- Cost Variance (CV): The difference between the planned cost and the actual cost of the project.\n- Cost Performance Index (CPI): A measure of how effectively project costs are being controlled, calculated as the ratio of the earned value to the actual cost.\n- Schedule Performance Index (SPI): A measure of how effectively project schedule is being controlled, calculated as the ratio of the earned value to the planned value.\n- Estimate at Completion (EAC): An estimate of the total cost of the project at its completion, calculated using various methods depending on the project’s performance.\n- Variance at Completion (VAC): The difference between the budget at completion and the estimate at completion.\nBudget at Completion (BAC)\nThe Budget at Completion (BAC) is the total budget for a project, including all planned costs. To calculate BAC, you would add up all of the costs that are expected to be incurred during the project, including direct costs (e.g. labor, materials, equipment) and indirect costs (e.g. overhead, contingencies).\n- BAC = Direct costs + Indirect costs + Contingency costs\n- Direct costs = sum of all costs that can be directly attributed to the project (e.g. labor, materials, equipment)\n- Indirect costs = costs that cannot be directly attributed to the project (e.g. overhead, contingencies)\n- Contingency costs = additional costs that may be incurred to deal with unforeseen events or risks.\nIt’s important to note that BAC is an estimation and not a fixed number, it can change during project execution due to any scope changes or unforeseen events.", "domain": "finance"}
{"url": "http://bubu-online.blogspot.com/2012/09/demand-for-linux-hosting-servers.html", "date": "2018-04-23T23:22:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-17/segments/1524125946256.50/warc/CC-MAIN-20180423223408-20180424003408-00210.warc.gz", "language_score": 0.962536633014679, "token_count": 321, "dump": "CC-MAIN-2018-17", "global_id": "webtext-fineweb__CC-MAIN-2018-17__0__172624173", "lang": "en", "text": "According to the recent report published by IDC this week, worldwide server market revenues decreased 4.8 percent year-over-year in Q2 2012. This is the third consecutive quarter of year-over-year revenue declines for the server market. The market is \"working its way through a number of technology transitions impacting customer demand for x86, Unix and mainframe-class systems,\" said Matt Eastwood, group vice president and general manager for enterprise platforms at IDC, in a released statement. \"Economic uncertainty is weighing on the market and the sales cycle is lengthening.\"\nUnix hosting servers and non-x86 servers had the poorest showing this quarter. Unix hosting server revenue declined 20.3 percent year over year. Non-x86 server revenue declined 19.4 percent year over year. However, bladed hosting servers and Linux dedicated servers saw improved demand. IDC attributes the increase of Linux hardware revenue (a 1.7 percent year-over-year gain) to the growing demands of high-performance computing and cloud infrastructure deployments. Bladed server factory revenue was up 6.3 percent year over year, as were bladed server shipment numbers (up 4.1 percent from Q2 2011).\nHewlett-Packard Co. and IBM Corp. shared the No. 1 spot for factory revenue share this quarter, although both companies saw year-over-year factory revenue declines (of 5 percent and 8.2 percent, respectively). Dell Inc. took third place in factory revenue share, helped by a 5.9 percent revenue increase compared with Q2 2011.", "domain": "finance"}
{"url": "http://ridgewayhs.dsbn.org/student-services/guidance/scholarships-and-financial-aid", "date": "2018-02-18T18:24:50Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-09/segments/1518891812247.50/warc/CC-MAIN-20180218173208-20180218193208-00750.warc.gz", "language_score": 0.9239994883537292, "token_count": 301, "dump": "CC-MAIN-2018-09", "global_id": "webtext-fineweb__CC-MAIN-2018-09__0__266728088", "lang": "en", "text": "Scholarship and Bursary Information\nThere are several sources available to look for scholarships and bursaries:\n1 The District School Board of Niagara website:\nclick on Student and then click on Scholarships/Awards\nThere will be a listing of scholarships available for all Grade 12 students to apply to. See if you qualify by clicking on the link and check the criteria. Make sure you include all of the required documents.\nThere are NO limits of how many you can apply to.\nAsk Mr Connor or Mrs Carthew if you need help!\n2 Sign up for the following free websites:\nThese websites are designed to email you with possible scholarships that you would qualify for based on the information you put in.\n3 Check out the RCBHS guidance twitter page here\n4 Check out the SCHOLARSHIP/BURSARY website of the school(s) that you will be applying to. There are also many opportunities for students to apply and get help financing their education.\nHere is the eInfo scholarships page\n5 When you have confirmed which school/program you will be taking, remember to apply to the Ontario Student Assistance Program (O.S.A.P.). Click OSAP to apply.\nYou will need a Social Insurance Number and the tax information from the previous year.\nSearch up all possible categories that could fit you, your course, the school you're applying to, your heritage, where your parents / guardians work and so on........", "domain": "finance"}
{"url": "http://rendina.com/careers/property-accountant/", "date": "2018-05-26T00:01:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-22/segments/1526794867254.84/warc/CC-MAIN-20180525235049-20180526015049-00433.warc.gz", "language_score": 0.8930575251579285, "token_count": 453, "dump": "CC-MAIN-2018-22", "global_id": "webtext-fineweb__CC-MAIN-2018-22__0__1174304", "lang": "en", "text": "As Property Accountant, you will be responsible the financial reporting for all assigned properties with emphasis on account analysis, journal entries, and bank reconciliations in accordance with modified accrual basis of accounting.\n- Cash Management\n• Monitor properties cash position on a daily basis.\n• Reconcile monthly bank and mortgage statements for cash and escrow accounts.\n• Review and approve tenant billings, chargebacks, and any other necessary adjustments.\n• Confirm cash receipts on all tenants who pay their rent and CAM via ACH.\n- Cash Disbursements\n• Review invoices for proper account coding and approval.\n• Approve invoices for payment based on property cash flow.\n• Ensure all mortgages, real estate tax bills, insurance bills, and ground lease payments are paid timely.\n• Assist the Asset Manager in processing quarterly distributions.\n- Budgets/Operating Expenses\n• Assist Property Managers in the preparation of the annual property budget.\n• Create reforecast budgets for all assigned properties.\n• When applicable, calculate allowable gross-up numbers for the budgets.\n• Load budget detail into Kardin/Yardi.\n- Other / Miscellaneous\n• Record refinances, sales, and casualties.\n• Close the month and the year in Yardi.\n• Record the necessary reclassification entry of PY net income/loss as part of the year end close.\n• Assist with year-end reconciliations for tax return purposes\n• End of year tax entries\n• Assist with other duties as assigned.\nThis job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to work as a team and follow any other job related instructions and to perform any other requested job-related duties. Team members are expected to perform these duties with an enthusiastic attitude and to assist wherever necessary to accomplish the Company’s overall goals.\nThe ideal candidate will possess:\n- Minimum 3 years of experience in real estate related activities\n- Bachelor’s degree in accounting\n- Experience with Excel require\n- Experience with Yardi and Kardin preferred", "domain": "finance"}
{"url": "http://planomusicteachers.org/about.html", "date": "2022-12-03T10:14:08Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710926.23/warc/CC-MAIN-20221203075717-20221203105717-00148.warc.gz", "language_score": 0.9292669296264648, "token_count": 174, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__180807338", "lang": "en", "text": "Founded in 1968, the Plano Music Teachers Association promotes the art of music and the advancement of musical knowledge through musical activities and the appreciation of music.\nWe are affiliated with the Music Teachers National Association and the Texas Music Teachers Association.\nPolicies for members:\nRefund Policy: PMTA accepts credit cards from members in payment for fees associated with student festivals, recitals, theory tests, and teacher membership and other services provided by the organization. We do not provide refunds.\nPrivace Policy: Member information is collected in order to assist with the operation of the association. We do not disclose your personal information without your explicit consent. We do not store credit card information on our servers.\nTerms and Conditions: Fees are set by the board of the association. Members are informed annually regarding fees for all events and services.", "domain": "finance"}
{"url": "http://ipcwisconsin.com/payments/", "date": "2024-03-05T05:10:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707948217723.97/warc/CC-MAIN-20240305024700-20240305054700-00702.warc.gz", "language_score": 0.9422370195388794, "token_count": 202, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__177925242", "lang": "en", "text": "Psychotherapy Payment Options\nIndividual psychotherapy sessions with an LCSW are fifty minutes and are billed at $190 for an intake session and $150 for subsequent visits. Integrative Psychological Consultants, LLC currently accepts the following insurance:\n- Anthem/Blue Cross Blue Shield\n- Anthem EAP/Unicare\n- The Alliance\n- FEI (Employee Assistance Program for state employees)\nOut-of-pocket (not submitted to insurance) payments received in full at the time of service are eligible for a 20% discount. Sliding fee scales are available for qualified patients who can demonstrate financial need determined by income and benefit eligibility.\nCash, checks and all major credit cards are accepted.\nDid you know that many insurance providers will reimburse some portion of psychotherapy services provided by clinicians outside of their coverage network? If you are interested in this option, contact your insurance provider to determine if you are eligible to receive some coverage while working with one of our out-of-network providers.", "domain": "finance"}
{"url": "http://cameraontheroad.com/2005/08/know-before-you-go-vat-refunds/", "date": "2023-12-10T17:36:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679102612.80/warc/CC-MAIN-20231210155147-20231210185147-00352.warc.gz", "language_score": 0.9468977451324463, "token_count": 556, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__133810720", "lang": "en", "text": "Did you know that as a tourist shopping in a foreign country you can get a refund on the sales tax or VAT (Value Added Tax) on your purchases when you leave the country?\nYou can. With a minimum total purchase, often equivalent to about USD$100, made at a “tax-free” or “tourist” shop, and a form provided by the shop, many countries will refund you the amount of tax paid.\nFind out what the minimum purchase amount is in the country you are in by checking guide books or on the Internet before going. We recommend checking before you travel so you can be prepared for the process. It can be a bit of a process. Some places have rules and regulations that will make your head spin, so make sure you know what the rules are before you leave home.\nAs you are shopping, if you decide you want to make a big ticket purchase, check the front windows, door, and exterior of the shop as well as around the pay counter for a sign that indicates this shop is a VAT Refund qualified and designated shop. Some countries feature a Tax Free Shopping sign.\nWe recommend you carry a distinctive colored envelope in your pack or purse to store the paperwork you will get with each purchase. Keep it with you. Write the following information on the envelope, especially if you cannot keep your passport with you after your arrival in the country (some hotels are required to keep it for you), or you choose to leave it in the hotel’s safe deposit box.\n- Your passport number\n- Passport issue location\n- Passport issue and expiration dates\nAlways carry two pens with you for taking notes as well as filling in the forms.\nFill in all the blanks in the form. When asked if you would like a refund by mail (check), credit card, or cash, choose cash or credit card for speed and security. If you choose check or cash, upon your arrival at the airport for departure, before going to the ticket counter check with an official on how to handle the refund. Different countries and airports have different procedures.\nWe don’t offer this tip lightly. In the United States, the average sales tax on purchases is around 10% of the total purchase price. In Israel, it’s 18%. Belgim is 21%. Sweden is 25%. Italy is 20%. That adds up to a LOT of money that you can get back before leaving the country.\nAnd enjoy the savings on your trip! There’s a helpful article on Frommers about VAT Refunds, also. For more information, check with the main corporations behind international sales tax refunds in the EU at Global Refund and Premier Tax Free", "domain": "finance"}
{"url": "https://www.life4seekers.uk/", "date": "2023-10-03T20:49:12Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511220.71/warc/CC-MAIN-20231003192425-20231003222425-00356.warc.gz", "language_score": 0.9837163090705872, "token_count": 933, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__323205297", "lang": "en", "text": "There are some people that worry about lots of things and finance could be one of them. There are others that specifically worry about their finances as they are not happy about their situation. There are things though, which can be done which will help with this and it is good to have an understanding of what your options are, so that you will be able to find one that will suit you. It is good to try to work on your finances so that you have less or no reason to worry about them as well as using methods to help you to sleep better generally.\nImproving your finances\nObviously, what you need to do to improve your finances will very much depend on what is causing you concern. It might be that you are worried about having enough money for retirement, repaying a loan, covering your bills, affording your children’s university costs, or other things. There are all sorts of things that could potentially be a problem. Identifying exactly what the concern is will be the best place to start. Hopefully you will be able to do this, but sometimes it is not that easy. However, a more general approach to improving your finances could work in this case.\nIt is always wise to make sure that you are in good control of your finances. This means that you want to ensure that you can easily manage to afford everything that you need and that you do not have too many loans, particularly expensive one or ones that you are struggling to manage, that you have some savings behind you and are feeling confident about your retirement. If you are on top of all of these things then you should not have anything to concern you. However, if you are not, then it is very possible that you will have concerns.\nIt is worth carefully going through your finances to get some information together. Work out exactly what you owe, to who and what interest you are paying on your payday loans for bad credit. Work out what savings you have and investments and what interest or return you are getting on those. Find out the income you get each month and how much you spend on both necessary things and luxuries. Also look into what retirement provision you have both from the government and through any other pension schemes or things like that.\nGetting all this information can possibly be terrifying as you may find that things are even worse than you imagined but you are just as likely to find that it is better than you thought. You will not be able to try to make your situation better though, unless you know exactly where you are starting. At this point you will now be able to see what you might be able to do.\nIt could be possible that savings and investments that are not doing well could be used to repay expensive loans. You may also decide to use a portion of your income to repay loans as well. This might mean just using a small amount each month to slowly whittle away the debt. If you have no loans you might want to start paying some into a savings account, investing some or starting up a pension. It can be quite a hard decision, but even if you are only doing a little bit, it is much better than doing nothing.\nOf course, you will need extra money to be able to do this and so you will need to make changes. It is wise to not only be careful with what you are spending and prioritise carefully, but also to see whether you can earn more. This will make a big impact on your financial situation and as long as you make sure that you are using that extra money wisely, it should have a positive impact on how you feel about your financial situation.\nHopefully getting your finances in better order and having a plan for the future should help you to stop worrying so much and to sleep better. However, it could be that you will need to do a bit more to help your sleep. Make sure that you have a good sleep routine, that you wind down before bed without electronics, that you have a comfortable place to sleep and that you exercise in the day so that you are tired at night. If you still struggle then trying meditation or other relaxation methods could be useful. You may also find there are books or online resources that will give you lots of information about things that you could try to help. Often many things, such as getting into a routine or doing meditation are free as well, which can be great as if you are trying to improve your financial situation you do not want to have to pay out more money. It is best to see a GP if you are really struggling as they may be able to direct towards professional help.", "domain": "finance"}
{"url": "http://mos.uwo.ca/undergraduate/internships/for_employers/tax_credits.html", "date": "2018-11-21T16:49:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039749054.66/warc/CC-MAIN-20181121153320-20181121175320-00280.warc.gz", "language_score": 0.9501907825469971, "token_count": 186, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__46281095", "lang": "en", "text": "Tax Credits and Funding\nCo-operative Education Tax Credit\nThese are intended as guidelines only and are not intended to replace the current tax legislation.\n- The Co-operative Education Tax Credit (CETC) is a refundable tax credit available to eligible businesses that employ post-secondary students enrolled in qualifying co-operative education programs at eligible educational institutions.\n- In Ontario, the Co-operative Education Tax Credit allows you to deduct 25% - 30% of salaries, wages, and benefits to a maximum of $3,000 for each qualifying work term (4 months).\nAn eligible employer includes all corporations or unincorporated businesses with permanent establishments in Ontario subject to Ontario corporate income tax or Ontario personal income tax. Members of a partnership may share the CETC for each qualifying work placement. Limited partners are not entitled to this credit; however, the general partners of a limited partnership are entitled to share the credit.", "domain": "finance"}
{"url": "https://www.arcotgrange.co.uk/stamp-duty", "date": "2022-05-23T10:50:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-21/segments/1652662558015.52/warc/CC-MAIN-20220523101705-20220523131705-00095.warc.gz", "language_score": 0.9494187235832214, "token_count": 118, "dump": "CC-MAIN-2022-21", "global_id": "webtext-fineweb__CC-MAIN-2022-21__0__187468659", "lang": "en", "text": "WHY NOT TAKE ADVANTAGE OF THE GOVERNMENTS STAMP DUTY HOLIDAY\nOn the 8th July the Government announced a temporary holiday on stamp duty until 31st March 2021.\nThis will save buyers as much as £15,000 if they are buying a property of £500,000 or more.\nThere will be no stamp duty to pay on homes up to £500,000.\nFor homes over £500,000 stamp duty will only be paid on the amount over the £500,000 threshold.", "domain": "finance"}
{"url": "https://www.ameristarhomes.com/5-tips-to-save-for-a-down-payment/", "date": "2024-04-21T09:17:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817729.87/warc/CC-MAIN-20240421071342-20240421101342-00412.warc.gz", "language_score": 0.9414354562759399, "token_count": 395, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__89571926", "lang": "en", "text": "You’ve decided it’s time to buy your new home and you need to start saving for a down payment. The following five tips will help you get on the right track:\n1. Make sure your priorities are straight.\nPaying your rent should always be your first priority. Paying down credit card debt should be next.\n2. Automate saving money.\nDetermine how much you can save based on your current expenses. Once you determine the amount, automatically put it into your savings account. Record the savings each month as an expense. Look at it as a bill that needs to be paid.\n3. Look for money-making opportunities.\nTake a look around your home for unneeded items to sell online or in a yard sale. Or, turn your hobby into a part-time, money-making enterprise. You would be surprised at how quickly small proceeds accumulate.\n4. Keep track of your daily expenses.\nBy tracking your daily expenses, you will be able to see what you can cut back or cut out. For example, if you have free coffee at work, do you need to stop at the coffee shop every morning? Also, try paying with cash instead of using your debit or credit card. Studies have shown that people tend to spend 15 to 20% less when they pay with cash.\n5. Reduce your household expenses.\nThere are many ways to cut back on your household expenses that will help you save for a down payment more quickly. Just switching to cold water when washing clothes will save up to 90% of the energy expended in the washing cycle. Turning your hot water temperature down to 120 degrees will also help you save money.\nImplementing any of these tips can make a real difference in how quickly you can save for your new home. For more tips and help with purchasing your new home, contact us Ameri-Star Homes at 410-590-1000.", "domain": "finance"}
{"url": "http://pinaymom.org/looking-for-a-second-hand-vehicle-in-dallasfort-worth-area/", "date": "2016-10-01T18:52:03Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-40/segments/1474738663202.87/warc/CC-MAIN-20160924173743-00254-ip-10-143-35-109.ec2.internal.warc.gz", "language_score": 0.9689366817474365, "token_count": 437, "dump": "CC-MAIN-2016-40", "global_id": "webtext-fineweb__CC-MAIN-2016-40__0__149863793", "lang": "en", "text": "My husband and I planning to get another car for the family. We have a mini-SUV car already but with the never ending going up prices of gasoline we’re deciding to buy a smaller car this time. According to my husband, small car means small consumption of gasoline specially if we will use it as our everyday commuting car going to our work of place. We will just use our mini-SUV during weekends and for our long trip vacations. Without a doubt, I’m giving all my faith and trust to my hubby when the topic is about cars. However, he’s giving me the freedom to choose the car I want.\nWhile searching for some used cars online, Google brought me to Auto USA. A Dallas-based user car dealer with over 50 solid years of serving the residents of Dallas/Fort Worth area. My husband and I browsed through their inventories and we’re actually surprised when we saw some of the cars that are on our list of choices.\nMy only worries when buying a second hand vehicle is the history of the car. Who used it, how it was used and what were the maintenance done on it. Good thing Auto USA Texas has what they call AutoCheck – an history report on every vehicle. For peace of mind, it is much better if you can have the vehicle inspected for mechanical faults by an expert. Bring a friend if you can!\nIf you are buying on a credit, AutoUSA offers financing options. In fact,they can finance individuals with damaged credit! And they’ve been doing this for the past 50 years helping their clients in securing used car financing, with history of bad credit or not. It’s mentioned in their website their in-house financing is available to those who are based in Dallas/Fort Worth area. By all means, those who prefer to pay in cash and other ways of financing are very much welcome to buy from them. Better visit their branches to check your options.\nAutoUsa has used cars Irving, TX branch. If you are within the area, you can find their office at 1316 East Irving Blvd.", "domain": "finance"}
{"url": "https://www.escapefromquarantine.com/the-coronavirus-effect-on-economic/covid-19-changed-spending-habits/", "date": "2024-03-01T13:49:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947475311.93/warc/CC-MAIN-20240301125520-20240301155520-00221.warc.gz", "language_score": 0.9415656924247742, "token_count": 1051, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__35400741", "lang": "en", "text": "The COVID-19 pandemic has been an unprecedented global event that has shaken economies and societies to their core. Beyond the immediate health crisis, the pandemic triggered a profound transformation in consumer behavior, reshaping how people spend, save, and invest their money. With lockdowns, social distancing measures, and economic uncertainties becoming the new norm, consumers rapidly adapted to a new way of life, leading to drastic changes in their purchasing patterns and preferences.\nShifts in Spending Patterns\nSurge in Demand for Essential Goods and Services\nThe outbreak of the COVID-19 pandemic brought about an unprecedented surge in demand for essential goods and services. As the virus spread and governments imposed lockdowns and restrictions, consumers rushed to stock up on groceries, household essentials, and healthcare products. Panic-buying led to temporary shortages of certain items, highlighting the significance of these products in our daily lives. Moreover, the increased focus on health and hygiene during the pandemic resulted in a rise in demand for personal protective equipment (PPE) and sanitization products. This shift in spending not only impacted consumer behavior but also placed immense pressure on supply chains to adapt to the sudden changes.\nDecline in Non-Essential Spending\nConversely, the pandemic saw a significant decline in non-essential spending as travel plans were canceled, leisure activities were restricted, and consumers tightened their belts amid financial uncertainties. Luxury items, such as high-end fashion and accessories, experienced a sharp decrease in demand as people prioritized saving over indulgence. Restaurants, bars, and entertainment venues suffered as people practiced social distancing and opted for home-cooked meals and online entertainment. This shift in spending had a profound effect on industries that heavily relied on discretionary income, leading to temporary closures and job losses in certain sectors.\nThe Reshaping of Retail\nChallenges Faced by Brick-and-Mortar Retailers and Their Responses\nThe COVID-19 pandemic delivered a harsh blow to brick-and-mortar retailers, forcing them to confront unprecedented challenges. With widespread lockdowns and social distancing measures, foot traffic in physical stores plummeted, leading to a sharp decline in sales. Many retailers faced the difficult decision of temporarily closing their doors to safeguard public health, which further impacted their revenue streams. However, amidst these challenges, resilient retailers adapted to the situation by swiftly embracing e-commerce solutions, offering online ordering, and implementing contactless pickup options. Some even diversified their product offerings to cater to the new demands arising from the pandemic. Though the road to recovery has been arduous, these responses have proven essential for brick-and-mortar retailers to remain connected to their customers and navigate the changing retail landscape.\nSurge in Popularity of Contactless Payments and the Decline of Cash Transactions\nThe fear of virus transmission through physical contact prompted a remarkable surge in the popularity of contactless payments during the pandemic. Customers sought safer alternatives to cash transactions, and retailers swiftly responded by adopting contactless payment options. Whether through tap-and-go credit cards or mobile payment apps, contactless transactions provided a hygienic and efficient shopping experience. As a result, the use of cash significantly declined, with many establishments encouraging electronic payments. This shift not only accelerated the digitalization of retail but also signaled a potential long-term transformation in the way consumers handle transactions, ushering in a new era of seamless and secure payment methods.\nThe Emotional Aspect of Consumer Behavior\nPsychological Factors Influencing Consumer Behavior During the Pandemic\nThe COVID-19 pandemic triggered a whirlwind of emotions across the globe, and these emotions significantly influenced consumer behavior. As people grappled with fear, uncertainty, and stress, their buying decisions were shaped by a complex web of psychological factors. One such factor was the need for a sense of control amid chaotic circumstances. Consumers sought products and services that provided a feeling of security and stability, leading to increased demand for essential items and health-related products. Moreover, the psychological phenomenon of social proof played a crucial role in consumer behavior during the pandemic. The fear of missing out and the desire to conform to societal norms drove people to make certain purchases, such as stockpiling goods or investing in trending products. Understanding these underlying psychological factors allowed businesses to tailor their marketing strategies and offerings to resonate with consumers on a deeper level.\nHow Fear, Uncertainty, and Changing Priorities Affected Buying Decisions\nFear of the unknown and uncertainties about the future profoundly impacted consumer buying decisions during the pandemic. The fear of contracting the virus led consumers to prioritize health and hygiene, resulting in a surge in demand for masks, sanitizers, and health supplements. Uncertainty surrounding job security and financial stability led to a more cautious approach towards spending, with consumers cutting back on non-essential purchases. Additionally, changing priorities became evident as consumers reassessed their values and lifestyles. Sustainability, community support, and ethical considerations gained prominence in buying decisions, prompting brands to align with these evolving consumer values. Acknowledging and empathizing with consumers’ emotions and shifting priorities became essential for businesses aiming to remain relevant and build lasting connections.", "domain": "finance"}
{"url": "https://wecaraboutyou.com/insurance/life", "date": "2023-03-30T07:30:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296949107.48/warc/CC-MAIN-20230330070451-20230330100451-00133.warc.gz", "language_score": 0.9521837830543518, "token_count": 239, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__82815244", "lang": "en", "text": "Life Insurance in and around Lock Haven\nWould you like to create a personalized life quote?\nBE THERE FOR YOUR LOVED ONES\nTaking care of those you love is what keeps you going every day. You advise them on important decisions, go to work to provide for them, and take time to plan for the future. That includes getting the proper life insurance to care for them even if you can't be there.\nLock Haven CHOOSES LIFE INSURANCE FROM STATE FARM\nYou’ll get that and more with State Farm life insurance. State Farm has fantastic policy choices to keep your loved ones safe with a policy that’s personalized to match your specific needs. Thankfully you won’t have to figure that out alone. With strong values and outstanding customer service, State Farm Agent Cara Montarsi walks you through every step to provide you with coverage that covers your loved ones and everything you’ve planned for them. More people choose State Farm® as their life insurance company over any other insurer. Are you ready to experience what the State Farm brand can do for you? Call or email State Farm Agent Cara Montarsi today.", "domain": "finance"}
{"url": "https://planetscotland.teclan.org/index.php/2021/03/24/twist-in-offshore-lease-auction-could-see-huge-public-funds-windfall-amid-industry-concerns/", "date": "2022-12-03T22:19:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710941.43/warc/CC-MAIN-20221203212026-20221204002026-00830.warc.gz", "language_score": 0.9502021670341492, "token_count": 1491, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__52695186", "lang": "en", "text": "SCOTTISH Renewables says the next Holyrood government must work to ensure the wind power industry can to remain competitive after the initial auction price for offshore development leases skyrocketed by up to ten times the original estimates.\nThe rise in costs could deliver an unexpected windfall of millions of pounds more income for public funds, but raises other questions over what it means for developers who were ready to bid and ultimately customer pricing.\nCrown Estates Scotland, which managed leasing of seabeds, had been ready to lease 15 of them at around £10,000 per square kilometer with a clutch of developers ready with their bids until the process was paused a month ago.\nBut it has been extended and the potential price increased to a top tier of £100,000 per square kilometer after a surge in pricing for a similar process in waters off England and Wales which will realise close to £900m a year for Crown Estates over the next decade.\nThe open auction there saw BP and other bidders pay well above what had been anticipated in their own drive for new revenue streams as they slowly begin to pivot from fossil fuels under pressure from environmental groups, politicians and shareholders.\nThat in turn saw Crown Estates Scotland pause their own process fearing it could lead to them missing out on potentially hundreds of millions of pounds in potential revenue.\nToday it was announced the auction has been re-opened, but with the new pricing parameters and other changes around supply chain commitments (which rise from 10% to 25%) in place for the 8600km2 available.\nThe original process opened on January 15 and was supposed to end on March 31. A new closing date has been set for July 16 with updates on the scheme at the end of next month.\nClaire Mack, CEO of Scottish Renewables which is currently hosting its annual conference, said it would be up to members to decide whether they thought the new price is one worth paying to safeguard jobs and achieve net zero targets.\nShe said: “The importance of the ScotWind Leasing process to the delivery of an offshore wind industry which can support thousands of jobs and our net-zero target should not be underestimated.\n“Industry always understood the reasons for this delay and we are pleased that Crown Estate Scotland has delivered these changes within a matter of weeks, keeping the process on track for the majority of Scottish Renewables members who have already spent thousands of hours and millions of pounds getting ready to bid for the seabed leases they need to build their projects.\n“It is now for those individual developers to decide if the new price of these leases reflects their assessment of the value of the contracts which they will need to secure from the UK Government.”\nShe added: “Scottish Renewables and its members are already working to increase the competitiveness of supply chain businesses.\n“We will continue to work with Crown Estate Scotland and the next Scottish Government to ensure that support for the supply chain is strategically focussed in a way that enhances the competitiveness of the widest-possible range of businesses, based on evidence provided by a number of ongoing assessments, not least through the Scottish Offshore Wind Energy Council, in which industry, government and its agencies play an increasingly-important role.”\nRenewable energy, and wind in particular, are seen as key drivers for a green new deal and economic recovery, already supporting more than 25,000 jobs with hopes that this could at least triple in just a few years, particularly in areas facing rising unemployment owing to geography.\nOption fees are paid by successful applicants to Crown Estate Scotland in exchange for securing the rights to areas of seabed that have been identified as suitable for development in Marine Scotland’s Sectoral Marine Plan.\nFunds will be returned to the Scottish Government for public spending to drive the green recovery and help deliver government priorities.\nAT A GLANCE\n- ScotWind Leasing will keep the same basic pricing structure for option agreements.\n- The previous maximum fee that might be paid was £10,000 per km2 of seabed. This will now be increased to a maximum of £100,000 per km2.\n- The threshold of Supply Chain Development Statement commitments that applicants must meet to request a lease has been increased from 10% to 25%.\n- Further change of control provisions will apply to resale of options awarded.\n- Additional technical information will be published by the end of April to allow registered applicants to progress their interest in ScotWind Leasing.\n- The Closing Date for applications will be 16 July 2021.\nAnnouncing the changes Amanda Bryan, Chair of Crown Estate Scotland, said: “This rapid review was undertaken to reflect the recent changes we have seen in the UK offshore wind market so that we could arrive at a pricing structure which properly reflects those changes.\n“Throughout the development of ScotWind Leasing we have sought to secure best value for communities and help place Scotland as a competitive destination for the investment needed to turn potential projects in to reality.\n“This review achieves both of these goals.\n“We look forward to working with the offshore wind sector to realise the benefits of offshore wind for Scotland’s communities and for the environment.”\nCabinet Secretary for Environment, Climate Change and Land Reform, Roseanna Cunningham, said she was grateful for the changes being implemented quickly.\nShe said: “The Scottish Government’s climate change plan requires a zero carbon electricity system by 2030 – maximising offshore wind’s contribution will be vital to achieving this and therefore is a key priority for this government.\n“ScotWind will support the continuing growth and expansion of this technology, harnessing this huge resource for our energy system and helping to unlock significant investment in the supply chain to create more green jobs across the sector, while seeking to achieve a fair value for Scotland’s assets.\n“We know how keen the industry are to start developing and delivering projects, which is why I thank Crown Estate Scotland for undertaking this rapid review of pricing options and setting out their next steps in a timely manner which enables the developers to move forward.”\nMinister for Energy, Connectivity and the Islands, Paul Wheelhouse, said the process could lead to Scotland delivering a “world leading” industry, particularly around floating offshire capabilities.\nHe said: “The ScotWind leasing round is critical to the delivery of a strong and vibrant offshore wind sector in Scotland that can be world-leading, particularly in the delivery of floating offshore wind technology.\n“Scotland is uniquely placed to capitalise on this technology and grow an industry that not only provides electricity, but facilitates the growth of a hydrogen economy as well.\n“Today’s announcement from Crown Estate Scotland balances the increasing value and demand for Scottish seabed with the need to secure a strong offshore wind supply chain which can power our green recovery from COVID-19 and help us meet our net zero target. I thank Crown Estate Scotland for completing their rapid review and look forward to the timely resumption of the ScotWind process.”\nThe auction sites include areas around Islay, Shetland, Orkney, Lewis, Moray and larger sites that lie off the Angus and Aberdeenshire coasts.", "domain": "finance"}
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{"url": "http://www.chiuderemorini.net/author/lontoll/", "date": "2019-03-23T22:54:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912203093.63/warc/CC-MAIN-20190323221914-20190324003914-00302.warc.gz", "language_score": 0.96326744556427, "token_count": 1421, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__139846031", "lang": "en", "text": "If you work as an employee and have irregular income, you may think that our options for getting loans for freelancers are very small. However, Green-Touch for business loans will allow us to obtain financing.\nWhat financing products for the self-employed exist?\nPeople who work on their own account have it more complicated to obtain financing , since their income is somewhat more unstable than those of employees or pensioners, for example. However, we must bear in mind that if we already have a professional career as self-employed, it will probably be easier for us to be granted capital. On the other hand, if we are new entrepreneurs, it will be necessary for us to have a great idea that is profitable, viable and attractive to get them to finance us.\nHowever, we have several options to obtain extra liquidity, since the supply of business loans for this sector of the population has grown a lot during the last years. Currently, these are the products that we can contract if we need to finance a particular project or our business in its entirety:\nFinancing for self-employed personal projects\n- Mini online loans : with these products we can get money amounts of around 1,000 euros (in some cases, even exceed them reaching 1,200 euros) in a matter of minutes and with a refund period of 30 days in a single share. They have an average price of 1.1% daily. They are designed to solve unforeseen events and we can access them even if we do not have a payroll.\n- Personal loans for projects : if we need liquidity to finance a particular project, we can request this type of products that will allow us to finance the good or service that we want. The granting of the money will depend on the income we receive, that is, that they are sufficient, justifiable and regular.\n- P2P Loans : it is one of the most innovative means of financing and we can request them both to finance our business and to obtain money at a particular level. These are virtual platforms that put users in contact with financing, with people who are willing to invest to make their savings profitable. First, the person seeking funding publishes his project and the amount he needs. Then, the platform analyzes its situation and determines a level of risk that will translate into interest, that is, a higher level of risk, plus interest. Finally, investors will decide if they want to invest in our project or not.\nEach of these types of loans have different characteristics and have been designed for different purposes, so it is convenient to compare the different offers and conditions to request the one that best meets our needs and adapts to our situation.\nLiquidity to invest or pay business bills\n- Lines of credit for self-employed workers : these are loans created with the specific purpose of financing small businesses. We can find these products both in private equity companies, as in banks, although these will require us to comply with more rigid requirements.\n- Loans for self-employed workers and SMEs: these are products designed to invest money in a business project and we can request them from public institutions and banks.\n- Credits with mortgage guarantee : these are loans with which we can get very large amounts of money (depending on the assessment made of our home) and that do not require us to justify the purpose for which we want to use it. However, before applying for one of these loans, it is important that we are aware of the risk to which we expose ourselves in case of default.\nDepending on the amount of money we need, our profile and the situation in which we find ourselves, we will need to request a type of financing for self-employed or another. It is important that before requesting a product or another, we make sure that we meet the necessary requirements and that we will be able to fulfill the conditions to which we commit ourselves.\nCredit requirements for self-employed workers\nIf we want to obtain financing for self-employed workers, the requirements that will be demanded will vary depending on the entity and the type of loan we request. If we go to banks, generally, we will submit to stricter conditions. In general, these will be the demands that we will have to meet to get money if we are autonomous:\n- Being of age : being 18 years old will be essential, although in some cases we may be required to have 21 or even 25 years to access the financing if we work on our own.\n- Live in Spain permanently: it will be necessary to prove that we reside in the country by presenting the DNI, NIE or passport.\n- Enjoy a reasonable, sufficient and justifiable income: they will pay close attention to this requirement since when working on their own we do not have the same stability as if we received a monthly payroll. For this reason, we will have to justify by means of an official document that our compensation amounts to a sufficient amount for the entity and that we receive them constantly.\n- Not be registered in any default file: if we are part of a delinquency list, such as ASNEF or RAI, our options to obtain financing for self-employed workers will be considerably reduced.\nIf we decide to apply for financing for self-employed people in a bank, we will probably be required to contract related products and have Social Security domiciled in the entity. In addition, the requirements that will require us will be stricter and we probably have to invest time in paperwork and travel , but if we are old customers and have a good track record, surely, we can benefit from several advantages such as a lower interest rate, more flexibility in the terms of return or the absence of commissions or links.\nDocuments to hire financing being autonomous\nAt the moment of borrowing money we will have to fill in a form with our personal and economic data. So that the entity can verify the information that we have sent to it, it will ask us to attach certain documents. Most companies and banks will require us to present the following documents if we work for someone else:\n- A photocopy of our identity document NIE, NIF or passport\n- Photocopy of the declaration of the rent and our patrimony\n- Photocopy of our registration number as self-employed\n- A proof of the income we receive\n- A document showing the seniority of our company\n- The last payment we made to Social Security\nBefore sending the documentation, it is essential that we make sure that the documents are perfectly legible and not wrinkled. Otherwise, the financial institution will ask us to resubmit the papers, which would considerably slow down the entire process.\nIf we go to a bank and we are already customers, we can also take advantage of certain advantages, for example, we can avoid sending as much documentation and we will lighten the application process. In the case of private entities, many of them include services such as Instantor, which will allow us to validate our data automatically and instantly.", "domain": "finance"}
{"url": "https://www.mwcafrica.com/agenda/session/addressing-the-state-of-business-to-business-payments-in-africa", "date": "2023-03-23T18:38:48Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296945182.12/warc/CC-MAIN-20230323163125-20230323193125-00607.warc.gz", "language_score": 0.9718652367591858, "token_count": 277, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__173157269", "lang": "en", "text": "According to the World Bank, B2B payments in Sub-Saharan Africa represents a $1.5 trillion market. However, the process of making and receiving payment remains largely manual, which makes it expensive and highly inefficient for businesses. Invoices are also not standardised and they are typically issued and received manually, which increases the administrative burden on business owners, taking more time and effort that can be invested into their businesses.\nA recent report from Duplo which included the surveyed opinions of more than 1,000 business owners from Kenya, Nigeria, South Africa and Egypt also highlighted that 44 percent of businesses still have to wait more than 24 hours to receive payments from business customers and partners. 34 percent take up to 7 days to receive payments, 17 percent take up to 30 days and 3 percent take more than 30 days to receive business payments. This presents a significant challenge for businesses who are often unable to maximise sales and growth opportunities available to them due to cash flow restrictions induced by complex payment processes.\nThis presentation will explore:\n- An in-depth review of the current state of B2B payments in Africa\n-- Payment methods and processes across countries and sectors\n- Beyond digitisation, what do African businesses need to improve their payment processes\n- A case study of the impact Duplo is having on B2B payments in Africa", "domain": "finance"}
{"url": "http://canterburytales.org.uk/groups/group-booking-form", "date": "2016-02-13T04:29:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-07/segments/1454701166141.55/warc/CC-MAIN-20160205193926-00314-ip-10-236-182-209.ec2.internal.warc.gz", "language_score": 0.9371159076690674, "token_count": 110, "dump": "CC-MAIN-2016-07", "global_id": "webtext-fineweb__CC-MAIN-2016-07__0__163534292", "lang": "en", "text": "Payment must be made in advance of your visit. Full details on payment requirements will be sent to you with your booking letter or can be found in the Terms and Conditions\nThe Canterbury Tales accepts cash and cheques (in sterling), Switch, Mastercard and Visa. For regular customers, payment can be made direct via BACS if arrangements are made in advance.\nCheques should be made payable to Heritage Projects (Canterbury) Limited. Credit and voucher facilities are only accepted when a written agreements is established in advance of your visit.", "domain": "finance"}
{"url": "http://www.iogturfcare.com/?page_id=848", "date": "2021-05-11T23:39:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-21/segments/1620243990419.12/warc/CC-MAIN-20210511214444-20210512004444-00456.warc.gz", "language_score": 0.9550865292549133, "token_count": 433, "dump": "CC-MAIN-2021-21", "global_id": "webtext-fineweb__CC-MAIN-2021-21__0__36976866", "lang": "en", "text": "Landmark ECB Funding deal\nThe England and Wales Cricket Board (ECB) is this year ploughing a massive £460,000 of support into the Institute of Groundsmanship (IOG) to co-fund a Fine Turf Project Manager and a major joint research programme.\nThis substantial cash injection reflects how the IOG is increasingly being recognised by cricket grounds managers as the first port of call for fine turf technical help and advice.\nIn addition, because the financial backing for the research project has been made with support from ECB/Sport England, the IOG has now taken another substantial step forward in achieving the Training and Education targets laid down in its Challenging Perceptions strategic plan. This outlined the IOG’s intention to invest, with partners, at least £500,000 over the next six years via its 2012 Fund.\nThe Fund – which will be targeted at projects that have the potential to benefit individual grounds managers, the wider industry and lead to better quality playing surfaces – will include this ECB and Sport England project, which has yet to be defined.\nCommenting on the announcement, Bruce Cruse, ECB Facilities & Funding Manager, said:\n“The ECB contribution towards the appointment of an IOG FineTurf Project Manager formally recognises the natural role that is being played by the IOG in providing help and advice to an increasing number of cricket grounds professionals and volunteers. The cash will ensure this function is resourced correctly and continues to provide a much-needed and highly professional service for this growing area of IOG membership.\n“The £40,000 being provided with support from Sport England will help towards a major research project which will have lasting benefits for the quality of cricket grounds and, therefore, it will contribute greatly towards improved standards throughout the sport.”\nGeoff Webb, IOG chief executive, said: “Our excellent ongoing relationship with the ECB has been further endorsed by these generous co-operative gestures, and I am pleased to see that we are already starting to reach some of the signposts laid down last year by our Challenging Perceptions strategy.”", "domain": "finance"}
{"url": "https://chambermusichawaii.org/tax-wise-ways-to-give-to-chamber-music-hawaii/", "date": "2021-06-14T08:54:24Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-25/segments/1623487611641.26/warc/CC-MAIN-20210614074543-20210614104543-00558.warc.gz", "language_score": 0.9556934833526611, "token_count": 462, "dump": "CC-MAIN-2021-25", "global_id": "webtext-fineweb__CC-MAIN-2021-25__0__50336368", "lang": "en", "text": "Tax-wise Ways to Give to Chamber Music Hawaii\nMake a Gift at Reduced Cost with Appreciated Securities\nIf you have stock or mutual funds that you have owned for more than one year, that pay you little or nothing, but are worth more than you paid for them, contributing some of these securities to CMH may help you save on your taxes with little impact on your current income. Giving appreciated securities directly to charities instead of cash can result in a double tax benefit that reduces the cost of your gift:\n- a federal income tax deduction for the full fair market value, if you itemize deductions\n- no tax owed on the capital gain you would pay if you sold them\nIf you like, you can use the cash you would have donated to repurchase the securities and enjoy a higher cost basis.\nTo make a gift of securities, please have your broker contact Audra Stevenson at Merrill Lynch at 808-525-7302 for instructions.\nGiving from an IRA\nIf you are 70½ or older and have an individual retirement account (IRA), you have to take a required minimum distribution from the account every year, which is taxable income to you. Alternatively, you can authorize charitable gifts directly from your IRA to one or more charities, like CMH, and have those charitable gifts count as part of your required minimum distribution, but not as taxable income to you. This is a very tax-wise way to make your charitable contributions, especially if you don’t itemize deductions on your tax return.\nThe annual limit for an individual to give to charities in this way is $100,000. These charitable distributions must go directly from your IRA to the charities. If you withdraw the funds yourself and donate them, they will count as income to you and could increase your taxes. Therefore, please ask your account administrator to send your contributions directly to the charities you wish to support.\nFor CMH the address is: General Manager, Chamber Music Hawaii, P.O. Box 61939, Honolulu, HI 96839.\nThank you very much for considering support for CMH!\nThis information is not intended as tax or financial advice. We recommend that you always discuss charitable gifts with your advisors to help you decide what is best for you.", "domain": "finance"}
{"url": "http://questaenergy.com/investors.html", "date": "2017-10-19T23:53:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2017-43/segments/1508187823482.25/warc/CC-MAIN-20171019231858-20171020011818-00046.warc.gz", "language_score": 0.9516226649284363, "token_count": 476, "dump": "CC-MAIN-2017-43", "global_id": "webtext-fineweb__CC-MAIN-2017-43__0__205868944", "lang": "en", "text": "Questa Energy Corporation is continually developing oil and gas projects primarily in the Mid- Continent region. Questa retains a substantial equity position in most projects, and the remaining interests are offered to knowledgeable investors and industry participants. A typical project is developed by securing acreage based on specific geologic conditions. A prospectus can be created once the acreage is secured. The prospectus may include a geologic, land, and engineering summary, geologic and land maps, an estimate of costs in the form of an Authority for Expenditure (AFE), a participation agreement and joint operating agreement (JOA).\nExploration efforts are concentrated in niche areas where we can utilize our local knowledge and expertise. Projects range from horizontal drilling and aquisition programs in the Texas Panhandle and Oklahoma to vertical drilling programs in Western Kansas. Questa minimizes its drilling risk in its Western Kansas drilling programs by utilizing 3-D seismic, along with other proprietary technologies. We have participated in an extensive number of 3-D projects and rely on our experience, expertise and analogs in new project development. We require adequate data to be able to analyze prospective acreage for a potential drilling location to insure a quality reservoir capable of producing substantial quantities of oil and gas. Projects target long life reserves (15-20 years+) and quick pay-outs (36 months or less) and rates of return are expected to be no less than 20%.\nDirect participation in oil and gas is for the risk tolerant investor. Oil and gas investment provides an inflation hedge, as well as diversity to an equity investment portfolio.\nDirect participation in oil and gas can generate several tax benefits. These benefits range from large up front deductions for intangible drilling costs (IDC), to tax credits for the development of certain types of tight formations. Deductions are generated mainly from the cost of nonsalvageable equipment or services conducted during the drilling phase, testing, and/or completion of the well.\nAs is evident from this discussion, the tax benefits generated by a direct participation in oil and/ or natural gas are substantial. The immediate deduction of the intangible drilling costs or IDCs is very significant, and by taking this up front deduction, the risk capital is effectively subsidized by the government by reducing the participant's federal and possibly, state income tax. Each individual participant of course, should consult with their tax advisor", "domain": "finance"}
{"url": "https://thegroundlevelinc.com/blogs/news/why-do-daycare-centers-fail", "date": "2023-01-28T04:03:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499470.19/warc/CC-MAIN-20230128023233-20230128053233-00214.warc.gz", "language_score": 0.9378237128257751, "token_count": 712, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__47080072", "lang": "en", "text": "April 12, 2021\nIn today's business environment, a daycare center seems like a stable enterprise. As parents return to work, children need to be looked after.\nDaycare centers provide an all-day reliable service for busy parents. And, these facilities help children learn and socialize in a safe environment.\nIn the United States, the childcare industry creates a combined revenue of more than 21 billion USD. And, there are more than 54,000 daycare facilities across the country. Even with this promising data and need for the service, why do daycare centers fail?\nFailing daycare centers can happen to new or old businesses. This is the result of many factors: lack of expertise, unwillingness to change or grow, or financial issues. Read on to learn (and avoid) these reasons why daycare centers fail.\nLike any business, a daycare center's priority (besides childcare safety) is profitability. To be profitable and avoid daycare center mismanagement, business leaders must be knowledgeable.\nManagement needs to have the know-how to run your center. This includes accounting, marketing, and much more. Daycare centers can fail because of this lack of business acumen.\nConsider investing in yourself or your employees to improve expertise. Books, podcasts, or business coaching can add value to your business and help maintain profitability.\nIn times of COVID-19, daycare centers have faced tremendous strain on business operations and contracting new clients. You may have shifted your business model and adopted new hygiene processes that weigh on your bottom line.\nBut, some poorly run daycare centers are not taking these changes and new restrictions seriously. In turn, parents are not willing to trust these facilities to take care of their children.\nConsider COVID-19 restrictions as a way to instill trust and reputability in your clients. Adapting to this \"new normal\" helps you avoid the disappointment of a closed-down daycare center.\nAre you buying inventory for your daycare business? To avoid a business failure, it is important to buy quality products.\nFor example, The Ground Level Inc. toddler cot sheets are affordable but do not sacrifice quality. These sheets are made of excellent fabric and are long-lasting.\nQuality inventory can help differentiate your business in terms of marketing. And, long-lasting items will save your business money over time.\nDo parents pay you on time? Have you missed a monthly bill payment? Do you have a budget for your business?\nManaging your finances is key to avoiding a daycare business failure. While a business advisor or accountant can help, it is important that you are tracking your own balance sheet and cash flows. A monthly business audit can help reveal impending financial issues like overspending, missed payments, or invoices.\nSo, why do daycare centers fail? It comes down to making poor business decisions. Whether you have been in business for years or just opened, bad decisions like financial mismanagement will cost you clients and stability.\nRemember, the daycare industry is a booming industry. Avoiding these missteps can help you maintain your business and profitability long-term.\nIf you are looking for more ways to add value to your business, contact The Ground Level Inc to learn more or purchase our products. Our Made in America childcare items can add quality to your daycare center.\nComments will be approved before showing up.\nAugust 30, 2021\nAugust 26, 2021\nJuly 29, 2021", "domain": "finance"}
{"url": "https://www.fgb.com/wills-trusts-and-estates/", "date": "2023-02-04T13:00:38Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764500126.0/warc/CC-MAIN-20230204110651-20230204140651-00770.warc.gz", "language_score": 0.9350489377975464, "token_count": 182, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__171477063", "lang": "en", "text": "The following attorneys practice in the Estate Planning and Administration Practice Group:\nOur Firm has a large estate planning practice which includes everything from the preparation of basic wills and trusts to the preparation of complex, tax-motivated estate plans for high net worth individuals and their families.\nWe recognize that every person’s and every family’s situation is unique, so we take care to develop a personalized estate plan for each client. Our estate and trust administration services include advice regarding after-death income and estate tax planning, disclaimer planning, valuation discount planning and the preparation and filing of federal and state estate tax and income tax returns.\nEstate planning techniques our Firm may utilize include:\nThrough the use of state-of-the-art computer software, we administer over 100 estates, trusts, charitable remainder trusts, and private foundations.\nFGB also handles IRS audits of federal estate tax returns.", "domain": "finance"}
{"url": "https://uprove.tech/portfolio/executive-coaching-consulting-conversebank/", "date": "2024-02-26T11:38:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474659.73/warc/CC-MAIN-20240226094435-20240226124435-00252.warc.gz", "language_score": 0.9288434386253357, "token_count": 301, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__32209983", "lang": "en", "text": "Customer: ConverseBank is a leading Armenian bank with a strong position in the country’s banking sector. Established in 1993 as a “North -Armenian” joint stock Bank and rebranded as ConverseBank in 1994, it offers comprehensive financial services to individuals and businesses. Being a part of the global company, Corporacion America, the bank undergoes continuous development based on global market needs. Throughout its digital transformation journey, ConverseBank has prioritized the seamless integration of technology into its services, aiming to provide customers with convenient and efficient banking experiences. The bank constantly works toward leveraging cutting-edge digital tools, to ensure that its customers can access their financial services anytime, anywhere.\nProvisioned Service: With ConverseBank, our objective is to empower the team of C-Suite executives by instilling the necessary mindset and knowledge to effectively address challenges in the fintech world, enabling them to emerge as leaders in the digital financial services era. To accomplish this, we begin by focusing on what we consider to be the fundamental element of Agile mindset. In financial industries, a rigid and fixed mindset is often prevalent, so we collaborate closely with the executives to shift their perspective towards an Agile mindset. Additionally, we provide comprehensive tailored training sessions about Agile Project Management and Digital Transformation, tailored specifically to the executives, equipping them with the essential tools and techniques required to navigate the ever-evolving landscape of digital financial services and fintech.", "domain": "finance"}
{"url": "https://trezor-welett.gitbook.io/us", "date": "2024-04-23T10:29:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818474.95/warc/CC-MAIN-20240423095619-20240423125619-00268.warc.gz", "language_score": 0.9029021859169006, "token_count": 777, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__35912742", "lang": "en", "text": "Trezor Wallet: Safeguarding Your Cryptocurrency Assets\nIn the ever-evolving landscape of cryptocurrency, security and control over digital assets are paramount. Trezor Wallet emerges as a pioneer in providing users with a secure, user-friendly solution to store, manage, and transact cryptocurrencies. In this comprehensive guide, we explore the features, benefits, and functionalities of Trezor Wallet, empowering users to make informed decisions about their digital asset management.\n1. Introduction to Trezor Wallet\nTrezor Wallet is a hardware wallet developed by SatoshiLabs, designed to provide users with a secure and intuitive way to store and manage their cryptocurrencies. It offers an offline storage solution, keeping users' private keys safe from online threats such as hacking and phishing attacks.\n2. Key Features of Trezor Wallet\nHardware Security: Trezor Wallet utilizes cutting-edge hardware security features to protect users' private keys and digital assets. It stores private keys in a secure element, inaccessible to unauthorized parties, ensuring the highest level of protection against theft and fraud.\nUser-Friendly Interface: Trezor Wallet features an intuitive user interface that simplifies the process of managing cryptocurrencies. With its easy-to-navigate dashboard, users can easily view their account balances, send and receive transactions, and manage their portfolio with ease.\nMulti-Currency Support: Trezor Wallet supports a wide range of cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and more. This versatility allows users to store and manage multiple digital assets in a single wallet, streamlining their portfolio management process.\nBackup and Recovery: Trezor Wallet offers robust backup and recovery options, ensuring that users can securely access their funds even in the event of a lost or damaged device. Users can generate a recovery seed during the setup process, enabling them to restore their wallet on a new device if necessary.\n3. Benefits of Using Trezor Wallet\nEnhanced Security: With its offline storage solution and advanced encryption features, Trezor Wallet provides users with unparalleled security for their digital assets. By keeping private keys offline, users are protected from online threats such as hacking and malware attacks.\nComplete Control: Trezor Wallet gives users complete control over their cryptocurrencies, allowing them to manage their funds independently without relying on third-party custodians. This decentralized approach ensures that users are the sole custodians of their assets, mitigating counterparty risk.\nEase of Use: Despite its advanced security features, Trezor Wallet remains incredibly user-friendly, making it accessible to both novice and experienced cryptocurrency users. Its intuitive interface and straightforward setup process enable users to start managing their digital assets with minimal hassle.\n4. Getting Started with Trezor Wallet\nGetting started with Trezor Wallet is a straightforward process:\nHardware Setup: Users need to purchase a Trezor hardware wallet and follow the setup instructions provided. During the setup process, users will generate a recovery seed, which is essential for restoring their wallet in case of emergencies.\nWallet Initialization: Once the hardware wallet is set up, users can initialize their Trezor Wallet using the Trezor Bridge software. This software allows users to interact with their hardware wallet and manage their cryptocurrencies securely.\nUsing Trezor Wallet: With their Trezor Wallet initialized, users can start sending and receiving cryptocurrencies, managing their portfolio, and exploring additional features such as password management and two-factor authentication.\nTrezor Wallet stands as a beacon of security and usability in the cryptocurrency space, offering users a reliable solution to safeguard their digital assets. With its advanced security features, user-friendly interface, and multi-currency support, Trezor Wallet empowers users to take control of their financial sovereignty and navigate the world of cryptocurrencies with confidence.", "domain": "finance"}
{"url": "http://www.villa-piccolo-mondo.ch/en/belegung-preise.html", "date": "2023-09-22T05:53:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506329.15/warc/CC-MAIN-20230922034112-20230922064112-00569.warc.gz", "language_score": 0.933627724647522, "token_count": 129, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__291643046", "lang": "en", "text": "The price is a flat rate including kitchen towels, children's bed, WLAN and parking.\nFinal cleaning, bed linen and tourist taxes must be paid separately.\nCleaning Apartment:CHF 90.-\nBed linen per bed:CHF 15.-\nTourist tax per night and person (older than 14 years):CHF 2.00\nFor two weeks and more, we grant a discount of CHF 100.-\nThe booking calendar is available on the website in German language.\nDuring the low season individual nights can be booked. Minimum are 2 nights.\nDuring the peak season is always charged a whole week.", "domain": "finance"}
{"url": "https://voltaire.vc/en/", "date": "2024-02-27T21:48:55Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474686.54/warc/CC-MAIN-20240227184934-20240227214934-00666.warc.gz", "language_score": 0.9312428832054138, "token_count": 827, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__204135237", "lang": "en", "text": "«We are a team of professionals specializing in business law and insolvency management. Relying on our experience, attention to detail and fresh insight, we offer sensible, informed solutions that enable favourable outcomes to be achieved.\nWe prefer to resolve conflicts by negotiation wherever possible. If a dispute cannot be avoided, we quickly get down to business with dedication and commitment, following the dictum the law aids the vigilant.»\nManaging Director of the company. Employment history includes significant experience with the Russian tax authorities and international law firms. Graduated from the Faculty of Law of Lomonosov Moscow State University in 2001.\nOver 10 years' experience in the field of bankruptcy, including with the tax authorities and at major foreign banks. Bankruptcy administrator, registration number 17654.\nEmployment history includes significant experience with the Russian tax authorities, state arbitration (commercial) court and federal bailiffs service. Holder of degrees in law, economics and medicine.\nGraduated from the International Law Faculty of MGIMO University (honors degree). Speaks English and Spanish. Previous experience includes work at an international organization focused on promotion and protection of human rights.\nGraduated from Kutafin Moscow State Law University with honors.\nSupport company’s activities in the field of wholesale and retail goods. Optimal structuring of contractual relations between suppliers and buyers (including distributors and franchisees). Counseling and representation of producers and sellers in the pre-trial stage and in courts regarding consumer rights enforcement.\nCounseling on tax administration issues, including those during various tax monitoring interventions (in particular, field tax inspection), representing taxpayers during appeal of tax authorities’ decisions made on the basis of inspection results and/or in connection with compulsory tax debts collection measures.\nSupport financial recovery of the enterprises, prepare and approve settlement agreements between the debtors and creditors. Counseling and representing interests of the client participating in the bankruptcy case (bankruptcy creditor, the debtor, his controller) at different stages of bankruptcy process, including those connected with cross-border (international) bankruptcy.\nLegal support in land plots and buildings sale and acquisitions, and long-term lease transactions. Advising on complex real estate deals and legal representation in disputes over title to real estate. Cadastral value appealing.\nAdvising on the regulatory impact of draft laws and subordinate legislation, preparing, and presenting corresponding opinions on behalf of entrepreneurs and commercial companies. Participating in expert groups and commissions, business councils and industry committees on behalf of business representatives with the aim of bringing about fair and balanced administrative and legal regulation of the activities of industry participants in specific sectors of the Russian economy.\nAdvising and representing clients on family and inheritance law matters at both the pre‑trial and trial stages, including:\n— marriage: divorce; discovery and division of matrimonial assets (including joint businesses); establishment of spousal maintenance obligations;\n— marriage contracts: legal support of the conclusion, fulfilment, amendment, termination, and invalidation of marriage contracts;\n-inheritance: advising on intestate succession and testamentary succession; legal support of the conclusion, fulfilment, amendment, termination, and invalidation of inheritance contracts; inheritance fund – advising on and legal support of the formation and management of inheritance funds; establishment of kinship and other facts of legal significance; reinstatement of the time period for acceptance of inheritances.\nAdvising on any issues of applying employment and migration law on behalf of entrepreneurs and commercial companies; advising on the optimization and restructuring of personnel; developing and assisting in downsizing procedures and mass redundancy programs; legal support for employers in settling individual and collective employment disputes.\nAdvising clients on amendments to the constituent and corporate documents of organizations. Structuring and full support of transactions on sale and purchase of shares and participatory interest in authorized capitals of corporations, including due diligence of acquired businesses. Drawing up an algorithm of actions in case of intention of participants of organizations to conduct an audit of organizations.\nHolding general meetings of participants and shareholders of companies, full legal support of the procedure.", "domain": "finance"}
{"url": "https://taxpartnersnw.com/protecting-yourself-after-the-equifax-hack/", "date": "2024-04-22T22:22:36Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296818374.84/warc/CC-MAIN-20240422211055-20240423001055-00820.warc.gz", "language_score": 0.9546045660972595, "token_count": 820, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__89651800", "lang": "en", "text": "Another day, another information breach. Ho hum, right? No. This one is different. Equifax estimates that identifying information for 143 million people has been hacked from their website. Chances are, it includes you. Even if you went to their website and it says it didn’t affect you, it’s time to start taking steps to protect yourself.\nIn the past, we have advised you to freeze your credit if your identity was stolen. This time, the information that was stolen is enough that a person could unlock your credit without you knowing. Those of us with frozen credit aren’t in the habit of checking it, so they could do a lot of damage before you find out.\nYou can notify one credit bureau that you want a fraud alert placed on your account, and they will notify the others. Here is where to go for Transunion. https://www.transunion.com/fraud-victim-resource/place-fraud-alert Here is the site for Experian. https://www.experian.com/fraud/center.html We’ll just figure Equifax has done enough damage already and leave them off the list. Put a reminder on your calendar to do new fraud alerts every 90 days.\nI still suggest that you get a free credit report here https://www.annualcreditreport.com/index.action. You can get one from each of the three credit bureaus every year. So get one today from one, get one in four months from another, and get another from the third four months after that. You won’t have to pay anything, and you’ll be monitoring your credit on a consistent basis.\nIf you want to pay someone to do this for you, this is what companies like Lifelock are for.\nGo here https://www.irs.gov/individuals/get-transcript and create an account for yourself. Make a note in a safe place of the information you used and your password. This will stop someone from going in to the IRS records, getting your tax returns and doing mischief with them.\nFinally, I have set up my bank account so that I receive an alert anytime money is taken out of my checking or savings account, or a charge is made on my credit card. This was very easy to do online.\nIt’s important to note that you need to be vigilant about all this forever. Equifax is offering credit monitoring for only one year. My identity was stolen four years ago, and I still get notices every few months that someone is trying to open credit in my name. Once your information is out there, you can’t get it back.\nIrritated that you are caught in this web? Welcome to the club. If you visited the Equifax site and it says that you weren’t affected, don’t heave too big a sigh of relief, it’s only a matter of time. Once you’ve taken the steps above, get another coffee and write an email to your Congressperson letting them know your opinion of the current system. These credit bureaus collect amazing amounts of information about us, we have no control over what they do with it, and now it turns out they didn’t keep it secure. It’s not like we can go out and get a new social security number. It’s time for Congress to take a look at this issue and make some rules to protect us. Here’s where you can go to find an email address for your member of Congress. https://www.house.gov/representatives/find/ And here’s where you can find contact information for your senators. https://www.senate.gov/general/contact_information/senators_cfm.cfm?OrderBy=state&Sort=ASC\nAs always, feel free to call us if you have any questions!", "domain": "finance"}
{"url": "https://wabashaswcd.com/grant-reports", "date": "2022-06-26T16:44:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103271763.15/warc/CC-MAIN-20220626161834-20220626191834-00778.warc.gz", "language_score": 0.939659059047699, "token_count": 129, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__206483922", "lang": "en", "text": "On November 4, 2008, Minnesota voters approved the Clean Water, Land & Legacy Amendment to the constitution to:\nThe Amendment increases the sales and use tax rate by three-eighths of one percent on taxable sales, starting July 1, 2009, continuing through 2034. Those dollars are dedicated to four funds: Outdoor Heritage Fund, Clean Water Fund, Parks and Trails Fund, and Arts and Cultural Heritage Fund.\nClick here for more information: http://www.legacy.leg.mn/\nWabasha SWCD has received funding from the Clean Water Land & Legacy Fund to help support the overall goal of the amendment.", "domain": "finance"}
{"url": "http://element47.com.au/index.php/what-we-do", "date": "2021-04-12T04:05:00Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038066568.16/warc/CC-MAIN-20210412023359-20210412053359-00258.warc.gz", "language_score": 0.9413370490074158, "token_count": 394, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__214880179", "lang": "en", "text": "Right now, power is flowing invisibly throughout your building. Every time a refrigeration unit powers up or a bank of lights is switched on, a silent withdrawal of sorts is taken from your business’ bank account.\nLikely, this electricity is costing you thousands, if not tens of thousands of dollars each month.\nA huge expense item on your financial statement that few are paying attention to.\nElement47 is your comprehensive solution to that problem. We are unique in our capabilities. No one else can deliver these kinds of solutions.\nWe give you the tools to monitor, control and reduce your energy costs. We can even help you capture and utilize your building’s solar energy potential, with no upfront cost to you.\nLike a pair of X-ray glasses, our advanced metering technology can show you exactly how much energy your facility is using and where it is being used. Not next month, or next week, but minute by minute, in real-time.\nOnce at the controls of our client interface, you are no longer a passive observer. Like an Energy Loss Prevention Department, you are now the master of your facility’s energy usageand have customized, actionable data at your fingertips. If a rooftop AC unit is powered on, you will see it. 24 hours a day.\nInformation without action is useless. That is why we partner with you and your company to identify opportunities for usage reduction, improvements in efficiency, and more aggressive, competitive pricing from the power providers. Through our industry expertise and leverage, we will secure the most aggressive energy rates and the best service available to anyone in your market.\nThrough our Solar Power Purchase Agreements, we will install the necessary equipment to capture your building’s solar energy potential at zero cost to you. Then, simply purchase the generated power from us at a fraction of normal utility rates. At the end of the agreed term, the equipment is yours.", "domain": "finance"}
{"url": "http://www.imglobal.com/img-insurance/medical-evac/sky-rescue-insurance/optional-coverage.aspx", "date": "2014-04-19T12:28:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-15/segments/1397609537186.46/warc/CC-MAIN-20140416005217-00034-ip-10-147-4-33.ec2.internal.warc.gz", "language_score": 0.9168317914009094, "token_count": 273, "dump": "CC-MAIN-2014-15", "global_id": "webtext-fineweb__CC-MAIN-2014-15__0__20636968", "lang": "en", "text": "This optional coverage is available for the primary insured person only. This coverage is in addition to the $100,000 Accidental Death and Dismemberment included in the Sky Rescue plan. Coverage must be purchased for a minimum of three months.\n| ||3 months ||6 months ||12 months |\n|Up to $100,000 additional coverage ||$38 ||$48 ||$60 |\n|Up to $200,000 additional coverage ||$76 ||$96 ||$120 |\n|Up to $300,000 additional coverage ||$114 ||$144 ||$180 |\n|Up to $400,000 additional coverage ||$152 ||$192 ||$240 |\n* This Web page contains only a brief summary of current benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants. These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request.", "domain": "finance"}
{"url": "https://www.meyc.co.uk/terms-and-conditions.htm", "date": "2024-02-29T21:56:11Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474853.43/warc/CC-MAIN-20240229202522-20240229232522-00127.warc.gz", "language_score": 0.9444326162338257, "token_count": 1091, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__168403872", "lang": "en", "text": "A completed and signed registration form and fee of £100 is required to book a place at MEYC. The Registration Fee is NON REFUNDABLE.\nALL fees are invoiced on a monthly basis, (during the first week of each month). Payment is due on receipt of invoice before day 7 of each month in advance of each monthly period. Fees are reviewed annually.\nAny invoices that are not paid during the first week of each month will incur an automatic penalty charge of 10%. In rare cases where the services of a debt collector becomes necessary, a statutory charge of £100 will be added to cover costs.\nFees may be paid by a monthly standing order, online payment, cheque, cash or Credit/Debit cards via the Office.\nAdditional hours/sessions at the Centre may be arranged at any time with the office staff and can be taken up immediately if space is available. The extra time will be charged separately, and payment is due on receipt of the adjusted or new invoice.\nParents wishing to withdraw their child or reduce their sessions will be required to give a month’s notice in writing of their intention or forfeit the month’s fees in lieu. Written notification must be received before the 1st of each month when invoices are produced and sent out.. Email or written communication of intention to leave are both acceptable.\nFees remain due in good faith, regardless of bank holidays, emergency closure (e.g. severe flooding, snow, boiler defects) or any absence due to illness, family holiday or excursion.\nPlaces will be confirmed by MEYC as soon as possible after receipt of completed paperwork and the registration fee. You will be sent final confirmation of your booking at which point your place becomes contractual and you will be liable for payment of the first month’s fees. Alternatively a month’s notice in writing prior to the starting of a new child is required to cancel a confirmed new booking.\nAn annual fee of £12 is charged to parents at the start of each academic year (September). This charge covers the software costs for personal NEF funding and a contribution towards online per capita Tapestry costs for the personal communication system which records children’s progress.\nTo better support quality, staff/child relationships and nurturing/bonding processes, the following minimum requirements will apply:\na. Baby Care children are required to attend for a minimum of 2 x short day (9-3) sessions per week\nb. Butterfly children at least 2 sessions weekly to support settling in.\nc. Toddler Department children are required to attend for a minimum of 2 x short day sessions per week (9-3)\nd. Nursery children are required to attend for a minimum of 2 short day sessions weekly (9-3)\ne. Barn Owl children are required to attend for a minimum of 3 short day sessions weekly (9-3)\nChildren may choose to attend 2 Settings and NEF income can be split, but such a decision may disrupt the quality and continuity of a child’s education.\nPayments can most easily be made online: Sort code 20-98-61 Account No: 00107115. Cheques should be made payable to MEYC or Madresfield Early Years Centre and can be posted or delivered to the office. Any queries regarding invoices can be discussed with the Finance Team, on 01905 749291 between 9am-2pm daily, during term time. The Centre is fully registered to receive Government Funding for 2,3, & 4 year olds. This is automatically applied for on your behalf. Pupil Premium and Special Needs Funding can also be applied for with parental permission and appropriate forms. Any cash payments will be checked, at hand-over and a receipt will be issued.\nA full and comprehensive copy of all the Centre’s Policies & Procedures is available from the office. Policies and Procedures as well as Terms and Conditions are updated regularly in accordance with legal changes and County recommendations. It will always be the information in the most recently updated copy that is applicable.\nIt is the responsibility of all parents and carers to familiarise themselves with the Term & Conditions and policies of the Centre and to keep the Centre informed of any alterations to their personal and contact details. Updated information should be received in writing or by email at the office to enable all records to be updated. (email@example.com)\nIn the event of an emergency, should parents be unavailable they must agree to staff and medical personnel acting in loco parentis, in the child’s best interests, until parents arrive or can be contacted.\nThe Office is open in term time only between 9am-3pm Monday to Friday. Administration can only be dealt with during these times and NOT during the holiday periods when the Office is closed. Childcare Staff should not be burdened with financial and administration matters.\nPhotographs taken of children at the Centre will be used for wall displays, children’s records, website updates, Centre Social Media accounts and for occasional newspaper articles of special events, unless parents confirm in writing, their objection to this.\nHayswood Farm, Madresfield, Malvern, Worcs, WR13 5AA\nRegistered in England & Wales: 03597604", "domain": "finance"}
{"url": "https://myenergymonster.com/ma/go-solar/owning-vs-leasing/", "date": "2023-09-29T16:50:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233510520.98/warc/CC-MAIN-20230929154432-20230929184432-00737.warc.gz", "language_score": 0.9301815629005432, "token_count": 184, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__238297425", "lang": "en", "text": "Congratulations on deciding to go solar! As you may know, there are two very different options for going solar. You can buy or lease solar panels for your home. There are pros and cons to each option, but both options afford you the same ability to enjoy fantastic environmental benefits.\nYes! A 26% federal tax credit and a $1000 state of MA tax credit is available for every solar installation. You may also enroll in the Massachusetts SMART program, which allows you to collect payment for all of the solar energy you produce regardless of if you use it or send it out to the grid (this is separate from net metering). Commercial solar installations are eligible to depreciate their solar installations on top of the tax credits.\nThe size of your project will dictate how long it will take. Most residential installations typically take a couple of days.\nYes! 100% financing is available subject to credit approval.", "domain": "finance"}
{"url": "http://www.tfgfinancial.net/location.cfm", "date": "2015-07-29T11:25:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2015-32/segments/1438042986423.95/warc/CC-MAIN-20150728002306-00168-ip-10-236-191-2.ec2.internal.warc.gz", "language_score": 0.8957333564758301, "token_count": 360, "dump": "CC-MAIN-2015-32", "global_id": "webtext-fineweb__CC-MAIN-2015-32__0__188732464", "lang": "en", "text": "Tim C. FitzGerald, MSFS, AEP®; Warren C. Bradley, R. Matthew Hudnall, and Drew McDonald are agents collectively licensed to sell insurance through New York Life and may be licensed with various other independent insurance companies in the state(s) of AR, LA, TX, MS, AL, VA, WV, NY, AZ, CA and WA. No insurance business may be conducted outside these state(s) referenced. Tim Fitzgerald AR Ins. Lic. #33049, R. Matthew Hudnall AR Ins. Lic #413955.\nTim C. FitzGerald, MSFS, AEP®, Warren C. Bradley, and R. Matthew Hudnall are Registered Representatives of and offer securities products & services through NYLIFE Securities, LLC Shreveport General Office, 401 Edwards Street, Suite 1700, Shreveport, LA 71101, (318) 222-4143 Member FINRA/SIPC, a registered broker-dealer. In this regard this communication is strictly intended for individuals residing in the state(s) of AR, LA & TX. No offers may be made or accepted from any resident outside the specific state(s) referenced.\nTim C. FitzGerald, MSFS, AEP® and R. Matthew Hudnall, MBA are also separately registered as investment adviser representatives with Eagle Strategies LLC, Registered Investment Adviser, offering advisory services in the state(s) of AR, TX & LA. As such, these services are strictly intended for individuals residing in the specific state(s) referenced.\nTFG Financial, LLC is not owned or operated by Eagle Strategies LLC, a Registered Investment Adviser or NYLIFE Securites LLC or any of their affiliates.", "domain": "finance"}
{"url": "https://www.eastvaalwitbank.co.za/buy/2020-ford-ranger-my19-3-2-tdci-xlt-4x4-dcab-mpumalanga-witbank_100107", "date": "2021-01-26T19:00:23Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-04/segments/1610704803308.89/warc/CC-MAIN-20210126170854-20210126200854-00332.warc.gz", "language_score": 0.7508205771446228, "token_count": 878, "dump": "CC-MAIN-2021-04", "global_id": "webtext-fineweb__CC-MAIN-2021-04__0__142396743", "lang": "en", "text": "5 Star Safety Rating, Airbag - Driver, Pass & Sides, Audio Control on Steering Wheel, Automatic Headlight Control, CD Front Loader, Central Locking Key, Climate Control, Comfort Access, Electric Windows - Front & Back, Fog Lamps - Front, Fog Lamps - Rear, Leather Seats, Navigation System, Park Distance Control (PDC) - Front and Rear, Radio/USB, Rain Sensor W/screen Wipers, Rear Window De-mister, Reverse Camera, Rubberised Load Bin, Service Plan - Balance of, Smash and Grab, Towbar, Traction Control, . Not easy to find these manual 4x4 bakkies any more. Ideal towing vehicle. Come and buy this bakkie and turn it into your dream overlanding machine or work horse! Finance can be arranged and trade-ins welcome.\nFactory Features on this Model\nABS, Electronic brakeforce distribution, Auto Windscreen Wipers, Air bags 7, Auto lights, Day lights, Auto lock, ISO fix, Power steering, Steering adjustment, Cruise control, Seats 5, Electric mirror fold, Spare wheel FULLSIZE, Keyless entry, Air conditioner, Electric windows, Radio, Leather, Remote side mirrors, Park distance - rear, Satelite navigation, Alloy wheels, Fuel DIESEL, Engine LONGITUDINAL INLINE 5, Engine size 3198cc, CO2 225g/Km, Power 147kW@3000, Torque 470Nm@1500, DOHC 4 VALVES PER CYLINDER, Gears 6, Drive 4, 0-100Km/h 0sec, Top speed 0Km/h, Boot capacity 0 litres, Average fuel consumption 7.5l/km, Service interval 15000kmTap/Click to view detailed specifications...\n||4 YEAR/120000KM WARRANTY, 6 YEAR/90000KM SERVICE PLAN, 5 YEAR CORROSION, 3 YEAR ROADSIDE ASSISTANCE|\n|Maintenance or Service Plan||YES|\n|Driver Air Bag||YES|\n|Passenger Air Bag||YES|\n|Side Impact Air Bag||YES|\n|Impact Tensioning Seat Belts||YES|\n|Engine||LONGITUDINAL INLINE 5|\n|Valves||DOHC 4 VALVES PER CYLINDER|\n|Power||147 kw at 3000 rpm|\n|Manual / Automatic||MANUAL|\n|Average Consumption||7.5 L/100km|\n|Fuel Supply||TURBOCHARGED COMMON RAIL INJECTION|\nThe finance calculator is a form of loan simulator and is NOT AN OFFER by Eastvaal Witbank, its management, employees, representatives, agents or affiliates of any kind. It is provided to you for information and convenience purposes only and does not constitute financial advice in any form or manner. It is a guide only, which is based on certain assumptions and approximations, and we do not guarantee the accuracy of any information thereof. Eastvaal Witbank, its management, employees, representatives, agents or affiliates DO NOT ACCEPT RESPONSIBILITY for any errors or omissions whatsoever in relation to the finance calculator, and DO NOT ACCEPT LIABILITY for any loss, damage, inconvenience experienced or otherwise, caused in respect of any reliance on the finance calculator or information on this website.\nThe finance calculator will not pre-qualify you for any loan programs whatsoever.\nActual instalments on loans obtained with financial institutions will vary depending on:\nPlease note that you should seek appropriate financial advice before concluding any loan agreements.\n*All calculations, rates quoted and payments shown are GUIDELINES ONLY and are not quotations. The final rates and payments can only be determined by your Finance House once they have assessed all your information (completed in a finance application form). By using this calculator, you hereby INDEMNIFY Eastvaal Witbank, its holding, associated or partner companies against any loss or liability which you may suffer as a result of using the calculator. All information provided to you on this website is for illustrative purposes only and may not be considered to be ADVICE.", "domain": "finance"}
{"url": "http://www.strokeaiduk.co.uk/help-and-support/4594420090", "date": "2019-10-14T20:47:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986655310.17/warc/CC-MAIN-20191014200522-20191014224022-00064.warc.gz", "language_score": 0.9585229754447937, "token_count": 709, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__139764470", "lang": "en", "text": "Designed by a Stroke survivor to support Stroke victims\nFundraising total: £2010\nESA is a benefit paid to people whose ability to work is limited by ill health or disability\nESA replaced new claims for Incapacity Benefit and Income Support from 27 October 2008. Claimants already receiving Incapacity Benefit, Income Support paid because of illness or disability or Severe Disablement Allowance (SDA) continued to receive those benefits as long as they remained eligible. However, in 2010 it was announced that these claimants would be switched to ESA between Spring 2011 and 2014.\nThis is payable to someone who is incapable of work because of sickness or disability. It is only paid to someone who is employed and who earns more than the National Insurance lower earnings limit. When Statutory Sick Pay runs out or you stop being employed, you may be able to claim other benefits\nPersonal Independence Payment (PIP) is extra money to help you with everyday life if you've an illness, disability or mental health condition. You can get it on top of Employment and Support Allowance or other benefits.\nUniversal Credit is a new benefit which will be introduced over an extended period with the aim of national coverage by 2017. More information can be obtained from https://www.gov.uk/universal-credit/overview\nIncome-based Jobseeker’s Allowance\nIncome-related Employment and Support Allowance\nChild Tax Credits\nWorking Tax Credits\n(From April 2014 people of working age who are in work will claim Universal Credit instead of current tax credit)\nWorking Tax Credit. You may be able to claim Working Tax Credit if you are disabled and work at least 16 hours a week. You must have a disability that makes it difficult to get a job. You must be receiving, or have recently received, a qualifying sickness or disability related benefit. However this may affect other income related benefits you get - for example Housing Benefit and Council Tax Benefit. Call the Tax Credit Helpline on 0345 300 3900.\nChild Tax Credit. This is a payment to support families with children. It can be claimed by those responsible for at least one child or young person. The amount of the payment depends on your circumstances and income levels, but could include a baby element, disability element or severe disability element.\nIf you are aged 16 or over and spending at least 35 hours a week looking after someone who is getting or waiting to hear about getting Attendance Allowance or Disability Living Allowance. Carers Allowance is taxable and may affect your other benefits\nIf you are on a low income, whether you are working or not, and paying rent\nYou may qualify for a discretionary housing benefit to help with the shortfall in your rent. Your local council should have further details.\nIf you think you may be affected by this Cap the DWP have set up a Helpline to help answer questions about the cap. The number is 0845 605 7065 between 8am and 6pm\nIf you wish to challenge decisions made on your benefit claims you can ask for written statements of the reasons for the decision made. If you still believe this is incorrect decision you can ask for it to be look at again and/or appeal. Time limits are very strict and you are usually given one month to dispute a decision so it is important to seek advice quickly.\nIf you are an older person with concerns about this information your local Age UK may offer you some assistance.\nHelp and Support", "domain": "finance"}
{"url": "http://blogs.solaramerica.org/ob010/sunrun-is-the-solar-company-getting-it-right/?s1=OutB005_CA_DT&campid=OutB005_CA_DT&s2=5300752&s3=Thinking+About+Getting+Solar+Panels%3F+Read+This+F&utm_source=Outbrain", "date": "2019-05-26T07:12:07Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-22/segments/1558232258862.99/warc/CC-MAIN-20190526065059-20190526091059-00551.warc.gz", "language_score": 0.9552656412124634, "token_count": 462, "dump": "CC-MAIN-2019-22", "global_id": "webtext-fineweb__CC-MAIN-2019-22__0__200189096", "lang": "en", "text": "With home solar installations reaching all-time highs as energy prices steadily increase, and increases in solar efficiency making it such a viable competitor, we at Solar America have spent a lot of time vetting the best solar partners for homeowners. We’ve been particularly impressed with how Sunrun is leading the pack.\nIt is amazing how quickly solar energy prices have dropped in the last few years. Once the domain of the rich with money to burn, or extreme greenies, Solar has become a mainstream option that can save the planet while saving you money.\nWith solar panel costs down 75% and efficiency up by half, solar energy is less expensive than it ever has been in history. With the government tax credit incentives – if you move fast, they may expire this year - this is the perfect time to get solar panels on your home. If you’ve been thinking about riding the solar wave, we may have just reached the perfect time, as solar energy has become a global industry that is expanding at a dizzying pace. The Golden Age of the sun has arrived, and solar has finally become a practical solution for lowering monthly home energy bills while simultaneously benefitting the planet.\nEnergy prices have been steadily increasing for decades; it’s a safe bet to say that trend will not abate any time soon\nThe Energy Policy Act of 2005 has made solar especially affordable for homeowners in the last few years, but unfortunately many do not realize the Federal Tax Credit is set to expire at the end of 2016. We’d recommend you look into taking advantage of these massive credits before they are gone.\nAlong with being one of the largest, most well-known solar companies, Sunrun gives you a variety of great options to take advantage of these probably once-in-a-lifetime federal government savings incentives on solar.\nIf your home meets the conditions, Sunrun’s loan options offer as little as zero down and monthly payments that are lower than your average electricity costs, allowing you to start saving money from the first day of installation on your home.\nSolar America partners with the expert solar installers to find you the best possible installer for your area.\nSubmit some quick information so we can get you in touch with a solar specialist to assess your individual situation:", "domain": "finance"}
{"url": "http://www.graham-mfg.com/calendar-of-events/All/fiscal-year-2016-first-quarter-financial-results-conference-call?EventMonthYear=7-2015", "date": "2018-11-14T19:22:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039742263.28/warc/CC-MAIN-20181114191308-20181114213308-00552.warc.gz", "language_score": 0.9083679914474487, "token_count": 148, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__195237479", "lang": "en", "text": "- About Graham\n- Field Support/Training\n- Investor Relations\nWebcast and Conference Call\nGraham management will host a conference call and live webcast July 30, 2015 at 2:00p.m. Eastern Time to review Graham’s financial condition and operating results for its first quarter of fiscal 2016, as well as its strategy and outlook. The review will be accompanied by a slide presentation.\nClick here for the slide presentation.\nA question and answer session will follow the formal presentation.\nGraham’s conference call can be accessed by calling (201) 689-8560.\nTo register for the teleconference: http://public.viavid.com/index.php?id=115263", "domain": "finance"}
{"url": "https://jobs.cmdrecruitment.com/job/part-time-finance-officer/", "date": "2022-11-27T00:55:25Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-49/segments/1669446710155.67/warc/CC-MAIN-20221127005113-20221127035113-00470.warc.gz", "language_score": 0.9193072319030762, "token_count": 279, "dump": "CC-MAIN-2022-49", "global_id": "webtext-fineweb__CC-MAIN-2022-49__0__208871887", "lang": "en", "text": "Part Time Finance Officer\n20 Hours Per Week\nTemporary Contract OR Permanent\nHybrid Working considered\nc.£16.00 Per Hour\nLooking to re-address your work/life balance with a Part Time role?\nDo you possess good Accounting experience and perhaps have studied AAT?\nInterested in working in the centre of the beautiful City of Bath?\nOur client is a leading global software business and they are now looking to recruit an experienced Finance Officer to join their friendly team on a Part Time basis.\nThey are looking for the successful individual to work 20 hours per week.\nReporting to a Company Accountant, this role will see you manage the company’s day to day financial operations needs which include;-\n* Producing monthly bank reconciliations and financial reports.\n* Quarterly VAT Returns.\n* Managing Cash Flow and making payments.\n* Payroll and management of staff benefits.\n* Management of Accounts Payable and Accounts Receivable.\n* Supporting the Company Accountant with Year End procedures.\n* AAT qualification or studying towards\n* Experience with Sage and/or QuickBooks\n* Previous experience in a similar role\n* Multi Currency experience an advantage\nThis is a great opportunity to join a company that offers a friendly and informal office working environment (with a pool table!)", "domain": "finance"}
{"url": "https://kaelanboyd.com/scholarship/", "date": "2023-03-27T07:26:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296948609.41/warc/CC-MAIN-20230327060940-20230327090940-00727.warc.gz", "language_score": 0.9638374447822571, "token_count": 260, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__159729621", "lang": "en", "text": "What is it?\nThe Civitas Scholarship is an annual one-time scholarship of $500 awarded to a student who has shown remarkable leadership skills and a willingness to pursue unwavering selflessness in their future career path.\nWhy is it called Civitas?\nCivitas is a Latin term that means “citizens” or “a community of people.” The purpose of this scholarship is to provide a financial resource for future leaders who aspire to transform their communities and inspire others to be impactful, selfless, and compassionate.\nWho can apply?\nOnly graduating seniors from Quitman County High School in Georgetown, Georgia are eligible to apply.\nWhat are the requirements?\n- Must be a graduating senior of Quitman County High School in Georgetown, Georgia.\n- Must graduate with at least a 2.8 GPA on a 4.0 scale.\n- Must further their education in the academic year immediately following graduation at an accredited two or four year college/university or vocational school.\nHow will the scholarship be paid out?\nAwardees will not receive the scholarship money directly. Funds will be released to the institution to which they have been accepted and will be applied as a credit towards the awardee’s invoice for the upcoming year.", "domain": "finance"}
{"url": "https://www.metrixware.com/en/axa-business-case/", "date": "2023-12-01T03:15:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100264.9/warc/CC-MAIN-20231201021234-20231201051234-00516.warc.gz", "language_score": 0.9389989972114563, "token_count": 455, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__121585995", "lang": "en", "text": "AXA’s Property & Casualty department had a project to modernize and make more ergonomic the user interface of its platform dedicated to 2-wheel insurance: the aim was to offer a better user experience to agents and brokers.\nIndeed, AXA is aware that to thrive in an increasingly competitive market, it is essential to provide a more attractive and user-friendly platform. They were looking for a solution that would enable users to navigate the business application more easily, while having clear visibility of insurance rates and conditions.\nThe expected benefit was to harmonize the underwriting path with the eproduct path, for better handling and therefore better productivity, in order to increase business with the brokerage network, which is faced with multiple underwriting paths. Faced with this challenge, AXA has chosen to renew its confidence in Metrixware to transform its underwriting application for customers owning 2-wheelers.\nAXA is a French international group specialized in insurance and asset management.\nThe project at a glance :\n- 10,000 employees and brokers involved\n- increased number of contracts signed\n- time saved on quotations\nTo meet AXA’s need to modernize its user interface and improve the experience of its agents, brokers and employees, Metrixware proposed its Mainframe Integrator Suite (MIS) solution, supporting IBM\nz/OS, IBM i (AS/400) and IBM Aix environments.\nThis solution highlights Metrixware’s technology and the ability of its teams to work in collaboration with AXA’s business managers and marketing department, to deliver a time-to-market solution that respects the budget, the specifications and the AXA universe.\nBenefits & Results\nImmersion in the AXA Universe\nMore attractive and ergonomic interface created by a UX Design team -> Wow effect!\nReturn on investment\nLowest implementation cost to achieve expected results.\nBetter adoption of the offer\nCompletely redesigned sales approach with information bubbles and clear display of details and options.\nThe proposed solution enabled us to redefine our sales approach and modernize our user interface. The solution has transformed our tool into a real guide for agents and brokers, helping them to navigate and sell more effectively.", "domain": "finance"}
{"url": "http://cityofsharon.net/City-of-Sharon-Growing-Economy.htm", "date": "2019-06-27T10:50:33Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560628001089.83/warc/CC-MAIN-20190627095649-20190627121649-00071.warc.gz", "language_score": 0.9104597568511963, "token_count": 176, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__192596257", "lang": "en", "text": "The City of Sharon is well connected with the Commonwealth of Pennsylvania's Department of Community and Economic Development. City staff and volunteers can help start-up or expanding companies easily navigate Local Economic Revitalization Tax Assistance (LERTA) Including state tax incentives in Keystone Opportunity Zones and other Enterprise Zones, low-cost financing from Sharon Industrial Development Authority, Shenango Valley Enterprise Zone and Penn-Northwest Development Corporation. The City can also help with technical assistance with state and local economic development programs and provides affordable energy sources, easy highway and rail accessibility. Commercial and industrial real estate is readily available, including Keystone Opportunity and other Enterprise Zones.\nSharon and the surrounding region offer sizeable, dedicated, easily-trained and cost-effective workforce. Downtown Sharon is home to Pennsylvania CareerLink, offering a one-stop employment center for recruitment, training, and tax-credit programs.", "domain": "finance"}
{"url": "https://redhillspecs.eq.edu.au/support-and-resources/payments", "date": "2021-10-24T00:25:45Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585828.15/warc/CC-MAIN-20211023224247-20211024014247-00228.warc.gz", "language_score": 0.9233402609825134, "token_count": 424, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__149341720", "lang": "en", "text": "Under the Education (General Provisions)\nAct (EGPA) and Department of Training (DET) policies and after consultation\nwith our P&C, Red Hill Special School operates a whole of school\nTextbook & Resource Scheme. Due to the specialised needs of our environment,\na lot of our resources are expensive and/or specialist items not readily\navailable to the general public. This scheme is to ensure that all students\nhave the necessary resources for their education, and to save\nparents/caregivers the need to shop for basic school resources.It\nalso provides bulk purchase advantages and a uniformity of resources.\nWe are also aiming to reduce the amount of\npayments made to the school and have combined all fees into the scheme. Once\nthe Student Resource Scheme (SRS)contribution has been paid, the only\npayment parents/carers will be required to make will be for horse riding, gym,\nTAFE fees and culminating unit activities/excursions (i.e. camp).\nThese culminating excursions are limited to one per semester.\nThe resources provided to the students\nunder the scheme include items such as:\nThe cost to participate in the\nTextbook& Resources Scheme for 2017 is:\nEducation Queensland pays a Textbook\nAllowance for students aged 13 years and older. The allowance is paid\ndirectly to the school and is used to offset the Student Resource Scheme (see\npage14). The Textbook Allowance covers the cost of classroom consumables, some\ntransport and some registration costs at vocational education, etc. A full\nbreakdown is provided to parents/carers annually and is published on the school\nwebsite. You can choose not to participate in this Textbook Allowance Scheme\nand can request that the school pay you the allowance. However, in this\ncase you will be required to provide and/or pay for the resources and equipment\nlisted for your child for that year. The value of the resources and equipment\nis always greater than the Textbook and Resource Allowance.", "domain": "finance"}
{"url": "https://www.megconsulting.com/our-team/senior-leadership/mark-kaplan-cfa/", "date": "2021-08-01T04:10:56Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-31/segments/1627046154158.4/warc/CC-MAIN-20210801030158-20210801060158-00159.warc.gz", "language_score": 0.9405023455619812, "token_count": 170, "dump": "CC-MAIN-2021-31", "global_id": "webtext-fineweb__CC-MAIN-2021-31__0__22850920", "lang": "en", "text": "Mark is a Senior Associate at Monument Economics Group. Mr. Kaplan specializes in providing analysis and litigation support for matters involving financial fraud and market abuse.\nIn particular, Mr. Kaplan has played a key role in investigations and litigations involving market manipulation (e.g., spoofing, pump-and-dump, mutual fund market timing); insider trading; investment advisor fraud (e.g., cherry picking); valuation; FCPA violations; cryptocurrency; RMBS; and foreign exchange. Mr. Kaplan has also assisted counsel with profit calculations for settlement purposes.\nBefore joining Monument, Mr. Kaplan was an Associate at Analysis Group. Prior to that, he was a Statistician at the SEC in the agency’s Division of Economic and Risk Analysis.\nMr. Kaplan is a Chartered Financial Analyst (CFA) charterholder.", "domain": "finance"}
{"url": "http://ducatidundee.co.uk/faqs.php", "date": "2024-04-17T15:59:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817158.8/warc/CC-MAIN-20240417142102-20240417172102-00168.warc.gz", "language_score": 0.9481033086776733, "token_count": 701, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__118946906", "lang": "en", "text": "How do I get a test ride on one of your Ducatis or a used bike?\nJust ask! Phone us or email us. You must bring along with you your driving licence photocard as well as a note of your National Insurance number, plus a recently dated proof of address. If you have the old style licence please bring along some kind of photocard ID such as your passport, as well as your paper licence and and extra recently dated proof of address.\nIt is always best to contact us to make an appointment so as to avoid disappointment in case the bike in which you are interested is not available.\nI may need finance to make a purchase, can you help?\nWe offer competitive financing. You can learn more about the different ways to fund your Ducati by viewing our finance and special offers pages. Alternatively click here to apply online today.\nDo you buy other makes of bike besides Ducati?\nYes we consider all makes and models, with top prices paid & fast payment. Fill in our quick Valuation Form to see how much your bike is worth today.\nDo you only service Ducati?\nOur trained technicians are experienced working on most makes & models of motorcycle. Contact our service dept or fill in our Service Enquiry Form for more details.\nWhat kind of warranty do I get with a new Ducati\nDucati warranties all its new bikes for a period of 24 months/48 months dependent on specific model. Please check with a team member for more details.\nSelling my bike, Part-Exchange and Valuations\nWhat will I need when I sell or part exchange my bike to Ducati Dundee?\nTwo forms of ID. Original photo ID such as your passport and a proof of address within the last 3-6 months (eg utility bill/council tax letter). The name and address on log book and ID must match.\nBoth sets of keys. If one is missing, please tell us at the valuation stage.\nYour bank details. Payment is made straight away, but account must be in the name of the registered keeper.\nFinance settlement letter. If any finance payments are outstanding, we need a letter from finance company detailing the settlement figure.\nWhat happens if I accept your offer?\nSimply call our team or email us so we can arrange a convenient time to inspect your bike, we’ll confirm the offer and arrange payment.\nHow will I get paid for my bike?\nPayment is made directly into your bank account.\nI cannot find the V5 document?\nYou will first need to get a replacement via the DVLA website.\nValuation is subject to inspection?\nOur initial online valuation is as accurate as possible based on current market trends and the information provided by yourself, prior to us making an in-person inspection. On rare occassions the valuation we provide after the inspection may be different from our initial estimate. This will only happen if we find differences that were not apparent during the initial online valuation. Our post-inspection valuation is our final offer. We provide a fair and honest valuation. We do not haggle, and if we agree with the initial valuation, then that’s the price we will pay you.\nWhat will happen to my motorbike once I agree to sell it?\nWe'll complete the paperwork with you, settle any outstanding finance and transfer the money into your bank account.", "domain": "finance"}
{"url": "https://peldengroup.com/our-businesses/gic/", "date": "2024-04-16T21:10:51Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817106.73/warc/CC-MAIN-20240416191221-20240416221221-00891.warc.gz", "language_score": 0.9425883293151855, "token_count": 242, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__122640897", "lang": "en", "text": "GIC-Bhutan Reinsurance Company Limited was incorporated on 16th May 2013 under the Companies Act 2000 of the Kingdom of Bhutan. The company was licensed to carry on General Reinsurance business on 12th August 2013 under Financial Services Act 2011. The Company was formally launched on the 5th of September 2013, by the Hon’ble Finance Minister of Bhutan and His Excellency, the Indian Ambassador to Bhutan.\nGIC-Bhutan Reinsurance Company Limited is a Joint Venture Foreign Direct Investment (FDI) company with an initial paid-up capital of Nu. 500 Million and with the issue of rights share in the financial year 2020 it was enhanced to Nu. 1,100 Million. It is promoted by General Insurance Corporation of India (GIC Re) holding 26% share and two Bhutanese promoters Dasho Sangay Wangchuk holding 17% share and Aum Damchae Dem holding 12% share respectively. The remaining 45% is in the hands of the public.\nTo learn more about GIC-Bhutan Reinsurance Company Limited, please visit their website at: http://www.gicbhutanre.com", "domain": "finance"}
{"url": "https://uniassist.in/13214/", "date": "2024-02-24T21:49:20Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474569.64/warc/CC-MAIN-20240224212113-20240225002113-00277.warc.gz", "language_score": 0.9543046951293945, "token_count": 371, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__96870261", "lang": "en", "text": "Smart contracts are digital programs or scripts that are designed to automatically execute and enforce the terms of a contract. They are a key element of blockchain technology and are widely used in the world of cryptocurrency.\nIn simple terms, a smart contract is like a digital agreement between two parties that is stored on the blockchain. It contains a set of predetermined conditions that must be met in order for the contract to be executed. Once those conditions are met, the contract is automatically executed, and the terms are enforced.\nThe beauty of smart contracts is that they are completely transparent and decentralized. Once a contract is created and stored on the blockchain, it cannot be altered or tampered with. This ensures that both parties are equal stakeholders in the agreement and that there is no need for a third party to oversee or enforce the terms.\nOne of the most significant use cases of smart contracts in cryptocurrency is the creation of decentralized applications (dApps). By using smart contracts, developers can create dApps that are completely transparent, secure, and decentralized. These dApps can automate a wide range of tasks, from financial transactions to the management of supply chains.\nSmart contracts have several advantages over traditional contracts. They are more secure, as they are stored on a blockchain that is virtually impervious to hacking. They are also much faster and more efficient than traditional contracts, as they are automatically executed once the predetermined conditions are met. This eliminates the need for a third party to oversee the agreement, which can save time and money.\nSmart contracts are a key component of the future of cryptocurrency. As blockchain technology continues to evolve, we can expect to see more complex and sophisticated smart contracts that can automate even more tasks and transactions. Whether you are an investor, a developer, or simply curious about the world of cryptocurrency, smart contracts are definitely an important concept to be familiar with.", "domain": "finance"}
{"url": "http://mcelhinneyassociates.com/house-insurance/", "date": "2020-02-26T15:48:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-10/segments/1581875146414.42/warc/CC-MAIN-20200226150200-20200226180200-00550.warc.gz", "language_score": 0.934780478477478, "token_count": 495, "dump": "CC-MAIN-2020-10", "global_id": "webtext-fineweb__CC-MAIN-2020-10__0__182555995", "lang": "en", "text": "DOES MY HOUSE INSURANCE COVER ME IF SOMEONE HAS BEEN INJURED IN MY HOME?\nQuite often basic house insurance policy’s have a lot of extra cover that people don’t know about examples of these include:\n- Jury benefit, some policy’s have a daily benefit that can be paid to you or your spouse/partner to sit on a jury\n- Domestic employees or visitors belonging\n- Frozen food, if the electricity is cut off or your freezer breaks down you can recover the cost of the frozen food loss in your deep freezer\nA very important part of basic household insurance policy is that of public and personal liability. Most policies will cover domestic employees and visitors entering into the property. For example, children’s birthday parties are usually covered, i.e. if a child becomes injured whilst attending a birthday party in your home the insurance company will provide cover for that personal injury claim\nIf you have temporary or occasional employees for example somebody carrying out repairs or decorations, a cleaner or childminder and they become injured in your home then your household insurance policy will provide cover\nInterestingly some policy’s will also cover members of the household if they injury a person outside of the house for example if you accidently trip someone on the footpath or if you struck a passer-by with your umbrella and caused an injury to that person then your insurance policy may provide cover for any claim made against you.\nTherefore, when it is time for renewal of your household insurance policy you should read the benefits that are included very carefully make your decision whether additional benefits may be of some assistance to you.\nShould you require any further information regarding this matter please do not hesitate to contact us at McElhinney & Associates, Drumboe Lodge, Stranorlar, Co. Donegal on 074 91 75989 or firstname.lastname@example.org\n*In contentious business a Solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement\n**This information is for guidance purposes only. It does not constitute legal or professional advice. Professional or legal advice should be obtained before taking or refraining from any action as a result of the contents of this publication. No liability is accepted by McElhinney & Associates for any action taken in reliance on the information contained herein. Any and all information is subject to change.", "domain": "finance"}
{"url": "http://www.club9sports.com/CLUB_9_SPORTS.html", "date": "2014-03-09T12:45:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-10/segments/1393999678381/warc/CC-MAIN-20140305060758-00021-ip-10-183-142-35.ec2.internal.warc.gz", "language_score": 0.9552275538444519, "token_count": 271, "dump": "CC-MAIN-2014-10", "global_id": "webtext-fineweb__CC-MAIN-2014-10__0__122523670", "lang": "en", "text": "The commitment includes a significant, lender-endorsed, equity investment at closing, followed by additional and larger infusions of cash based on a disciplined process so as not to unduly dilute the existing shareholders. After a thorough review and analysis of the club, the firm believes the level of its investment is more than sufficient for the club to be operated successfully and for the manager to have an appropriate reserve of cash to use for key, off-season roster moves. In addition to the equity investment, CLUB 9 SPORTS has already reached an agreement with the club’s lender, Co-operative Bank, to restructure the current debt level.\nCLUB 9 SPORTS plans to engage itself in the club’s management through the active involvement of its executive team and others it has recruited to support the current efforts of the club’s key executives and its manager. As such, CLUB 9 SPORTS plans to implement a number if initiatives (such as international player development, best practices in commercial operations and enhanced match day activities) in order to improve the team’s performance and the fans’ experience. The goal of these efforts will be to provide financial discipline, club stability and higher league standings.\n“We believe the amount and structure of our offer is compelling and trust the board will accept the terms,” said", "domain": "finance"}
{"url": "https://moneyboxwealth.co.uk/2018/08/16/residential-property-review-july-2018/", "date": "2024-04-20T01:00:13Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817463.60/warc/CC-MAIN-20240419234422-20240420024422-00235.warc.gz", "language_score": 0.949639618396759, "token_count": 736, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__24681193", "lang": "en", "text": "Residential Property Review July 2018\nTHREE-YEAR TENANCIES FOR RENTERS CAUSES CONCERN TO LANDLORDS\nAs reported by The Guardian, the Secretary of State for Housing, Communities and Local Government, James Brokenshire, has proposed stopping landlords of rental properties from evicting tenants at short notice and implementing a minimum three-year tenancy agreement.\nCurrently, approximately 80% of residential tenancies in England and Wales are agreed for either a six or twelve-month period. The assured shorthold tenancy agreement is the most widely used tenancy agreement by buy-to-let landlords. This type of tenancy entitles the landlord to a possession order immediately after the initial agreed period, meaning the landlord is therefore able to evict the tenant after the initial fixed term without a legal reason.\nReferring to his recent consultation paper, Mr. Brokenshire stated: “It is deeply unfair when renters are forced to uproot their lives or find new schools for their children at short notice due to the terms of their rental contract.”\nLONDON HOUSE PRICE GROWTH AT NINE-YEAR LOW\nThe UK Cities House Price Index, published by Hometrack, a property research organisation, has shown that London is amongst five cities where home prices are declining in real terms, when adjusted for inflation. Their definition of a decline is where house price annual growth rates fall below the Government’s Office for National Statistics’ (ONS) Consumer Prices Index (CPI), which currently sits at 2.4%.\nThe Hometrack report states that London house price growth has slowed to a nine-year low, while prices in Edinburgh and Manchester are rising faster than in any other major UK city, with price gains of 7.1% and 7% respectively.\nRichard Donnell, the insight director at Hometrack, commented: “We expect house prices to keep rising across regional cities such as Birmingham, Manchester and Edinburgh over the next two to three years. During this time house price growth in London will remain flat, with annual price rises of approximately 0-2%.”\nFASTER REDRESS FOR DEFECTIVE NEW-BUILD PROPERTIES?\nIn a report entitled ‘Better Redress for Homebuyers’, the All-Party Parliamentary Group for Excellence in the Built Environment, states that the landscape for buyers of new-build homes who are trying to resolve complaints about building defects is a confusing one. This problem is compounded by the complexity of the current number of housebuilding codes, building guarantees, and individual developer’s complaints procedures.\nThe All-Party Group have proposed setting up an independent ombudsman with powers to reimburse buyers by up to £50,000, or even give the buyer recourse to reverse the original sale contract. It is proposed that the scheme would be funded by a levy on housebuilders.\nLAND SHORTAGE CHALLENGES NEW HOMES SUPPLY\nAccording to the most recent capacity survey from estate agent Savills, the policy environment for delivering affordable new homes is improving. However, the availability of suitable land was cited by 86% of respondents as being the number one barrier to achieving this, with the lack of subsidy or grant being claimed by 54% as the number two barrier. Meanwhile, Government policy was only cited by 24% of their participants as being a barrier.\nThe Government’s target of 300,000 new homes per year continues to put pressure on housing associations to ramp up their housebuilding to bridge the gap from the present supply of 220,000 houses.", "domain": "finance"}
{"url": "https://thetombstonetourist.com/graves/james-cash-penney/", "date": "2023-03-21T08:20:44Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-14/segments/1679296943637.3/warc/CC-MAIN-20230321064400-20230321094400-00088.warc.gz", "language_score": 0.889835000038147, "token_count": 712, "dump": "CC-MAIN-2023-14", "global_id": "webtext-fineweb__CC-MAIN-2023-14__0__11810711", "lang": "en", "text": "James Cash Penney\nJ. C. Penney\nJames Cash Penney Jr.\nSeptember 16, 1875\nFebruary 12, 1971\nPlace of Death:\nHarkness Pavilion, Columbia‐Presbyterian Medical Center, New York, New York\nCause of Death:\nClaim to Fame:\nBusiness and Finance\nJames Cash Penney was an American businessman and entrepreneur who founded the J. C. Penney stores in 1902. The Penney company expanded nationwide, with 120 stores in 1920 (mostly still in the west). By 1924, Penney reported income of more than $1 million annually. The number of stores reached 1,400 by 1929. The large income allowed him to be heavily involved in many philanthropic causes during the 1920s. Most of this work was halted when the stock market crash of 1929 and the Great Depression left Penney in financial ruin. After the crash, Penney lost virtually all of his personal wealth and borrowed against his life insurance policies to help the company meet its payroll. The financial setbacks took a toll on his health, and he checked himself into the Battle Creek Sanitarium for treatment. After hearing the hymn \"God Will Take Care of You\" (written by Civilla Durfee Martin) being sung at a service in the hospital's chapel, he became a born-again Christian.\nIn 1940, during a visit to a store in Des Moines, Iowa, he trained a young Sam Walton (future founder of WalMart) on how to wrap packages with a minimal amount of paper and ribbon.\nFinal Resting Place:\n4199 Webster Avenue\nBronx, New York, 10470\nCemetery map of Woodlawn Cemetery in the Bronx, New York.\nGrave Location:Pine Plot, Section 135\nGrave Location Description\nFrom the Jerome Avenue entrance, turn left on West Border Avenue then right on Chestnut Avenue. Look to your right for the well manicured Penney mausoleum.\nGrave Location GPS40.888966, -73.876839\nRead More About James Cash Penney:\n- Published Obituary\n- Wikipedia Entry\n- 13 Facts You Probably Didn’t Know About JCPenney\n- J. C. Penney, the Man: A Life of Perpetual Sharing\n- James Cash Penney: From Clerk to Chain-store Tycoon\n- James Cash Penney and the Golden Rule\n- James Cash Penney’s Legacy Lingers, While His Namesake Company Scrambles to Save It\n- J.C. Penney's Been a Survivor Before\n- The Great Leaders Series: James Cash Penney, Founder of J.C. Penney\n- J. C. Penney Museum\n- About J. C. Penney\nVideos Featuring James Cash Penney:\nBack to Top", "domain": "finance"}
{"url": "https://ifsccodesearch.net/", "date": "2023-12-05T05:22:14Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100545.7/warc/CC-MAIN-20231205041842-20231205071842-00314.warc.gz", "language_score": 0.9182645082473755, "token_count": 298, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__238500520", "lang": "en", "text": "List of IFSC code, MICR code and addresses of all bank branches in India. Find verified IFSC codes quickly to use for NEFT, RTGS & IMPS transactions.\nor select a bank from these:\nIFSC Code, MICR code List of all banks in India is given below. Click for more information about the bank and its services. To find details of other banks, use the form below.\nWhat is IFSC Code?\nIFSC Code (Indian Financial System Code?)\nIt is an 11-digit alphanumeric code that is used for NEFT, RTGS, and IMPS fund transfers. IFSC CODE of all banks is assigned by the Reserve Bank of India (RBI). Each code is a unique one and helps in the identification of a specific bank branch.\nThe first four digits of the IFSC code represent the name of the bank, while the fifth digit is ‘zero’ (0), which is reserved for future use. The last 6 digits denote the name of the specific bank branch. For example, the SBI IFSC code of the SBI bank branch in Indiranagar is SBIN0003301.\nIFSC code is mandatory for fund transfers initiated through net banking. To know the IFSC code of a particular bank branch, you can look it up online. This 11-digit code is also printed on the cheque leaf that is issued by the concerned home bank branch.", "domain": "finance"}
{"url": "https://fajrcapital.com/about-fajr-corporate-overview/", "date": "2019-06-26T20:50:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-26/segments/1560628000545.97/warc/CC-MAIN-20190626194744-20190626220744-00379.warc.gz", "language_score": 0.9212697148323059, "token_count": 155, "dump": "CC-MAIN-2019-26", "global_id": "webtext-fineweb__CC-MAIN-2019-26__0__121383384", "lang": "en", "text": "Fajr Capital is a leading Dubai-based private equity firm. We invest in high-growth companies and support their long-term strategic, financial and operational development.\nOur shareholders include sovereign investors from Abu Dhabi, Brunei Darussalam and Malaysia, and private institutions from the Middle East and beyond.\nTogether with our portfolio companies, Fajr Capital today employs over 15,000 people across the Middle East and Asia Pacific regions – including operations in Algeria, Brunei Darussalam, Egypt, Indonesia, Malaysia, Saudi Arabia, Turkey, and United Arab Emirates.\nWe have invested growth capital in promising companies operating across a range of strategic, demographic-driven sectors, such as financial services, education, infrastructure, renewable energy, and manufacturing, among others.", "domain": "finance"}
{"url": "https://thedoctorpreneuracademy.com/2024/02/19/unlocking-financial-freedom-10-passive-income-ideas-for-doctors/", "date": "2024-04-15T22:20:58Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-18/segments/1712296817033.56/warc/CC-MAIN-20240415205332-20240415235332-00584.warc.gz", "language_score": 0.9134979248046875, "token_count": 621, "dump": "CC-MAIN-2024-18", "global_id": "webtext-fineweb__CC-MAIN-2024-18__0__33324186", "lang": "en", "text": "As a physician, you’ve dedicated substantial time, effort, and financial resources to your medical education and the establishment of your medical practice. While the medical profession is financially rewarding, the demanding nature of the job often leaves little room for doctors to explore additional income opportunities.\nThis is where the concept of passive income becomes crucial for doctors. Passive income involves generating revenue with minimal ongoing effort and time investment. By incorporating passive income streams into their financial strategy, doctors can supplement their primary income, diversify their revenue sources, and attain greater financial security. In this article, we will explore 10 passive income ideas tailored specifically for doctors, offering ways to create additional income streams while maintaining focus on their medical practice.\n1. Create an Online Course\nDeveloping and selling online courses allows doctors to share their expertise and generate passive income. Once the course is created, it can be sold repeatedly without requiring additional work.\n2. Start a Niche Blog\nDoctors can establish a niche blog within the healthcare industry, focusing on specific topics such as diseases or conditions. As the blog gains traction, monetization through advertising and sponsorships becomes possible.\n3. Health and Wellness Consulting Business\nOffering consulting services in their area of expertise allows doctors to generate passive income through referrals and repeat clients.\n4. Start a SaaS Product Developer Business\nCreating a Software as a Service (SaaS) solution for the healthcare sector enables doctors to profit passively from upgrades and subscriptions. SaaS products leverage online software with licensing for access.\n5. YouTube Channel\nCreating a YouTube channel allows doctors to share their medical knowledge, potentially earning revenue through sponsorships and advertising as the channel gains popularity.\n6. Start a Podcast\nSimilar to a YouTube channel, doctors can create a podcast to share health-related knowledge. Monetization can occur through advertising and sponsorships as the podcast gains an audience.\n7. Content Marketing Business\nLaunching a content marketing company allows doctors to provide medical content to other businesses, relying on repeat clients for passive revenue.\n8. Social Media Marketing Service\nFounding a social media marketing company with a healthcare focus allows doctors to generate passive revenue through repeat business and by automating social media campaigns.\n9. Real Estate Investment\nInvesting in real estate properties provides doctors with a means to generate reliable income. Property management services can handle tenant interactions, repairs, and upkeep.\n10. Rental Property Management\nEstablishing a rental property management company allows doctors to manage properties for other landlords, earning passive income from recurrent customers and monthly administration fees.\nExploring online passive income opportunities is a viable option for doctors seeking additional financial avenues. With numerous options available, many requiring little to no initial investment, it’s an opportunity to diversify income streams. Conduct your research, find a passion project, and get started – you may be surprised at how quickly that extra money accumulates. What have you got to lose?\nTo register for our next masterclass please click here https://linktr.ee/docpreneur", "domain": "finance"}
{"url": "http://www.almamapper.com/blog/2016/01/01/ibps-examination-5-frequently-asked-questions-faqs/", "date": "2019-03-25T06:01:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-13/segments/1552912203755.18/warc/CC-MAIN-20190325051359-20190325073359-00381.warc.gz", "language_score": 0.932791531085968, "token_count": 715, "dump": "CC-MAIN-2019-13", "global_id": "webtext-fineweb__CC-MAIN-2019-13__0__106889655", "lang": "en", "text": "Listed are some of the most frequently asked question regarding the exam and its scope.\n#1.Positions: Recruitment to RRB (Regional Rural Bank) and SO (Specialist officer) are two tier processes and for PO (Probationary Officer) and clerks, it's three tier.\nP.O: Consists of a preliminary test of 100 marks,followed by a main exam of 200, and finally an interview.\nClerk:Same pattern as P.O selection\nS.O:Online written examination followed by an interview.\nR.R.B:a main examination of 200marks and then an interview.\n#2.Statistics :IBPS CWE is one of the most competitive exams in India. With around 20lakh candidates taking this exam annually, it is quite a tough nut to crack. On an average, only1 in 2000 candidates get selected each year. Candidates taking the CWE get selected for the interviews in a ratio of 80:20.\n#3. Academic requirements: The syllabus includes questions based on General Awareness, English Language, Quantitative Aptitude and Computer knowledge. While most candidates prefer to take professional coaching for the exam, it is recommended to start on your own if you have strong basics in Maths and English. You can then go for mock tests online, or in any coaching centre near you. For recruitment to majority of positions in banking, a certificate in any computer course holds immense value. Computer literacy is a must. In the interview, questions related to banking, trade and commerce are common.\n#4.Participating banks: Here's a list of banks recruiting through the examination conducted by IBPS.\nBank of Baroda\nBank of India\nBank of Maharashtra\nBharatiya Mahila Bank\nCentral Bank of India\nIndian Overseas Bank\nOriental Bank of Commerce\nPunjab National Bank\nPunjab & Sind Bank\nUnion Bank of India\nUnited Bank of India\nExport Credit Guarantee Corporation of India Bank\nState Bank of India\nPlus, there around 50 regional rural banks(RRBs) in the list.Some banks choose to conduct their own recruitment processes.\n#5. Eligibility: The candidates must be between 20-28 years of age. Five years of relaxation for SC/ST, three years for OBC & ten years for the differently abled. The candidate must have studied computer as a subject in high school or college. Otherwise, he/she must possess a certificate or a diploma in computer language/ computer operations from a recognized institute. He/she must be able to read and write the regional language of the state of residence. Interested candidates must be a graduate in any discipline, from a recognized university.\nCracking the IBPS (CWE) is the first step to getting your hands on that dream bank job. Once the exam results are out, a list of shortlisted candidates are put up on the IBPS website. Shortlisted candidates will then receive letters of intimation from individual banks with information on the next plan of action. Candidates are then given a two week training on functions of a bank before they are posted at a certain centre of a bank.\nWith the government intending to bring about considerable reforms in the banking sector, the industry is set to create a large number of job opportunities in the near future.\nFor more information on the IBPS exam – Click here http://www.ibps.in/", "domain": "finance"}
{"url": "https://canyonparkechoes.org/author/barbarabailie/", "date": "2021-10-17T10:06:31Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-43/segments/1634323585171.16/warc/CC-MAIN-20211017082600-20211017112600-00032.warc.gz", "language_score": 0.9491770267486572, "token_count": 265, "dump": "CC-MAIN-2021-43", "global_id": "webtext-fineweb__CC-MAIN-2021-43__0__131271049", "lang": "en", "text": "Semi-Annual dues are DUE! Please bring your cash or checks (made out to Canyon Park Echoes Toastmaster) in the amount of $48.00 to the next Wednesday meeting and bring them to Barbara Bailie or a Club officer. Cash needs to be the exact amount. If we get all club members paid in full by March 31st we get more money towards Toastmasters Bucks that can help our club!\nEvery voice counts – even those from behind prison walls. Perhaps, especially those from behind prison walls.\nWith this thought in mind, Canyon Park Echoes Toastmasters members voted to support Prison Voices Count, a non-profit dedicated to supporting Toastmasters clubs within the correctional and rehabilitation system.\nPrison Voices Counts fosters both the human and the economic benefits of Toastmasters in prison. The inmates gain confidence, dignity and job seeking skills. In addition, prisons who participate in Toastmasters are less likely to return to prison after their release. For the Monroe Correctional Center, this is a possible savings of $1.2 million based on 3 prison clubs based there.\nThanks to Pat Sultan for bringing this program to our attention and kudos to our club members for voting to support this cause. We voted to donate $72, the membership dues for one prisoner for one year.", "domain": "finance"}
{"url": "http://insurers-offers.com/find-out-which-insurance-companies-offer-vision-insurance/", "date": "2019-10-15T01:22:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-43/segments/1570986655735.13/warc/CC-MAIN-20191015005905-20191015033405-00533.warc.gz", "language_score": 0.9653957486152649, "token_count": 576, "dump": "CC-MAIN-2019-43", "global_id": "webtext-fineweb__CC-MAIN-2019-43__0__179797490", "lang": "en", "text": "Every insurer tries to attract more customers by offering something unique. You can have vision insurance as part of your plan if you choose to work with particular companies. The number of people dealing with visual impairment keeps on increasing each year. Doctors reveal that more than 70% of visual problems could be corrected if detected early enough. That is why some insurance companies have started offering this form of insurance as part of their health insurance plans.\nAs you choose a health insurance provider, you should not overlook proper vision. If your health package does not include vision insurance, you can buy it as a separate policy. Working with an insurer that offers vision insurance can, however, save you some funds. Vision insurance can keep your out-of-pocket costs down. It also lowers the cost of eyewear and eye procedures.\nEye insurance providers are now expanding vision benefits to people who need eye surgery procedures to help them correct problems before they can worsen. For you to receive these benefits, ensure you choose an eye care provider that appears in your preferred provider network. You can get discounted rates for choosing a facility which is part of this network.\nMost of the vision plans provide flexible spending accounts such that vision care expenses can be deducted from your payroll check directly. Go through your insurance policy to find out the exclusions that your vision insurance will not cover. The exclusions differ from one insurance company to the next. Some of the services that may not be part of the insurance coverage include prescriptions, contact lenses examinations, vision therapy, and eyeglass tinting. If you want any exclusion to be part of your vision insurance plan, you may have to pay additional premiums.\nIf you have a big family or are on a budget, you need to consider a vision discount plan. This helps you get a flat discount on different vision services such as surgical procedures, eyewear, or routine eye exams. Once the discount is applied, you should pay the balance. A vision discount plan differs from a traditional vision insurance policy in that it comes with lower premiums.\nChoosing an insurance company that offers vision insurance can save you a lot of cash since vision costs can go up to $ 100. The prices of eye glasses are also not cheap. To avoid such costs, you need to get the most from your vision insurance plan. Ensure you make use of the money on eye care services since it is bound to expire. You can choose insurers such as VSP Direct, Eyebenefits, Vision Plan of America, Humana, and Aflac. The companies offer a standard coverage, which includes an annual eye exam as well as eyeglass exams. While some let you pay monthly premiums, others have a yearly fee that you have to pay. Such a company enables you to use the coverage as many times as you want within the year that you have paid for.", "domain": "finance"}
{"url": "https://wisc.warwick.ac.uk/news/blog-post-wisc-student/", "date": "2021-04-12T13:19:42Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2021-17/segments/1618038067400.24/warc/CC-MAIN-20210412113508-20210412143508-00598.warc.gz", "language_score": 0.9273098707199097, "token_count": 197, "dump": "CC-MAIN-2021-17", "global_id": "webtext-fineweb__CC-MAIN-2021-17__0__127117500", "lang": "en", "text": "Blog Post for WISC Student\nPosted on June 4, 2019\nWISC Student Andra Sonea, together with Weisi Guo, Stephen Jarvis (both WISC CDT) and Faith Reynolds (Independent Consumer Expert), has written a blog post on identifying and tackling the financial void that is created through the increasing digitisation of retail banking.\nIn her blog post, Andra highlights the chronic lack of useful data that can be used to identify groups of people that are susceptible to falling into a financial ‘void’. Andra also advocates for a more transparent approach to data in the retail finance industry, in addition to stressing the need to ensure vulnerable socioeconomic groups are considered in retail finance planning. Andra’s research continues to emphasise the real world impact that research undertaken at WISC can have and Andra and her research team are confident of being able to influence future policy decisions as a result.\nThe blog post can be read in full here", "domain": "finance"}
{"url": "https://boyleteamsd.com/about/", "date": "2019-11-13T17:44:52Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-47/segments/1573496667319.87/warc/CC-MAIN-20191113164312-20191113192312-00219.warc.gz", "language_score": 0.9798763394355774, "token_count": 222, "dump": "CC-MAIN-2019-47", "global_id": "webtext-fineweb__CC-MAIN-2019-47__0__143087493", "lang": "en", "text": "Having successfully closed several hundred properties in San Diego County over the last 27 years, Dennis Boyle is a proven commodity for buyers and sellers a like. Dennis’ extensive market and contractual knowledge, along with his consistent track record of getting his offers accepted and listings sold to the maximum benefit of his clients, has resulted in a past client loyalty rate that is second to none!\nWith decades of award winning, record setting experience, and hundreds of properties closed within San Diego’s North County and North County Coastal, Dennis has proven strategies and systems to help you negotiate the best possible price for your home. When it comes to the numbers side of the business, Dennis has a unique advantage over the competition. In addition to selling houses since 1990, Dennis Boyle served as a top producing mortgage lender for over 7 years. His ability to calculate loan payments on the spot, as well as his knowledge of current loan programs, and how those programs may effect offers on his listings, or payments for his buyers, consistently helps him bring more transactions together for a successful closing.\nReady to get started? Contact us today.", "domain": "finance"}
{"url": "http://www.berrymanpartners.com.au/Wills-Estate-Planning-Elder-Law", "date": "2020-03-30T07:10:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370496669.0/warc/CC-MAIN-20200330054217-20200330084217-00413.warc.gz", "language_score": 0.9378810524940491, "token_count": 381, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__164043053", "lang": "en", "text": "Wills, Estate Planning & Elder Law\nAs we get older we face increasing uncertainty. This uncertainty can be a source of great stress for many people. To ensure peace of mind and financial security as you get older it is important to manage your estate and financial affairs.\nEstate planning is about ensuring that when you pass away your loved ones are properly provided for and your assets are distributed according to your wishes with minimum taxation and court intervention. It is also about managing your affairs while you’re still alive to ensure that your assets are sufficiently protected and continue to be protected in the event that you lose the capacity to make important decisions for yourself.\nEffective estate planning gives you flexibility in the management of your estate and affairs. At Berryman Partners we can assist you to tailor you estate plan to your particular circumstances.\nEstate planning comprises multiple steps. The first of these steps is to prepare a Will and/or Power of Attorney and Enduring Guardianship.\nPreparation of a Will\nPreparation of a Will allows you to express your wishes as to how your assets are to be distributed upon you death. Proper planning allows you to reduce the financial burden on your beneficiaries and minimise the possibility of disputes.\nPower of Attorney and Enduring Guardian\nPower of Attorney and Enduring Guardianship are effective ways of appointing either one or multiple people to make important decisions for you for either a short period of time or long term.\nEstate planning also requires a broad approach and consideration should be given to all matters that may affect the important aspects of a person’s estate and affairs.\nBerryman Partners can provide you with a range of estate planning services, including:\n- Preparation of Wills\n- Preparation of Powers of Attorney and Enduring Guardianship\n- Asset protection strategies\n- Assistance with issues relating to living arrangements and aged-care accommodation", "domain": "finance"}
{"url": "https://www.fastbusinessfinancial.com/how-to-get-business-loan/", "date": "2019-08-24T20:32:02Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2019-35/segments/1566027321696.96/warc/CC-MAIN-20190824194521-20190824220521-00280.warc.gz", "language_score": 0.9557532072067261, "token_count": 1073, "dump": "CC-MAIN-2019-35", "global_id": "webtext-fineweb__CC-MAIN-2019-35__0__13673768", "lang": "en", "text": "Getting a loan may help you or break you in your building your business empire. If you meet the right conditions, factors, and reasons for getting the loan, it should be beneficial for the growth of your business. Acquiring a loan is much easier these days. With the presence of online financiers and the rise of different lending companies, getting a loan is anything but difficult. But just because acquiring a loan has become easier doesn’t mean it will be served in a silver platter to you. There are things you need to prepare and consider before submitting your application papers to online lenders.\n1. The most important question to ask yourself is: “Why do I need this loan?”\nMost lending companies will ask you this question and you should have figured your business needs to substantially provide a sound and credible answer to this perennial question. Moreover, you must also answer the follow-up questions:\nHow much do you need?\nWhat payment scheme can you afford?\nYou must be prepared with your financial statements if you are an existing business or your business plan if you are still starting out. Understanding your needs for a loan will navigate you towards making the right decisions in growing your business.\nTake for example these two restaurant owners with different business needs:\nRestaurant Owner 1 needs a new oven. Purchasing a new oven is a major expense and might affect the business’ operation costs if bought at a one-time payment. So owner 1 takes up a loan with a repayment that is well within his paying capacity.\nRestaurant Owner 2 wants to expand to a new location and takes up a credit line with a high credit limit. To cope up with the repayments, the second location must be up and running in about 2 months and must be able to make four times as much more profit than the first location. That is an overly ambitious plan with a very aggressive timeline.\nMost lenders will help you realize that your plan actually makes practical sense. You need to be able to clearly determine existing business needs and finances before applying for a loan. It is high time to consult your accountant and bookkeeper on how your business is going in terms of the numbers.\n2. Know Your Legal Standing\nThis is one factor that proves to be most effective to get your loan application approved. That is because having a clear idea on your business legal standing shows that you are hands-on and up to date with your business affairs.\nCheck with the Secretary of State in your area. Inquire about business or tax liens on you or your business. In most business, you can conveniently do this online. If it turns out that there may be invalid liens, take the necessary process to have it removed. It can do wonders in increasing your credit line just by removing irrelevant liens under your name or your business.\nIf your business is incorporated, check if your business is properly registered and in a good position with the Secretary of State. If your business isn’t incorporated, it best to do so before applying for a loan. Most financiers often view incorporated companies as more stable and credible.\n3. Google Yourself & Your Business\nYou might be surprised at so many people using the power of the internet when it comes to searching for something or someone. Even financiers and lending companies research about their applicants and their business. Make sure you have a good LinkedIn profile and enough social media presence to prove yourself credible. It is also helpful to have positive reviews about your business especially in sites like Yelp and other online review platforms. However, if there are also negative comments, you must also be prepared to explain those comments in case they bring it up in the application process.\n4. Check Your Credit Standing\nChecking you and your business credit score will give you the opportunity to identify issues that you can address immediately especially in settling previous debts and correcting misinformation. Most lenders will check your personal credit score as well as your business credit standing which will greatly impact your loan application.\n5. Prepare Your Documents\nThis is the most crucial step you need to do before you start your loan application process. You need to prepare your documents in paper and in digital form to speed up the loan application. Here are some of the pertinent documents that most lending companies will ask from you:\n- Recent Bank Statements (3 to 13 months)\n- Recent Income Tax Returns (1 to 3 years)\n- Business Permits\n- Incorporation Papers\n- Updated Income and Expenditure Sheets\n- Profit and Loss Report\n- Business Plan\n6. Choose The Best Type Of Business Lender For Your Business\nSpend time comparing different business lenders. You can borrow from a bank, non-profit microlenders or online lenders. These financiers offer products including term loans accounts receivable financing or lines of credit. Know which lender meets your business needs and repayment capacity. The right lender will build your business up, aids business growth and assists in incredible business success. The right business lender will give you a clear explanation of how their products work, their financing schemes including interest rates, processing fees, and penalties.\nFast Business Financial proudly offers Working Capital Loans, Merchant Cash Advance and Business Lines Of Credit. Get funded in as little as 24 hours!", "domain": "finance"}
{"url": "http://www.newbostonvillage.com/?page_id=4284", "date": "2023-01-31T20:16:15Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-06/segments/1674764499890.39/warc/CC-MAIN-20230131190543-20230131220543-00854.warc.gz", "language_score": 0.9301450252532959, "token_count": 145, "dump": "CC-MAIN-2023-06", "global_id": "webtext-fineweb__CC-MAIN-2023-06__0__361485", "lang": "en", "text": "The interest rate for tax year 2020 is 5%.\nThe interest rate for tax year 2019 is 7%.\nThe interest rate for tax year 2018 is 6%.\nThe interest rate for tax year 2017 is 6%.\nThe interest rate for tax year 2016 is 5%.\nOhio Revised Code 718.27 requires that municipalities set the interest rate for delinquent unpaid tax liabilities at the federal short-term rate (rounded to the nearest whole number percent) plus 5 percent (5%). Interest shall be imposed per annum on all unpaid income tax, unpaid estimated income tax, and unpaid withholding tax. The interest rate shall apply to the calendar year following the July of the year in which the federal short-term rate is determined.", "domain": "finance"}
{"url": "https://purefactorlc.com/products/", "date": "2024-02-28T08:30:39Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2024-10/segments/1707947474700.89/warc/CC-MAIN-20240228080245-20240228110245-00837.warc.gz", "language_score": 0.9180317521095276, "token_count": 218, "dump": "CC-MAIN-2024-10", "global_id": "webtext-fineweb__CC-MAIN-2024-10__0__21239821", "lang": "en", "text": "CFA® is an internationally recognized designation offered by the CFA Institute to investment and finance professionals. To earn the CFA® charter, candidates need to have completed three six-hour exams and possess 48 months of relevant professional experience.\nThere are three stages of exams (level I, II and III). All three exams focus on investment analysis, valuation and portfolio management.\nThe basic requirement to write the exam include possessing:\n- any bachelor degree or being in the final year of the degree program at the time of registration or\n- four years professional work experience (does not have to be investment related).\n- a combination of professional work experience (full-time) and college experience that totals at least four years prior to enrollment.\n- a valid international travel passport.\nProfessionals that write the CFA® exams include portfolio managers, research analysts (equity and fixed income), investment bankers, risk managers, corporate finance analyst, fixed income traders, etc.\nFor more information on the exam, kindly visit https://www.cfainstitute.org/", "domain": "finance"}
{"url": "https://w5fc.org/about/tom-thumb-program/", "date": "2022-06-29T07:42:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-27/segments/1656103624904.34/warc/CC-MAIN-20220629054527-20220629084527-00621.warc.gz", "language_score": 0.9556944370269775, "token_count": 110, "dump": "CC-MAIN-2022-27", "global_id": "webtext-fineweb__CC-MAIN-2022-27__0__140994055", "lang": "en", "text": "Help support the DARC by designating the Dallas Amater Radio Club as the Good Neighbor beneficiary of your shopping trips.The DARC Good Neighbor affiliate number is 4056. The DARC will receive 1% of your purchase price, issued quarterly, as a donation from Safeway/Tom Thumb. This is a great way to provide financial support to the club with no additional cost to you!\nGet more information about the Tom Thumb Good Neighbor Program. You can also download an application to complete and submit during your next grocery shopping trip.", "domain": "finance"}
{"url": "http://newyork.earnbenefits.org/page.php?pageID=1804", "date": "2014-09-17T19:32:43Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2014-41/segments/1410657124356.76/warc/CC-MAIN-20140914011204-00162-ip-10-196-40-205.us-west-1.compute.internal.warc.gz", "language_score": 0.9486700892448425, "token_count": 253, "dump": "CC-MAIN-2014-41", "global_id": "webtext-fineweb__CC-MAIN-2014-41__0__156886467", "lang": "en", "text": "What is it?\nThe HEAP emergency benefit component assists low-income New Yorkers who are facing a heat or heat related energy emergency and do not have resources available to resolve the emergency.\nWhat do I get?\nYour household can receive between $160 to $350 per year depending on the type of utility or way in which you heat your house. You may also be eligible for Emergency HEAP if you are threatened with utility shut-off. Generally, HEAP benefits are paid directly to your energy company (Con Edison or Brooklyn Union).\nHow long do I get it?\nYou can continue receiving HEAP as long as you remain eligible. You'll have to re-certify for HEAP every year. Go to your local HEAP office to re-certify. Bring the documents listed in the 'What Do I Need to Bring...?' box when you apply.\n|Funds for HEAP are limited. The program operates on a first come, first serve basis. This means that even if you qualify, you may not get HEAP because the program might run out of money for the year. So, apply for HEAP as soon as possible. You can apply for HEAP beginning in the fall of each year.|", "domain": "finance"}
{"url": "https://xcryptsupport.zendesk.com/hc/en-us/articles/360010042439-xCrypt-Will-List-WEB", "date": "2020-01-17T16:18:27Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-05/segments/1579250589861.0/warc/CC-MAIN-20200117152059-20200117180059-00338.warc.gz", "language_score": 0.8410875201225281, "token_count": 367, "dump": "CC-MAIN-2020-05", "global_id": "webtext-fineweb__CC-MAIN-2020-05__0__138225920", "lang": "en", "text": "xCrypt will list WEB and open trading for WEB/XCT trading pair. The specific time is shown below:\nDeposit Start Time : October 20, 2019 5PM(GMT +2)\nTrading Start Time : October 21, 2019 5PM (GMT +2)\nAbout Webcoin :\nWebcoin(WEB) is a utility ERC20 token based on the Ethereum blockchain. The WEB token serves as a unified currency for buying and selling services within the Webhits.io platform.\nWebhits.io is an interest-based p2p web and social media service exchange platform. The platform’s mission is to provide tangible results, increase advertiser Return on Investment (ROI), and significantly lower the costs for website and social media engagement services globally.\nA distinctive functionality trait of the platform is the innovative Social Mining feature that will fundamentally transform the relationship between advertising and cryptocurrency.\nToken site: https://webcoin.today\nPlatform website: https://webhits.io\nRisk warning: Cryptocurrency trading is subject to high market risk. Please make your trades cautiously. xCrypt will make best efforts to choose high-quality coins, but will not be responsible for your trading losses.\nThanks for your support!\nFind us on :\nTelegram : https://t.me/xcryptclub\nTelegram News : https://t.me/xcryptnews\nMedium : https://medium.com/@xcryptclub\nTwitter : https://twitter.com/xcryptclub\nFacebook : https://www.facebook.com/xcryptclub/\nLinkedIn : https://www.linkedin.com/company/xcrypt\nInstagram : https://www.instagram.com/xcryptclub/", "domain": "finance"}
{"url": "http://www.farmers-livestock.com/index.cfm?show=801&id=0701D228&sort=2&cat=2", "date": "2023-06-05T01:04:37Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-23/segments/1685224650409.64/warc/CC-MAIN-20230604225057-20230605015057-00677.warc.gz", "language_score": 0.9081149101257324, "token_count": 446, "dump": "CC-MAIN-2023-23", "global_id": "webtext-fineweb__CC-MAIN-2023-23__0__29466741", "lang": "en", "text": "Farmers Livestock Marketing Services\nDTN Early Word Grains 06/02 05:40\nGrain Prices Quietly Mixed After Senate Suspends Debt Ceiling\nDecember corn is down 2 cents, November soybeans are up 1 cent and July KC\nwheat is down 3 cents.\nDTN Lead Analyst\nEARLY MORNING GLOBEX NET CHANGES: December corn is down 2 cents, November\nsoybeans are up 1 cent and July KC wheat is down 3 cents.\nCME GLOBEX RECAP: Early Friday, U.S. stocks are trading higher after the\nU.S. Senate voted 63 to 36 to suspend the debt ceiling through January 1, 2025,\nthereby avoiding a U.S. default. European and Asian stocks are also higher,\npartly relieved by the latest vote. USDA's weekly export sales report is due\nout at 7:30 a.m. CDT Friday, the same time as nonfarm payrolls and the U.S.\nunemployment rate for May. Oil prices are trading higher ahead of OPEC's\nmeeting on Sunday.\nOUTSIDE MARKETS: Previous closes Thursday showed the Dow Jones Industrial\nAverage up 153.30 at 33,061.57 and the S&P 500 Index up 41.19 at 4,221.02. The\n10-Year Treasury yield ended at 3.61%. Early Friday, June Dow Jones futures are\nup 167 points. European markets are higher with the spot futures of the London\nFTSE 100 trading up 0.67%, spot futures of Germany's DAX trading up 0.89% and\nspot futures of France's CAC Index trading up 1.04%. Asian markets are higher\nwith Japan's Nikkei 225 index up 1.21% and China's Shanghai Composite Index up\nGet your local Cash Bids emailed to you each morning from DTN – click here\nto sign up for DTN Snapshot.", "domain": "finance"}
{"url": "https://patriotstorage.com/team", "date": "2020-04-04T15:07:29Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2020-16/segments/1585370524043.56/warc/CC-MAIN-20200404134723-20200404164723-00525.warc.gz", "language_score": 0.9668818712234497, "token_count": 386, "dump": "CC-MAIN-2020-16", "global_id": "webtext-fineweb__CC-MAIN-2020-16__0__148631971", "lang": "en", "text": "Principal and President\nHal founded Patriot Self Storage in 2006, raising $100MM to develop self storage facilities in high-growth markets. Patriot Self Storage developed, built, operated, and ultimately sold two self storage facilities in Southwest Florida.\nHal learned and fell in love with the self storage industry while working as the Eastern Regional Vice President (“RVP”) for Public Storage Pickup Services, a subsidiary of Public Storage, the world’s largest self storage REIT. As the RVP, Hal was responsible for all aspects of the business for a third of the United States.\nThroughout his career, Hal has been involved with growing companies:\nOutside of work, Hal enjoys spending time with his wife and son golfing, fishing, cheering for Navy football, and watching rugby. He is a board member of the Boys and Girls Club of Sarasota County and a prior board member of Pine View School.\nHal holds a BS degree in Systems Engineering from the United States Naval Academy, Annapolis, Maryland, and an MBA in Finance and Entrepreneurial Studies from UCLAAnderson.\nPrincipal and Chief Financial Officer\nJeff joined Patriot Storage in May 2017. Jeff has spent the majority of his career in real estate operations and finance:\nJeff has also held positions in private equity and investment banking focused on executing and managing transactions in the real estate, technology, financial institutions, retail, and industrial verticals.\nJeff enjoys spending his time with his wife and two daughters while trying to find more ways to spend time outdoors. He is an avid skier, swimmer, biker, runner, and college football fan having started at left tackle for the Stanford University football team while playing for Bill Walsh and Denny Green.\nJeff has a Bachelor of Arts in Economics from Stanford University and an MBA in Accounting and Finance from UCLAAnderson.\nCopyright © 2018 Patriot Storage - All Rights Reserved.", "domain": "finance"}
{"url": "https://www.mytorontocity.com/NRST", "date": "2023-11-28T23:05:49Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-50/segments/1700679100016.39/warc/CC-MAIN-20231128214805-20231129004805-00076.warc.gz", "language_score": 0.932263970375061, "token_count": 383, "dump": "CC-MAIN-2023-50", "global_id": "webtext-fineweb__CC-MAIN-2023-50__0__192435428", "lang": "en", "text": "Real Estate in Canada is regulated provincially, so for any questions about investing in Ontario (Toronto, Markham, Richmond Hill, Mississauga, Halton, Oakville, Brampton, Hamilton, Niagara Falls, etc), please feel free to talk to us. There is no restriction on how much and what kind of property you can purchase in Ontario. We would love to assist you and your family to invest or settle down in Ontario with a new home, a cottage, or an investment property. If you have any questions about investing in Ontario, just fill in the Contact Us Form and we will get right back to you.\nThe Non‑Resident Speculation Tax (NRST) is a 15% tax on the purchase or acquisition of an interest in residential property located in the Greater Golden Horseshoe Region (GGH) by individuals who are not citizens or permanent residents of Canada or by foreign corporations (foreign entities) and taxable trustees.\nLand Transfer Tax vs Non-Resident Speculation Tax\nThe NRST applies in addition to the general Land Transfer Tax (LTT) in Ontario.\nProperties subject to Non-Resident Speculation Tax\nThe NRST applies to residential properties containing at least one, but not more than six, single family residence(s). Examples of single-family residences include fully detached homes, semi-detached homes, townhouses, condominiums and apartment units. Examples of residential properties containing more than one family residence include duplexes, triplexes, fourplexes, etc.\nNRST is not applicable to rental apartment buildings that contain more than six units, commercial property, industrial property, or agricultural property. Agricultural land containing a single residence is deemed to be exclusively agricultural.\nWhen a property includes a residential component combined with another land use type, the NRST is only applicable to the residential component of the property.", "domain": "finance"}
{"url": "http://indianadunes.ncs99s.org/zelle-payment-instructions/", "date": "2023-10-04T22:57:47Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233511424.48/warc/CC-MAIN-20231004220037-20231005010037-00852.warc.gz", "language_score": 0.8682312369346619, "token_count": 238, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__213062680", "lang": "en", "text": "Kentucky Bluegrass NCS Spring Section Zelle Instructions\nTo pay the Kentucky Bluegrass for the NCS Spring section meeting online, you will need a Zelle account. If you need help setting up Zelle, click here.\n**NOTE**: Many thanks for everyone’s patience as we try accepting money this way for the first time. It appears that you can only use Zelle to send us money if your bank is already set up with Zelle. Contact your bank if you aren’t sure. If they are not, the only way to send us money is by check.\nOnce you already have Zelle set up, follow the instructions below to send money for your registration.\nStep 1: Open the app, tap “Send”.\nStep 2: Type in (502) 419-7938 into the search bar to pay Terri Donner for the Spring Section Meeting.\nStep 3: Type in your total owed for registration. Tap “Review”.\nStep 4: Add to the memo, “NCS Online Registration”. Tap “Send” and you’re done!", "domain": "finance"}
{"url": "http://ir.ardelyx.com/node/8776/html", "date": "2018-11-20T16:10:18Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2018-47/segments/1542039746465.88/warc/CC-MAIN-20181120150950-20181120172950-00486.warc.gz", "language_score": 0.9135885238647461, "token_count": 708, "dump": "CC-MAIN-2018-47", "global_id": "webtext-fineweb__CC-MAIN-2018-47__0__77728921", "lang": "en", "text": "SECURITIES AND EXCHANGE COMMISSION\nWashington, D.C. 20549\nPursuant to Section 13 or 15(d)\nof The Securities Exchange Act of 1934\nDate of Report (Date of earliest event reported): September 15, 2017\n(Exact name of registrant as specified in its charter)\n(State or other jurisdiction\n34175 Ardenwood Blvd., Suite 200\nFremont, CA 94555\n(Address of principal executive offices, including Zip Code)\nRegistrants telephone number, including area code: (510) 745-1700\nCheck the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:\n|☐||Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)|\n|☐||Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)|\n|☐||Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))|\n|☐||Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))|\nIndicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).\nEmerging growth company ☒\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒\n|Item 5.02||Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officer.|\nSeptember 15, 2017, was Bryan Shaws last day of employment with Ardelyx, Inc. (the Company). Mr. Shaw served the Company as Vice President, Corporate Controller and Chief Accounting Officer from December 1, 2016 through September 15, 2017. The Company expects to provide Mr. Shaw with the severance benefits set forth in his previously filed Change of Control Severance Agreement, conditioned upon the receipt of a general release of claims against the Company.\nIn addition, on September 15, 2017, the Company appointed its current Chief Financial Officer, Mark Kaufmann, to the role of Principal Accounting Officer, effective as of September 15, 2017. Mr. Kaufmann has served as the Companys Chief Financial Officer since May 2014, and formerly served as our Chief Business Officer from August 2011 until May 2014. His compensation shall not change as a result of this appointment. Mr. Kaufmann has not been involved in any transactions that would require disclosure under Item 404(a) of Regulation S-K.\nPursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.\n|Date: September 18, 2017||ARDELYX, INC.|\n|Chief Financial Officer|", "domain": "finance"}
{"url": "https://hudson-law.ca/top-3-estate-planning-traps-for-blended-families/", "date": "2023-09-23T04:15:04Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2023-40/segments/1695233506479.32/warc/CC-MAIN-20230923030601-20230923060601-00229.warc.gz", "language_score": 0.9697190523147583, "token_count": 509, "dump": "CC-MAIN-2023-40", "global_id": "webtext-fineweb__CC-MAIN-2023-40__0__183367488", "lang": "en", "text": "Wills and estate planning become much more complex if you are in a blended family situation, or if you are going through a divorce or separation. In this post, “blended family” is used to describe a family consisting of a couple and their children from this relationship and all previous relationships.\nChild and Spousal Support\nIf you are paying child support, this should be acknowledged and addressed in your Will. Generally, amounts to cover your child support obligations should be carved out of your estate by a testamentary trust or by way of a life insurance policy. If you do not leave sufficient amounts to your children, they may sue your estate.\nYour spousal support obligations may cease at the time of your passing, although this may not be true of the divorce/settlement agreement or divorce judgment provides otherwise. Your obligations after your death can also depend on whether you and your former partner were common-law (i.e., adult interdependent partners) or married.\nGuardianship and Access Considerations\nNormally if your child’s other parent (e.g., your former partner) survives you, he or she will become the Guardian of your child. However, your current spouse (i.e., the step-parent) will likely to continue a relationship with the child. You Will can express your desire that your current spouse have access to you child after your passing.\nEnduring Powers of Attorney and Personal Directives\nThe spouse is appointed as the Attorney or Agent under the Enduring Power of Attorney or Personal Directive. In a blended family situation, the issue of choosing your Attorney or Agent can be much more complicated. Should you appoint your second spouse? Perhaps a child from the first marriage? Or a child from the first marriage together with a child from the second marriage?\nThere are several issues to be considered and addressed. For example, you may want to include a provision in your Enduring Power of Attorney that requires an annual accounting by your Attorney to your children from the first marriage. If you have significantly more assets than your second spouse, you may wish to include directions in the Personal Directive about how long you are to remain living independently if you become incompetent, in an attempt to minimize allegations by your former spouse or children from the first marriage that you are being kept in your home to provide accommodation and payment of expenses for your second spouse.\nWills and estate planning for blended families can tricky. Speak with a professional who can help guide you through the various issues involved.", "domain": "finance"}
{"url": "http://transferpriceindex.com/2011/09/transfer-inflation-1112-update-2/", "date": "2016-07-26T08:23:22Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2016-30/segments/1469257824757.62/warc/CC-MAIN-20160723071024-00050-ip-10-185-27-174.ec2.internal.warc.gz", "language_score": 0.9578014016151428, "token_count": 683, "dump": "CC-MAIN-2016-30", "global_id": "webtext-fineweb__CC-MAIN-2016-30__0__55132864", "lang": "en", "text": "By Dan Kennett and Paul Tomkins.\nAs first introduced as part of Pay As You Play, the Transfer Price Index (TPI) rests upon the basic economic concept of expressing all values in a constant currency no matter the year they took place. This is done by calculating the average transfer fee between two adjacent seasons and using it to either inflate (increase prices) or deflate (decrease) transfer fees from one season to the next.\nTPI takes all transfer fees in the Premier League era and converts them to a Current Transfer Purchase Price (CTPP). This allows us to compare the relative costs of players, starting XIs, and squads over time.\nPay As You Play was published in November 2010 and CTPP was 2009/10 prices. This article provides an update on transfer inflation since publication.\nIn 1992/93 at the start of the Premier League, the average transfer fee was just £594,000\nIn 2010/11 the average value of a Premier League transfer went up 22.1% to £4.83m on 2009/10, only marginally below 2008-09’s all-time high of £5.06m.\nThe 2011/12 figures cannot be finalised until after the end of the January 2012 transfer window but the average transfer is currently up another 2.2% to £4.94m\nThe cumulative Transfer Price Index is running at 730% for the 20 year history of the Premier League compared to a Bank of England cumulative Consumer Price Index of 77.1%. This highlights the massive difference between standard daily life inflation and what we call ‘football inflation’, to show that saying “in today’s money” does not work with the traditional method (which is roughly ten times lower than TPI).\nCumulative TPI is not too dissimilar to the cumulative ticket inflation at top Premier League clubs as revealed by David Conn in The Guardian. This isn’t to say that the average transfer fee increases year on year regardless. Six seasons have seen a fall, most recently a significant post-credit-crunch crash of 22% in 2009/10. But the overall trend is clearly upward.\nA simple example of how TPI can be used is to note that between 2002 and 2007 the average price of a transfer was around the £2m mark; so a player who cost £20m was ten times the average paid by clubs. In 2011, ten times the average is almost £50m. So a £20m player five or six years ago is akin to a £50m player today.\nEarly in the Premier League era, when the British transfer record was £5m (Chris Sutton to Blackburn), the average fee was roughly ten times less that amount. Currently, with the average fee at around £5m, the record is … roughly ten times that amount (Fernando Torres to Chelsea).\nIf inflation continues at the same rate as it has in the past decade, then in ten years’ time the average fee will be c.£8m per player, and the record fee paid by a British club will be around £80m. However, providing they can work it within the Financial Fair Play Rules, it’s not unthinkable to imagine Manchester City spending that amount on a player well before 2021.", "domain": "finance"}
{"url": "http://dailytrade.net/dt/viewtopic.php?f=3&t=15&sid=3f40e295d7f91294dcf77a5fcf88f15a", "date": "2022-08-08T14:15:35Z", "file_path": "s3://commoncrawl/crawl-data/CC-MAIN-2022-33/segments/1659882570827.41/warc/CC-MAIN-20220808122331-20220808152331-00727.warc.gz", "language_score": 0.9397412538528442, "token_count": 108, "dump": "CC-MAIN-2022-33", "global_id": "webtext-fineweb__CC-MAIN-2022-33__0__157799627", "lang": "en", "text": "Tesla (TSLA) received an Overweight rating from Morgan Stanley’s Adam Jonas on Wednesday on the basis of the electric vehicle maker’s software and services business.\nThis is the first time since 2017 that Morgan Stanley has lifted Tesla’s rating to the equivalent of a Buy. Jonas also raised his price target on the stock to $540 from $360. That’s about 22% upside from where the stock closed on Tuesday.\nDiscuss Stock topics\n1 post • Page 1 of 1", "domain": "finance"}