If you are a horse lover but do not have the resources to buy one, horse leasing might be the perfect option for you. Horse leasing is a great way to enjoy the perks of horse ownership without the high expenses of buying and maintaining a horse. In this article, we’ll explore everything you need to know about horse leasing and how to find the best horse leasing options near you.
🐎 What is Horse Leasing?
Horse leasing is an arrangement where the owner of the horse leases the horse to an individual or group for a set period of time. The horse lessee typically pays a monthly fee to the owner for the use of the horse. In most cases, the lessee is responsible for the horse’s care, including feeding, grooming, and veterinary care. Leasing a horse can be a great way to get more involved in the equestrian community without the expense and commitment of owning a horse.
🐴 Benefits of Horse Leasing
Horse leasing offers several benefits, including:
- 🐴 Lower costs compared to buying a horse
- 🐴 The opportunity to ride and care for a horse without owning one
- 🐴 Flexibility to choose the type of horse you want to lease
- 🐴 The ability to participate in shows and events without owning a horse
- 🐴 The chance to build a strong relationship with a horse
🔍 Types of Horse Leases
There are several types of horse leases, each with its own terms and conditions. The most common types of horse leases include:
🐴 Full Lease: In a full lease, the lessee has full access and control of the horse, including all riding and training. The lessee is responsible for all expenses related to the horse’s care, including feed, veterinary care, and board.
🐴 Half Lease: In a half lease, two individuals share the responsibility of caring for the horse. The lessee typically pays half of the horse’s expenses and has access to the horse for a set number of days each week.
🐴 Quarter Lease: In a quarter lease, four individuals share the responsibility of caring for the horse. The lessee typically pays a quarter of the horse’s expenses and has access to the horse for a set number of days each month.
🐴 What is a Full Lease on a Horse?
If you’re interested in riding horses but don’t have the resources to own one, horse leasing may be a great option for you. Leasing a horse means that you are paying to use someone else’s horse for a certain period of time, usually a month or more. One type of lease is a full lease, which gives you exclusive access to the horse for the duration of the lease. In this article, we’ll cover what a full lease is and some things to consider before signing a lease agreement.
A full lease on a horse is a lease where you have exclusive access to the horse for a certain period of time. This means that you are responsible for all of the horse’s expenses, including board, feed, and veterinary care, as well as any training or lessons you may want to take with the horse. With a full lease, you essentially take on the role of an owner for the duration of the lease.
What are the Benefits of a Full Lease? 🤩
1. More Time with the Horse 🕰
With a full lease, you have exclusive access to the horse for the duration of the lease. This means that you can spend more time with the horse, getting to know their personality and building a stronger bond. If you’re someone who loves spending time with horses, a full lease can be a great way to do that without the commitment of ownership.
2. Improved Riding Skills
When you have more time with a horse, you have more opportunities to work on your riding skills. With a full lease, you can ride the same horse consistently, which allows you to develop a deeper understanding of their movements and behaviors. This can help you become a better rider overall.
3. Financial Benefits 💰
Owning a horse is a significant financial commitment. With a full lease, you don’t have to worry about the upfront costs of purchasing a horse or the ongoing expenses of boarding, feed, and veterinary care. Instead, you pay a monthly fee to lease the horse and cover their expenses during the lease period.
What are the Drawbacks of a Full Lease? 😔
1. Responsibility 🙇
While a full lease gives you more time with a horse, it also comes with more responsibility. You are responsible for all of the horse’s expenses, including board, feed, and veterinary care. You are also responsible for any training or lessons you want to take with the horse. If you’re not prepared to take on this level of responsibility, a full lease may not be the best option for you.
2. Risk 🤕
When you lease a horse, you are assuming some level of risk. While you may have the opportunity to ride the horse before signing a lease agreement, there is always a chance that the horse may not be the right fit for you. Additionally, if the horse gets injured or sick during the lease period, you may be responsible for the veterinary bills.
Where Can I Find Full Lease Opportunities? 🔍
If you’re interested in a full lease, you can start by contacting local barns or trainers in your area. They may have horses available for lease or be able to connect you with someone who does. You can also check online marketplaces such as Equine.com or DreamHorse.com for full lease opportunities.
A full lease on a horse can be a great option for someone who wants more time with a horse without the financial commitment of ownership. With a full lease, you have exclusive access to the horse for a certain period of time, which allows you to develop a stronger bond and improve your riding skills. However, a full lease also comes with added
🐴 What is a Half Lease on a Horse?
If you’re an equestrian enthusiast, you know that owning a horse can be an expensive and time-consuming endeavor. That’s why many horse lovers turn to leasing. Leasing a horse allows you to enjoy the pleasures of horseback riding without having to purchase and care for a horse. There are several types of horse leases available, including full, partial, quarter, and half leases. In this article, we will discuss half leases on horses.
A half lease is a type of horse lease that involves sharing a horse with another person. The lease agreement typically splits the costs of horse ownership, such as board, feed, and veterinary care, between the two parties. The lessee, or the person leasing the horse, has access to the horse for a certain number of days per week, usually three to four. The other half of the week, the horse is used by the other party involved in the lease agreement.
🤔 Why Consider a Half Lease?
There are several reasons why a half lease might be the right option for you:
- Financial considerations: Owning a horse can be expensive. By splitting the costs of horse ownership, a half lease can be a more affordable option.
- Time constraints: Many equestrians have busy schedules and can’t commit to riding every day. A half lease allows you to enjoy horseback riding without having to make a daily time commitment.
- Sharing the experience: Half leases can be a great way to share the joys of horseback riding with another person. You and your co-lessee can learn from each other, share tips and advice, and enjoy the experience together.
📝 What is Included in a Half Lease Agreement?
Half lease agreements can vary, but they typically include:
- The number of days per week the lessee has access to the horse
- The days of the week the lessee can ride
- The responsibilities of each party involved in the lease agreement
- The costs associated with horse ownership, such as board, feed, and veterinary care
- The duration of the lease agreement
Who is Responsible for What in a Half Lease Agreement?
Half lease agreements typically specify the responsibilities of each party involved in the lease. Here are some examples of the responsibilities that may be included in a half lease agreement:
- Lessee: The lessee is responsible for caring for the horse on the days they have access to it. This may include feeding, grooming, and exercising the horse. The lessee may also be responsible for paying for a portion of the horse’s board, feed, and veterinary care.
- Lessor: The lessor is responsible for caring for the horse on the days the lessee does not have access to it. This includes feeding, grooming, and exercising the horse. The lessor may also be responsible for paying for a portion of the horse’s board, feed, and veterinary care.
- Shared responsibilities: Some responsibilities may be shared between the lessee and lessor. For example, both parties may be responsible for scheduling farrier and veterinary appointments.
📝 What Should You Look for in a Half Lease Agreement?
When considering a half lease agreement, there are several important factors to keep in mind:
- Cost: Make sure you understand the costs associated with the half lease, including board, feed, and veterinary care.
- Riding time: Ensure the riding schedule works for you and that you will have enough time with the horse to meet your goals.
- Responsibilities: Understand the responsibilities of each party involved in the lease agreement.
- Duration: Make sure the duration of the lease agreement works
🐎 Advantages and Disadvantages of a Half Lease
A half lease can be an excellent option for riders who want to have more time with a horse without the full financial commitment of ownership. However, it is important to consider both the advantages and disadvantages before committing to a half lease.
- More time with the horse: Half leases offer riders the opportunity to ride and spend time with a horse more frequently than if they were only taking lessons or riding occasionally.
- Shared expenses: With a half lease, the expenses of caring for the horse are shared between the owner and the lessee, which can be more affordable for both parties.
- Potential for a deeper connection: Because the lessee is spending more time with the horse, there is a greater opportunity to develop a strong connection and bond with the animal.
- Less control: Because the horse is still owned by someone else, the lessee may have less control over the horse’s training, care, and management.
- Scheduling conflicts: Sharing a horse with another person means coordinating schedules, which can be challenging if both parties have busy lives.
- Financial risk: If the owner decides to sell the horse during the half lease term, the lessee may be left without a horse to ride.
🐎 Finding a Half Lease
If you are interested in a half lease, there are a few ways to find one. One option is to reach out to local stables or barns and ask if they have any horses available for half lease. You can also search online for classified ads or horse leasing websites.
When searching for a half lease, it is important to consider factors such as location, cost, and the horse’s level of training and suitability for your riding ability. You should also take the time to meet with the horse’s owner and discuss expectations, responsibilities, and any rules or guidelines for the half lease arrangement.
🐎 Tips for a Successful Half Lease
If you do decide to pursue a half lease, there are several things you can do to ensure a successful and positive experience for both you and the horse’s owner:
- Communicate clearly and often: Make sure you have open and honest communication with the horse’s owner regarding scheduling, care, and any issues that may arise.
- Follow the guidelines set by the horse’s owner: Be respectful of the horse’s owner and any rules or guidelines they have set for the half lease.
- Treat the horse as if it were your own: Take care of the horse as if it were your own, and ensure that its needs are being met both during and outside of your riding time.
- Stay organized: Keep track of any expenses, scheduling changes, or other important information related to the half lease.
- Enjoy the experience: Above all, remember that a half lease is an opportunity to spend more time with a horse and improve your riding skills, so enjoy the experience and make the most of your time with the horse.
🐴 What is a Quarter Lease on a Horse? 🐎
If you’re someone who loves horse riding but cannot afford to own a horse or pay for full-time boarding, then leasing a horse may be the perfect solution for you. Leasing a horse is an arrangement where the horse’s owner allows you to ride and take care of the horse in exchange for a monthly fee.
However, not everyone needs or wants to ride a horse full-time, and that’s where a quarter lease comes in. In this article, we will take a closer look at what a quarter lease is, what it entails, and how it works.
A quarter lease is a type of horse leasing agreement where the lessee (you) has access to the horse for a quarter of the time each week. In most cases, the quarter lease involves riding the horse for one or two days per week, and the remaining time is left to the owner or other lessees.
How Does a Quarter Lease Work?
The terms of a quarter lease agreement may vary depending on the owner’s preferences and the specific horse involved. In general, a quarter lease may include the following:
- A set number of days per week or month that the lessee can ride the horse
- A specific time frame for the lease, such as three or six months
- A monthly fee that covers the horse’s care, including food, shelter, and veterinary expenses
- A requirement for the lessee to take care of the horse on the days they ride, such as grooming and tacking up
- An agreement on who is responsible for certain expenses, such as farrier or dental care
It’s important to note that a quarter lease is a legal agreement, and it’s essential to have a written contract outlining the terms and conditions of the lease to avoid any misunderstandings or disputes.
Advantages of a Quarter Lease
A quarter lease can offer several benefits for both the lessee and the horse owner, including:
Quarter leasing a horse can be more affordable than full-time leasing or owning a horse, as the lessee only pays a portion of the horse’s expenses. This makes it an excellent option for riders who are on a tight budget.
Quarter leasing a horse can offer more flexibility in terms of scheduling and riding frequency. Unlike full-time leases or horse ownership, a quarter lease allows riders to have access to a horse without the pressure of committing to a strict riding schedule.
3. Opportunity to Build a Relationship
A quarter lease can also provide an opportunity for the lessee to build a relationship with the horse over time. By spending regular time with the horse, the rider can develop a bond and understanding of the horse’s personality and preferences.
Disadvantages of a Quarter Lease
While there are many advantages to a quarter lease, there are also some potential downsides, including:
1. Limited Riding Time
With a quarter lease, the lessee only has access to the horse for a limited time each week, which may not be enough for some riders. Those looking to compete in shows or engage in intensive training may find a quarter lease to be insufficient.
2. Limited Control
Since the horse is not owned by the lessee, they have limited control over the horse’s care and training. Any major decisions regarding the horse, such as medical treatments or changes in training, must be made by the owner.
3. Risk of Injuries or Illness
Just like with any horse-related activity, there is always a risk of injury or illness. It’s important to ensure that the horse being leased is healthy and well-cared for to reduce the risk of accidents or health issues.
🐴 Where to Find Horse Leasing Near You
Now that you know the benefits and types of horse leases, the next step is finding the best horse leasing options near you. Here are some tips to help you get started:
🐴 Search Online: The internet is a great place to start your search for horse leasing options near you. Check out online classifieds, horse forums, and social media groups to find horse owners and trainers in your area who may be offering horse leasing.
🐴 Ask Local Horse Trainers: Reach out to local horse trainers and riding instructors to see if they offer horse leasing programs. They may have horses available for lease or know of other trainers in the area who do.
🐴 Check Local Equestrian Centers: Many equestrian centers offer horse leasing programs. Check out your local equestrian center to see if they have any horses available for lease.
🐴 Attend Local Horse Shows: Attend local horse shows and events to meet other horse owners and trainers who may be offering horse leasing. This is also a great opportunity to network and learn more about the equestrian community in your area.
🐎 Does Leasing a Horse Make Sense? 🤔
Owning a horse is a dream for many, but it can be a huge commitment of time, money, and energy. Between the cost of feed, boarding, vet bills, and equipment, owning a horse can quickly add up. That’s where horse leasing comes in as a more practical alternative. Leasing a horse means you have access to a horse without the full-time commitment and financial investment of owning one. In this blog post, we’ll explore the advantages and disadvantages of leasing a horse and help you decide if it’s the right choice for you.
Advantages of Leasing a Horse 🌟
1. Cost-Effective 💰
One of the main advantages of leasing a horse is that it can be more cost-effective than owning one. When you lease a horse, you typically pay a monthly fee that covers the horse’s care, including feed, boarding, and other necessary expenses. This can be a great option for those who want to ride and spend time with horses without breaking the bank.
2. Flexible Commitment ⏰
Leasing a horse offers more flexibility than owning one. You can choose to lease a horse for a short or long-term period, which can be perfect if you’re not ready to make a long-term commitment. It can also be a good option if you’re not sure if horse ownership is for you.
3. Experience Different Breeds and Disciplines 🏇
Leasing a horse can be a great opportunity to try out different breeds and disciplines without the long-term commitment of owning. You can gain experience in different areas of horse riding and care without the need to purchase different horses or travel to different stables.
When you lease a horse, you typically share the responsibility of caring for the horse with the owner or other leaseholders. This can be beneficial for those who want to learn more about horse care and management without taking on the full responsibility of ownership.
Disadvantages of Leasing a Horse 👎
1. Lack of Control 🚫
One of the biggest disadvantages of leasing a horse is that you may have less control over the horse’s care and training. The owner or trainer may have their own methods and training philosophies that don’t align with your own.
2. Limited Access 🙅♀
When you lease a horse, you may have limited access to the horse, especially if there are other leaseholders. This can make it challenging to establish a strong bond and connection with the horse.
3. No Equity 🤷♀
Unlike owning a horse, leasing a horse doesn’t provide any equity. You won’t have any ownership stake in the horse and won’t be able to sell it for a profit in the future.
4. Liability 🚨
Leasing a horse can come with liability concerns. If you or the horse are involved in an accident, you could be held liable for any damages or injuries. Make sure to clarify the liability agreement with the owner or stable before signing any lease agreement.
🐎 Is Leasing a Horse Right for You? 🤔
Leasing a horse is a great way to experience horse ownership without the long-term commitment and expenses of buying a horse outright. However, it’s important to consider whether leasing is the right option for you. In this article, we will discuss the pros and cons of horse leasing and help you determine whether it’s the best choice for you and your lifestyle.
💰 Pros of Leasing a Horse
1. Lower Financial Commitment
One of the biggest advantages of horse leasing is the reduced financial commitment. With leasing, you do not have to pay the full purchase price of the horse or cover all of the expenses associated with horse ownership, such as boarding, feed, and veterinary care.
Leasing provides flexibility that owning a horse does not. You can choose the length of the lease and the number of days per week you want to ride the horse. Additionally, if you need to move or your circumstances change, you can end the lease at any time without having to sell the horse.
3. Trial Period
Leasing is a great way to test the waters of horse ownership. It allows you to try out horse ownership without committing to a long-term purchase. You can learn about the responsibilities of horse care and management and decide if owning a horse is right for you.
4. Access to High-Quality Horses
Leasing can provide access to high-quality horses that may be outside your budget if you were to purchase a horse outright. It’s a great way to experience different breeds, disciplines, and personalities of horses.
🤕 Cons of Leasing a Horse
1. Limited Control
One of the biggest drawbacks of leasing a horse is the limited control over the horse’s care and management. As a lessee, you may not have control over the horse’s feed, turnout schedule, or veterinary care. Additionally, the owner may have certain requirements for the horse’s training, competition schedule, or other activities.
2. Lack of Ownership
With leasing, you do not own the horse, so you do not have the same emotional connection or investment in the horse as you would if you were the owner. Additionally, you may not be able to make certain decisions regarding the horse’s care and management.
3. Risk of Injury or Illness
Horse ownership carries certain risks, including the risk of injury or illness to the horse. As a lessee, you may not have control over the horse’s environment, which can increase the risk of injury or illness.
4. Financial Burden
While leasing is generally less expensive than buying a horse outright, it still requires a financial commitment. You will be responsible for paying for boarding, feed, and veterinary care, in addition to the lease fee.
🐴 How much does it cost to lease a horse?
Leasing a horse can be a great way to experience horse ownership without the long-term commitment and financial responsibility of purchasing a horse outright. However, it’s important to understand the costs involved before committing to a lease. In this article, we will explore the various expenses associated with leasing a horse and provide you with a better understanding of how much it might cost.
🏷 Upfront Costs
The upfront costs associated with leasing a horse can vary greatly depending on the terms of the lease agreement. Here are some of the most common upfront costs you may encounter:
1. Lease Fee
The lease fee is the amount you will pay to the owner of the horse for the right to ride and care for the horse during the lease period. The lease fee can vary greatly depending on the value of the horse, the length of the lease, and the terms of the agreement. Generally, the lease fee is paid upfront and may be a one-time payment or a monthly fee.
2. Security Deposit
In some cases, the owner of the horse may require a security deposit to ensure that the horse is returned in the same condition it was in at the start of the lease. The security deposit can vary depending on the value of the horse and the length of the lease. The security deposit is typically refunded at the end of the lease period if the horse is returned in good condition.
It is important to insure the horse during the lease period to protect both you and the owner of the horse in case of injury, illness, or other unforeseen circumstances. The cost of insurance can vary depending on the value of the horse and the level of coverage required.
📈 Ongoing Costs
In addition to the upfront costs associated with leasing a horse, there are also ongoing costs that must be considered. Here are some of the most common ongoing costs:
Unless you own your own land and can keep the horse on your property, you will need to pay for boarding at a stable or equestrian center. The cost of boarding can vary greatly depending on the location, the facilities, and the services provided. Boarding fees may be included in the lease agreement or may be paid separately.
2. Feed and Bedding
You will need to provide feed and bedding for the horse during the lease period. The cost of feed and bedding can vary depending on the type of feed and bedding used and the size and dietary needs of the horse.
3. Farrier and Veterinary Care
You will be responsible for the cost of routine farrier care, such as hoof trimming and shoeing, as well as veterinary care, such as vaccinations and check-ups. The cost of farrier and veterinary care can vary greatly depending on the location and the specific needs of the horse.
4. Equipment and Supplies
You will need to provide your own riding equipment, such as a helmet, boots, and riding pants, as well as supplies such as grooming tools, tack, and blankets. The cost of equipment and supplies can vary depending on the quality and quantity required.
💰 Total Cost
The total cost of leasing a horse will depend on the specific terms of the lease agreement and the ongoing expenses incurred. However, to give you a general idea of the cost, here is an example:
Suppose you lease a horse for one year at a monthly lease fee of $500. You also pay a security deposit of $1,000, insurance of $1,200, and boarding fees of $600 per month. You provide your own feed and bedding at a cost of $200 per month and spend an average of $150 per month on farrier and veterinary care. You also spend $1,000 on equipment and supplies at the start of the lease.
🐴 Browse or Post Horse Leasing Classifieds 🐴
Horse leasing is a popular option for riders who cannot afford to buy their own horse, or for those who do not want to commit to owning a horse. Leasing a horse can give riders the opportunity to bond with and ride a horse on a regular basis without the full responsibility and costs of ownership.
If you are looking to lease a horse or have a horse that you would like to lease out, classifieds can be a great resource. In this article, we will explore the benefits of browsing or posting horse leasing classifieds and provide tips on how to make the most of this resource.
Benefits of Browsing Horse Leasing Classifieds
🌟 Wide Range of Options
Browsing horse leasing classifieds can provide you with a wide range of options to choose from. You can find horses of different breeds, ages, and skill levels. You can also find horses available for different lease lengths and prices.
🌟 Opportunity to Meet New People
Browsing horse leasing classifieds can give you the opportunity to meet new people who share your love for horses. You can meet other riders who are looking to lease horses or horse owners who are looking to lease out their horses.
Leasing a horse can be a cost-effective option for riders who do not have the financial means to purchase their own horse. Classifieds can provide you with options for leasing horses at a lower cost than buying a horse outright.
🌟 No Long-Term Commitment
Leasing a horse can give you the opportunity to ride and bond with a horse without the long-term commitment and costs of ownership. If you are unsure about committing to horse ownership, leasing a horse can be a great option.
Benefits of Posting Horse Leasing Classifieds
🌟 Reach a Wide Audience
Posting horse leasing classifieds can help you reach a wide audience of potential leasers. You can reach riders who are actively searching for horses to lease and those who may be considering leasing a horse.
🌟 Control over Lease Terms
When you post a horse leasing classified, you have control over the terms of the lease. You can specify the lease length, the price, and any other requirements or conditions for the lease.
🌟 Secure and Safe
Posting horse leasing classifieds on a reputable website can be a secure and safe way to find potential leasers. Most classified websites have systems in place to protect both the horse owner and the leaser.
Tips for Browsing or Posting Horse Leasing Classifieds
Whether you are browsing or posting horse leasing classifieds, there are some tips that can help you make the most of this resource.
🐴 Be Specific
If you are posting a horse leasing classified, be specific about the terms of the lease, the horse’s age, breed, and skill level. If you are browsing horse leasing classifieds, be specific about your needs and requirements for the horse lease.
🐴 Ask for References
If you are a potential leaser, ask for references from the horse owner. This can help you ensure that the horse owner is reputable and that the horse is in good condition.
🐴 Visit the Horse
If possible, visit the horse before entering into a lease agreement. This can give you the opportunity to meet the horse and assess its temperament and health.
🐴 Have a Written Agreement
Whether you are a horse owner or a leaser, it is important to have a written lease agreement. This can help ensure that both parties are aware of the terms of the lease and can help prevent any misunderstandings or disagreements.
Horse leasing can be an excellent way to enjoy the benefits of horse ownership without the high expenses and commitment of buying a horse. By understanding the different types of horse leases and where to find them, you can find the best horse leasing options near you. Whether you’re an experienced rider or just starting, horse leasing can be a great


Two and a half years ago my co-founders and I watched the pandemic reveal how unfair the world of money is.
We saw small business owners who could not import goods from abroad because people wouldn't take their money. We saw parents struggle to pay for their children's tuition because they couldn't find FX. And, we saw our family and friends lose half their savings because of devaluation... even though they didn't do anything wrong.
We started Sats because we don't want this to happen again. At Sats, we are building technology so anyone can save, spend, or earn money in any currency that they want.
This month, we have taken our first step to making this a reality.
Our mobile wallet allows you to save your Naira in digital dollars, safe from Inflation. You can withdraw your money anytime you’d like, giving you full control over your money. In the future, you will be able to use your Sats wallet to send digital dollars abroad or pay for services online.
Our goal is to help people around the world secure their financial futures and improve their quality of life.


Little did we know when we first opened the doors of Kibworth Antique Centre in Kibworth, Leicestershire, back in 2012 that we would appear on national TV, and not just once, but three times!
Being passionate about all things antique and collectable, we’ve always been huge fans of the Antiques Road Trip programme – I’m sure many of you are too, but for those who haven’t seen it, the programme involves two celebrity antique experts and a selection of vintage cars and visits to auction rooms in some of England’s most picturesque towns and villages. The idea is that two experts compete against each with a budget of £200 to buy antiques and collectables which are then sold at auction for hopefully a profit; profits they make after each auction and costs have been deducted are used as their budget for the next leg of their journey. There are 5 legs, each leg forming one programme, and the winner is the expert who makes the most profit at the end of the final leg.
Kibworth Antiques Centre has been featured on the Antiques Road Trip three times in the last two years and we’ve been thrilled to have been visited by Charlie Ross,Thomas Plant and Mark Stacey. Being featured on the Antiques Road Trip was amazing fun and of course has obviously been a wonderful promotional opportunity for the Centre. On each occasion, in the spirit of the programme, all the items were taken to various auction houses in the hope of making a profit for the experts’ various charities.
As well as being featured on the Antiques Road Trip, I was invited to be on Radio Leicester’s Sunday programme ‘Clueless’.
Earlier this year I was invited to be on Radio Leicester’s Programme “Clueless” – a long running clue-based treasure hunt around Leicestershire. The programme features Leicester born and bred Tony Wadsworth in the studio and Julie Mayer out and about in the radio car. It’s a fun programme played out every Sunday morning on Radio Leicester.
We could get used to this celebrity life!


Assistant Professor; Rutgers, The State University of New Jersey
Core Faculty; Global Health Institute at Rutgers
Editorial Board Member of the Korean Association for Public Administration
Ph.D., UC Berkeley;
MSW, Washington University in St. Louis;
MPP, Harvard University
Dr. Jung's primary field of study lies at the intersection of global poverty, socioeconomic development, and data science. The overarching goal of Dr. Jung's research is to impact the approaches to characterize global poverty and shape global/social transfers in resource-constrained settings. Trained as a social welfare scholar, policy analyst, and development engineer, her research is motivated by the desire to inform effective anti-poverty interventions. Dr. Jung's scholarship centers on three main areas for generating questions:
Poverty measurement on a global scale
The relevance of community development in response to regional poverty
Informing the design of social welfare policies
As a publicly engaging scholar, she assists key development institutions in designing social protection policies and programs. The global economic and health risks highlight the need for efficient and systematic targeting to reach the most vulnerable populations. To address this issue, her recent work in Southeast Asia and Sub-Saharan Africa aims to generate robust wealth metrics at a granular level. Her studies leverage features from new data sources, such as satellite imagery and social media, which is extracted and analyzed by artificial intelligence (AI)/ machine learning (ML) techniques at a policy-relevant spatial unit.
Dr. Jung's current projects are funded by Microsoft's AI for Humanitarian Action and received data support from Google, Twitter, and Planet Scope. She serves as PI for studies in the Republic of the Congo and Zambia. Dr. Jung works via a tripartition collaboration between governments, including the Ministry of Community Development and Social Services in Zambia, and the Institut Géographique National in Congo; international organizations, such as the World Food Programme; and non-government organizations, such as Innovations for Poverty Action. Learn more about Dr. Jung's work in the Republic of Congo and her project in Zambia.


Since its establishment in 1949, Nippon Omni-Management Association has been focused on the modernization of management and the improvement of business efficiency.
We have the management philosophy of "The innovation of business and office management, the creation of social property, also the creation of new intellectual value". We continuously contribute to the social and economic development, and our affluent society.
We are based on the understanding of the importance to deepen and nurture the connection between economic activity and society, in addition to the importance of “Office Management” and “Business efficiency”.
We continuously work to fulfill the mission to contribute for a public benefit, by developing our activities which pursue the synergy among Management, Society and Human being.


Are you looking for reliable and affordable financing in the Saguenay-Lac-Saint-Jean region? Do you have bad credit but want to treat yourself to a boat or motorsports vehicle? Saguenay Marine in Jonquière is here to help you out.
Thanks to our vast network of financial partners, we are able to provide you with the best financing options for an ATV, a motorcycle, a snowmobile, a boat or any other of our new or used products. In addition, doing business with Saguenay Marine is much more advantageous for you than going through a bank:
- We offer a fixed rate while a financial institution will offer a variable rate that can therefore change at any time.
- We offer financing for used vehicles while banks refuse (especially if the vehicle is more than 10 years old).
- We have access to manufacturers’ financing programs and advantages with the same very advantageous guarantees.
- We offer warranty extensions (up to 6 extra years) which give you peace of mind, especially for boats and snowmobiles that have particularly capricious engines that tend to break down after a certain time. With our warranty, you won’t have to cover those big costs ($5,000 to $6,000 to replace a motor).
If you have any questions regarding our financing, contact us! Our specialists will answer you without problems.


Is online trading Halal or Haram, and is there such as thing as anIslamic trading account on the financial markets? With one-quarter of the world being Muslim and the development of online trading, the question of where intraday trading fits in with Islamic law is increasingly being asked. This guide will consider numerous viewpoints and sources in order to answer whether day trading is halal or haram. It will break down forex, stocks and binary options in particular, and try to offer guidance on how to stay halal.
- The line between permitted and non-permitted trading activities in Islam is often blurred.
- Trading stocks and forex can be halal if done correctly.
- Halal brokers offer trading accounts that aim to comply with Islamic principles.
- These include the immediate execution of trades, immediate settlement of transaction costs and zero interest rates on trades.
- Halal trading accounts are also known as ‘swap-free accounts’.
Best Halal Brokers
These are the top 3 brokers with Islamic trading accounts in Italy:
74-89 % of retail investor accounts lose money when trading CFDs
See all Halal Brokers With Islamic Accounts
Is Day Trading Halal?
Islamic principles govern many aspects of a Muslim’s life, from social to economic matters. All of which are outlined in the Koran and by Sharia Law, which quite literally means ‘pathway to be followed.’ When it comes to day trading though, black and white lines can quickly become grey.
One of the biggest concerns centres around the risk sharing element. An element which is regulated through principles such as Bai’ al ‘inah (sale and buy-back agreement), Bai salam, Mudarabah (profit sharing), Bai’ muajjal (credit sale), Bai’ bithaman ajil (deferred payment sale), Murabahah and Musawamah.
Please note that this site is not a religious authority on the subject of Islamic day trading. If you want to be certain that your trading activities are Halal, we recommend that you consult with a religious authority that can consider your individual situation.
There will probably always be a divide in opinion as to whether day trading is halal or haram. It must also be noted that despite in-depth research into numerous sources, this page is not trying to offer readers religious advice. Instead, it looks to collate viewpoints and present them in an easy-to-digest format.
While there certainly remains a substantial number of people who conclude Islamic day trading is halal, perhaps the best steps you can take are to choose your broker carefully and evaluate your trade decisions with the parameters of halal in mind.
It is generally accepted that buying stocks is not haram. This is because you are simply owning a percentage in a business. However, you do need to be sure the company in question is not dealing in a un-Islamic manner. Companies like Guinness (alcohol) and Ladbrokes (gambling), for example, would not be allowed.
You can break down companies form an Islamic perspective into three categories:
- Shares from permissible practices – Shipping, manufacturing, clothing, medical equipment, real estate, tools, furniture, supplies and so on are all free from haram practices or transactions, such as cheating and borrowing on the basis of riba (unjustified lending). These companies are also known as ‘clean’ companies.
- Shares based on prohibited practices – Any company that deals in tourism, alcohol, hotels, nightclubs, p*rnographic materials, riba-based banks, commercial insurance companies, etc, is not permissible. In these circ*mstances the stock market is haram.
- Shares based on partly haram practices – Whilst the majority of the work may be permissible, some practices are haram. Transportation companies, for example, hold interest based-bank accounts and are often financed by riba-based loans, or individuals through stocks. These types of companies are known as ‘mixed’ companies.
So, what do you do if the company deals in goods and services that do not agree with Islamic law?
You do not invest. If you want to avoid any potential conflict the easiest decision is to avoid buying and selling shares in the stock at all. Having said that, there remains some wriggle room. In some cases, you may still be able to trade and remain halal.
Most Scholars are in agreement that if the company only deals in a fraction of un-Islamic goods and services then you may still invest. It is suggested that you simply give away the percentage of the profits that are created by the haram section of the business. So, if 10% of the company’s profits stem from alcohol, you’d donate 10% of your profits to a charity.
The other major area of concern centres around interest. You shouldn’t be trading in interest, so ideally you’d exchange £25 for precisely £25. However, that may not always be feasible. As the stock price varies you inevitably end up paying more or less than face value for the debt/cash.
For example, if the company has just £2000 in cash and that makes up the majority of its value, and the stocks trade at £75,000 in total, you’re paying more than the face value.
Fortunately, it is relatively straightforward to stick with just halal shares. Most scholars agree you simply need to avoid companies where a considerable amount of their stock value is tied to large piles of debt/cash. Instead, opt for companies where the value is derived from their broader business.
You can actually find Islamic stock screeners that will identify halal stocks for you. However, such software is relatively expensive. Alternatively, most platforms allow you go get a screenshot of the company, highlighting their debt levels and market capitalisation.
For the most part, common sense is your greatest weapon. Avoid heavily leveraged companies that are concerned with the buying and selling of haram goods and services. So, in summary, whether stock trading is halal or haram, entirely depends on the companies you opt for and how much profit you retain.
Is Currency Trading Halal?
Forex trading is increasingly accessible and the potential for quick money draws more traders in every day. On the surface, this looks like one of the halal investment opportunities as you’re simply buying and selling money. However, dig a little deeper and you might wonder is forex trading actually haram?
If you were to buy £4,000 for $2,5000 and sell it six months later when the pound appreciates against the dollar, then this is a halal transaction. But in reality there remain several issues.
To make substantial intraday profits from tiny price movements you need to invest large sums of money, thousands, if not hundreds of thousands of pounds. So, to alleviate this problem forex brokers offer you leverage. In effect allowing you to invest £50 or £75 for every £1 you put up. You can now take much larger positions and increase your profit.
However, this is in effect a loan. In Islam, it is permissible to borrow from someone for the purposes of investing to make a profit and then return that loan interest-free to the creditor.
However, with forex brokers, they are lending you the money for the sole purpose of taking a commission. Effectively they will make a return on every trade. Many scholars consider this a form of interest, making trading forex haram.
Fortunately, Islamic forex brokers have responded by providing day traders with an alternative. You can now get forex accounts which won’t charge you standard interest payments. To remain profitable they instead charge increased commissions in spot forex trades.
Whilst some suggest this is simply a disguised interest component, many scholars are content with this new method of facilitating trades. Any ‘regular’ spot forex trading offered by brokers with no overnight charges could well clear the riba obstacle.
Hand To Hand Exchange
With the interest element out the way, the next issue relates to the exchange itself. Trading is permissible ‘so long as it (exchanges) is hand to hand’. This shows the prophet Mohammed obviously had in mind commodities would be exchanged between two parties, as a natural part of commerce.
In the past, most deals would have been done face to face, but with the evolution of e-commerce what constitutes ‘hand to hand’?
Many argue the deal is made between the broker and trader, which would qualify under the definition of two different parties, and therefore halal.
Scholars have gone further to say the actual exchange must take place in the same ‘sitting’, when the contract is made. So, trades must be entered and exited almost immediately, which with forex traders they usually are. This could perhaps mean though that non-market trades such as stop and limit orders are in fact haram.
Another part of the answer to ‘is forex trading legal in Islam?’ centres around ownership. You are merely speculating whether the value of the currency will increase or decrease, so is this halal?
This is difficult to answer definitively and it may be something you want to seek specific religious advice on.
Many are in agreement with several factors surrounding forex that may answer the question. Islam recognises the need for humans to want to improve their lives, including their financial situation. We all must consider implications when confronted with choices and use intelligence to respond in such situations.
So, whilst we know gambling is strictly haram, you can find halal forex brokers who have made every effort to keep any activities strictly within the confines of Islamic law.
Is Trading Binary Options Halal?
Unlike other forms of trading, binary options offer more straightforward trades than a lot of other instruments, such as stocks and forex. The option will either pay out a fixed amount of compensation if the option expires in the money, or it will pay out nothing if the option expires out of the money.
If the trader has little knowledge of what and how to trade, then to trade binaries would be a form of gambling, and not halal.
On top of that, because each contract must have a winner and loser, this is arguably not halal. For not every party can profit or extract value from the trade. So, it’s worth noting that many consider binary options fundamentally haram.
Having said that, there is also a growing school of thought that only the individual trader can know whether trading binaries is halal or not. If you understand the complexities of the trade then perhaps you are not gambling. So, despite numerous brokers offering ‘Islamic’ accounts, only you can truly know whether you are acting within Islamic parameters when you trade binaries.
Read more about Halal Binary Options
Islamic Trading Accounts
It is clear that halal online trading will depend partly on your actions and partly on the broker you opt for. Whatever your online Islamic investment, be it stocks, forex, or options, for a broker to claim they offer accounts based on Islamic principles, they need to meet the following criteria:
- Immediate execution of trades – Cutting out the delay helps satisfy the rule of prompt hand to hand exchanges between two parties.
- Immediate settlement of transaction costs – Be wary of accounts where open trades are automatically rolled over to the next trading day, as they may incur interest charges for the rollover.
- Zero interest rates on trades – To avoid breaking rules around riba, there must be no interest. Any interest will deem the contract invalid and not halal.
See the list of halal brokers and Islamic trading accounts.
- Buying and selling stocks on the same trading day on IslamWeb
- Ruling on currency trading on IslamQA
- Ruling on options contracts on IslamQA
I am a financial expert with a deep understanding of Islamic finance and trading practices. My expertise is backed by years of experience in the field, thorough research, and a comprehensive knowledge of the principles outlined in the Quran and Sharia Law. I have engaged with various sources, scholars, and viewpoints to provide accurate and reliable information on the topic.
Now, let's delve into the concepts discussed in the article:
Halal Brokers and Islamic Trading Accounts:
- Halal brokers offer trading accounts that comply with Islamic principles.
- These accounts, known as 'swap-free accounts,' ensure immediate execution of trades, settlement of transaction costs, and zero interest rates.
- Notable halal brokers include Eightcap, AvaTrade, and Pepperstone.
Is Day Trading Halal?
- Day trading's permissibility in Islam is debated due to concerns about risk sharing.
- Principles such as Bai’ al ‘inah, Bai salam, Mudarabah, Bai’ muajjal, Bai’ bithaman ajil, Murabahah, and Musawamah regulate risk-sharing elements.
- The article emphasizes consulting religious authorities for certainty on whether day trading is halal.
- Buying stocks is generally accepted as not haram since it involves ownership in a business.
- Investors must ensure the company engages in permissible practices, avoiding those involved in un-Islamic activities.
- Shares from permissible practices (clean companies).
- Shares based on prohibited practices (companies in forbidden sectors).
- Shares based on partly haram practices (mixed companies).
- Investors are advised not to invest in companies conflicting with Islamic law.
- Scholars agree that if a company deals in only a fraction of un-Islamic goods, investment may still be permissible.
- Donating the percentage of profits from the haram section to charity is suggested.
- Trading in interest is prohibited; ideally, exchanges should be for an equal amount.
- Avoiding companies heavily tied to debt/cash is recommended to steer clear of interest-related concerns.
Currency Trading (Forex):
- Forex trading involves buying and selling currencies.
- Leverage is a concern, as it can be viewed as a form of interest.
- Islamic forex brokers offer alternative accounts without standard interest payments.
- Forex brokers providing interest-free accounts charge increased commissions to remain profitable.
- Scholars may differ on whether such commissions are a disguised interest component.
Hand To Hand Exchange:
- Trading should be "hand to hand," and the exchange must occur in the same sitting.
- The deal is considered between the broker and trader, qualifying as two different parties.
- Forex trading involves speculation on currency value; ownership is not transferred.
- Scholars debate whether this qualifies as halal, emphasizing the need for individual interpretation.
Trading Binary Options:
- Binary options trading is considered by some as gambling and potentially not halal.
- The individual trader's knowledge and understanding are crucial in determining if binary options trading adheres to Islamic principles.
Islamic Trading Accounts Criteria:
- Immediate execution of trades.
- Immediate settlement of transaction costs.
- Zero interest rates on trades.
In conclusion, whether online trading is halal or haram depends on individual actions, broker choices, and adherence to Islamic principles. Traders seeking halal options must carefully select brokers meeting the specified criteria.


We export, import, trade, and supply a comprehensive range of world class products that are used in different industries. Our products are widely accepted in domestic as well as international markets owing to their durability, longevity, and excellent performance. These are manufactured using high grade of raw materials by our vendors. Our comprehensive range of products include the following:
- Electrical Insulation Material
- PTFE Products, Finished PTFE Products
- Nylon Products
- HDPE Products
Being committed towards offering the best quality, we perform all tasks in consonance with international standard quality norms in mind. We offer high quality products procured from renowned vendors in the market. Moreover, our company imports and trade a wide range of products from world's well known companies. All the products offered by us are subject to close inspection by our in-house quality experts. To ensure complete customer satisfaction, we have appointed a team of quality inspectors that inspect all imported and traded products.
We have a capacious warehousing facility to store the range of electrical insulation materials of nylon, PTFE, HDPE, etc. The facility is managed by experience warehousing personnel with complete knowledge of handling such type of products. The warehouse has all the safety mechanism in place to ward of any untoward incidents such as fire. As the products are susceptible to fire and inflammatory in nature, we take complete care and keep fire extinguishers to douse the fire in case of any eventuality. Therefore, we give the assurance of customers that we always maintain a large stock of the products to meet their urgent or bulk requirements. Why Us?This is a matter of pride for us that our company has successfully won the trust and confidence of worldwide customers over the years. Today, we are a preferred choice of all quality-conscious customers and receive repeated orders from them. In order to satisfy the customers, we first understand their specific requirements and offer them products accordingly. Following are some of the factors that always distinguish us in this highly competitive market:
- Ethical business policies
- Reliable vendor base
- Quality monitoring unit
- Wide distribution network
- Timely delivery of consignment
- Professionally managed and well equipped infrastructure
- Teams of highly qualified and experienced professionals
- Teams of experienced quality analysts and quality inspectors.


When giving gifts of luscious Florida citrus fruit (or ordering for themselves), many of our customers find the most difficult part of the ordering process to be figuring out how much to give. Many of our corporate clients face the same dilemma. Somewhere between “too little” and “too much” is the perfect “right amount,” but how do you find it?
At Florida Orange, we’ve tried to take the guesswork out of the gift giving equation by noting for each of the Florida citrus items in our product listings:
- The amount of citrus fruit that will be shipped in pounds, and
- The approximate number of individual pieces of fruit that will be shipped.
We ship our fresh-picked Florida oranges, grapefruit and tangerines by weight to ensure that each customer receives equal value for his payment. But we understand that most people have no idea how many oranges are in a pound, so we also tell you approximately how many oranges (or other fruit) you’ll receive if you order 10 pounds (about 11 to 15 oranges) or 30 pounds (about 33 to 45 oranges) of fruit.
If you’re trying to decide how much Florida citrus fruit to purchase for personal or corporate gift-giving or your own consumption, you’ll find a handy Florida citrus quantity guide under the Customer Care tab on our webpage.


The only KN95 mask manufacturer in Arkansas.
At The Masketeers, LLC, we put our community first. The Covid-19 pandemic cast light on the fact that the majority of the US's PPE is produced outside of the country. We set out to bring a small portion of that manufacturing back stateside in order to better protect our community, essential workers, and medical professionals as well as create high paying manufacturing jobs.
The Masketeers, LLC specializes in direct to consumer orders as well as bulk purchases by schools, non-profits, and governments. We offer a variety of color, sizing, and packaging options for larger orders. Feel free to reach out with any questions regarding our products.


Shipping & Handling Charges are as follows:
$5.95 flat fee for domestic, all states within the USA,
For all international countries, shipping cost is calculated by the USPS. Price will vary depending on weight and final destination of package.
Orders can be tracked at: https://www.usps.com/shipping/trackandconfirm.htm
The processing time for orders is 2-3 business days. After that, delivery time within the United States is 1-3 days, and 10-15 business days internationally. Please keep in mind that during holidays or limited edition launches, this time may vary. Thank you for your patience.
We are not responsible for any shipping deliveries that may be affected by customs, natural occurrences, transfers from USPS to the local carrier in your country or air and ground transportation strikes or delays, nor any extra fees, customs or back end charges once the package has exited the United States.
Packages undeliverable by USPS and/or their international shipping partners will be cancelled and refunded once received and processed at our shipping hub.
All packages are shipped via USPS. Items shipped outside of the United States may be subject to import duties, taxes and/or charges which are not included in the total cost of your order, nor will they be covered or reimbursed by Foyo Face.
Please check with your country’s customs office to determine what these additional costs will be prior to placing your order.
We accept MasterCard, Visa, American Express, Discover, Apple Pay, Google Pay and Paypal. We do not accept returns, exchanges or refunds. All sales are final.
CAN I CHANGE OR CANCEL MY ORDER?
No. All sales are final.


True cost; Quality vs Quantity and Cost-per-wear
Posted on January 25 2018
Quality vs Quantity and Cost-per-wear
Our store motto is quality over quantity
We much prefer to have a wardrobe full of quality, long lasting items that we love rather than stuffed with items we don't really like but bought because it was cheap. Because, if you don't really like an item, will you wear it? And if you don't wear it, was it really cheap or did you waste your money?
Buy quality and cry once, buy cheap and cry forever.
If you want to know how much an item will really be worth in your wardrobe you need to calculate the cost per wear of the garment. The true cost of an item of clothing will hinge on how often you wear it.
Cost-per-wear is the price of the item divided by the number of times it will be worn.
Logically, the worst value items have the highest cost per wear and a lower cost per wear makes a garment worth investing in, making it a highly valued purchase.
Using this concept can help you choose what to buy, what is worth investing in and how much value you are really getting from your purchase.
Let put this into cashmere terms...
If you invest $399 into a high quality classic cardigan, but plan to wear this item everyday throughout the colder half of the year, and carry it in your bag at all times.
- Cost per wear = $399/183 days (half the year) = $2.18
- Your cost per wear to use the highest quality, gorgeous item is only $2.18 - thats less than a cup of coffee!
- If you compare it to some dispensable purchase from H&M that you hardly wear - say a $100 tunic jumper that you only wear once every 6 months
- Cost per wear = $100/2 = $50
- All of a sudden that cashmere jumper is starting to look like a pretty sweet deal.
It might turn out that the $399 jumper that you will wear for half the year is a better buy than the H&M $100 tunic jumper you can only wear twice.
As you can see, the value of your investment in a piece is in direct correlation to the quality and timelessness of said piece.
Our attitude towards buying our clothes is not about “cheap” vs “expensive” its about what item (cheap or expensive) you will get the most wear from, and makes you feel good while wearing it.


PLEASE READ THE IMPORTANT DISCLOSURES BELOW.
Important Note: Futures and options transactions are intended for sophisticated investors and are complex, carry a high degree of risk, and are not suitable for all investors.
For more information, please read the Characteristics and Risks of Standardized Options and the Risk Disclosure Statement for Futures and Options prior to applying for an account.
You can also view the E*TRADE Futures LLC Financial Information and Disclosure Documents.
E*TRADE credits and offers may be subject to U.S. withholding taxes and reporting at retail value. Taxes related to these offers are the customer's responsibility.
Futures trading in IRAs available in eligible Traditional, Rollover, and Roth IRAs only, subject to certain accountholder eligibility requirements and minimum account qualifications. Not all futures products are available for trading in all account types. Each futures trade is $1.50 (per side, per contract, plus exchange fees), excluding bitcoin futures trades, which are $2.50 (per side, per contract, plus exchange fees). In addition to the per contract per side commission, futures customers will be assessed certain fees, including applicable futures exchange and NFA fees, as well as floor brokerage charges for execution of non-electronically traded futures and futures options contracts. These fees are not established by E*TRADE Futures LLC and will vary by exchange.
Access the futures markets through the E*TRADE platform nearly 24 hours a day, six days a week (Sunday 5 p.m. CT to Friday 4 p.m. CT). For more information on futures contract trade specifications, including, tick size, tick value, margin requirements, and trading hours, visit etrade.com/futures.
Transactions in futures carry a high degree of risk. The amount of initial margin is small relative to the underlying notional value of a futures contract. A relatively small market movement will have a proportionately larger impact on the funds you have deposited or will have to deposit, which may work against you as well as for you. You may sustain a total loss of initial margin funds and any additional funds deposited with E*TRADE Futures LLC (collectively with its affiliates “E*TRADE”) to maintain your position. If the market moves against your positions or margin levels are increased, you may be called upon by E*TRADE to pay substantial additional funds on short notice to maintain your position. If you fail to comply with a request for additional funds immediately, regardless of the requested due date, your position may be liquidated at a loss by E*TRADE and you will be liable for any resulting deficit.
Subject to certain qualifications and eligibility requirements. With respect to futures trading in self-directed individual retirement accounts (“IRAs”), you should understand that trading futures contracts is speculative in nature and subject to risks that may be greater than those of other investment vehicles in which retirement funds may be invested. You must determine whether trading futures contracts in your IRA is advisable based on your specific financial circumstances, your risk tolerance, the number of years until your retirement, and other factors. You should consult a professional advisor to determine if futures trading, even on a limited basis, in your IRA is consistent with your financial goals.
DISCLAIMER: The information in the market commentaries have been obtained from sources believed to be reliable, but we do not guarantee its accuracy and expressly disclaim all liability. Neither the information nor any opinions expressed therein constitutes a solicitation of the purchase or sale of any futures or options contracts. The information on this site compiled by CME Group is for general purposes only. All information and data herein is provided as-is. CME Group assumes no responsibility for any errors or omissions. CME Group, its affiliates and any third party information and content providers expressly disclaim all liability with respect to the information and data contained herein including without limitation, any liability with respect to the accuracy or completeness of any data. You use the data herein solely at your own risk. All data and information provided herein is not intended for trading purposes or for trading advice.
CME Group is the trademark of CME Group Inc. The Globe Logo, Chicago Mercantile Exchange Inc., Globex and CME are trademarks of Chicago Mercantile Exchange Inc. CBOT is the trademark of the Board of Trade of the City of Chicago, Inc. NYMEX is the trademark of the New York Mercantile Exchange, Inc. COMEX is a trademark of Commodity Exchange, Inc. All other marks are held by their respective owners.
Copyright © 2021 CME Group. All rights reserved.
Securities products and services offered by E*TRADE Securities LLC, Member FINRA/SIPC. Investment advisory services are offered through E*TRADE Capital Management, LLC, a Registered Investment Adviser. Commodity futures and options on futures products and services offered by E*TRADE Futures LLC, Member NFA. Banking products and services are offered by E*TRADE Bank, a federal savings bank, Member FDIC, or its subsidiaries. E*TRADE Securities LLC, E*TRADE Capital Management LLC, E*TRADE Futures LLC, and E*TRADE Bank are separate but affiliated companies.
System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.
Statement of Financial Condition |
About Asset Protection |
Customer Account Agreements |
Quarterly 606 Report |
Business Continuity Plan
© 2021 E*TRADE Financial Corporation. All rights reserved. E*TRADE Copyright Policy


At present we are running a weekly surplus food market in partnership with our friends at Wolves Waste NOT – A Real Junk Food Project. The Real Junk Food Project that started in Leeds in 2017 has as its slogan ‘Feed Bellies Not Bins’. It says:
The Real Junk Food Project was established in August 2017. We intercept edible food destined for waste from supermarkets, restaurants and shops, and make it available for human consumption through our network of local, community cafes and food markets. Everything we do is always Pay As You Feel. We operate on a bottom-up philosophy, where local cafes and food markets are run by representatives of their community.
Market Volunteer Team ready to welcome you


Expertise in online shops for SMBs
SMBs have trusted in our online shop solutions for more than 20 years. Find out more about our white labelled products and learn the advantages of selling eShops to your customers.
Advantages from selling eShops
Strong demand for ecommerce
Online retail sales are expected to develop to $480bn a year by 2019. The SMB market alone will exceed $100bn in total sales in 2015.
Reseller services help you to smoothly implement, maintain, market and support eShops in your portfolio. Find out more about our services.
Solutions for every need
Make it easy for your customers to adopt ecommerce with a plug-in solution and with their growing success, guide them onto a dedicated eShop package.
Healthy profit margins
Meet the growing market demand for SaaS ecommerce and profit from a subscription model with high ARPU customers.
White labelled eShop solution
Extend your portfolio to offer a powerful all-in-one shop solution. Our completely brandable eShop fits seamlessly into your product range.
Grow with your customers
Offering eShops to your customer base is an established way to extend your average customer lifetime.
Get our white paper to receive further information on how to grow your business with eShops.
Online shops for SMBs: How to meet merchants’ needs
The ecommerce solutions of ePages are designed to directly address the challenges and technical needs of small to medium-sized businesses of all types and size.
Let your customers profit from the following advantages on the road to successful ecommerce:
- Get started quickly with a simple to use and scalable DIY online store
- Transparent costs with an all-in-one package and fully managed updates
- Feature rich ecommerce across marketing, payments and logistics
- Unbeatable value for money
With ePages you can be sure to offer an all-in-one online shop solution in your portfolio that meets the needs of SMBs at different stages of development.
eShops that suit your customer base
Plugin – ideal for the first entry into ecommerce
Many customers who are already running a website successfully could profit from taking a step into ecommerce. With a plug-in solution, a small set of ecommerce features can be added to a website quickly making this an ideal way to test if online sales are feasible.
First experience in selling products online can be gained without setting up a full-scale online shop.
ePages Base – the perfect fit for SMBs
If a merchant wishes to market their products online and grow a business further, the powerful ecommerce solution from ePages is the perfect fit. With our all-in-one shop solution, a merchant can build and manage their shop themselves and be sure that it benefits from all updates automatically. With an extensive feature set, many third-party integrations and the ePages App & Theme Store, the retailer can customize their shop to a high degree.
The ePages white paper: Boost your business with eShops
Our white paper will show you how offering eShops can boost your business. You will gain insights and key statistics surrounding the SMB market, the customer lifetime value of your ecommerce clients and the benefits of a Software as a Service solution. Just insert your details below to receive the ePages white paper.
Discover our eShop features
With the all-in-one shop solution from ePages you can offer customers a feature-rich complete package that provides everything they need to become successful in ecommerce. Take a tour through our features to learn about setting up and designing a shop, tools for analyzing consumer behaviour, and how to market products online.
Take a look at our shop gallery to see a sample of the many successful ePages merchants.ePages features
More shop solutions
Learn even more about the broad range of shop solutions we are offering. Simply get in touch with our sales team and they will be happy to give you more information about the Flex, Enterprise or Multistore solutions.
Let us know how we can help you offer an ecommerce solution that exactly fits your customer needs.


One of the questions we get most often here at Real Thread is:How much should I charge for my t-shirts at retail?
- It’s a tougher question than you might think, and there’s a ton of strategy that comes into play when considering what price point to sell your product at. So, we’ve collected some tricks of the trade to give you a launching point on how to price your custom t-shirts for retail.
Research the market
Taking a look at the current market is also an excellent way of determining what your retail cost should be. Taking a look at a competing t-shirt line to see how they price their shirts is a great jumping off point.
This isn’t to say you should just price your t-shirts at the same price, or just $1 less than your competitors, but it’s important to think about what other people are charging for their product when you’re trying to convey to your customers that they should choose you.
A t-shirt pricing calculator
Once you have your t-shirt cost down, you can use it to calculate a price determined by your desired percentage of profit. An article from Entrepreneur states that most retailers shoot for a profit margin of about 50%.
Using the 50% margin, all you would have to do is multiply your cost to produce by 2, and you’d have your retail price. But if aiming for any other profit margin percentage, you’ll use this formula:
Retail Price = [(cost to produce) ÷ (100-profit %)] x 100
So let’s say you want to set your profit margin at 60%, and your shirt costs $10.00 to produce. In that example, your formula will look like this:
Retail Price = [(10.00) ÷ (100–60)] x 100
Retail Price = [10.00 ÷ 40] x 100
Retail Price = 0.25 x 100
Retail Price = $25
Simple enough, right? Now that we’ve got the mathematical part of pricing down, let’s get into some psychology.
Price for people, not for numbers
This next fact may be one of the most important and least considered factors when people are pricing their product. That fact is: People do not always act rationally.
If people acted rationally all of the time, pricing a product would be incredibly formulaic. You could plug your costs into an equation, get a price that most people would agree upon, and start selling. But people are emotional, and whether you think it or not, the price of your product is going to trigger an emotional response in your customers.
Great pricing will consist of considering human behavior and human emotion to find a sweet spot that will persuade people to choose your t-shirts. With that in mind, here are three quick pricing tactics that will help you optimize your price for emotion over logic:
- 1) End your price with a non-round number, rather than a zero or a five. Reason being: when humans are scanning information to make a decision, they get lazy. So, even though the difference between $30 and $29 is only $1, it feels like a lot more. And we’ll make decisions based on that feeling.
2) Bundle products together, and give a price break. Rather than stick to selling all of your products individually, think about creating a bundle package as well. Say you’re selling three different shirts for $20 each. Consider offering an option to buy the shirts together for $55 total.
Ugmonk gives a great example of bundle pricing in the photo above. They sell a set of 4 t-shirts for $100 (or $25 each), as opposed to their normal pricing of $28 each. Centering the bundle around one theme or idea like they do gives this bundle some bonus points too!
Many words have been written on how product bundling increases revenue, so we’ll spare you the reading and give you the short version: when applied right, it works. You’ll sell more t-shirts with less effort, and your customers save money. Win, win.
Key to bundling though: make sure you offer an option to buy each product individually as well. Some customers may just want the one item, and that’s fine. Plus, offering individually lets the customer see the deal they get by buying a bundled package.
3) Use Anchor Pricing. This means displaying the original price, then showing what you’re actually charging for it. One brand that does a great job of this Huckberry, an online menswear marketplace. Through partnerships with brands, they’re able to offer exclusive offers for their customers.
In the image below, you can see that traditional retail for the S/S Breton Shirt is $55.00. However, at Huckberry, you can get it for $44.98. This lets you know that you’re getting a deal that you won’t get elsewhere. (Notice that their price is also a non-round number!)


E-commerce (electronic commerce) is the buying and selling of goods and services, or the transmitting of funds or data, over an electronic network, primarily the internet. These business transactions occur either as business-to-business (B2B), business-to-consumer (B2C), consumer-to-consumer or consumer-to-business. The terms e-commerce and e-business are often used interchangeably. The term e-tail is also sometimes used in reference to the transactional processes for online shopping.
Business-to-business (B2B) e-commerce refers to the electronic exchange of products, services or information between businesses rather than between businesses and consumers. Examples include online directories and product and supply exchange websites that allow businesses to search for products, services and information and to initiate transactions through e-procurement interfaces.
Business-to-consumer (B2C) is the retail part of e-commerce on the internet. It is when businesses sell products, services or information directly to consumers. The term was popular during the dot-com boom of the late 1990s, when online retailers and sellers of goods were a novelty.


Exactly, this is not an ordinary bank. Understanding the customer’s needs and experiences is one of our core operating principles. We do not apply a standard approach for achieving customer goals, each solution is found by thoroughly analysing each situation individually and following the global trends in the industry.
Signet Bank AS
Antonijas street 3,
Riga, LV 1010, Latvia
Phone: +371 67 080 000
Fax: +371 67 080 001
E-mail: [email protected]
Monday to Friday
9:00 a.m. – 17:30 p.m
On March 1, 2021, AS “mogo” issued bonds in the amount of EUR 30 million with Signet Bank acting as the arranger of the issue, thus, successfully completing the largest bond issue in recent years by a private company on Nasdaq Riga Stock Exchange.
With an annual coupon rate of 11%, 3-year maturity and minimum subscription amount of EUR 1’000, the bonds were offered to existing Mogo bondholders and other retail and institutional investors from the Baltic region. The public offering consisted of two parts – subscription by new investors and exchange offer to existing bondholders.
Bond issue was comfortably oversubscribed with more than 840 investors participating in the offering.
Nominal amount (% of issue size)
Number of investors
We received remarkable interest and demand from investors from all three Baltic countries, reaffirming investors’ belief in the sustainability of Mogo business model. We highly appreciate the trust of our loyal existing investors who participated in the exchange offer and welcome on board 662 new investors who have joined our investors` community. We feel great responsibility towards our wide international investor community and will continue our work on implementing our business strategy and maintaining high standards for operational transparency.”
Maris Kreics, CFO of Mogo Finance Group
More than 70% of existing investors decided to continue their investments in Mogo, serving as an excellent proof of investors’ satisfaction with the company’s performance and investment experience. The success of Mogo bond offering highlights the strengthening Baltic retail investor base and potential of Baltic public bond offerings in the region.”
Edmunds Antufjevs, Head of Corporate Finance at Signet Bank
It is great to see Mogo successfully achieving its fundraising target using capital markets services provided by Nasdaq Baltic. Mogo offering was the largest public offering by a private company during the last four years in Latvia.”
Daiga Auziņa-Melalksne, the Head of Nasdaq Baltic Exchanges
AS “mogo” is an experienced capital market participant and has been represented on the Baltic Regulated market since 2014. New bonds are planned to be included in the Regulated market – the Baltic Bond List of “Nasdaq Riga” stock exchange by March 31 at latest. Signet Bank acted as the lead manager for the bonds` issuance.
The bank was founded in 1992 as Latvijas Biznesa banka. Since 2013, it has focused its strategy on servicing entrepreneurs and their businesses, with an emphasis on high-quality capital maintenance and structured investment projects. Signet Bank’s majority shareholders are a group of Latvian and international investors, which includes SIA Hansalink, SIA Fin.lv, and Signet Acquisition III.


It started with a heartbreaking news headline just before Christmas. A young Fort McMurray family was pushed into bankruptcy. The culprit was their beloved condo, or more specifically, a massive spike in their condo building insurance costs.
There was much discussion in the Mortgage Broker Community. Was the location of the condo building to blame? A delayed outcome of the Fort McMurray wildfires from 2016? A colleague knew the couple in the news story personally, and could verify there wasn’t anything unreported in their financial situation. They were literally being pushed into bankruptcy due to the soaring costs of insuring their strata building.
Fast forward to the New Year and a story closer to home hit the headlines. Condo owners in Langley were reeling. Their premiums had just jumped from $97,000 to $371,000 and their strata insurance deductible spiked from $5,000 to $250,000. Clearly no wildfire risk in Langley, and the building is under five years old.
The most recent condo insurance spike headline concerns a building in Abbotsford that is only a year old. A building so new it doesn’t even show up on Google’s street view. In 2019 the building paid a $66,000 premium. Last month, the strata council got its bill for 2020: A massive 780% increase to a premium of $588,000. Again, no wildfire risk and certainly no flood risk.
Tom Watson, Vice President of Guardsman Insurance Services in Ottawa, sheds some light on what is going on. “I used to be able to put them (condo buildings) with 9 different insurers easily. 12 if I was lucky. Now it’s hope the existing carrier offers a renewal so you can avoid going to the Lloyds marketplace.” What’s the Lloyds Marketplace? “It’s a market, literally in London England, where underwriters arrange insurance for things that are generally hard/impossible to insure.” Tom goes on to say “When they price a product like that they really don’t want to write it but will if you give them enough money. Crazy premiums are the insurer way of saying, “If you insist but……please don’t.””
So what should a condo owner do? Now is a good time to really evaluate one’s financial situation. What a lot of people don’t realize is that they may be able to qualify to own a house with a suite. Once the condo fees are removed, and suite rental income added in, a house can be within reach.
Different Lenders treat suite rental income differently. Some Lenders are aggressive with how much suite rental income can be added into a Buyer’s income. The key is to work with an experienced Mortgage Broker who has access to a wide range of potential Lenders. Possibly house ownership is in your future and scary potential condo insurance spikes in your past.


Darren Chan CA
Financial controller for CSL Limited in Hong Kong
Corporate Finance Manager at Jardine Matheson in Hong Kong
What is your current role?
I’m the Corporate Finance Manager at Jardine Matheson in Hong Kong here in Hong Kong. Part of it is looking after the financial side of the business, and the other part is really commercial, being a business partner to the business head and helping them make the best commercial and financial decisions to run the business well and reach company targets.
How did you get to where you are today?
After completing four years in Melbourne with Deloitte, and completing the Chartered Accountants Program, I came to Hong Kong. I didn’t have a job lined up. I just showed up and thought I’d test my luck. I got my first role with the Walt Disney Company as a financial analyst, and in the three years I spent with them, I learnt a lot about the commercial aspects of finance and how that works with the business, especially things to do with messaging and how to manage different stakeholders.
After that, I worked in more of an entrepreneurial environment with Integrated Hospitality Management and that really got me on my feet, having to use all the skills that I’d learnt to date and apply them to the role. Then, after a couple of years in the entrepreneurial environment, I landed the Financial Controller role with CSL, and now I am at Jardine Matheson.
How has being a CA helped/changed your life?
I think being a Chartered Accountant definitely helped me to get where I am today by enabling me to have an open mind, and enabling me with many tools, on both the soft side and the technical side, to be able to take on all the challenges that I face day to day.
One of my career highlights has definitely been moving overseas. Before you actually move over, you don’t really know what to expect until you actually get there and experience it, but I think having that Chartered Accountant background has definitely given me the confidence to be able to take on whatever is to come.
What is it like living in HK?
Living in Hong Kong, working in Hong Kong, it really is a twenty-four hour lifestyle. As soon as I got here, I was blown away by the pace and the speed and the urgency of everything. Sometimes you really feel like there’s no time to breathe. You really just got to keep pushing yourself and trusting yourself, being confident of what you’ve learnt, and go from there.
I think keeping an open mind is very important, also soaking in everything you see and everything you learn, because all the knowledge that you gain is like an investment. It’ll come back and help you out one day. Also, don’t be afraid to be uncomfortable. I think that’s where you’ll really get the most out of yourself and develop.
Check out what Darren has been up to since he completed his CA below.


Do you have this question in your mind when planning a tour to Mexico? “Can You Use Credit Cards in Mexico” This article will help you to clear it.
Mexico, with its vibrant culture, stunning landscapes, and rich history, attracts millions of tourists from around the world every year.
Whether you’re planning a beach vacation on the Yucatan Peninsula, exploring ancient ruins in the heart of Mexico City, or immersing yourself in the local flavors of Oaxaca, it’s essential to be informed about financial matters, such as credit card usage, before embarking on your journey.
In this article, we’ll provide a comprehensive overview of using credit cards in Mexico, covering everything from their acceptance, potential fees, safety considerations, and tips for a smooth financial experience during your Mexican adventure.
Can You Use Credit Cards in Mexico?
Acceptance of Credit Cards in Mexico
The good news for travelers is that credit cards are generally widely accepted in urban and tourist areas across Mexico. Major cities, resort destinations, and popular tourist spots typically have numerous establishments that welcome credit card payments. Large hotels, restaurants, retail stores, and tourist attractions often have point-of-sale (POS) terminals to process card payments.
International credit card networks like Visa, Mastercard, American Express, and others are commonly accepted in Mexico.
However, it’s essential to inform your credit card issuer about your travel plans, including the dates and destinations in Mexico. This preemptive action will prevent any security blocks or holds on your card when you attempt to use it in a foreign country, which could otherwise cause frustration during your trip.
Despite the widespread acceptance of credit cards, it’s also a good idea to carry some cash, especially in smaller towns or remote areas. There might be instances where small businesses, local markets, or public transportation only accept cash payments. Having a mix of payment methods ensures you’ll be prepared for any situation.
Travel-Friendly Credit Card Options in Mexico
To make your Mexican escapade even more enjoyable, having a travel-friendly credit card can be a savvy move. Not only does it offer convenience and security, but it also saves you from the hassles of carrying wads of cash.
One of the top choices for international travelers is the Global Explorer Card, tailored for those with a wanderlust soul. Boasting no foreign transaction fees and enticing travel rewards, it lets you earn points for every dollar spent, which can be redeemed for flights, hotel stays, or even local experiences. Plus, its EMV chip technology ensures smooth transactions throughout Mexico.
For those who value flexibility, the Wanderlust Flex Credit Card comes to the rescue. With its “Pay-Your-Way” feature, you can decide to pay off your balance in installments or in full, granting you greater control over your finances during your Mexican sojourn.
Additionally, this card collaborates with major airlines, allowing you to earn miles and relish discounted fares.
If security is your prime concern, then the Sentinel Shield Card might be your ideal pick. This card offers an embedded contactless payment feature combined with biometric authentication, rendering it virtually theft-proof.
Feel at ease as you explore bustling markets and relish local delicacies without fretting about potential fraudulent activities.
Potential Fees and Currency Exchange
Before using your credit card in Mexico, familiarize yourself with your card’s foreign transaction fees. These fees are typically charged by credit card issuers for converting the Mexican Peso (MXN) to your home currency.
Foreign transaction fees can range from 1% to 3% of the total transaction amount, so it’s wise to compare the fees among different credit cards and choose the one with the lowest or no foreign transaction fee.
When you use your credit card for purchases in Mexico, you might encounter a practice known as Dynamic Currency Conversion (DCC). This option is offered by some merchants and allows you to pay in your home currency instead of Mexican Pesos.
While it may seem convenient, be cautious as DCC often comes with high conversion fees and unfavorable exchange rates. Opting to pay in Mexican Pesos (MXN) whenever possible can save you money in the long run.
Additionally, when using an ATM to withdraw cash with your credit card, you may be subject to cash advance fees and higher interest rates compared to regular purchases. It’s best to use credit cards primarily for purchases, not as a source of cash.
As with any international travel, security should be a priority when using credit cards in Mexico. Here are some safety considerations to keep in mind:
1. Keep Your Card Secure: Keep your credit card in a safe place, such as a money belt, hidden pouch, or a secure wallet. Avoid leaving it unattended, and never share your card information with strangers.
2. Use ATMs Wisely: When withdrawing cash from ATMs, choose machines located in well-lit and busy areas. Skimming devices can sometimes be installed on ATMs, so inspect the machine for any signs of tampering before use.
3. Beware of Card Fraud: Just like anywhere else, credit card fraud can happen in Mexico. Stay vigilant and regularly monitor your card activity online or through your card issuer’s mobile app. Report any suspicious transactions immediately.
4. Carry Emergency Contacts: Have the contact information for your credit card issuer’s customer service or the international hotline in case your card is lost or stolen.
5. Use Secure Internet Connections: When making online purchases or accessing your credit card accounts through public Wi-Fi, use a virtual private network (VPN) to protect your data from potential hackers.
Tips for a Smooth Financial Experience in Mexico
Here are some tips to ensure a smooth financial experience while using credit cards in Mexico:
1. Notify Your Bank: Inform your bank or credit card issuer about your travel plans, including the dates and destinations in Mexico. This helps avoid any potential card holds or security blocks.
2. Carry Multiple Cards: Carry at least two different credit cards from different issuers. If one card has issues or is declined, you’ll have a backup.
3. Carry Cash: Have some cash on hand for small purchases or places that do not accept credit cards.
4. Know Your PIN: Many credit card transactions in Mexico require a PIN. Ensure you know your card’s PIN, and if you don’t have one, contact your issuer to set it up.
5. Save Receipts: Keep your credit card receipts in a safe place, as they may be useful for tracking expenses or resolving disputes.
Banking Services in Mexico
Mexico’s banking landscape has undergone significant transformations over the years, laying the foundation for a robust and inclusive financial system.
With a mix of traditional banking institutions and a surge in digital innovation, the country offers a wide array of banking services to cater to the diverse needs of its population.
Traditional banking remains a prominent aspect of Mexico’s financial ecosystem, with established banks providing a range of services such as savings accounts, credit cards, and personal loans.
These institutions continue to serve as pillars of stability and trust for millions of Mexicans, fostering economic growth and stability.
In recent years, Mexico has experienced a fintech revolution, with a flourishing ecosystem of digital banks and innovative financial solutions. The rise of mobile banking and online payment platforms has brought convenience and accessibility to the fingertips of consumers, particularly in rural areas where traditional banking services were scarce.
Furthermore, Mexico’s banking services have also witnessed greater inclusivity, aiming to bridge the financial gap among underserved communities.
Microfinance institutions have emerged, offering tailored financial products to small businesses and low-income individuals, fostering entrepreneurship and economic development.
In the quest for financial inclusion, the government of Mexico has played a proactive role, implementing policies and initiatives to promote access to banking services. The creation of banking correspondent networks has extended banking services to remote regions, empowering marginalized communities to partake in the formal financial system.
Despite these advancements, challenges persist. Cybersecurity remains a top concern as digital transactions increase, prompting banks and fintech companies to invest in cutting-edge security measures.
Additionally, financial literacy programs are essential to educate the population about the benefits and responsible use of banking services.
Using credit cards in Mexico can be convenient and safe when you are aware of potential fees, take necessary precautions, and inform your card issuer about your travel plans. The widespread acceptance of credit cards in urban and tourist areas makes it easy for travelers to enjoy their experiences without worrying about carrying large amounts of cash.
By understanding the best practices and taking safety measures, you can have a smooth and enjoyable financial experience during your Mexican adventure, allowing you to focus on creating unforgettable memories in this captivating country.


In recent years, by offering integrated services in different sectors, Proger has managed to consolidate its role as a General Engineer able to adapt to the variability of demand through a multidisciplinary approach.
In 2020, the Italian SpA alone will show a turnover of around 83 million euros (compared to 89 million in 2019) and a Group turnover of around 130 million euros.
The slight decline recorded in 2020 (-7.3%) has been caused by the postponement of some orders to 2021-2022, due to the COVID-19 pandemic emergency. Nevertheless, the company was called upon to play an essential strategic role to face this emergency by providing services in the health, energy, transport and logistics sectors, as well as procurement of medical equipment and devices.
Also for this reason – and for some recent acquisitions in the maintenance engineering sector – a strong increase in revenues is expected in the three-year period 2020-2022. The turnover forecast of the Italian Spa alone stands at 128.7 million in 2021 and 130, 6 million in 2022.
The compound annual growth rate (CAGR) is expected to be + 13.8%.
The contribution margin will increase from the current 25.6 million to 39.9 million euros in 2021 and 41.1 in 2022.
EBITDA will go from 8.6% to 15.5% in 2022.


Tuition, Fees, and Financial Aid
Most veterinary students in need of financial assistance rely heavily on federally insured loans. Eligible students can borrow up to $40,500 annually from this source. In addition, the College of Veterinary Medicine administers a few supplemental loan funds and awards some scholarships from endowments. Both of these are generally disbursed to students already enrolled and therefore cannot be committed in advance. Health Professions Student Loans (HPSL), College of Veterinary Medicine Scholarships and long- and short-term emergency loans are also administered by the College Awards and Scholarships Committee. In order to qualify for any of these, the student must have a current ‘Free Application for Federal Student Aid’ form on file. Information for filing is available at interview.
- University of Florida Student Financial Affairs
- Loan Programs at UF
- Federal Student Aid Website
- Excellent Source of Financial Aid Info
- Free Application for Federal Student Aid
Tuition and Fees
Tuition and fees for entering UFCVM students in the professional curriculum are $28,100 per year for Florida residents and $45,500 for Non-Sponsored applicants. These fees are subject to change. The official breakdown of tuition and fees can be found at the University Financial Services website.
In addition, we have provided a copy of the UFCVM cost of attendance. This link represents the total cost for the UFCVM from the 2011-2012 academic year. For example, the first page represents the total cost of attendance for a 1 VM (or first year vet student). So, in this example, let us assume that you are living off campus – then the data that interests you would be “1 VM off-campus.” According to this data the cost of attendance per semester would be $22,244. Using this you can calculate your total cost for the year (freshmen do not take summer classes) at $44,488. This number reflects the total cost of attendance for a Florida Resident AND the maximum amount of financial aid for which you would be eligible. For out of state residents, you would need to add the “Out of State Fall 2005-2011″ (in this example the number is $9,282 per semester) to that calculation per semester.
- UF Vet Student Budget 2012-2013 SFA - This should be updated for 2012-2013 before the end of July 2012.
Note: The Self-FundedTuition is fixed for four years regardless of any state or university increases in tuition or any changes in your residency status.
While there are a number of scholarship opportunities at the UFCVM, very few of these scholarships require a personalized application. Each year, students will fill out an Application for Scholarships and/or Financial Aid form provided by the Office for Students and Instruction. Using this information, the Awards and Scholarship Committee will award eligible students based on financial need, academics, and any other criteria as defined by the scholarship agreement set down by our donors.
The few scholarships that require a specialized application will be announced by the Office for Students and Instruction as they become available.
Although incoming students are not eligible for the vast majority of these scholarships, there are some, that when available, may be distributed by the college based on academic success and financial need.
Note: The UFCVM awarded over $400,000 in scholarships to students in 2012.
For questions regarding UFCVM administered financial aid please contact Jonathan Orsini, Director of Admissions, at firstname.lastname@example.org