The objective of the "Money World" is to raise public awareness of the ways money is circulated and of its importance in the economy. We would like to encourage visitors to recognise their own role in the never-ending money flows, use them and reasonably conquer them by making them work in the interests of people.
The display has been created for visitors having certain preliminary knowledge at least at the primary school level. However, its content is easy to grasp and of use for a person of any age who uses money and is interested in its ways of influence.
Information is provided in Latvian, Russian and English, thus the "Money World" can be fully appreciated by both inhabitants of Latvia and foreign guests.
The building of Latvijas Banka and the premises of the display are accessible also to persons with reduced mobility.


ETS’ transit smart card project — code named “ETSBlue” — just took
another step forward, with a business case report being sped back to
committee before budget season.
I can’t help but be excited, and not just because I’m an insufferable transit fanboy with a smart card collection that includes San Francisco’s TransLink, London’s Oyster, and Tokyo’s Suica and Pasmo.
For those unfamiliar with the concept, tapping the fare card against readers on buses and at stations takes care of free transfers, monthly passes, and cash payments to different transit agencies.
There are usually perks to entice people to use the cards since the transit agency benefits from reduced fare collection costs and valuable trip data for planning schedules.
Perks can include maximum daily fares — never being charged more than the price of a day pass — and discounts from cash and ticket prices.
Currently, 20 per cent of ETS fares are paid with cash. While the cash option is important, it can really slow buses down.
Pilot project surveys suggest that seniors and others with limited mobility find it easier to pay by smart card. However, the system needs to be designed so Edmontonians living paycheque to paycheque won’t be left out.
Those privileged enough to have both a credit card and Internet access can benefit from automatic subscriptions, making the monthly pass-buying routine a thing of the past.
But for those without much more than a few dollars at a time, a network of vending machines and retail outlets rivalling those currently in place for tickets and passes will be a must.
The necessary infrastructure isn’t free: In addition to vending machines and card distribution, every bus will need a card reader — two if the city wants to allow back-door boarding.
The cost is estimated at $24 million over four years, but it should pay for itself in another nine.
The savings include reducing fare evasion and handling costs — an agency the size of ETS needs to deal with millions of paper transfers and hundreds of tonnes of coins in a year, for example.
While deciding whether a ride is worth the cash or tickets is a big turnoff for transit, I actually have the opposite problem with smart cards: The stupid things make paying for transit so easy and convenient that I almost forget I’m spending money.
But since this just means increased ridership for the system, I’m willing to concede that’s a pretty good problem to have.


National Bureau of Statistics (NBS) has released its Petrol Price Watch report for March 2023, indicating that the average retail price of petrol per litre has risen to N264.29 from N185.30 in March 2022. This represents a 42.63% increase in petrol prices year-on-year. On a month-on-month basis, the average price increased by 0.20% from N263.76 in February 2023.
Imo state had the highest average retail price of petrol per litre at N332.67, followed by Taraba at N330.00 and Borno at N324.55. Benue had the lowest average retail price of N195.00, followed by Plateau at N196.79 and Nasarawa at N197.50.
The NBS also released its Diesel Price Watch report for March 2023, showing that the average retail price of diesel increased by 55.90% year-on-year. The price rose from N539.32 per litre recorded in March 2022 to N836.81 per litre in March 2023. On a month-on-month basis, the average price increased by 0.47% from N836.91 per litre recorded in February 2023.
Bauchi had the highest average diesel price at N910.46 per litre, followed by Abuja at N889.44 and Adamawa at N880.33 per litre. Bayelsa had the lowest average price at N768.04 per litre, followed by Katsina at N779.78 per litre and Edo at N797.14 per litre.
The analysis by zone revealed that the South-East had the highest petrol price at N306.00 per litre, while the North-Central recorded the lowest at N205.10 per litre.
The North East had the highest diesel price at N856.42 per litre, while the South-South had the lowest at N816.92 per litre. The report indicates that the prices of petrol and diesel continue to rise, putting pressure on Nigerians, particularly those with low incomes.


Principles Governing Professional and Ethical Conduct
It is the policy of Ascent Solar Technologies, Inc. (the “Company”) that the Company’s Chief Executive Officer, Chief Financial Officer and other senior finance and accounting staff with responsibility for maintaining accounting records, preparing financial statements, preparing and filing reports with the Securities Exchange Commission (“SEC”) and making other public communications regarding the Company adhere to, advocate and promote the following principles:
The persons subject to this Code are required to acknowledge and agree to the foregoing and deliver a copy of such acknowledgement to the Company’s Audit Committee. The Corporate Secretary will maintain this acknowledgement with the Company’s corporate records.
Reporting and Treatment of Violations
Persons who become aware of suspected violations of this Code should report such suspected violations promptly to the Audit Committee, who will forward such report to the Company’s Board of Directors. To assist in the response to or investigation of the alleged violation, the report should contain as much specific information as possible to allow for proper assessment of the nature, extent and urgency of the alleged violation. Without limiting the foregoing, the report should, to the extent possible, contain the following information:
The Audit Committee shall have the power to monitor, investigate, make determinations and recommend action to the Board of Directors with respect to violations of this Code. In determining whether a violation of this Code has occurred, the Audit Committee may take into account:
Consequences of Violations
If a violation is substantiated, the Board of Directors, upon the recommendation of the Audit Committee, may impose such sanctions or take such actions as it deems appropriate, including, but not limited to, the following:
Requests for Waivers and Changes in Code
A waiver of a provision of this Code shall be requested whenever there is reasonable likelihood that a contemplated action will violate the Code. Any waiver (including an implicit waiver) that constitutes a material departure from a provision of this Code shall be publicly disclosed on a timely basis, to the extent required by applicable rules and regulations of the SEC. In addition, any amendments to this Code (other than technical, administrative or other non-substantive amendments) shall be publicly disclosed on a timely basis, to the extent required by applicable rules and regulations of the SEC.


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We now turn our attention to Supplemental Security Income (SSI), a lifeline for some of the most vulnerable members of our society. SSI is a federal program that provides financial assistance to individuals with limited income and resources, particularly those who are elderly, disabled, or blind. Let’s delve into what SSI is, why it’s significant, how to qualify, and the benefits it offers.
What is SSI?
Supplemental Security Income (SSI) is a federal assistance program administered by the Social Security Administration (SSA). It is designed to provide financial support to individuals who have limited income and resources and meet specific disability or age criteria. SSI aims to ensure that these individuals have the means to meet their basic needs, such as food, shelter, and clothing.
The Significance of SSI
SSI plays a critical role in addressing the financial challenges faced by vulnerable individuals in our society. It provides a safety net for those who are unable to work due to age, disability, or blindness, ensuring they have access to the essentials required for a dignified life. Without SSI, many recipients would struggle to afford even the most basic necessities.
To qualify for SSI, individuals must meet specific criteria related to income, resources, and disability or age. Income and resource limits can vary by state, so it’s essential to check your local regulations. Generally, eligible recipients include:
- Individuals who are aged 65 or older.
- Blind individuals.
- Disabled individuals of any age who are unable to engage in substantial gainful activity (SGA).
SSI considers various factors when determining eligibility, including household income, assets, and living arrangements. Applicants must also be U.S. citizens or eligible non-citizens.
The application process for SSI involves contacting your local Social Security office or applying online through the SSA’s website. Be prepared to provide detailed information about your financial situation, medical conditions, and living arrangements. The SSA will evaluate your application to determine eligibility and the amount of assistance you may receive.
Benefits of SSI
SSI provides a monthly cash benefit to eligible recipients, helping them cover essential expenses such as housing, food, and clothing. In addition to the financial support, SSI recipients may also qualify for Medicaid, which can help cover healthcare costs. This comprehensive assistance package aims to improve the quality of life and well-being of vulnerable individuals.
Supplemental Security Income (SSI) stands as a vital program that ensures financial support for those who need it most. By providing assistance to elderly, disabled, and blind individuals with limited income and resources, SSI helps them maintain their independence and dignity.
By Admin –


FEE PAYMENT OPTIONS
- Electronic Check (ACH)
- Credit Card
- Financial Aid Deferment
- Registration Fee
- Third Party Billing/Approved
- CSU Fee Waivers
Check your "My Registration Info" for your specific payment due date. Your payment MUST be made prior to your registration date; otherwise you will not be able to register on time.
You may pay your registration fees, out-of-state or foreign tuition, and other charges using the ACH payment option. This is just like writing a check, but you will make the payment online. There is no additional charge for this option.
Students are able to use MasterCard, American Express, and Discover Card only through the online service of CashNetT SmartPay, SDSU's secure third-party vendor. The University Cashiers Office does not accept credit cards for payment of registration fees or tuition (foreign or out-of-state), except as applicable under the terms of the Installment Plan. Therefore credit card payments can only be made online.
You can access CashNetT SmartPay to pay registration fees via the WebPortal. Payments made via CashNetT SmartPay are received by the University Cashiers Office no later than the next business day, so the registration process is not delayed. CashNetT SmartPay assesses each customer a service charge based on the transaction amount. See the Web site for more details.
MasterCard, VISA, American Express and Discover Card charge cards are accepted for other payments, such as Housing, Parking, Health Service, Continuing Education, and miscellaneous over-the-counter payments. Students are reminded that banks will provide cash advances against credit cards if needed to cover registration payments. Most ATM cards are also accepted for payment of miscellaneous charges.
Fees may be paid in full by personal check, money order, or certified funds. Checks should be made payable to SDSU. In order to have fees processed on time, print the fee payment coupon found in the SDSU WebPortal and submit it (via mail or Cashiers drop box) with your payment prior to your registration fee payment deadline. Your fee payment deadline is located in your "My Registration Info" in your portal account.
Checks are accepted for the exact amount of the payment. Overpayments of $5.00 or less are refunded only upon request. If your check for registration fees or tuition is returned by the bank to the University Collections Office for any reason, your registration may be cancelled and you will be billed a $35.00 dishonored payment charge and a $20 late fee.
The university reserves the right to refuse payments by personal check from those individuals who have previously had items returned unpaid by their bank. Refunds may be applied against other amounts due the university.
The "My Registration Info" online service will tell you if you are eligible to postpone payment of your registration fee (and tuition, if applicable). Postponing payment of your registration fee will be automatic - you do not need to submit any forms. Your registration fee will be deducted from the first disbursement of your financial aid at the beginning of the semester.
You can also check your eligibility to postpone fee payment by logging on to www.sdsu.edu/financialaid and selecting AidLink. If your financial aid award is reduced or becomes unavailable FOR ANY REASON, you must pay your fees IN FULL by the census date.
If you are NOT eligible to postpone the payment of your fees, DO NOT WAIT until your registration access date to find out you cannot register.
Registration fees due for the semester may be paid in installments. There is a nonrefundable service charge for the Registration Fees Installment Plan; the service charge is paid prior to registration, along with an initial payment. Parking fees and other miscellaneous fees may not be paid in installments.
How do I sign up for the Registration Fee Installment Plan?
A Registration Fee Installment Plan Contract can be printed from "My Registration Info." Read the contract and related information carefully. The Registration Fee Installment Plan is essentially a loan, and it is important that you understand the terms of the contract.
Complete all sections of the contract (incomplete information will delay processing and may delay access to registration). Amounts due for registration fees will be adjusted based on the units in which you actually enroll.
Sign and date the contract, and return the contract to SDSU Cashiers Office, with a check in the appropriate amount made payable to San Diego State University, prior to your fee payment deadline.
See the current Class Schedule for current Installment Plan fees.
*A separate installment plan is available for the payment of nonresident (out of state and foreign) tuition. Students who wish to pay their tuition in installments should contact the University Cashiers Office at (619) 594-5253 or firstname.lastname@example.org. Service charges equal to 15% of each installment payment are assessed. Students can avoid the service charges by paying their tuition in full prior to the first day of classes.
If an outside agency (agency, government program, Employee Fee Waiver, etc.) is paying all or part of your registration fee, you will need to print your fee payment coupon from "My Registration Info" and return it and a copy of your authorization letter to the University Cashiers Office. Failure to do so will result in your fees being deducted from your financial aid award. Students submitting authorization to bill a third party for their fees will be held responsible for the payment if the third party agency fails to pay the fees within the semester of attendance.
Vocational Rehabilitation (Chapter 31) and Eligible Dependents of Deceased or Disabled Veterans
Veterans receiving vocational rehabilitation benefits (Chapter 31), and eligible dependents receiving the Cal Vet Fee Waiver, must obtain their fee waiver authorization at the Veterans Office in the Office of the Registrar (SS-1641) and submit it to the University Cashiers Office along with all applicable fees on or prior to their fee payment deadline.
Over 60 Fee Waiver Program
San Diego State University offers a fee waiver program for California residents 60 years of age or older. Both undergraduate and postbaccalaureate students may participate in the program. The program waives the $55 admission application fee and regular registration fees (except for a nominal $13 fee per semester). Participants must apply for admission during the regular application filing period and be admitted under regular SDSU admission requirements. Participants register for classes on a space-available basis after regularly matriculated students have completed registration. For additional information, contact the Prospective Student Center.
Alan Pattee Scholarships
Children of deceased public law enforcement or fire suppression employees who were California residents and who were killed in the course of law enforcement or fire suppression duties are not charged system-wide mandatory fees or tuition at any California State University campus, according to the Alan Pattee Scholarship Act, California Education Code, Section 68121. Students qualifying for these benefits need to contact the Office of the Registrar, which determines eligibility.


The PCE price index (PePP), also referred to as the PCE deflator, PCE price deflator, or the Implicit Price Deflator for Personal Consumption Expenditures (IPD for PCE) by the Bureau of Economic Analysis (BEA) and as the Chain-type Price Index for Personal Consumption Expenditures (CTPIPCE) by the Federal Open Market Committee (FOMC), is a United States-wide indicator of the average increase in prices for all domestic personal consumption. It is benchmarked to a base of 2012 = 100. Using a variety of data including U.S. Consumer Price Index and Producer Price Index prices, it is derived from the largest component of the GDP in the BEA's National Income and Product Accounts, personal consumption expenditures.
The personal consumption expenditure (PCE) measure is the component statistic for consumption in gross domestic product (GDP) collected by the United States Bureau of Economic Analysis (BEA). It consists of the actual and imputed expenditures of households and includes data pertaining to durable and non-durable goods and services. It is essentially a measure of goods and services targeted towards individuals and consumed by individuals. The less volatile measure of the PCE price index is the core PCE (CPCE) price index, which excludes the more volatile and seasonal food and energy prices.
In comparison to the headline United States Consumer Price Index (CPI), which uses one set of expenditure weights for several years, this index uses a Fisher Price Index, which uses expenditure data from the current period and the preceding period. Also, the PCEPI uses a chained index which compares one quarter's price to the previous quarter's instead of choosing a fixed base. This price index method assumes that the consumer has made allowances for changes in relative prices. That is to say, they have substituted from goods whose prices are rising to goods whose prices are stable or falling.
PCE has been tracked since January 1959. Through July 2018, inflation measured by PCE has averaged 3.3%, while it has averaged 3.8% using CPI. This may be due to the failure of CPI to take into account the substitution effect. Alternatively, an unpublished report on this difference by the Bureau of Labor Statistics suggests that most of it is from different ways of calculating hospital expenses and airfares.
In its "Monetary Policy Report to the Congress" ("Humphrey–Hawkins Report") from February 17, 2000 the FOMC said it was changing its primary measure of inflation from the consumer price index to the "chain-type price index for personal consumption expenditures".
Comparison to CPI
The differences between the two indexes can be grouped into four categories: formula effect, weight effect, scope effect, and "other effects".
- The formula effect accounts for the different formulas used to calculate the two indexes. The PCE price index is based on the Fisher-Ideal formula, while the CPI is based on a modified Laspeyres formula.
- The weight effect accounts for the relative importance of the underlying commodities reflected in the construction of the two indexes.
- The scope effect accounts for conceptual differences between the two indexes. PCE measures spending by and on behalf of the personal sector, which includes both households and nonprofit institutions serving households; the CPI measures out-of-pocket spending by households. The "net" scope effect adjusts for CPI items out-of-scope of the PCE price index less items in the PCE price index that are out-of-scope of the CPI.
- "Other effects" include seasonal adjustment differences, price differences, and residual differences.
- See more at: https://www.bea.gov/help/faq/555
|Food and beverages||15.1%||13.8%||17.0%|
|Food at home||8.0%||7.1%||8.7%|
|Food away from home||6.0%||4.9%||6.0%|
|Owner's equivalent rent||23.4%||12.9%||15.9%|
|Education and communication||6.0%||5.4%||6.7%|
|Other goods and services||2.8%||5.8%||6.0%|
The above chart is illustrative but may not reflect current values. The comparisons in the table above will vary over time as the relative weights of the components of the indexes change. The CPI base price and weightings are adjusted every two years.
The above table illustrates two commonly discussed important differences between the PCE deflator and CPI-U. The first is the relative importance of housing, which is due in part to the difference in scope mentioned above. CPI contains a large component of owner-equivalent rent, which by definition is an imputed value and not a real direct expenditure. The second major difference in weight is healthcare. This again stems from the definition of the index and the surveys used. CPI measures only the out-of-pocket healthcare costs of households where PCE includes healthcare purchased on behalf of households by third parties, including employer-provided health insurance. In the United States, employer health insurance is a large component and accounts for much of the difference in weights.
Another notable difference is that prices and weightings of the CPI are based on household surveys, while those of the PCE are based on business surveys. One reason for the difference in formulas is that not all the data needed for the Fisher-Ideal formula is available monthly even though it is considered superior. CPI is a practical alternative used to give a quicker read on prices in the previous month. PCE is typically revised three times in each of the months following the end of a quarter, and then the entire NIPA tables are re-based annually and every five years. Despite all these conceptual and methodological differences, the two indexes track fairly closely when averaged over several years.
- "Definition of 'Personal Consumption Expenditures - PCE'", Investopedia, Accessed 31-July-2012
- PCE and CPI indices, Jan 1959 - Jul 2018: "FRED Graph - FRED - St. Louis Fed". fred.stlouisfed.org. Retrieved September 9, 2018.
- Boskin, et al. "Consumer Prices, The Consumer Price Index, and the Cost of Living." Journal of Economic Perspectives - Volume 12, Number 1. Winter 1998, pp3-26.
- "FRB: Monetary Policy Report to the Congress - February 17, 2000". www.federalreserve.gov. Retrieved September 9, 2018.
- "What Does the Producer Price Index Tell You?". June 3, 2021.
- "What accounts for the differences in the PCE price index and the Consumer Price Index?". Archived from the original on July 27, 2018. Retrieved March 12, 2019.
- "Improving the Measurement of Consumer Expenditures" (PDF). nber.org. Retrieved July 17, 2023.
- Moyer, Brian C.; Stewart, Kenneth J. "A Reconciliation between the Consumer Price Index and the Personal Consumption Expenditures Price Index" (PDF). www.bea.gov. Bureau of Economic Analysis. Retrieved September 7, 2014.
- Briefing.com: Personal Income and Spending
- Briefing.com: CPI (the core CPI as a comparison)
- Current News Releases from the Bureau of Economic Analysis (click on "Personal Income and Outlays", then skip to Tables 9 and 11 near the bottom.)
- St. Louis Federal Reserve FRED2 PCE data index
- Personal Consumption Expenditures - PCE
- FAQ: What is the "market-based" PCE price index?
- Implicit Price Deflator for Personal Consumption Expenditures - Referendum 47's Measure of Inflation
- FRB: Monetary Policy Report to the Congress - February 17, 2000
- TheStreet.com: Meet the Fed's Elusive New Inflation Target


When you join Thank You Ma'am Reno, you enter your credit card information for you card to be charged $103.00 once per quarter; $100 goes directly to the non-profit selected at each meeting. The additional $3 is to cover processing fees.
The processing is all handled by the 501(c)3 non-profit The Giving Group which is the umbrella group that started Thank You Ma'am in Seattle, the original. Once a year you will receive a receipt for you taxes. The Giving Group and Thank You Ma'am Reno will never give or sell your information to any outside parties.
You can click HERE to join and provide payment information


||How To Apply, on-line or via phone:
|Wells Fargo Collegiate Loan*
- Choice of Variable or Fixed Interest
Variable interest as low as Prime + 0.25%, based on credit, with a
contractual minimum of 3.25%, interest rate cap of 18%. Fixed rate
as low as 6.74%. Applicants are presented with their individual
rate at point that credit eligibility is determined, usually at point of
application. At that point, the applicant may choose a foxed or variable
rate comparison, or defer the decision until later in process.
- 0.25%-0.50% Interest Rate Discount at point of application with Wells Fargo borrower or cosigner
relationship (prior Wells Fargo Education Loan, Qualifying Wells Fargo
- Student may apply without a cosigner but applying with cosigner
helps ensure lowest interest rate and fastest approval process
- Wells Fargo disclosures available @ www.wellsfargo.com/studentloandisclosures
- No Fees
- Must be enrolled in a degree, certificate or license program
- May be enrolled less than half-time
- International students must apply with creditworthy U.S. citizen
- Students no longer enrolled may use to pay prior balance if applying
within 30 days of last date of enrollment
- Cosigner release option available after 24 monthly on-time payments
- 6-month grace period – no payments required while in school
- 15 year repayment term
- 0.25% interest rate reduction with automatic payments in repayment
- Loan forgiveness protection in event of student death or disability
Wells Fargo Education Financial Services
|Discover Student Loan
- Choice of Variable or Fixed Rate with Zero Fees
- Variable Range: Prime + 0% to Prime+ 5.00% for Undergraduates
- Variable Range: Prime + 0% to Prime+ 4.00% for Graduate Students
- Variable Range: Prime + 0% to Prime+ 2.50% for Graduate Health
- Fixed Rate - 6.74% to 9.49% for Undergraduates
- Fixed Rate - 6.74% to 10.99% for Graduate Students
- Fixed Rate - 6.79% to 9.49% for Health Professions
- For more information visit DiscoverStudentLoans.com/rates
- Application and Solicitation Disclosures - https://www.discover.com/student-loans/index.html
- No Fees
- Cosigner is advised for undergraduate borrowers with limited credit
- No cosigner release
- Undergraduate and Graduate students must be enrolled at least
- Must be a U.S. citizen or permanent resident
- International students require a social security number and a U.S. cosigner
- Making satisfactory academic progress as defined by school
- 6-month grace period and 15 year repayment term for undergraduate students
- 9-month grace period and 20 year repayment term for graduate students
and health professions students
- Automatic in-school deferment
- 0.25% interest rate reduction with auto-debit
- Graduation Reward-2%
cash reward on outstanding principle balance (must be requested upon graduation);
not offered on fixed rate product
Sallie Mae SMART Loan*
- Low variable interest rates: 2.25% APR to 9.37% APR;
competitive fixed interest rates: 5.74% APR to 11.85% APR
- Pay now or later-defer your payments until after school or choose an
in-school repayment option that fits your needs.
- Visit SallieMae.com/SOSLTerms for terms and conditions
- No origination fees and no prepayment penalty
- Can apply to release cosigner 12 months after you've graduated and
made 12 consecutive on-time principal and interest payments
- International students are eligible with a creditworthy cosigner
(who must be a U.S. citizen or permanent resident) and appropriate U.S.
Citizenship and Immigration Service documentation
- .25% interest rate reduction for automatic-debit
- Loan forgiveness in event of a student's death or permanent and
- Can be used if you have an existing balance to pay off before
registering for the new semester.
- Will vary based on loan amount and year in school
- Consider making principal and interest payments while in school to
lower the amount you must pay back.
- Principal and interest payments begin following the six-month
- No pre-payment penalty.
A 0.25% interest rate reduction with automatic-debit
|Custom Choice Loan* (SunTrust)
- Choice of fixed or variable rate: Students may choose the
interest rate type upon passing the initial credit review during the
online application process.
- Variable: LIBOR + 2.99%-LIBOR + 8.99%
- Fixed: 4.75% - 11.25%
- For the current interest rates, please visit: https://www.alternativeloan.com/CWA/ASD?link_id=SUNTFAO1
- No Fees
- Although a cosigner is not required, a creditworthy cosigner may
increase the likelihood of approval.
- To be eligible, student must:
-Be an undergraduate or graduate student enrolled at last
-Be a U.S. citizen or permanent resident.
-Be the legal age of majority in their state of residence (or at
least 17 years old with a cosigner who is the legal age of majority)
- Applications will be accepted for up to one month following end
of the applicant's academic period. For example, when a loan period
ends on May 15, borrow has until June 30 to submit an application
for previous academic period. The student does not need to be
currently enrolled, however, they must have been enrolled at least
half-time or more at time the balance was incurred.
- Satisfactory academic progress is not required
- 6-month grace period
- Choice of 7, 10, 15 years (the 15 year term is available for loan amounts of $5,000 or more)
- Choice of four repayment options (immediate, interest only,
partial interest or fully deferred)
- No penalty for pre-payment
- Interest rate reduction of 0.25% for ACH payments
- Additional 0.25% for ACH payments from a SunTrust deposit
- 1% reduction to the principal balance per loan, applied to full
disbursement amount, upon graduation with a bachelors degree or
- Cosigner release available after 48 consecutive principal and
interest payments have been made on-time
- Loan forgiveness available upon death of the student borrower
- Forbearance available for economic hardship
|Citizens Bank TruFit Loan*
- Choice of Variable or Fixed Interest Rate
Variable interest rate option as low as one-month LIBOR plus 2.50% and
Fixed rate option as low as 5.75%
- Choice of repayment options
* Please visit http://www.citizensbank.com/trufit-disclosure/ for current
rates and application disclosures.
* Please visit www.citizensbank.com/trufitstudentloan for additional
- Zero Fees
- Must be enrolled at least half-time in a degree granting program
- Cosigner release option available after 36 consecutive, on-time payments
- Available for past due balances up to 180 days after the ending of the
enrollment period. The student must be currently enrolled or recently
graduated to qualify.
- We strongly encourage students with little or no credit history to apply
with a qualified cosigner to increase their chances of being approved. A
qualified cosigner can also help the borrower secure a lower interest
- International students can apply with a creditworthy U.S. citizen, or
permanent resident cosigner.
- In the unfortunate event of the student borrower’s death or permanent
and total disability, the TruFit Student Loan will be forgiven
- Six-month grace period.
- Choice of repayment options: Deferred: Students
defer payment until 6 months after graduation. Interest-only:
Students make interest-only payments while in school.
Immediate: Students make payments while in school.
- Choice of repayment terms: 5, 10, 15 years.
- 0.25% interest rate reduction for
automating payments from any non-eligible Citizens Bank account
- Can be used to cover past due balances up to 180 days after
the ending of the enrollment period provided the student is
currently enrolled or recently graduated.
|Citizens Bank TruFit Student Loan


EZchip Announces Fourth Quarter and Full Year 2012 Results
Yokneam, Israel, February 13, 2013 – EZchip Semiconductor Ltd. (NASDAQ: EZCH), a leader in Ethernet network processors, today announced its results for the fourth quarter and full year ended December 31, 2012.
Fourth Quarter and Full Year 2012 Highlights:
- Annual revenues for 2012 of $54.7 million
- Fourth quarter revenues of $15.2 million
- Fourth quarter gross margin reached 83.2% on a GAAP basis and 83.7% on a non-GAAP basis
- Net income, on a GAAP basis, was $15.7 million for 2012 and $4.8 million for the fourth quarter
- Net income, on a non-GAAP basis, was $27.1 million for 2012 (49% of revenues) and $7.8 million for the fourth quarter (51% of revenues)
- Non-GAAP operating cash flow of $29.2 million for 2012 and $7.1 million for the fourth quarter
- Net cash at end of 2012 was $168.0 million
Fourth Quarter 2012 Results:
Total revenues in the fourth quarter of 2012 were $15.2 million, an increase of 7% compared to $14.3 million in the fourth quarter of 2011, and an increase of 64% compared to $9.3 million in the third quarter of 2012.
Net income, on a GAAP basis, for the fourth quarter of 2012 was $4.8 million, or $0.17 per share (diluted), compared to net loss of $6.0 million, which included a one-time charge due to early repayment of $9.9 million to the Israeli Office of Chief Scientist (OCS), or $0.22 per share, in the fourth quarter of 2011, and net income of $0.1 million, or $0.00 per share (diluted), in the third quarter of 2012.
Net income, on a non-GAAP basis, for the fourth quarter of 2012 was $7.8 million, or $0.26 per share (diluted), compared to non-GAAP net income of $6.3 million, or $0.22 per share (diluted), in the fourth quarter of 2011, and non-GAAP net income of $3.1 million, or $0.10 per share (diluted), in the third quarter of 2012.
Full Year 2012 Results:
Total revenues for the year ended December 31, 2012 were $54.7 million, a year-over-year decrease of 14% compared to $63.5 million in 2011.
Net income on a GAAP basis for 2012 was $15.7 million, or $0.54 per share (diluted), compared to net income of $7.9 million, or $0.28 per share (diluted), in 2011.
Net income on a non-GAAP basis for 2012 was $27.1 million or $0.92 per share (diluted), compared with non-GAAP net income of $31.0 million, or $1.09 per share (diluted), in 2011.
Cash, cash equivalents, marketable securities and deposits as of December 31, 2012, totaled $168.0 million, compared to $160.1 million as of September 30, 2012 and compared to $126.8 million as of December 31, 2011. Cash generated from operations was $7.1 million for the fourth quarter and $29.2 million for the year, cash used in investing activities was $0.2 million for the fourth quarter and $1.5 million for the year, cash provided by financing activities (resulting from the exercise of options) was $1.0 million for the fourth quarter and $12.9 million for the year and an additional $0.6 million increase resulted from unrealized gains in marketable securities during 2012.
Eli Fruchter, CEO of EZchip, commented, “2012 was another transition year for EZchip. First, we completed the transition to Cisco becoming our largest customer, with all revenues being royalty-based, thereby increasing our gross margins to 84% and maintaining our outstanding 49% net margin in line with the net margin we achieved in 2010 and 2011. Second, we transitioned to NP-4, which surpassed the NP-3 run rate in its first full production year, and became our largest revenue generator. Finally, we laid the foundation for the NPS line of network processors for smart networks that will target both next-generation edge routers and data centers, and we believe could double our total available market.
“Of our five major NP-4 customers, two are in production and two entered production at the end of the third quarter and have placed initial production orders. The fifth customer, Huawei, is also expected to enter production in the first quarter; however, it has not yet placed any production orders and we believe Huawei may proceed to offer a lower-end in-house solution in parallel to the high-end NP-4 solution.
“Looking ahead, we believe that high-end NPUs, such as the NP-4, are required for high-end edge routers to be competitive. Therefore, based on the success of our customer products in the marketplace and the level of carriers’ investment in Internet infrastructure, we believe NP-4 can significantly increase our revenues in the next few years. As for this year, we expect year-over-year growth in both Q1 and 2013, also when compared with 2011.”
The Company will be hosting a conference call later today, February 13, 2013, at 10:00am ET, 7:00am PT, 3:00pm UK time and 5:00pm Israel time. On the call, management will review and discuss the results, and will be available to answer investor questions.
To participate through the live webcast, please access the investor relations section of the Company’s web site at: http://www.ezchip.com/investor_relations.htm, at least 10 minutes before the conference call commences. If you would like to ask a question on the call, please contact the investor relations team for the telephone dial in numbers.
For those unable to listen to the live webcast, a replay of the webcast will be available the day after the call under the 'Investor Relations' section of the website.
Use of Non-GAAP Financial Information
In addition to disclosing financial results calculated in accordance with United States generally accepted accounting principles (GAAP), this release of operating results also contains non-GAAP financial measures, which EZchip believes are the principal indicators of the operating and financial performance of its business. The non-GAAP financial measures exclude the effects of stock-based compensation expenses recorded in accordance with FASB ASC 718, amortization of intangible assets, one-time charge due to early repayment of OCS grants and taxes on income. Management believes the non-GAAP financial measures provided are useful to investors’ understanding and assessment of the Company’s on-going core operations and prospects for the future, as the charges eliminated are not part of the day-to-day business or reflective of the core operational activities of the Company. Management uses these non-GAAP financial measures as a basis for strategic decisions, forecasting future results and evaluating the Company's current performance. However, such measures should not be considered in isolation or as substitutes for results prepared in accordance with GAAP. Reconciliation of the non-GAAP measures to the most comparable GAAP measures are provided in the schedules attached to this release.
EZchip is a fabless semiconductor company that provides Ethernet network processors for networking equipment. EZchip provides solutions that scale from a few to hundreds of Gigabits-per-second. EZchip's network processors provide great flexibility and high performance coupled with superior integration and power efficiency for a wide range of applications in carrier, cloud and data center network equipment. For more information on our company, visit the web site at http://www.ezchip.com.
This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements are statements that are not historical facts and may include financial projections and estimates and their underlying assumptions, statements regarding plans, objectives and expectations with respect to future operations, products and services, and statements regarding future performance. These statements are only predictions based on EZchip's current expectations and projections about future events. There are important factors that could cause EZchip's actual results, level of activity, performance or achievements to differ materially from the results, level of activity, performance or achievements expressed or implied by the forward-looking statements. Those factors include, but are not limited to, the impact of general economic conditions, competitive products, product demand and market acceptance risks, customer order cancellations, reliance on key strategic alliances, fluctuations in operating results, delays in development of highly-complex products and other factors indicated in EZchip's filings with the Securities and Exchange Commission (SEC). For more details, refer to EZchip's SEC filings and the amendments thereto, including its Annual Report on Form 20-F filed on March 29, 2012 and its Current Reports on Form 6-K. EZchip undertakes no obligation to update forward-looking statements to reflect subsequent occurring events or circumstances, or to changes in our expectations, except as may be required by law.
Tables follow in PDF
Ehud Helft / Kenny Green
CCG Investor Relations
Tel: (US) 1 646 201 9246


PLAYING BY THE RULES
The American people deserve a responsible Congress that maintains common sense and contributes to good governance. It is not enough to simply hope that the people's representatives will do the right thing—Congress needs a robust set of rules that emphasize fiscal prudence, stronger ethics, and greater transparency. Endlessly borrowing money will only aggravate our nation's long-running debt problem. Thus, Congress must hold the line on the reforms it recently enacted in the budget process. The hard-working taxpayer should demand nothing less. Congress wisely imposed a rule called "CUTGO," which requires it to find revenue offsets for any increases in spending. Congress also needs to continue its ban on earmarks. These pork-barrel projects are the epitome of what has gone wrong in Washington, where legislators pile waste onto the budget only to promote their re-election efforts. Earmarks not only waste money; they also corrupt the budget process because they allow Congressional representatives to trade votes. They should be eliminated once and for all.
EMULATING THE STATES
Congress also should emulate reforms already in place at the state level. The vast majority of state constitutions have requirements that limit legislation to one subject. These "single-subject rules" can disrupt the logrolling, vote-trading, and interest-group politics that diminish public trust in government. Moreover, nearly every state has some form of balanced budget requirement. The federal government, by contrast, is consistently unable to balance its books. Lawmakers concerned only with re-election will continue profligately spending taxpayers' money until we impose a balanced budget requirement. Finally, more than 40 states empower their governors with a line-item veto. A federal analog would allow the President to excise wasteful portions of appropriations bills that Congress lacked the willpower to reject.
Congress should ensure that regulations handed down from federal agencies promote national economic health. Rather than delegating lawmaking authority to administrative agencies, Congress should hold a floor vote on all regulations that impose $100 million or more in compliance costs. Our elected representatives should review the merits of these consequential regulations before they take effect. Congress also has ceded too much ground to the executive branch, which is typically allowed to review the effectiveness of its own spending. Congress should exercise the power of the purse to rein in inefficient programs. Congress should consider routinely including sunset provisions in authorization bills, which will force it to review the track record of federal programs before spending additional funds.


On Saturday, 29 November 2014 – discover how my simple strategy could help you take money out of the market time and time again.
Meet me in person, learn my proven trading methods, discover how to avoid the ‘deadly mistakes’ most traders make, and ask me all your burning questions…
I’ll be focusing all my efforts to help you maximise your profits and cut your losses to a minimum.
My pledge:To give you the crucial tools that mean you never have to second-guess your trades again!
This is the first time I’ve agreed to share my powerful Forex trading techniques, in person.
After a decade trading the Forex markets, learning the best ways to make money – and the simplest ways to avoid costly mistakes – I’m going to reveal it all.
On the 29th of November 2014, I’m holding a practical seminar revealing how I make effective trades on a regular basis.
This won’t be like anything you have ever been to before.
It won’t be a boring lecture. Or a dry tutorial.
This will be a small, dedicated seminar, where I’ll show you key methods that have the potential to greatly improve your trading profits.
I’ll show you how I choose my trades, and why I think one trade looks so much more promising than another.
I’ll share my decision-making process, along with in-depth explanations of how I use my core trading strategy.
You can ask me a question at any point during the seminar and I’ll tell you precisely what I’m doing and why.
I’ve spent the better part of a decade as a trader making successful trades – and on the 29th of November, you’ll learn the core strategy I use to do it.
I guarantee you’ll learn techniques that could help you take up high-probability positions again and again.
Too many people jump into trading with no idea of what they’re doing. And the consequences are entirely predictable:
They take profits too soon, when there’s still more money on the table.
They hang on to their losses for too long.
They make the same mistakes over and over.
They try complex trading systems that never pan out.
If any of that sounds familiar to you, then you need this seminar!
That’s why I’m inviting you and just 29 others to learn the core techniques of my proven trading strategy.
Join me on the 29th of November, and I’ll show you not only how you could bank regular profits… But also help you steer clear of costly blunders.
FSP Invest FOREX Seminar 2014
Entry strictly by invitation ONLY
My aim is for you to leave the room with practical trading know-how and with the skills to help you take money out of the market over and over.
This one-off seminar will bring your understanding of these methods to a whole new level – and really help you put them into practice.
The whole day will be devoted to turning YOU into an effective and successful trader.
Everything will be tailored to your personal needs.
This level of first-hand explanation, insight and attention is something that my Trading Tips and MoneyMorning articles simply can’t get across. I only get to scratch the surface!
That’s precisely why I’ve decided to hold this exclusive seminar.
I think this day will be a real eye-opener for you. And if you join me, I believe it could help you pluck money from the swings of the market not only in 2014…
…But for the rest of your trading life!
“Let me show you the expert trading techniques that I’ve used to make money from the markets for 10 years!”
The most effective way I can help you become a money-making trader is for me to explain things to you in person.
No misunderstandings from trying to work things out on your own. And no distractions either. A full day dedicated to becoming an effective trader.
In one packed 6-hour session, I’ll walk you through every last step of my proven strategy – start to finish – so you can go away and begin raiding the markets with confidence.
Like me, I’m sure you trade for one reason and one reason only: To make money. Hopefully, lots of it. That’s what trading is all about. This isn’t like investing where you buy and hold a share for months or years.
This is about nipping in at the right time and – potentially – closing the trade with extra money in your account.
And that’s precisely what I want to help you achieve.
I aim to make it simple for you to make profitable trades, and no longer rely on hunches… By working with you in person so that it all clicks into place.
I warn you now – you’ll have to put some work in. We’ll break for lunch for half an hour or so, and there’ll be plenty of tea and coffee. But I want to use our time together to make sure you fully and completely understand my methods of making money on the markets.
I want to show you how I take the ‘guesswork’ out of trading with my tried-and-tested trading system.
So please read this invitation carefully and without distractions.
If you just flip through this, you might miss out a vital detail that could make a mountain of difference to your decision.
And you may need to act quickly once you have finished reading…
Because I doubt whether the 30 places will be free for long.
“On the 29th of November I will give you the trading strategy that has shaped my successful career.”
This isn’t going to be a big, corporate ‘event’. This is a small seminar for just 30 people to learn the secrets of how to make effective trades as often as possible.
My publisher might prefer me to speak to 200 people… But I think 30 is the right number. That way I can give you my full attention.
I’ll show you how you can make the leap from banking the occasional profit, to making more money on a more consistent basis.
Join me and I’ll aim to:
Help you make maximum profits from high-probability trades.
Tell you the best markets to trade in. Markets that suit YOUR trading personality.
Explain how you help spot winning trades from ‘duds’.
Give you a key method for protecting yourself against big losses.
Show you how to avoid the ‘five deadly mistakes of Forex trading’ – common, costly mistakes you can easily cut out.
Share my tried-and-tested strategy that’s made me a small fortune over the years.
Help you trade with more confidence.
Help you overcome the psychological blocks that prevent most people making money.
Answer all of your questions about trading.
Ultimately, I want you to be a good enough trader to earn a decent second income.
And during my special seminar, I want to demonstrate the techniques that can help you achieve that ambition.
Put simply, by the time you leave the room on the 29th of November, I want you to be able to place trades:
WITH MINIMAL RISK...
WITH 100% CONFIDENCE!
Please ask yourself honestly: Could you do with a little help? Would you like to make effective trades easily and without fuss?
Well, that’s precisely why I have arranged this crash-course: To show you the core techniques I believe can vastly improve your Forex trading.
“I’ll show you how to reduce your losses and take money out of the Forex market on a more consistent basis.”
I’m sure you’ve heard of the oft-quoted statistic that 80% of traders lose money consistently.
That means only around 20% of traders take regular profits.
All traders lose money. That’s just a fact. You will never be successful on 100% of your trades.
But I believe that by being in that room with me for 6 hours, learning my tried-and-tested trading secrets – you have a great chance of joining the 20% who make money on a regular basis.
It’s not magic, and it isn’t blind luck. There’s a very subtle science to it. And that’s what you’ll be learning on the day.
There is a simple five part game plan that I think every trader who wants to make money on a regular basis needs to know.
Let me show you what they are and how they could guide you to some very profitable trades…
“I will show you how to master my trading strategy…”
In Forex Trader, I use my tried-and-tested trading strategy to make effective, often profitable trades.
When I started out trading, I just couldn’t find a reliable, simple system that almost anyone could apply without spending hundreds of hours glued to charts and computer screens. Those I found were either too complex or just didn’t stack up in the real trading world.
I needed to develop something that worked in all time frames and which did not depend on being hunched over a screen for all hours of the day. After all, we all have better things to do with our time.
I wanted to find the key to unlock this door – and it did not lie in devising even more complicated algorithms. I wanted a really easy-to-understand methodology that most people could potentially profit from themselves.
And the result is what my subscribers read about week in and week out in my Forex Trader emails, and my Trading Tips & MoneyMorning articles – my Forex Profit Pattern method.
And now you have a priceless opportunity to spend a whole day with me as I teach you those secrets that I have learned.
Not just my Forex Profit Patterns, but all of the techniques I use.
You may already be familiar with the basics:
If all this goes over your head right now, don’t worry – that’s precisely why I have organised this Forex seminar on the 29th of November.
Unlocking the secrets of these patterns will take you to a whole new level of Forex trading.
And if you are already familiar with them, I guarantee you’ll learn new ways that could bolster your trading account.
I’ve used these trading patterns for years, applying them in my unique way to take money out of the markets thousands of times over.
And on the 29th of November, I will show you precisely how to use them too.
I want to make something clear: This WON’T make you rich overnight. That’s not how it works. It’s not reckless. The sensible, methodical management of risk is one of the keys to my success.
These trading techniques are proven strategies used by serious Forex traders only – not wild-eyed gamblers! There’s no ‘magic button’, no ‘money lever’ – just a tried-and-tested approach to trading that I’ll teach you personally.
If you apply these simple principles correctly, I think you’ll be in a great position to bank a series of tidy profits.
Take a look at this…
Here’s a few examples of how I’ve used these core techniques on some real trades.
First off, here’s how I used my Cup-of-T pattern to make a swift gain on the AUD/USDcurrency pair:
It’s April 2014...
On the 9th of April, as the sun slowly started warming the country, the long position I’d taken on AUD/USD earlier that day had resulted in a 293.80% gain on margin. And that was before the day even had time to settle.
This is how the pattern shaped up
This is how the trade played out
The pattern did its job and I exited with a tidy profit.
How would you like to make gains like that? Well, that’s precisely what I’ll show you, if you take your place at my exclusive, one-off Forex seminar.
As Trading Tips readers probably know, I use these patterns to guide me through a successful trade.
And here’s how I used the W-FORMATION pattern:
On the 17 of October 204, after going long (buying) the AUD/USD currency pair, my W Formation pattern triggered my take profit level and I walked away with a fantastic 95.5% on margin.
(N.B. Don’t worry if you don’t fully grasp these examples here and now – that’s why I want you to join me on the 29th of November – so I can show you how it all works!)
This is how the pattern shaped up:
This is how the trade played out:
Imagine making that kind of gain for yourself. Not just once, or twice, but potentially on a regular basis!
I think these two examples perfectly illustrate how the subtle science of these patterns can translate into a very tasty profit.
And in just a few weeks, you could be making profitable trades like this all by yourself.
But as I want to show you, my core strategy aims to minimise losses, too.
Because – of course – my methods do not work 100% of the time! That would be impossible. But by using my carefully-worked-out money management rules - especially my famous 2% Rule - losses on losing trades can be kept within bounds.
That's why, at the seminar, I will show you EXACTLY how to place sensible protective stops using one of my special strategies so that your winners always outweigh your losers.
And the sooner you get to grips with these techniques the better.
Because in my view, there’s never been a better time to know key ways to draw money from the markets…
“2015 promises to be a trader’s paradise - I’ll show you how to avoid the pitfalls and grab the bounty.”
The fact of the matter is… Right now is the perfect time for you to learn my trading tips and techniques.
Because 2015 is going to be a pivotal year in the markets – and a huge opportunity for traders.
With the American 's tapering off on QE and parts of Europe back in recession, there is a hell of a lot of volatility – a dream ticket for traders with a bit of know-how.
If you have the skill and confidence, it can be quite simple to make money right now.
But – and I have to warn you - if you’re just finding your feet on your own, you could also stand to lose a lot of money.
I don’t want that to happen to you.
I want to show you how I think you can avoid costly mistakes that novice investors make… And how to greatly improve your chances of making money.
“On the 29th of November I’ll show you how easy it is to cut out the '5 Deadly Forex Mistakes' that most novice traders commit.
During my long trading career, I have made a point of identifying the five worst mistakes made by naive Forex traders.
In my view, nothing will cut down your losses like steering clear of these costly errors.
I call them the 5 deadly mistakes simply because, in my opinion, they are the worst blunders you can make… And each one could end up costing you dearly:
Deadly Mistake #1: Keep changing the System
Over time traders start relying on emotion and feelings, which is when doubt starts to creep in. What they don’t realise is it’s not about changing their system, but rather changing the way they go about trading the system. I’m going to show you how you can find your winning system with three simple words.
Deadly Mistake #2: Ignoring the market environment
One thing I always notice is that novice traders don’t take the market environment into account. They base their decisions on where they think the market is going, and this often leads to financial calamity! I’m going to show you a simple way to know what environment the market is in so that you can learn to trade with the trend, rather than against it.
Deadly Mistake #3: Wanting to trade everything
Picture a leopard waiting to pounce on its prey… Even though the leopard knows it can out-run any animal, it patiently waits for an injured and vulnerable one so its chance of gaining a meal is higher. Just like a leopard knows it can outpace most animals, as a trader you can take advantage of every possible trade at any time. The problems you’ll face, however, include the costs, emotions and all the movement in the market that make hunting a worthy trade so difficult. That’s why ‘leopard trading’ is the third ‘deadly trading mistake’ all traders should stay clear of.
Deadly Mistake #4: Not using protective stop-losses
I’ll reveal how my straightforward 2% Rule and Break-Even Rule can help you keep your losses to a rock-bottom minimum.
Deadly Mistake #5: Over-trading with positions too large for your account
Seems obvious, right? Well, you’d be shocked how many traders lose big money by getting stranded too far from shore. I’ll show you how trading within your means helps you live to trade another day.
But keep committing these blunders and they could end up costing you a bomb… And could put you off trading for good!
I have no doubt that my hard-won experience and advice, demonstrated to you in person, could be a life-changer for you as a trader.
Apply my methods and steer clear of these costly mistakes and I believe you will quickly:
Boost your performance and avoid the common mistakes most traders make.
Stop making emotional decisions when you trade. This will give you an instant edge over most traders.
Exploit market volatility to the maximum.
I’ll bring my proven strategy to life for you, and show you how each pattern works – myself – so that you can see what I’m doing and ask any questions you have the minute you need help!
I’ll explain my specific techniques and secrets – trading skills that could accelerate your success and level of income.
So let me tell you precisely what will happen on the day:
It sounds a lot - and it is!
This crash course has been designed to turn you into more than just a competent trader who knows how the markets work.
Its aim is to turn you into a trader with real know-how… Certainly someone who has the real potential to make a serious income from the markets – when it suits YOU!
I’ve booked a modern space in a Sandton location where you will learn, in comfort, my priceless trading methods.
Lunch will be provided, together with all the tea and coffee we’ll need to push ourselves through the itinerary!
You won’t have to bring a thing except for yourself. Pens, paper, a personal trading manual – I’ll provide the lot.
Everything will be taken care of so that you can focus on one thing – becoming a better trader.
Plus I’ll be available to talk to you after the end of the seminar.
Make no mistake… This will be a packed day, because I’m going to cram in as many useful techniques and trading knowledge as I can. And that’s a lot to get through.
I am going to squeeze in every bit of know-how I think you need to become a 100% clued-up trader.
By the end you’ll head home with a real understanding of powerful Forex trading secrets that’ll give you the potential to make a serious second income on your own.
But that’s not all…
The seminar doesn’t end there. I’m not just going to switch off at 5pm and walk out, job done!
I want you to be able to go back over the finer points of my strategy if you need to… Until you properly grasp these effective trading techniques.
So, after the seminar I’ll send you:
A private email address to ask me anything you like about my core strategy.
For 30 days after the seminar, you’ll be able to ask me anything you like about the techniques you’ll learn during the day. So when you are putting these practical powerful methods to use, I can help you apply them correctly.
A live DVD recording of the seminar.
So you don’t miss a thing – and so you don’t have to bother making pesky notes – I have arranged to have the session filmed so a DVD copy can be sent to you within four to six weeks after the seminar. Anything you need to check or need clarification on, you can see again, at your leisure. And if you’re still not sure – just drop me an email and I’ll be back in touch.
Key notes and my seminar slides.
For your personal reference, if you want to refresh your memory before a day’s trading, you can sit back and go over the points using this simple slideshow.
I think you’ll agree… This is FAR more than a usual tipping service or investment opportunity. This is a real chance to BECOME a trader with the kind of know-how that usually takes YEARS to acquire!
If you’re willing to put in the effort, I’m certain you will find the day very rewarding… And, potentially, extremely lucrative.
“Are YOU ready to put in a bit of hard work?”
As you’ll see, this isn’t all one way.
To get the most out of the day, you will need to put in some work.
Yes, you could just turn up, listen to what I have to say, discover my techniques and leave with a partial idea of how to start making money yourself.
But if you really want to understand my powerful trading methods, understand how to avoid common pitfalls and start applying these principles right away… It takes a little bit of ‘elbow grease’.
If you like the idea of learning the strategy and techniques that could make you – potentially – a lot more profits than you would normally… Please read the rest of this invitation now, and get ready to reserve your place quickly.
This invitation is going out to more than 36,534 profit-hungry traders like you.
I expect places to be snapped up within hours.
During the intensive day of the crash course, you’ll be expected to go through my strategy thoroughly, and a LOT of my secrets. You’ll also be sent a LIVE DVD recording of the day itself so you can go back over the crash course whenever you like.
The aim is simple – after this seminar (and by using the handbook you'll take home on the day), I think you’ll have the confidence to go out and use these simple strategies to make money on a far more regular basis.
That’s what this crash course is all about… Arming you with the techniques you need to seize profits from the markets!
Think of it as learning to ride a bike. If you went to a crash course on bike riding, and read ‘How To’ books on bike riding, you’d have a good idea of how to do it. But the only way to really learn is to get on the damn thing and ride!
And that’s what I’ll be encouraging you to do… To get into the markets, trade alongside me and see it working.
Yep – this isn’t like any other investment opportunity you’ve ever seen, because I’m not going to kid you; I’m here to show you how to – potentially – vastly increase the profits you make when you trade. And sometimes that’s going to involve a bit of sweat.
So, just to be 100% clear on where we stand before I formally offer you one of the 30 crash course places…
You’ll need to attend a seminar on the 29th of November (in Sandton).
You’ll have to work hard on the day, alongside me. Remember, I will be on hand to help you for 30 days afterwards – but you’ll have to put the work in to – potentially – turn this knowledge into profits. I’ll make it as easy as possible for you, handing you the tools you need to vastly improve your trading performance… But it’s you who’s going to have to push the buttons!
As I have said, this WON’T make you rich overnight. I don’t want you to have unrealistic expectations. I want you to join me with your eyes wide open. My trading techniques and professional strategy are used by committed investors. There’s no ‘magic button’, no ‘money lever’ – just tried-and-tested approaches to trading that I’ll guide you through personally.
As an FSP Invest subscriber, I think you’ve got what it takes and I really want you to benefit from this.
But of course the final decision is up to you.
Mark this date in your diary:
“29 November 2014 – the day you become a real Forex trader.”
I think my intensive, one-day seminar has the potential to bank you a level of profits that could make a real difference to your life.
If that sounds good to you, then I want you on this crash course programme.
I intend to pass on practical methods of making money from trading.
Frankly, if all goes well there is no limit to the financial upside for you. Just like me, you can use these methods for the rest of your trading life.
So I’m not going to beat around the bush or offer any discounts.
Many of the 1-day seminars I know of cost anything up to R15,000.
Most decent ones level out around R10,000...
But I’d like to give you a full day’s training, showing you my most powerful trading techniques … PLUS a DVD of the crash course programme… PLUS a comprehensive manual… PLUS full support for 30 days…
For a LIMITED, two-week-only, early bird price of only R3,995.
That’s for a full day’s tuition and mentoring – giving you the tools you need to take money from the market over and over again, for the rest of your trading life!
I’m happy to cut my fee down to the bone on this because you’re a FSP Invest subscriber, you know there’s the real potential to make money here.
Use the same techniques I’m using and you will have everything you need to build a sizeable second income.
I don’t need to tell you that R3,995 is a low fee for everything that’s included in this crash course. Especially as you’ll be learning a rare and valuable skill that I think could really help you make money - now and for the rest of your life.
Remember those two real trades I showed you earlier? One clocked 45%, the other 38%…
Not bad for a few minutes in front of the computer, I’m sure you’ll agree.
Of course, not every trade I’ve made is as profitable and I do not make a profit with every single trade.
But those are the kind of gains I think you could make consistently if you apply my techniques correctly. And I’ll show you how.
If all this sounds good to you, click here to book your place at my exclusive trading seminar right now.
“Don’t commit a single cent now.”
If you successfully reserve your place on my one-off crash course today, I’ll send you a confirmation email within the next 10 minutes, acknowledging payment and your place in the course.
Then, on the 29th of November the fun really starts…
At 11.00am sharp, I’ll start showing you the techniques I use to make effective trades practically every time I sit down at my computer.
From the first session alone you’ll have discovered much more than most private traders learn in a decade.
We’ll break at around 13.00pm for tea and coffee – and at this time, if you decide my one-day seminar is not for you, just tell me or one of my assistants and I’ll arrange for you to receive a full refund.
No questions, no quibbles – if you’re not entirely happy with the crash course, just let me know at first break, and I’ll happily give you a full refund and wish you well.
(Obviously you won’t be able to learn the rest of my trading secrets after that point!)
I don’t think I can say fairer than that… You can join me and spend two hours with me face to face, without risking a penny, and make up your own mind.
If you don’t think I can help you, just let me know, and I’ll sort out a refund for you there and then – no problem.
How’s that for a safety net? You have nothing to lose by booking your place.
You can do that here – but hurry – only 30 places are available.
If you’re serious about learning the skills and secrets that have the potential to help you build a good trading income, then I don’t see how you can pass up this rare opportunity…
I hope I’ve set out my stall and made it clear just what’s on offer (and what’s at stake) here.
I’d like to show you – in person – how you can potentially make regular trading profits from the comfort of your home, working the hours you want.
And I will be ‘on-call’ for you for a whole 30 days after to make sure you use these powerful trading techniques to their maximum potential.
I’ll repeat – you won’t make a fortune overnight, and you’ll have to put some work in – but if you truly want to make a difference to your trading success rate…
…And do something practical that could help pull in a number of sizeable profits…
Then I believe this is un-missable.
Remember, this invitation is going out to more than 10,238 traders, so if you’re interested, I urge you book your place immediately.
I expect places to be snapped up within hours of this invitation going out.
Don’t waste this chance. Claim your place right away!
I look forward to hearing from you very soon, and to welcoming you – in person – to my exclusive, one-day seminar on 29 November.
Always remember, “Wisdom Yields Wealth”
P.S. I really want you to be a part of this, so if you want to try and cut down your losses and close in on winning trades – I believe this seminar is exactly what you are looking for. Don’t miss out.


Winning a case in court is only the beginning of the process for collection of money that is owed to a plaintiff by the debtor. Unfortunately, in most cases the debtor does not normally pay up once the plaintiff has won. Therefore, it is up to the plaintiff to pursue the legal avenues available to them.
First and foremost, the judgment the plaintiff obtained is good for 10 years from the date of judgment, renewable for another 10 years, if obtained in a General District Court, and for 20 years from date of judgment, renewable for another 20 years, if obtained in a Circuit Court. This is the time in which the plaintiff can pursue the collection of the debt.
One often-used process is called the Writ of Fieri Facias. This is usually referred to as either a Writ of FiFa or Levy. This process authorizes the Sheriff to go to the debtor's residence and inventory and/or seize property for collection of the debt. The Writ of Fieri Facias is good for ninety (90) days from the date of issuance. This means the Sheriff has ninety (90) days in which to execute the process. It does not usually take ninety (90) days to execute, but some cases are more difficult than others and will take longer.
Steps to Levy Process
- Once received by the Sheriff, the Writ is time/date stamped and entered into the computer. It is then given to the Deputy who serves the area where the defendant lives.
- The Deputy is to determine the approximate value of the property to be levied upon.
- After the Deputy inventories the property, a copy of the inventory list and a Bond letter are sent to the plaintiff.
- The Bond letter informs the plaintiff how much of an indemnity bond will be needed prior to going to sale, if one has not already been posted. The bond indemnifies the Sheriff against any suit brought by third parties, should we levy upon property in the debtor's possession but owned by another. This bond must be posted prior to the sale. If the bond requested is not posted, the sale will be postponed. Surety for the bond can be obtained through an insurance company or a bondsman. Arrangements need to be coordinated with our office so we can properly complete the bond.
- Once the plaintiff completes the bond requirements, a Notice of Sale is prepared by the Sheriff's Office and mailed to both the Plaintiff and defendant. By law, the Sheriff must give at least ten (10) day's notice before any auction takes place.
- Advertising of the sale is placed in a minimum of three (3) locations within the City of Winchester. One is placed near or at the place where the sale is to be held. The signs are the property of the Sheriff's Office and cannot be removed without our permission. The Sheriff's Sales will also be advertised on the Sheriff's Office web site.
- The plaintiff may advertise in the newspaper, but the advertisement must be approved by the Sheriff prior to placing the ad. This will ensure all legal requirements are met. The cost of advertising in the newspaper is the plaintiff's expense; however, any cost incurred to recover the debt may be added. The plaintiff would be wise to keep all receipts related to the collection of the debt.
- If the plaintiff refuses to provide a bond when asked, the Sheriff is then under no obligation to proceed and can return the Writ back to the court not executed.
- Normally, the Sheriff performs the auction. However, if the plaintiff wants to hire an auctioneer, this is acceptable. The auctioneer must be approved by the Sheriff and is done so at the expense of the plaintiff.
- Both the plaintiff and defendant have rights and defenses and should seek the advice of an attorney if in doubt as to how to proceed.


Financing Your Carrier Purchase
Innovative Carrier products are trusted in more homes than any other brand. Expect the same trustworthy firebrand when it comes to financing your new Carrier purchase. Get in touch with us at Long’s Air Conditioning in Avon Park, FL to learn more about the Carrier financing plans we offer homeowners.
A Wise, Long-Term Investment
Through our relationship with various financing companies and participating Carrier dealers, we are able to offer a variety of flexible options for financing your new Carrier product or system.
This way, you can invest in a home HVAC system that is capable of providing you and your family with comfort and value for a long time. You need not stress so much about going over your monthly budget.
No Need for Credit Solutions
With the Carrier financing plans we offer, you do not need to use up existing funding resources like home equity credit lines, credit cards, or bank accounts. The plan is designed to allow you make payments in lower increments. The plan makes it easier for homeowners by providing 3 amazing advantages:
- Low Monthly Payments
- Preferred Interest Rates
- Flexible Terms


(1) Go to the nearest Western Union Office. A full list can be found on the Western Union website.
(2) Fill out the Western Union "To send Money" form. No bank account is required for sender or receiver.
(3) Give the form with the sending amount and fee to the Western Union Agent.
94) The Western Union Agent will enter the information into the computer and then give you a receipt with your Money Transfer Control Number (MTCN).
(4) Telephone or e-mail the MTCN number to us to collect the funds and ship your order.
Our contact details can be found here.
This is a very easy way to transfer money Internationally.
Related Link: http://www.westernunion.com.au


ESG: A Sustainable Trend - Updates from ULI Research
February 7, 2023
MACH attended the ULI conference in Washington D.C. in September. ULI is a thought leading organization with many lessons to impart, particularly from the annual ULI Emerging Trends report. The work is based on surveys of CRE (commercial real estate) professionals and research from ULI, PWC and others. A few interesting sustainability / efficiency data points from the report:
* - ESG (Environmental, Social and Governance) awareness is particularly high among Millennials. ESG work and performance is factored into investment decisions for 55% of Millennials and 25% of Gen X investors.
* - Other major investment issues for private equity investment decisions include energy efficiency (75% of respondents), sustainability governance (71%) and emissions / air quality (71%) (Source: PwC PE Responsible Investment Survey, 2019)
* - Data and Diligence : two survey respondents, a consultant to institutional asset managers and their client, stated they believe ESG monitoring as a part of the acquisition due diligence process can be associated with improved risk-adjusted returns.
* - Data and Due Diligence II : At MACH, we have heard from customers interested in leveraging our energy management software, energy reporting, budgeting and other functionality to help better diligence acquisitions. The visibility helps them move from guess-timates based on utility or tenant billing to more accurate forecasts, better post-purchase capital project outcomes and more insight into building operations or healthy buildings. More on better capital project outcomes here.
Check out the ULI press release here for more on the Emerging Trends report!


NEW ORLEANS, Feb. 13, 2023 – Agriculture Secretary Tom Vilsack announced the U.S. Department of Agriculture (USDA) is making funding available for agricultural producers and forest landowners nationwide to participate in voluntary conservation programs and adopt climate-smart practices. The Inflation Reduction Act (IRA) provided an additional $19.5 billion over five years for climate smart agriculture through several of the conservation programs that USDA’s Natural Resources Conservation Service (NRCS) implements. NRCS is making available $850 million in fiscal year 2023 for its oversubscribed conservation programs: the Environmental Quality Incentives Program (EQIP), Conservation Stewardship Program (CSP), Agricultural Conservation Easement Program (ACEP) and Regional Conservation Partnership Program (RCPP).
“The Inflation Reduction Act provided a once-in-a-generation investment in conservation on working lands, and we want to work with agricultural and forest landowners to invest in climate-smart practices that create value and economic opportunity for producers,” said Vilsack, who spoke today at the National Association of Conservation Districts annual meeting. “We know that agriculture plays a critical role in the nation’s effort to address climate change, we’re using this funding to bolster our existing programs, maximize climate benefits, and foster other environmental benefits across the landscape.”
The IRA funding includes an additional $8.45 billion for EQIP, $4.95 billion for RCPP, $3.25 billion for CSP, and $1.4 billion for ACEP. The increased funding levels begin in fiscal year 2023 and rapidly build over four years. These additional investments are estimated to help hundreds of thousands of farmers and ranchers apply conservation to millions of acres of land. Additionally, the IRA provides $300 million to quantify carbon sequestration and greenhouse gases (GHG) through the collection and use of field-based data to assess conservation outcomes. Information gained through this effort will be used to improve practices and technical assistance to customers. Further guidance on this important work will be provided as the implementation of this portion of the IRA continues.
These funds will provide direct climate mitigation benefits and will expand access to financial and technical assistance for producers to advance conservation on their farm, ranch or forest land through practices like cover cropping, conservation tillage, wetland restoration, prescribed grazing, nutrient management, tree planting and more. To ensure we can quantify the benefits of these IRA investments, NRCS is working to support Department-wide work on Measurement, Monitoring, Reporting and Verification (MMRV). The IRA provided targeted funding to support this effort. In administering the Inflation Reduction Act climate investments, USDA will also support other environmental co-benefits, including – among other things – water conservation, wildlife habitat improvements, and reducing runoff.
How to Apply
NRCS accepts producer applications for its conservation programs year-round, but producers interested in EQIP or CSP should apply by their state’s ranking dates to be considered for funding in the current cycle. Funding is provided through a competitive process and will include an opportunity to address the unmet demand from producers who have previously sought funding for climate-smart conservation activities.
For ACEP Agricultural Land Easements (ACEP-ALE) or Wetland Reserve Easements (ACEP-WRE), applications for the current IRA funding cycle must be submitted by March 17, 2023, for the first funding round. This year, NRCS will prioritize ACEP-ALE for grasslands in areas of highest risk for conversion to non-grassland uses to prevent the release of soil carbon stores. Meanwhile, NRCS will prioritize ACEP-WRE for eligible lands that contain soils high in organic carbon.
NRCS plans to roll out the next RCPP funding opportunity in early spring, which will include IRA funds from fiscal year 2023.
Other opportunities for agreements and partnerships at the state level will be announced for fiscal year 2023 in the coming months. The IRA provides funding to support those strategic partnerships with local, regional and national organizations. This will include outreach to underserved producers to ensure IRA climate funding is reaching those who have been previously unable to access conservation assistance.
Water Supply Investments
USDA also released today the Western Water and Working Lands Framework for Conservation Action that identifies 13 strategies that guide NRCS’s investments for helping agricultural producers and communities respond to the significant challenges resulting from threats to the water supply in the Nation’s most arid landscapes. Assistance delivered through these water-related strategies also helps build resilience to climate-change impacts such as droughts, wildfires and floods. Many of the resilience-focused activities and systems are also Climate Smart Agriculture and Forestry mitigation activities, which support carbon sequestration or greenhouse gas emissions reductions. Climate-smart mitigation activities are supported by the additional investments available from the IRA. As part of the Western Water and Working Lands Framework, USDA is also announcing and highlighting other drought focused investments, including the WaterSMART Initiative.
On Nov. 21, 2022, USDA published a Federal Register Notice requesting public input on implementation of the funding provided by the IRA and sought comments on program delivery and outreach, especially for underserved producers. That notice closed on Dec. 21, 2022, and NRCS received over 450 comments from the public, which the agency is using to guide actions in fiscal year 2023 and will continue to identify and adopt additional changes based on that public feedback in fiscal year 2024 and in future years.
On Aug. 16, 2022, President Biden signed the IRA into law. It is a historic, once-in-a-generation investment and opportunity for the agricultural communities that USDA serves. The IRA will help producers stay on the farm, prevent producers from becoming ineligible for future assistance and promote climate-smart agriculture by increasing access to conservation assistance.
USDA touches the lives of all Americans each day in so many positive ways. Under the Biden-Harris administration, USDA is transforming America’s food system with a greater focus on more resilient local and regional food production, fairer markets for all producers, ensuring access to safe, healthy and nutritious food in all communities, building new markets and streams of income for farmers and producers using climate smart food and forestry practices, making historic investments in infrastructure and clean energy capabilities in rural America, and committing to equity across the Department by removing systemic barriers and building a workforce more representative of America. To learn more, visit usda.gov.


As the world grapples with the challenges of climate change, carbon offset projects and carbon credits have gained significant attention. These initiatives play a vital role in reducing greenhouse gas emissions and achieving sustainability goals. However, like any other venture, carbon offset projects face inherent risks and liabilities. In this article, we will explore the importance of insurance coverage for carbon offset projects and carbon credits. By understanding the risks involved and the available insurance solutions, businesses and project developers can safeguard their initiatives and support the transition to a low-carbon economy.
Understanding Carbon Offset Projects and Carbon Credits
Carbon offset projects are initiatives that aim to reduce greenhouse gas emissions to counterbalance or “offset” emissions from other activities. They involve projects such as reforestation, renewable energy development, or energy efficiency improvements. Carbon credits are the units of measurement representing the reduction or removal of one metric ton of carbon dioxide equivalent (CO2e). These credits can be bought and sold, creating a market for emissions reductions.
Risks Associated with Carbon Offset Projects
Carbon offset projects face several risks and challenges. These include uncertainties in project validation, monitoring, and verification processes. Inaccurate or incomplete data can lead to risks related to the integrity of the credits generated. Additionally, the carbon market itself can be volatile, with fluctuating prices and regulatory uncertainties. Therefore, understanding and managing these risks is crucial for the success and credibility of carbon offset projects.
Insurance Coverage for Carbon Offset Projects
Insurance coverage plays a critical role in mitigating risks and protecting the stakeholders involved in carbon offset projects. Various types of insurance can be relevant, including general liability insurance, environmental liability insurance, and project-specific coverage for technology or operational risks. Tailored coverage is essential, considering the unique risks associated with each project phase, from development to verification and credit issuance.
Benefits of Insurance Coverage for Carbon Offset Projects
Obtaining insurance coverage for carbon offset projects offers several benefits. Firstly, it provides financial protection against unforeseen risks and liabilities, helping to safeguard project investments and potential revenue streams. Secondly, insurance coverage enhances project credibility and instills confidence in investors and stakeholders. It demonstrates a commitment to risk management and responsible project implementation. Lastly, insurance support can contribute to the long-term viability and scalability of carbon offset projects by facilitating access to project financing and reducing the perceived risks associated with the initiative.
Challenges and Considerations in Obtaining Insurance Coverage
While insurance coverage for carbon offset projects is essential, there are challenges to consider. Assessing and underwriting risks specific to carbon offset projects can be complex due to uncertainties in project outcomes and carbon market dynamics. Moreover, limited data and standardization in the carbon market can pose challenges in risk assessment and pricing. Affordability may also be a concern for emerging projects and innovative technologies. Overcoming these challenges requires collaboration among insurers, project developers, policymakers, and other stakeholders.
Real-world Examples and Case Studies
Several successful examples of insurance coverage for carbon offset projects exist. For instance, wind energy projects have obtained insurance coverage to protect against risks such as equipment failure or delays in construction. Collaboration between insurance providers, project developers, and independent verification bodies has been key to the successful implementation of insurance solutions. Lessons learned from existing projects and best practices can guide future initiatives and foster industry-wide resilience.
The Future of Insurance Coverage for Carbon Offset Projects
The future holds significant potential for innovative insurance products tailored to carbon offset projects. With advancements in technology and data analytics, insurers can leverage tools to better assess and manage project risks. Parametric insurance solutions that rely on predefined triggers and indices could offer faster claims settlement and streamline the insurance process. Collaboration among insurers, policymakers, and carbon market stakeholders is crucial for developing effective insurance frameworks and supporting the growth of the carbon offset market.
Insurance coverage is a crucial component in supporting the success and viability of carbon offset projects and carbon credits. By addressing the risks and liabilities associated with these initiatives, insurance provides financial protection and enhances project credibility. The availability of tailored insurance solutions for different stages of a carbon offset project is essential in managing uncertainties and fostering investor confidence.
While challenges exist, including risk assessment complexities and limited data in the carbon market, the industry is continuously evolving. Collaboration among insurers, project developers, and policymakers is crucial in developing innovative insurance products that meet the specific needs of carbon offset projects. Technology advancements, such as data analytics and parametric insurance solutions, offer promising avenues for streamlining insurance processes and improving claims settlement.
As the world moves towards a more sustainable future, insurance coverage for carbon offset projects will play a pivotal role. By managing risks and providing financial security, insurance supports the growth of the carbon offset market and accelerates the transition to a low-carbon economy. Continued exploration, collaboration, and knowledge sharing will drive the development of robust insurance frameworks that support the long-term success of carbon offset projects and contribute to a more sustainable planet.


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Established in 1974, we are a boutique independent insurance agency offering a comprehensive suite of insurance and financial services. We live where you live, we’re your neighbors and friends.We support our community and we’re accessible. Call and a real person you know will answer the phone. And we always provide a straight answer and sound advice. You are the focus of everything we do, and that’s why we build long-lasting relationships.
It means we are beholden to no one insurance company. It means we have one priority - you. Because we get to know you personally, our independence to choose from hundreds of carriers allows us to deliver you the best product at a price that works for your budget. Our goal and mission is simple: Make and keep you happy. Because when you’re happy, we’re happy. We strive to make your experience 100% hassle-free.


When most people hear the term "hard money" loan, they most likely think about sinister lenders such as dealing with the mafia or something just as outlandish. The truth of the matter though is that there is nothing dangerous about this type of financing. There is a myriad of lenders that offer this alternate financing, and the reason for this is because there is a need for instant cash loans. Below are some of the myths surrounding hard moneylenders and instant cash loans debunked.
Myth 1: Instant cash loans are illegal
The first myth is that hard money refers to illegally acquired money. This is simply false. These types of loans are referred to as hard money loans since they can only be guaranteed by immovable property or asset. This means that the loan you are applying for will only be granted depending on how much value the asset you have put up has. They are a convenient option when you need fast cash, whether for shopping, medical emergency or investing, at short notice.
Myth 2: Hard money lenders are out to steal from you
The second myth about these loans is that shoddy individuals fund them. This mistruth stems from the fact that not many people understand the world of money lending. Granted, a hard money lender is not affiliated with a conventional bank. Conventional banks are governed by rules that have been issued by the government. As such, there is not much leeway when it comes to giving money to borrowers who do not meet their criteria. The greatest advantage of hard money lenders is that it is private financing. These businesses are privately funded and as such can overlook a number of shortcomings in your application as long as you meet their core requirements.
Myth 3: Instant cash loans have short borrowing periods
The third myth about these loans is that they need to be paid in the shortest time possible. This misconception may come from the stringent period of time that one has to utilise this loan, but it is not that short. When considering instant cash loans, your loan term will be determined by the amount of money that you require. The best way forward would be to conduct some due diligence on your part so as to know what different loan options are available to your particular situation. This, in turn, enables you to make an educated decision on what amount of money would make the most sense to borrow and if you would be able to pay it off in the allocated period.