The UAE comfortably leads the rest of the world in the net migration rate, proving that it is by far the first choice for professionals from a range of industries who want to work abroad. Although it was originally oil reserves that kick-started the region's economic boom, two decades of diversification have seen the UAE expand to become one of the most highly developed, fastest growing economies in the world.
The boom in sectors such as construction and financial services, coupled with changes in the laws of foreign ownership, have seen many of the world's leading companies look to establish themselves in the UAE, most notably in Dubai and Abu Dhabi. This is turn has led to excellent career opportunities in a number of industries for professionals looking to relocate to this region. The benefits of working in the UAE include tax-free income, a high standard of living and a warm climate.
Dubai in the United Arab Emirates has become one of the best options for professionals wanting to live and work abroad. There are many booming industries and sectors in the region, leading to excellent opportunities in a number of fields, including financial services. The quality of life for those opting to work in Dubai can be far better than elsewhere due to it being completely income tax free.
At Morgan McKinley, our experts in professional services recruitment abroad can help you secure the position you want in a number of cities worldwide, including Dubai. If you are considering moving to work in Dubai from Australia, contact us for the best employment options and advice.
Living in the UAE – Fast Facts
- Dubai has a population of almost 1.25 million, with a reported male/female ratio of 73/27.
- The currency in Dubai is the Dirham.
- Dubai’s Burj Al Arab hotel is the world’s only seven-star establishment.
- Foreign nationals comprise up to 90% of the population with many global companies having offices there.
- Dubai’s working week is typically between 40 and 48 hours.
- UAE is a tax-free country.
Visa requirements in the UAE
You will require a visa to enter the UAE whether you are visiting for business or pleasure, or planning to live and work in the city. Visa options include visitor visa, transit visa or residence visa and labour card. You can find out more about visa requirements via the UAE Embassy website.
Thinking about moving to the UAE?
If you are considering working abroad, international recruitment specialists Morgan McKinley can give you advice and guidance on a number of locations worldwide, including Dubai.


Minimum alcohol pricing
A lengthy article was published in the BMJ today about the decision the government made last year to abandon their previously-stated plans on minimum alcohol pricing. As you might expect from the BMJ, with their strident anti-industry agenda, the article claims this is all about a terrible conspiracy in which the evil drinks industry and the government collude together to put the interests of the evil drinks industry ahead of public health.
The reality, I believe, is a little more complicated than that.
I should state straight away that I do not doubt that minimum alcohol pricing would have beneficial effects on public health. Alcohol causes a lot of harm. When people get drunk, they get into fights and have accidents. The long term consequences of over-use of alcohol include many diseases, most notably liver disease, but also many cancers.
It is an almost universal law in economics that if you put the price of something up, consumption goes down. How much it goes down may be open to debate, but it is inconceivable that putting the price of alcohol up wouldn't reduce consumption. So a minimum price for alcohol, if set above the market rate for the cheapest forms of alcohol, would undoubtedly reduce alcohol consumption, and it is likely that that would have beneficial effects on public health.
So, case closed then? Minimum alcohol pricing is a thoroughly good thing, and if the policy has been dropped, then that must be evidence of an evil conspiracy, right?
Well, no. A policy such as minimum alcohol pricing does not magically affect public health in isolation without having wider consequences. It also has economic consequences, and the economic consequences of minimum alcohol pricing would be considerably less welcome than the public health consequences.
To explain the economic consequences of minimum alcohol pricing, it's time for some economics geekery. Here's a little graph.
This graph shows how minimum alcohol pricing, if set above the free market price, would affect consumption. (If you're not familiar with this kind of supply-and-demand graph, here's an excellent explanation on YouTube from economics lecturer Jodi Beggs.) The upward-sloping black line S represents the amount of alcohol that the drinks industry is willing to supply at different prices: the higher the price, the more it is worth their while to supply. The downward sloping green line D represents the consumer demand curve. The higher the price, the less alcohol consumers will want to buy. In a free market, supply and demand will be in equilibrium where those two lines cross. A quantity QF of alcohol will be consumed at a price of PF.
Now consider what happens if a minimum unit price (PMUP) is set, which is above the free market price. The price is now constrained to be PMUP, and consumers will now only be willing to buy a lower quantity, shown as QMUP on the graph. (And if you want YouTube videos from Jodi Beggs again, she explains the concept of minimum pricing here and here).
Consumers are now worse off, by an amount represented by the shaded area on the graph. The light green shaded area A represents how much they are worse off financially. They are paying more than they need to for the alcohol consumed, by an amount PMUP minus PF, for a quantity of alcohol QMUP. To see their overall loss, we must also add the light blue shaded area B. This is the loss of enjoyment as a result of the alcohol they are no longer drinking, which they would have liked to have drunk had it been at the original free market price.
The net result is that consumers are worse off, by the total shaded area A + B. The drinks industry may be better off, as a result of charging higher prices, or worse off if the loss of demand more than makes up for the higher prices, depending on how much sales are affected by the increase in price (the price elasticity of demand, to put it in economics terms).
So a minimum alcohol price would have public health benefits, but at an economic cost to consumers. But we ought also to consider the distributional effects.
The big problem I have with minimum alcohol pricing is not that it represents a cost to consumer per se, but that that cost does not fall equally across society. It is regressive. It disproportionately disadvantages the poor. It may be easy for middle-class health campaigners to forget this, as they sip a nice glass of Châteauneuf-du-Pape which would never be affected by minimum pricing anyway, but some people cannot afford expensive forms of alcoholic drinks. For some people on low incomes, their alcohol consumption may be entirely at the cheaper end of the market, and those people will be disproportionately disadvantaged by minimum alcohol pricing, even if they drink at a level which is not doing them any great harm.
So yeah, maybe the minimum alcohol pricing policy was dropped because of an evil conspiracy by the evil drinks industry (though bear in mind that minimum pricing might actually have increased their profits if the price elasticity of demand was low enough), but just maybe it was dropped for sensible economic reasons.


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Tue, Aug 1 2017 - Sat, Aug 5 2017
See $1 billion of rare coins and colorful currency national treasures including historic Colorado gold, a famous $3 million nickel and a U.S. Treasury Department display with $100,000 bills at the American Numismatic Association World’s Fair of Money®, a family-friendly educational event, August 1-5, 2017, in the Colorado Convention Center in Denver. More than 500 dealers will be buying and selling, and many will provide free, informal evaluations of the public’s old coins and paper money.
When:Tuesday – Saturday, August 1-5, 2017
Hours: Tuesday, 1 – 5:30 pm; Wednesday – Friday, 10 am – 5:30 pm; Saturday, 10 am – 4 pm.


If we happened to be in Berkeley CA today, we might be able to attend an Ed Surge sponsored “Meetup” to discuss “Blockchain, Bitcoing, and Digital Credentials in Higher Ed.” If not, it’s live-streaming at 8pm MST here. Bitcoin is about half of the valuation, as of 2/7/18, but it changes every day; using it for tuition isn’t really groundbreaking for learning. Hopefully, the part PSA is most interested in, using Blockchain as a way to legitimize digital credentials, is less volatile.
That’s the “singularity moment” for online learning…when credentials for individuals finally escape being captive to large institutional gatekeepers of “graduation and degrees”, and similar official recognition of learning achievements. Rather, learning achievement would include all learning activities however eclectic and disperse in origin, such as online makes possible, and would be valid for employment.
IOW, we are in the transition period from credentials based on a physical institution with standardized course lengths and formats, to a virtual location, where learning can be aggregated together independently of where it occurred. Say goodbye to transfer of credit hassles…but more to the point, take advantage of all the online learning can enable, which is, in many important ways, a thorough rethinking of what learning is, and how we do it.
In 2014, Kings College in New York became the first university in the U.S. to accept Bitcoin for tuition payments. But much has changed since then, including the value of Bitcoin itself, which skyrocketed to more than $19,000 in December and catapulted cryptocurrencies into the mainstream.
A handful of other universities (and even preschools) now accept Bitcoin for tuition, but that’s hardly the extent of how blockchains and tokens are weaving their way into education: Educators and edtech entrepreneurs are now testing out ways to harness blockchain technology to verify learning as well as issue degrees and credentials.
In this meetup, EdSurge HigherEd will talk with experts (see below) about how blockchain technology is being explored and experimented with in higher education, in particular around credentialing. Join us for a panel discussion, networking and light refreshments as we discuss the risks, the hype, and what else you need to know about blockchain in higher education.
- Phil Komarny, VP of innovation at Salesforce (formerly Chief Digital Officer at UT System)
- Aparna Krishnan, UC Berkeley student and leader of Blockchain at Berkeley student group
- Roberto Santana, Advisor to product and strategy at BitDegree (formerly Coursera)


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Baldi Valuation evaluates commercial property based on objective analysis, in-depth knowledge of local real estate markets, and well advised judgment. We value customer relationships and understand our clients need quick turnarounds and attentive customer service with every assignment. We believe in a positive work environment, where people get excited about real estate and serving the industry. We cover a geography that encompasses the State of Connecticut and Rhode Island. Assignments are considered in New York and Massachusetts on a case-by-case basis.
Our difference is customer service and responsiveness. Considering the current economic climate, we understand that any reasonable advantage to successfully complete a transaction should be employed. That includes contracting with a responsive, professional, and objective commercial appraiser. Many of our lending clients would report that we have been an advantage, and a strongpoint, within their loan supply chain. We produce excellent work, and complete it on time, over and over again. Our clients have confidence in our turnaround times and quality, allowing them to get business done faster and more efficiently.
We provide independent valuations in accordance with the highest industry standards. Our clients often notify us that we have done an outstanding job for them, or that a borrower reported how the appraiser was responsive, respectful, and considerate. Our goal is nothing short of an outstanding review, and we do not tolerate late work, or work that is not absolutely first rate. All properties are inspected, and all valuations are carefully crafted by an MAI appraiser at our company.
Baldi Valuation continually focuses on improving product quality, communication, and the overall customer experience. Our firm uses state of the art appraisal software and technology that provides competitive advantage in data management, report quality, and production capacity. Baldi Valuation has a mission to stay a leap ahead of the competition in areas of technology.
All employees at Baldi Valuation have graduated from leading business universities, such as the University of Connecticut. Employees are carefully selected based primarily on their character. In addition, all of our employees are currently working towards full certification and an eventual MAI designation. An MAI Designation denotes the highest level of valuation education and experience. Employees are required to get involved within the industry with respect to membership in trade organizations, board positions, and specialty education.
Prior to founding Baldi Valuation, Mr. Baldi was employed at Italia and Lemp, Inc. for several years as a commercial real estate appraiser. At Italia and Lemp, he actively mentored and trained appraisers, and was one the primary appraisers for complex property appraisals.
Some notable appraisals include Statehouse Square, CityPlace II, the G Fox department store building, 265 Church Street office tower in New Haven, the Dyno Nobel explosives plant in Simsbury, the former Springfield Armory in Springfield Massachusetts, and several of the largest parking garages in New Haven and Hartford. Mr. Baldi has strong experience with multifamily properties, with appraisals for scattered site portfolios of nearly 700 units.
Prior to joining Italia and Lemp, Inc., he worked at the Connecticut Housing Finance Authority in the multifamily underwriting department and the multifamily asset management department. Mr. Baldi was also involved with the application process for low income housing tax credit (LIHTC) and tax-exempt bond financing programs.
Mr. Baldi has broad experience with multifamily, industrial, office, retail, and lodging property types, with his single largest valuation amounting to roughly $60,000,000 and several around the $50,000,000 mark.
B.S. Degree in Business Administration, summa cum laude
University of Connecticut, Storrs, Connecticut
Major: Finance, Real Estate and Urban Economics
Cumulative GPA: 3.94/4.00
The Appraisal Institute
MAI Designation No. 573416
Fully Licensed Certified General Appraiser in CT, RI, NY, MA
Licensed Real Estate Broker in CT
National Association of Realtors (NAR)
Greater Hartford Association of Realtors (GHAR)
The Real Estate Finance Association of Connecticut (REFA)
2015 Voting Board Member, Connecticut Chapter of the Appraisal Institute
2015 Chair of Public Relations, Connecticut Chapter of the Appraisal Institute
2016 Treasurer, Connecticut Chapter of the Appraisal Institute
2017 Second Vice President, Connecticut Chapter of the Appraisal Institute


Foreign trade represented more than 50% of the Nepalese GDP in 2009. Although state policies have been modified with the changes of government, the country seems to be very eager to open its economy.
As a matter of fact, the Nepalese government is showing a special interest in establishing an export-oriented economy. Companies exporting more than 90% of their goods are exempted from custom duties, excise duties and sales taxes. However, there are major barriers to the development of trade, such as lack of skilled labor force, low level of advanced technology, difficult geographical accessibility, limited domestic market and high import duties (which can reach 140%).
Historically, for many years Nepal’s trade balance has been in deficit. Even if the exports have not been greatly hurt by the global economic crisis, the deficit has been deepening following an increase in imports.
Nepal’s main trading partners are India, China, Bangladesh, USA. The country mainly exports clothing, carpets, handicrafts, leather and jute products, vegetables and cereals Nepal imports oil and oil products, machinery & equipment and electronics.
Nepal had adopted liberal trade policy in 1992 and the new Trade Policy is announced in 2014. The foreign trade of Nepal is being directed towards wide range of countries in the world after Nepal became the member of WTO in 2004. Nepal has trade relation with more than 100 countries. Nepal has identified 19 selected items for exports through its National Trade Integration Strategy (NTIS) in 2010.
Nepal is facing a problem of ever increasing trade deficit. Import is rapidly increasing but the increase in export is very low. Nepal is facing trouble to take the advantage of globalization in trade.


Comment on page
The liquidity mining program is designed in a way that liquidity provider interests are aligned with the protocol’s long-term success. It rewards early participants generously while ensuring that the circulating supply of our governance token PLY increases gradually. This is achieved by a progressive locking mechanism that encourages delayed gratification.
- Allocation: 260,000,000 PLY
- Duration: March 2, 2022 - May 5, 2022
At maximum, 5% of pre-mine tokens will be in circulation the first week after the token launch because of the Progressive Locking mechanism.
- Allocation: 3,740,000,000 PLY
- Duration: 52 weeks
*Ecosystem Liquidity allocation is reserved for incentivizing Aurigami's liquidity growth via other platforms in the ecosystem. For example, vaults and integrations.
Every week, a portion of the PLY reward can be unlocked, while the rest will remain locked (as PULP).
The later the claim, the larger the percentage of PLY that will be unlocked. 76 weeks after the token launch, all PULP can be converted 1:1 into PLY.
Alice mines 100 PLY by Week 1, including premine rewards. If she were to claim, she would receive 5 PLY and 95 PULP (5% PLY, 95% PULP).Alice continues to farm and mines another 50 PLY by Week 4. If she were to make another claim in Week 4, she would receive 5.5 PLY and 44.5 PULP (11% PLY, 89% PULP).
Bob mines 200 PLY by Week 48, including premine rewards. If he were to claim, he would receive 198 PLY and 2 PULP. (98% PLY, 2% PULP)


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Racing Queensland’s Investment Growth Plan Receives Acceleration Boost
An increase in racing prize money has been guaranteed to Cluden Park thanks to a change in funding from the Palaszczuk Government.
This week, the Palaszczuk Government announced changes to return 35% of the Point of Consumption tax back to Queensland’s racing industry, beginning 1 January 2022.
This has resulted in a total increase of $5.5 million in prize money across the racing industry, including thoroughbreds, greyhounds, and harness racing.
Cluden Park’s races will receive upwards of $1.5k-$2k increases in prize money per race.
Cluden Park’s committee chairman, Malcolm Petrofski, has high praise for the decision.
“The announcement today around increased prize money is a good result for racing in Queensland,” said Petrofski.
“The decision to give all in the industry a chance to benefit, by not allocating prize money increases to just one or two feature races, is a sound one."
The government’s decision compliments Racing Queensland’s recent provision of $150,000 to the local horse racing and event hire facility to upgrade their track lighting system.
The funding comes as a result of Racing Queensland’s recent facilities audit process.
It is expected that the new LED lighting will reduce Cluden Park’s carbon footprint and provide improved safety for industry participants, primarily the horses, trainers, and jockeys who make use of the track in the dark hours of the morning.
The upgrade has local jockey, Frank Edwards, in high spirits.
“The new lighting is absolutely fantastic for the work we do on the track,” admitted Edwards.
“The bright LEDs afford a better view of proceedings, which is important when you can have up to ten horses at a time working on the track.
“Horses will be coming on and off during this time, and it’s great to now have this increased vision of the track ahead.”
The continued support of the industry from both government and governing bodies is a positive sign for the more than 12,500 Queenslanders employed in racing.


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Poker2u.fun treats the client's personal information with care. We will do all possible to protect your personal information and data. To complete payments, we retain the right to disclose relevant personal information to payment service providers, as well as financial and insurance organisations, via the website.
All personal information provided by members is transferred using 128-bit SSL encryption. They will also be kept in a safe location that cannot be accessed. Furthermore, all internal data access will be rigorously limited and controlled.
At the same time, we'll demonstrate how we handle consumer information. We are legally obligated to use your personal data, and we must have a compelling purpose to acquire it (as to why your personal data is collected, we have a description of a particular page). We'll let you know why we're collecting your data and whether or not we need to share it with anyone else.


New to payments or looking to strengthen your skills? Set yourself up for success by building a strong foundation of payments industry knowledge.
You’ll begin by exploring the payments landscape, where you’ll learn about the history and value of payments and how they work. You’ll discuss emerging payments models and see how issuers and acquirers can leverage new opportunities.
You’ll then receive an overview of operations as you dive into network processing, transaction use cases, billing and settlement and how to navigate Visa’s core rules. Next, you’ll discover why fraud matters, types of fraud and strategies issuers and acquirers can use to mitigate risk.
The course will conclude with a discussion on portfolio management, where you’ll learn more about getting into (and to the top of) customers’ digital wallets and how to measure your performance.
Upon completion of the course, you’ll return to your role with the knowledge and skills you need to help build and evolve strategy in your organization, drive business growth and improve your personal performance.
- The payments landscape (2 days)
- Evolution of payments
- Value of payments ecosystems
- How payments work
- Emerging trends, including real-time payments and cryptocurrency
- Issuer strategy
- Acquirer strategy
- Operations (1.5 days)
- Network processing
- Transaction use cases
- Billing, settlement and Visa Quarterly Operating Certificates
- Rules and technology specifications
- Fraud (2.5 days)
- Fraud by channel
- Issuer fraud management
- Acquirer and merchant risk management
- Fraud ecosystem tools
- Portfolio management (1 day)
- Acquiring new customers
- Lifecycle management
- Performance analysis
Who Should Attend:
- Individuals who are new to payments or who would like to strengthen their knowledge of the payments industry and key concepts and processes.
- Individuals who are in the banking industry and new to payments.
- All course sessions are listed in Pacific Time (PT). To convert to your time zone, click the clock icon next to the session listing.
- Accompanying course participant guides will be provided for you to download.
- Enrollment closes one business day prior to the session start date for virtual courses. You will not be able to enroll in a virtual course on the day of the session.
- Register for any multi-day virtual course at least six weeks in advance and receive a 15% discount. Enter the code Save15 at checkout to receive this offer.
Meet Our Experts
Learn from skilled instructors with professional experience in the field.


General Motors cut the starting price of the plug-in hybrid sedan by $5,000 to compete against the less-expensive and better-selling Toyota Prius and Nissan Leaf.
The 2014 Volt, arriving in U.S. dealerships later this month, will start at $34,995, the Detroit-based automaker said today in an e-mailed statement. The price cut comes, in part, to make sure the Volt shows up in online shopping searches along with the Prius and Leaf, which start, respectively, at $25,010 and $29,650, including destination fees, GM said.
“GM is getting with the times,” Michelle Krebs, a senior analyst with Edmunds.com, a website that tracks auto pricing, said in an e-mail. “Consumers want electric and plug-in hybrid vehicles at prices competitive with other vehicles without the advanced technology.”
The model, which is eligible for a $7,500 U.S. tax credit, was introduced in 2010. Volt is GM’s flagship car for its efforts to have about 500,000 vehicles on the road by 2017 with some form of electrification. The car can travel 38 miles (61 kilometers) on battery power before a gasoline engine engages.
“We have made great strides in reducing costs as we gain experience with electric vehicles and their components,” Don Johnson, Chevrolet U.S. sales vice president, said in the statement
While Volt sales rose 9.2 percent through July, deliveries slipped 3.3 percent last month. That followed a 53 percent gain in June when the average cost of incentives per Volt was $6,195, according to Edmunds, citing the most recent month with available data.
Leaf sales accelerated this year after Nissan in January added an S version of the Leaf that’s cheaper than the SV and SL models. Unlike the Volt, the Leaf has no extended range engine. Leaf sales more than tripled to 11,703 through July from 3,543 during the same period a year earlier, outselling Volt in the U.S. by 60 vehicles.
Toyota’s Prius is the most frequently traded-in vehicle for a Volt, GM said in the statement.
U.S. sales of the Prius were little changed through July with 143,508 deliveries. Those results include sales of a plug-in version of the Prius, which saw deliveries slip 8.3 percent, according to researcher Autodata Corp. The plug-in Prius starts at $32,810. Toyota also sells a subcompact Prius c that sells for $19,890.


The microEDS system makes it possible to use the Backup services of Decision Makers. Backup takes place on a daily / weekly basis. As part of the backup, an orderly copy of the unit's database is transferred for storage on the company's cloud servers. Use of the backup services involves payment under a commercial agreement.
Activating the backup allows the user to view the unit data continuously with the help of the company's EDS Client software. Use of the EDS Client software does not involve payment for customers who have purchased the backup agreement.


Since 2009, GOAT (Great Outdoor Adventure Trips) has taken nearly 10,000 students on unforgettable adventures because of the generosity of our supporters. Currently, 30% of our funding comes through monthly supporters - a group of faithful donors we call “The Tribe.” Funny enough, a group of goats is referred to as a “tribe.” We are trying to increase monthly support from 30% of donations to 50%.
Monthly giving allows us to plan better and allocate scholarships in advance. It allows us to tell a student that we know they can be a part of our program because The Tribe has made sure that we have the resources available for them. Would you prayerfully consider joining The Tribe?
Thank you for your generosity!


Cardano is a decentralized public blockchain evolved out of a scientific philosophy and a research-first driven approach. It uses Ouroboros, the first provably secure proof of stake algorithm. We are excited to support a project that is taking a scientifically rigorous approach to blockchain development.
Frequently Asked Questions
Here are answers to some of the questions our community members have asked us. Don't hesitate to reach out to us if you still have additional questions.
Cardano's Shelley era begins the road towards decentralization on Cardano. To test incentivization in a real-world setting, Cardano has created the Shelley incentivized testnet that will let delegators and validators (otherwise known as staking pools) earn real rewards.
A snapshot of the mainnet was taken at 12:00 UTC on November 29, 2019. Anyone who had ADA in Daedalus or Yoroi wallet will receive testnet ADA that they can use to become a delegator or run a validator.
Any of the staking rewards received will be transferred over to the Cardano mainnet after the Shelley incentivized testnet has concluded.
Cardano is a decentralized public blockchain evolved out of a scientific philosophy and a research-first driven approach. To learn more, please see their <url>whitepaper</url>.
New blocks on Cardano are proposed by validators. Validators typically have technical capabilities to put together a secure infrastructure that will be online 24/7 so that Cardano runs seamlessly.
Not everyone is able to do this, and so they can participate indirectly by delegating the tokens they have to a validator. In a sense, validators are running a service for delegators. Validators would typically charge a fee to cover their operational costs.
Once you delegate ADA, you are helping secure the network. For assisting in this, you get part of the rewards provided by the protocol. If you are planning to hold on to ADA for some time, delegating will help you accumulate more ADA while contributing to the health of the network.
You are not giving away ownership of ADA by delegating. We will never have the ability to move your ADA as a validator.
We charge 4% on the block rewards received by our delegators. For example, if a delegator receives 100 ADA as a reward, stake.fish will receive 4 ADA while the delegator will get 96 ADA. We offer one of the lowest fees of the strong proven validators.
If you have any questions about staking or our validator services, please do not hesitate to reach out to us. We are happy to talk with anyone and help navigate community members through this exciting new ecosystem.Get in Touch


It is more than 50 years since LOGSTOR developed the technology behind trail-blazing district heating solutions that revolutionised the energy sector – and continues to set new standards to this day. As the leading manufacturer of preinsulated pipe systems in the world, requirements on LOGSTOR’s energy-efficient products are sky high. Production is distinguished by peerless sector experience backed by constant innovation at the cutting edge of the latest technology.
This ensures LOGSTOR’s customers an investment in the most energy-efficient and sustainable transport of liquids and gases for district heating and cooling and for the shipping, oil and gas industries.
LOGSTOR’s head office is located in Løgstør, Denmark, and the company employs around 1,200 people in 12 different countries. Production is carried out at the group’s eight factories in Denmark, Finland, Poland, Romania and Sweden.
LOGSTOR is fully owned by Triton Fund III. The Triton funds invest in and support the positive development of medium-sized businesses headquartered in Northern Europe – with a focus on companies in Austria, Denmark, Finland, Germany, Italy, Norway, Spain, Sweden and Switzerland. Within this European region, Triton focuses on businesses in the Industrial, Business Services, and Consumer/Health sectors.
Founded in 1997, Triton seeks to contribute to the building of better businesses for the longer term. Triton and its executives wish to be agents of positive change towards sustainable operational improvements and growth. The 29 companies currently in Triton’s portfolio have combined sales of approximately € 13.8 billion and over 59,000 employees.
The Triton funds are advised by dedicated teams of investment professionals based in Germany, Sweden, United Kingdom, Luxembourg and Jersey.


Wichita, KS Financial Planning Services
Baxter & Associates, Inc.
Welcome to Baxter & Associates, Inc. of Wichita, KS. We have been assisting people achieve their financial goals for over 40 years. Don Baxter, CFP and Mickey Ellison, CFP are always ready to give their professional service. We assure our clients satisfaction. Be one of our satisfied customers.
About Baxter & Associates, Inc.:
- 40 years of experience
- Financial planning services
- Professional and reliable service
We are located southeast of 21st and K-96 intersection.
Contact Baxter & Associates, Inc. today at 316-652-0101.


How To Stop Money Leaks
People are always trying to save money, especially with today’s economy.
The price of everything has gone up, requiring people to be more conscientious about money. The problem is that by the time the mortgage, car, utilities, and credit cards are paid, there is little money to put aside. Saving money is not that hard, just a matter of learning all the different options and being creative.
In addition to the obvious of putting money into a retirement fund or savings account, there are hundreds of ways to save money. Although some ways of saving may not seem like much, once you add them up at the end of the year, you will see how substantial the savings really are.
Keep in mind that saving is more than a single lump sum of money put aside. Saving is something found in your everyday life by the way you live and the choices you make.
Rome was not built in a day and neither will your bank account be. Each penny saved is one more penny than before. If you have the ability to save big, that is great. However, most people are not in that position, which is why this e-book will show you how little savings can add up quickly.
Be encouraged that it is never too late to start saving, regardless of your age. Set your mind that now is the time to start building your future.
Imagine you have a huge water pot. Each morning you fill that water pot to the brim with lovely refreshing clean water HOWEVER you don’t realize that the water pot has numerous leaks in it.
Of course… During the day that water pot slowly runs empty because of all of the leaks. You come home from work dying of thirst and you go to your precious water pot and it’s dry.
Sadly this is what we do with our money too… Unless we find ways to save it our financial life resembles very much that of the water pot.
Unless we plug the leaks there will come a day when we need to buy something but the money pot will be dry.
It all starts with plugging the biggest leaks first…
Plug just one big leak and that will keep the water and money pot fuller for longer. Manage to plug a few other leaks and your money pot will not be empty when you need it most.


Once you enable the feature of prepayments, you will be able to enter information about your clients' prepayments into the system. The information will be visible when adding and editing an appointment and in the customer record. The revenue from prepayments will be accounted for in your financial reports.
In order to enable prepayments:
- Log in as an administrator
- Click settings in the main left sidebar
- Click the prepayments button:
- Click the enable prepayments button in the right upper corner:
- Configure the prepayments settings:
• Default prepayment amount - set the defulat prepayment amount for all services in your salon. You can select a percentage or a fixed amount. You will have the possibility to set exceptions for particular services when adding a new service or editing an existing one.
• Minimum prepayment amount - choose whether you want to set a minimum prepayment amount that will apply to all services and if so, specify the minimum amount.
• Round prepayment amounts down to the nearest whole number - determine whether prepayment amounts should be rounded down to the nearest whole number. This function may be particularly useful if you set the defult prepayment amount as a percentage.
- Click save changes.


Insurance & Financing
At Dr. Mark DiMartino, D.D.S, we firmly believe that you deserve top-of-the-line dental care available. Therefore, we provide several services and high-quality procedures to meet all your dental needs.
However, many people refrain from going to the dentist citing financial concerns. It is a misconceived notion that dental care is always expensive. We do everything in our power to provide affordable dental care for all. We accept most Excellus plans, a few of them are:
- Blue Select
- College Blue
- Dental Blue Options
- Medicare Advantage
- Smile Saver
- Simply Blue Plus Dental
We accept care credit as payment too. Care credit is a simple healthcare credit card that you can use to pay for your medical and dental needs. Once the payment is made, care credit will generate a suitable monthly payment plan through which you can pay it back.
Cash and Credit Card
If you don’t have insurance or care credit, you can always visit us at Dr. Mark DiMartino, D.D.S, and we’ll chart out a solution for you. You can pay according to the treatment you receive, and the time it takes to complete it. We also accept credit cards as payment for your dental services.


- This event has passed.
Strong Towns Workshop
April 15, 2015 @ 8:00 am - 4:00 pm$25
The Strong Towns Workshop covers Strong Towns Thinking, the predicament of funding, the finance of places, and understanding transportation and mobility.
Strong Towns is a non-profit, non-partisan organization that helps America’s towns achieve financial strength and resiliency.
They travel the nation to promote a complete understanding of the costs that are associated with our communities’ methods of growth, and they advocate to address those costs via productive changes in our pattern of development.
- 8:00 am-8:30am Registration
- 8:30 AM – Workshop Opening and Introductions
- 8:45 AM – Introduction to Strong Towns Thinking
- 9:00 AM – The Predicament of Funding
- Financing Growth
- Funding Transportation
- 10:30 AM – Break
- 10:45 AM – The Finance of our Places Overview:
Local government decisions are dominated by our desire to experience growth and create jobs, but what if these short term objectives are undermining the long term health of our cities? This session explains how the way we currently build and finance cities provides an “illusion of wealth” but creates enormous long term liabilities. Participants will learn how local governments can make high return investments and update methods for evaluating the financial viability of a project.Topics Covered:
- How horizontal growth creates an illusion of wealth for local governments, providing nominal, near-term, financial gains in exchange for enormous, long-term financial obligations.
- How to identify a financially productive place, one that produces more wealth for the community than it requires in services and subsidies.
- How to calculate the public’s return on investment, the actual dollars that the local government will have returned to it for the dollars that it commits to a project.
- Developing an understanding of salvage value and how it is properly applied in the context of a local government project.
- How grants, low interest loans and public/private partnerships impact the long term viability of a project.
- How to build a strong tax base using an incremental public investment strategy that blends low risk / stable return investments with low risk / high return speculation.
- 12:15 PM – Lunch
- 1:00 PM – Shared Values: Understanding Transportation and Mobility
Investments in transportation have long been synonymous with economic growth and job creation. While this was often the case in the early days of highway building, that correlation is no longer guaranteed, especially at the local level. With road maintenance liabilities overwhelming federal, state and local budgets, a more strategic approach is needed. By understanding the difference between a road and a street, local governments can spend less money and attain better results, improving their financial health.Topics Covered:
- A brief history of highway engineering, particularly as it applies to construction of local projects.
- An introduction to the concept of a stroad, a street/road hybrid, and why a stroad is expensive to build, unsafe to use and financially low yielding.
- How to build high performance roads.
- How to build streets that create significant financial value for a community.
- An understanding of congestion and how it signals different things for roads and streets.
- How cities can respond to congestion on a limited budget.
- Understanding how the concept of a “Complete Street” fits into a financially productive road/street strategy.
- 3:15 PM – Wrap Up
- 4:00 PM – Workshop End Time
6.0 CM credits are available for this event.
Registration / More Information
To register, visit RPCGB’s website.
Registration is $25, which includes lunch. Registration is $225 if seeking CAPZO credits.
Payment must be received by April 10.


In Data Stack Enterprises, we provide professional tax consulting, advisory and accounting Services Company offering a wide range of taxation and accounting services such as Corporate Tax planning, tax filing, tax auditing, investment plans, account maintenance, account book keeping, preparing balance sheets, profit and loss statement and financial advisory services.
The Indian taxation environment is ever changing and can be challenging for any business. Our main focus is to identify opportunities for our clients that can help them to manage their affairs in the most tax efficient manner.
We provide the following services :
- Tax planning services and tax consultancy services which includes international taxation, Indian direct tax consultancy to corporate clients, Indian resident individuals and NRI’s, transfer pricing, double taxation avoidance agreements(DTAA), etc.
- Tax compliance
- Tax representation
- Miscellaneous tax assistance
Despite the various reforms carried out in the past few years, the prevailing Indirect tax regime in India is still in the state of evolution. It comprises plethora of laws, rules and regulations at the central and the state level. At its present structure, it poses unique challenges to business organisation and often have significant impacts – on cash flow, absolute costs and risk exposures.The Government is striving continuous changes in the Indirect Tax Laws to make it more assessee friendly. Proposed implementation of GST is an active step to integrate all indirect tax laws (Central Excise Duty, Customs Duty, Central Sales Tax, Value Added Tax (VAT) and Service Tax) under one law. In this direction, major step has been taken by introducing Negative List based Service Tax Regime which is being considered as significant move towards smooth transition to GST. We, at Data Stack Enterprises, have dedicated team of experts providing multidimensional professional services in various Indirect Tax Laws. Our team gives you the perspective and support to manage indirect taxes more effectively and efficiently.
We provide services for.,
• Software Technology Parks of India, STPI
• Central Excise and Customs Act
• Import, Export Code Number
• Shop Act, MSME Act
• Service Tax
• Provident Fund and Miscellaneous Provisions Act
• ESIC Employee State Insurance Corporation
• Special Economic Zone Act 2005- SEZ –IT Companies


VIX or Volatility index essentially defines the statistical boundary for NIFTY in the future. Precisely, a value of VIX indicates that NIFTY is likely to remain within the VIX percentage in the next 1 year with 67% probability (that is within 1st standard deviation). For example, if NIFTY is at 10,000 and VIX is at 15, this means that NIFTY is likely to remain within 8,500 to 11,500 in next 1 year, with 67% probability.
It is, however, possible to use VIX to determine the short term ranges for NIFTY as well, say for next T = 7 days. For that, the VIX range will need to be scaled with square root of (TD/T), where TD = total available trading days in 1 year and T = duration of the shorter term.
This study attempts to use this technique to determine the short-term NIFTY ranges and then compare them with actual data to determine the effectiveness of using VIX for short term range prediction.
We will conduct a study for approximately 34 months of data, starting from January 2020. We will try to use VIX to predict the ranges of NIFTY in the next T = 7 days. Let's begin.
import math from nsepy import get_history from datetime import date from numpy import ceil # Get all daily nifty price data since January 2020 nifty = get_history('NIFTY', start=date(2020, 1, 1), end=date(2022, 10, 24), index=True) # Get the VIX data for the same period vix = get_history('VIX', start=date(2020, 1, 1), end=date(2022, 10, 24), index=True) # Add the VIX in same dataframe nifty['vix'] = vix['Close'] # Now, we will calculate PERIOD = 7 day range of # NIFTY for any given day PERIOD=7 variance = nifty['vix']/math.sqrt(252/PERIOD) / 100 nifty['pred_range'] = nifty['Close'] * variance # And predict max and min values of NIFTY on the 7th day. # There is 67% chance (first Standard Deviation) # that NIFTY will remain in this range. nifty['pred_min'] = ceil(nifty['Close'] - nifty['pred_range']) nifty['pred_max'] = ceil(nifty['Close'] + nifty['pred_range']) nifty
Let's see what we got so far -
As you can see above, for each day, the last 2 columns (pred_min and pred_max) tells you the minimum and maximum of NIFTY values expected within the next 7 days.
Now, we need to see if NIFTY actually remained within this predicted range in next 7 days.
# Now let's add the actual max and min # values of NIFTY in the next 7 days nifty['act_min'] = nifty['Close'] .rolling(PERIOD, 1).min() nifty['act_max'] = nifty['Close'] .rolling(PERIOD, 1).max() # So, how many times do NIFTY # breach the VIX boundary? Let's find out. nifty['breached'] = nifty['act_min'].le(nifty['pred_min']) | nifty['act_max'].ge(nifty['pred_max']) # calculate how many times breached occurred nifty['breached'].sum() * 100 / nifty['breached'].count()
The answer that comes out is - 28.82%.
In other words, NIFTY remains within the predicted range in 100-28.82 = 71.18% of days.
This result is slightly better than the expectation. Since VIX represents z-score corresponding to 1st Standard deviation, I was expecting NIFTY to remain within the range for 67% of cases. As it appears, NIFTY was actually within the range for ~71% of cases.
Please note that the above result is based on the NIFTY's Closing price. It is possible that NIFTY have breached more than that if we perform the analysis based on intraday low/high prices.
Next, let's try to find the effectiveness of VIX for multiple short term periods and over the years.


Do you want to fulfill a dream? Do you have a short-term opportunity? Are you doing some long-range planning? Put our experience to work when you need a loan for any reason.
We invest in local businesses and individuals with loans and we employ local people. Decisions are made in our community so there is no waiting for answers from across the region or country. Whether you’re buying a home or a business, it helps to work with someone who knows the area.
Rockwood Bank provides loans of all sizes to help meet your financial goals. As a community bank, we are investing in your family, your work and your life. We will be there every step of the way as your trusted financial partner.
Our Loan Officers are here to meet your mortgage, personal and business loan needs. They will be glad to help you through the borrowing process. Because we approve loans locally with an easy mortgage application process, we can offer the kind of personal attention you deserve, along with a wide range of services to fit all of your financial needs.
Types of Loans
Real Estate Loans (Short-term & Long-term fixed rates)
Our real estate loans can assist you with your real estate purchase or refinance. For more information, visit our Mortgage Center.
Home Equity Loans/Lines of Credit
If you need money for education costs, home repairs, remodeling, our Equity Line of Credit may be the solution.
Home Improvement Loans
Our real estate loans can assist you with your real estate purchase or refinance.
Our construction loans are simple and convenient. The loan disbursement process is managed internally for better customer service.
We offer competitive rates and terms on our business loans that are tailored to meet your specific needs.
Personal Installment Loans
Rockwood Bank will always try to help make your dreams come true.
Put yourself in the driver's seat when you're ready to purchase a vehicle.
Certificate of Deposit Loans
You can borrow against your Rockwood Bank fixed-rate Certificate of Deposit.


CHATHAM REPUBLICAN TOWN COMMITTEE
NORTH CHATHAM, MASSACHUSETTS 02650
Contributions to political committees in Massachusetts are subject to maximum amounts set by law. Campaign donations are not tax deductible. Limits are as follows (all limits are for a calendar year):
- The maximum amount an individual (other than a registered lobbyist whose limit is $200) may donate to the Chatham Republican Town Committee (CRTC) $5,000, with an aggregate limit on contributions by an individual (including registered to lobbyists) to all state, county and local committees of $5,000 per year (per party).
- Corporate contributions are prohibited.
- The CRTC must maintain detailed records of all contributions, including the name and residential address of contributors. The CRTC must also obtain the occupation and employer of those who give $200 or more in a calendar year.
- An individual making a contribution to the CRTC attests he or she is making this contribution with his or her own personal funds which will not be reimbursed by another person, corporation or other entity.
You may also donate to us online securely and quickly by clicking on the Donate button on our home page labeled "DONATE NOW."
Thank you for your support of our efforts.


Add a Pledge
If you have received pledges by cash or by cheque, you can record them here. Please enter the donor's name for easier tracking of pledges.
Note - their name will not appear on the honour roll. If you would like to do so please contact me at email@example.com and I can enter the information directly to the website.
If a donor has donated online by credit card, the donation automatically shows on your personal page, and there is no need to enter the details here.


Millions of consumers haven’t received their new “chip cards,” and now scammers are taking advantage of the situation, the Federal Trade Commission said today.
Credit and debit cards with computer chips — small metallic squares — are being issued to replace outdated, magnetic-strip cards. The newer technology is more secure as the chip creates a unique transmission code each time the card is used for payment.
Here’s how the scam works, the FTC says: Scammers are emailing people, posing as their card issuer. The scammers claim that in order to issue a new chip card, you need to update your account by confirming some personal information or clicking on a link to continue the process.
If you reply to the email with personal information, the scammer can use it to commit identity theft. If you click on the link, you may unknowingly install malware on your device. Malware programs can cause your device to crash, monitor your online activity, send spam, steal personal information and commit fraud.
Here’s how to tell if you’re being scammed, the FTC says:
- There’s no reason your card issuer needs to contact you by email — or by phone, for that matter — to confirm personal information before sending you a new chip card. Don’t respond to an email or phone call that asks you to provide your card number. Period.
- Still not sure if the email is a scam? Contact your card issuers at the phone numbers on your cards.
- Don’t trust links in emails. Only provide personal information through a company’s website if you typed in the web address yourself and you see signals that the site is secure, like a URL that begins https (the “s” stands for secure).


The Coas2Coast card can save you up to 75% on prescriptions as well as up to 60% on dental care in many locations. You can also save up to 50% on eye care needs including glasses and contact lenses at participating vision care providers. Save on hearing needs including a free initial hearing exam and discounts of 35% off the price of hearing aids with participating providers Cardholders can save up to 70% on their diabetes supplies by ordering online. You just might be able to save on veterinary services for your pets. To find out more information about these services or to locate a provider in your area, call toll free 1-800-931-8872.
The card is not insurance nor is it designed to replace insurance. The program has been designed to help those uninsured and under-insured save on health related costs. A cardholder that is covered by health insurance will probably receive the greatest benefit by using his or her health insurance prescription card. Only one card can be used when filling a prescription so the Coast2Coast card cannot be used along with insurance - but it does pay to compare cards.
Yes, occasionally. There are more than 60,000 drugs covered by this discount prescription card. In the event that a health insurance prescription plan does not provide coverage for a particular drug, it is likely that the Coast2Coast card will provide a discount for that drug - so always check before your pay.
One card can be used to provide benefits for the entire family but if you prefer each member of your family can have their own card since the cards are free and there is no cost for you to use a card.
Coast2Coast provides a benefit that gives back in many ways. From its inception, Coast2Coast was developed on a business model and philosophy of giving back part of their proceeds to support local community needs and provide additional funding solutions to help address gaps in services. This partnership model provides a $1.25 donation to the participating United Ways that have joined our partnership for investment in their community work each time the card is used to fill a prescription in their community. Coast2Coast is proud to offer this partnership that not only provides access to affordable medicine with the goal of improving both consumers' health outcomes and their personal finances but also creates revenue to support vital community programs and services.
Financial Marketing Concepts, Inc., of Ponte Vedra Beach, FL is the parent company of the Coast2Coast Rx card and has been in the benefit programs market for more than twenty-five years.
The Coast2Coast card can help save you money on prescriptions, vision, dental and other health related services. There is no application or paperwork to complete and no health questions will be asked.
What pharmacies accept the card?
The Coast2Coast card is free and is easy to use. Just resent the card at your pharmacy or other health provider to see if you can reduce your costs. Visit the Pharmacy Locator section to view a list of participating pharmacies in your area.
Copyright © Coast2CoastRx
This is NOT insurance. Discounts are only available at participating pharmacies. By using this card you agree to pay the entire prescription cost less any applicable discount. Savings may vary by drug and by pharmacy. The program administrator may obtain fees or rebates from manufacturers and/or pharmacies based on your prescription drug purchases. These fees or rebates may be retained by the program administrator or shared with you and/or your pharmacy. Prescriptions purchased through this program will not be eligible for reimbursement through Medicaid, Medicare or any other government program. This program does not guarantee the quality of the services or products offered by individual providers. We do not sell your personal information. Call the member toll-free number on the front of the ID card (1-800-931-8872) to file a complaint related to this program. Note to Texas consumers: You may contact the Texas Department of Insurance if you remain dissatisfied.


FM Resource Management
“We have used FM Resource Management for several years to help control access to our fuel and provide us with required data to obtain State and Federal tax rebates. They’ve always been very helpful and responsive.”
– Manager of Commercial Financial Operations
Do you believe you are losing money either with insufficient inventory control or perhaps even theft?
Have you deployed a secure way to track your fueling expenses in your yard or on your bulk tank?
How are you tracking your fuel purchases and related costs?
FM Resource Management can provide your business comprehensive data management services to assure your minimizing costs. FM Resource Management is your solution for a total fuel management system:
- Limited capital expenditure for your company
- Potential to save your company money
- Collection of key data with a few strokes on a keyboard
- Overhead reduction
- Enables real time reporting to decrease tax exposure from dyed diesel fuels sales and usage
- Compliance with state and federal agencies.


Do you need to transport valuable goods but aren’t sure whether they’ll be insured for their full value?
Below is an overview of what your goods will be covered for and what you’ll need to take out extra insurance for. Don’t worry – it isn’t expensive at all!
We’ll do our best to make sure your goods reach the client intact and on time. Unfortunately, goods transport is never 100% risk-free, which is why it’s important to know that the haulier’s liability is limited.
If goods are lost or their value is reduced, this is covered by the haulier’s liability insurance, which is directly linked to the type of transport and the gross weight of the goods being transported, as follows:
*Road transport – up to 8.33 SDR per kg
*Sea transport – up to 2.00 SDR per kg
*Air transport – up to 19.00 SDR per kg
In addition to caps on compensation, haulier’s liability only covers damage resulting from the fault of the haulier. The haulier is not liable for damage arising from unavoidable circumstances, such as theft.
In the case of lightweight and/or valuable goods, we definitely recommend taking out full freight insurance.
The price of full freight insurance takes into account the route, the type of goods, the type of transport, packaging and the cost of the goods.
For example, a 200 kg pallet holding €7000 worth of goods is covered with haulier’s liability insurance up to €2000.
The cost of the insurance in this case would be just €25.
Transporting of television sets, on a pallet weighing 200 kg, to a value of €7000. The cost of the insurance in this case would be just €25.
Transporting of an Iglucraft cabin to Spain, weighing 900 kg and valued at €6500. The cost of the insurance in this case would be just €15.
Transporting of production equipment from Estonia to Italy, weighing 4353 kg and valued at €85,000. The cost of the insurance in this case would be €131.
Transporting of furniture to Norway, weighing 500 kg and valued at €5600. The cost of the insurance in this case would be just €15.
For a personal offer on insurance, e-mail email@example.com or call +372 5837 1036.


In the world of global economics and financial markets, every move is scrutinized and analyzed for potential trends and outcomes. In this context, the insights provided by experts hold significant weight, and one such expert, Konstantin Vladimirovich Tserazov, has recently shed light on the upcoming April growth that is expected to be bolstered by the soaring prices of oil and metals.
Mr. Tserazov, a renowned economist and market analyst with years of experience in tracking and predicting market behavior, has offered valuable perspectives on the current economic landscape. His observations suggest that the growth trajectory anticipated for the month of April is not just a result of organic market forces, but rather, it is to a large extent influenced by the notable surge in oil and metal prices.
Oil Prices: A Driving Force
Oil, often referred to as the lifeblood of the global economy, has consistently demonstrated its ability to impact various sectors. According to Konstantin Vladimirovich Tserazov, the recent uptick in oil prices can be attributed to a combination of factors, including geopolitical tensions, supply chain disruptions, and increasing demand as economies recover from the impacts of the pandemic, more here https://vechor.ru/news-today/konstantin-vladimirovich-tserazov-april-growth-will-be-supported-by-high-prices-for-oil-and-metals.
Mr. Tserazov’s analysis indicates that as oil prices rise, countries heavily reliant on oil exports experience improved economic conditions, translating into increased fiscal space for development and investments. This, in turn, contributes to the overall positive outlook for the global economy in the coming month.
Metals Market: A Parallel Boost
Metals, another critical component of economic activity, are also expected to play a pivotal role in the impending growth. Konstantin Vladimirovich Tserazov notes that the demand for metals, ranging from industrial applications to technology manufacturing, has surged remarkably. This surge is intertwined with the ongoing shift towards sustainable energy solutions, which require substantial amounts of metals like copper and lithium.
The increased demand for metals, combined with supply constraints due to various factors, has led to a rise in metal prices. This price surge not only benefits mining companies but also contributes to economic growth by stimulating related industries and sectors.
The Intersection of Factors
As Konstantin Vladimirovich Tserazov points out, the synergy between rising oil and metal prices creates a favorable environment for economic growth in April. The improved economic conditions of oil-exporting nations, coupled with the vibrancy of the metals market, result in a scenario where multiple economic indicators align to indicate positive growth prospects.
It’s important to note that while these factors are indeed influential, market dynamics are complex and multifaceted. Various external events and unforeseen circumstances could potentially impact the predicted growth. Nonetheless, the insights shared by Mr. Tserazov provide a valuable framework for understanding the potential drivers behind the expected April growth.
In the ever-changing world of finance and economics, expert insights can serve as guiding lights amid uncertainty. Konstantin Vladimirovich Tserazov’s analysis of the relationship between oil, metals, and April growth offers a comprehensive perspective on the upcoming economic landscape. By recognizing the significance of these factors, market participants, investors, and policymakers can make informed decisions to navigate the dynamic economic environment.
As April approaches, all eyes will be on how the interplay of these factors unfolds, and whether the projected growth materializes as anticipated. With the expertise of analysts like Konstantin Vladimirovich Tserazov, the financial world gains a deeper understanding of the intricate threads that weave the global economy together.


Payment must be received prior to playing in the competition.
OPTION 1: Pay now via credit card. CURLSASK will provide a full refund to all registered teams less $5/player administration fee should the event be cancelled.
OPTION 2: Mail a cheque to CURLSASK, 613 Park St, Regina, SK S4N 5N1. Cheques will not be deposited until after the registration deadline. Should the event be cancelled, cheques will be destroyed. Select the CASH/CHEQUE option upon registering.
OPTION 3: Teams will be contacted after the registration deadline to provide payment. Select the CASH/CHEQUE option upon registering.


Digital Real Estate is the virtual land that exists within online worlds. It is used for a variety of purposes including socializing, commerce and trade. Digital real estate is growing in popularity because it can be created and managed without the same overhead costs as traditional real estate investments.
Investing in digital real estate can be done from any computer with an internet connection. It is also a great way to diversify an investment portfolio, as it reduces the risk of losing all of your money in one sector if that sector crashes. Digital products are easier to create and can be sold for a steady profit over time. We have seen sites monetized with Google AdSense generate $400-$1000 per day and ecommerce and affiliate sites earn $700-$2000 per day. The sky really is the limit!
Some digital worlds mimic the concept of land ownership in the real world, with users buying and selling virtual land. Virtual land can have many attributes, and some platforms even allow for the creation of custom structures to increase value and use.
The value of a piece of virtual land depends on how popular it is. For example, a large virtual space that is close to popular areas can be very valuable. Similarly, a small piece of virtual land that is located far away from popular spaces can be less valuable. Also read https://www.joehomebuyertriadgroup.com/
When investing in digital real estate, it is important to do your research. Look at market trends, how much similar pieces of virtual land have sold for in the past, and what is the future potential of your particular piece of virtual property.
Another important consideration when purchasing digital real estate is how stable the platform is. If the platform you have purchased land on fails, or loses a significant amount of its user base, then your digital real estate could become worthless. To avoid this, make sure that you purchase your virtual land from a reliable and established platform.
The blockchain technology that underpins digital real estate is also making the process of transacting faster and more secure than traditional methods. This technology can also help to ensure that buyers and sellers are who they say they are, and that no fraudulent activity is taking place.


Latest posts by Rick DeMichele (see all)
Real Estate Taxes and Equitable Distribution; Value From Two Different Perspectives
“Can I keep our home?” is a question that divorce lawyers hear on a regular basis.
The answer is a familiar one for lawyers providing advice to clients: “It depends.”
On what? For starters: the parties finances, cash flow, and the marital home’s value. For the purposes of proceeding with your divorce, and to avoid problems in the future, it is important to have a solid understanding of your home’s value.
Having the former marital home apprised in a divorce is not unusual. In fact, it is so common that the court’s standard case management order has a preprinted portion to deal with an expert valuation of the former marital home. During the discovery phase of a divorce the parties can agree on a vale of the marital home or can hire a joint real estate appraiser or each retain their own appraiser. Couples who are familiar with real estate values and can agree on a value will stipulate to the homes value without hiring a real estate appraiser. In some cases a trusted Realtor can assist in this approach.People considering stipulating as to a home’s value should do so with caution. Many times a marital settlement agreement or property settlement agreement is centered on the the former marital home and its value. If the agreement is premised on a stipulated fair market value and the agreed value is not reflective of fair market value the divorce agreement can become very one sided and unfair. For example, if one party kept the marital home with a stipulated market value of $500,000 and that property had a $400,000 mortgage, the net equity of the home would be $100,000. ($500,000 -$400,000 =$100,000.) Now if the other party received a bank account worth $100,000 this wold appear to be a fair exchange. But what if the parties were incorrect in their stipulated value of $500,000 for the home and the actual market value is only $450,000. In this situation the asset exchange is hardly fair. An inaccurate stipulated value for a marital home in divorce can also be problematic when the property settlement agreement requires one party to refinance the home after the divorce is final. If the property settlement agreement requires refinancing of the mortgage the lender will require the property have a minimum value for refinancing. This is commonly referred to a s a loan to value ratio. If the actual value of the real estate is lover than stipulated or anticipated refinancing may not be an option and could put one party in violation of the property settlement agreement. With the above pitfalls noted, it is not uncommon for the parties to agree to a joint real estate appraiser. This saves on litigation costs (i.e. only hiring one expert as opposed to two) and also avoids legal fees associated with advocacy based on the potential divergent valuations. Obviously, for a joint real estate appraiser to be effective both parties and their attorneys must have faith in real estate appraiser. Another advantage to hiring a real estate appraiser and having an accurate assessment of fair market value is the potential of having the property’s real estate taxes lowered. In the context of a divorce this can be very helpful. All real estate in New Jersey has an assessed value. This assessed value is set by the municipalities tax assessor. It is relative value of the taxpayer’s home value compared with other real estate values in a municipality at the time of evaluation. Often times the assessed vale of a home is NOT reflective of fair market value. You should not rely on an assessed value in determining a homes fair market value in a divorce context. However, this is not to say that knowing your homes assessed value is not important and valuable. First lets discuss how an assessed value is important. A tax rate is applied to the property’s assessed value and the actual property tax amount is determined. Said another way, the town tax assessor takes the town’s tax rate and multiplies it against the property’s assessed value to determine the properties total tax obligation. Municipal tax rates are usually expressed in dollars per one thousand dollars of assessed value. You cannot challenge the property tax rate applied to your property but you can challenge the assessment. A lower assessment means a lower property tax. Here is how knowing the homes assessed value is important in the divorce context. If you want to retain the former marital home in your divorce you should compare the market value of your home against the assessed value of the home. If you are successful in retaining the home in the divorce you may want to apply for a property tax reduction. A lower property tax in the future may make the house more affordable. In contrast, if you do not want to retain the former marital home, knowing that it may be eligible for a property tax reduction may give you added leverage in negotiating the buyout. There are many considerations in determining whether a property’s assessment may be subject to a reduction so ask your attorney whether this is appropriate in your particular circumstance. The benefits in reducing your property tax are more than just the lower tax paid on an annual basis. A lower property tax obligation can help a home owner qualify for a mortgage or refinancing. Property taxes are almost always an element in obtaining mortgage financing. This may be very important if refinancing of a mortgage is required in the property settlement agreement. Additionally, a lowered property tax will make a property that is for sale more attractive. If you are trying to sell your home as part of your divorce a lower property tax can make your home more attractive than other similar homes. In sum, there are numerous benefits to a reduced property tax obligation and every application for property tax reduction starts with a an accurate determination of fair market value. If you or a loved one have questions regarding the New Jersey divorce process or real estate tax appeals, please contact us or call us at (856)546-1350 to schedule a confidential consultation with our experienced New Jersey divorce and property tax appeal attorneys.


Are you looking forward to sell your house or simply enhance its appearance? Whatever be your consideration, a kitchen makeover is an excellent idea to raise the value of your property. If your kitchen is an old one with messy look, broken and worn out structures, or grease deposits, you simply lose a great amount of money while approaching the buyer for a price negotiation. A prior consideration on correcting this issue and wise investment can help you gain huge profits during the transaction.
Renovation or Makeover
Before you proceed, it is essential to be acquainted with the concept of remodeling and makeover options. There is often confusion between these two terms. A renovation project involves bulk repairing alongside basic changes in the position of the sinks, countertops, kitchen appliances, cabinets etc. This is a matter of greater expenses and longer duration construction work.
The kitchen makeover is relatively smarter concept that involves elementary cosmetic changes such as painting, repairing the worn out shelves, countertops, kitchen floors, replacing the damaged fixtures etc. These sorts of cost effective solution that can bestow a completely new look to the kitchen and raise the convenience of the user. This involves less time and money helping you to raise the value of your property.
How Can Kitchen Makeover Help in the Home Resale?
The property experts opine that a well-furnished kitchen in the house is an object of interest for majority of the buyers that can benefit you with over 70 to 85 percent ROI. This makes way for serious consideration on how much the homeowners can spend on the makeover project. Estimation suggests that the sellers should consider the budget of the makeover for the kitchen around 10% of the entire property value to ensure that they can have maximum profits. This is the prime factor, influencing majority of the people to choose makeover rather than an expensive renovation.
The kitchen makeover apart from being an inexpensive solution has several other benefits too. With a makeover project, you can ensure that the sink outlets, plumbing fixtures, electrical fittings and accessories are working properly and completely safe for the user. You can relax that no accident or other mishap can emerge at any point of time after the sale of your house. The makeover helps to maintain the same structure of the kitchen as the previous with a more organized and glazed appearance. This is convenient, as it looks synonymous with the original construction pattern of the old house. A renovation often bestows a contemporary look that may be a mismatch with other parts of the house.
The Bottom Line
Over and again, the appraisers and property brokers have suggested that it is not worth making huge changes on the basic construction if you are considering selling your house. If the basic construction of the kitchen is in a good condition, a simple budget friendly makeover solution is sufficient to impress the potential buyers. Under normal circumstances, you can expect to negotiate on at least 10 to 25 percent more amounts compared to the value you can get for selling your house with an old kitchen.
The makeover will last for long years so you need not worry about any inconveniences after the deal. The project will differ from one house to another depending upon the choice of design, structure and size of the kitchen area and other factors. For more details and advisory for a kitchen makeover, consult an established cabinet and makeover service provider.


Introduction to Venmo
Venmo has revolutionized the way people exchange money with its user-friendly platform and seamless payment experience. As a peer-to-peer payment service, Venmo allows users to send and receive money from friends, family, and even businesses with just a few taps on their mobile devices. With its growing popularity, it’s no wonder that millions of people have embraced Venmo as their go-to payment app.
Creating a Venmo Account
Getting started with Venmo is quick and easy. To join the Venmo community, simply download the app from the App Store or Google Play and sign up for an account. During the registration process, you’ll be asked to provide basic personal information, such as your name, email address, and phone number. You’ll also have the option to link a bank account or credit card to fund your transactions. Once your account is set up, you’re ready to start using Venmo to send and receive payments effortlessly.
Understanding Venmo User Interface
The Venmo interface is designed to be intuitive and user-friendly, allowing you to navigate the app with ease. The home feed is the central hub where you can view your transaction history and activity. Here, you’ll find a feed of payments made by you and your friends, complete with transaction descriptions and emojis. You can also interact with your contacts by liking, commenting, or splitting payments.
Venmo’s user interface also features a search bar that enables you to find specific transactions or friends easily. Additionally, you can explore the menu options to access additional features such as Venmo Rewards, Venmo card, and settings to customize your experience. The straightforward design and layout of Venmo make it accessible for users of all ages and tech-savviness.
Sending and Receiving Payments
One of the primary functions of Venmo is the ability to send and receive payments. To send money, simply tap the “Pay or Request” button and enter the recipient’s username, email, or phone number. Then, input the amount you wish to send and add a note to provide context for the transaction. You can choose to make the payment either privately or publicly, with the option to share it on the Venmo social feed.
Receiving payments on Venmo is just as straightforward. When someone sends you money, it will appear in your Venmo account balance. From there, you can choose to transfer the funds to your linked bank account or keep them within your Venmo balance for future transactions. Venmo transactions are typically completed within one to three business days, depending on the recipient’s bank processing times.
Privacy and Security
Venmo takes privacy and security seriously, providing users with a range of settings and features to protect their financial information. You have the option to set your transactions as private or public, allowing you to control who can see your payments. Venmo also offers two-factor authentication for added account security. It’s important to review your privacy settings regularly and be cautious when sharing sensitive information to ensure a secure Venmo experience.
Exploring Additional Venmo Features
In addition to its core payment functionality, Venmo offers a range of additional features to enhance the user experience. One notable feature is the Venmo card, which allows you to make purchases using your Venmo balance at any merchant that accepts Mastercard. Venmo Rewards is another exciting feature that offers cashback and discounts at select retailers when you make purchases using Venmo.
Furthermore, Venmo has integrated with various apps and platforms, allowing you to use Venmo for payments within those ecosystems. Whether you’re splitting bills at a restaurant, paying for rideshares, or shopping online, Venmo provides a seamless and convenient payment solution.
Troubleshooting and Support
While Venmo strives to provide a smooth user experience, occasional issues or questions may arise. If you encounter any problems with your Venmo account or transactions, there are resources available to assist you. The Venmo Help Center is a valuable source of information, offering answers to frequently asked questions and step-by-step guides on various topics. It covers everything from account setup and troubleshooting to security and privacy concerns.
If you need personalized support, Venmo also provides customer support via email. You can reach out to their support team directly through the Venmo app or website. They are dedicated to helping users resolve any issues promptly and efficiently.
As the number of Venmo users continues to grow, this peer-to-peer payment app has become an integral part of the digital payment landscape. With its simple interface, convenient features, and secure transactions, Venmo offers a convenient way to send and receive money. Whether you’re splitting the bill with friends, paying for services, or making online purchases, Venmo streamlines the payment process and provides a seamless user experience.
Remember to always review your transactions, set your privacy preferences, and take advantage of the additional features offered by Venmo. By understanding how Venmo works and utilizing its various capabilities, you can make the most of this popular payment app and enjoy the convenience it brings to your financial transactions.
Disclaimer: This blog post is for informational purposes only and does not constitute financial advice. Please refer to the official Venmo website or consult with a financial professional for specific guidance regarding your financial situation.


If you want to earn money by doing online business sitting at home, then in today’s article I am going to tell you some such online programs using which you can earn as much money as you want. Today I will let you know in detail about how to start Home business online, and what we will have to do for this.
Many people do not get ideas about starting an online business, so today I am writing an article for you to overcome this dilemma.
There are two types of business, one online and one offline but there is a lot of difference between the two.
I have written many articles regarding this which is an offline business where you can also earn money by starting an offline business.
One difference between offline and online business is that investment has to be made very less online or there are online platforms in which investment is zero, but to start an offline business, investment has to be made a lot like opening an office and Items, etc. have to be purchased.
The business we are going to talk about today is how to start a business online.
As you would also know that in today’s digital age, everyone thinks about earning money and keeps searching on the internet, which shows how eager today’s youth is to earn money.
Today you are going to learn such business ideas, using which you can earn a lot of money in a short time.
Friends, today the Internet is in every house, that’s why every person is bringing his business online so that he can reach his product or service to more and more customers and increase his revenue.
The Internet is not only used to exchange information but it is being used to develop every business.
So let’s first know what is an online business
What is Online Business | How to Start Home Business Online?
Online business means that whatever business you do through the internet, is called online business.
You can start an online business from anywhere, for this you do not have to open a separate office, you just need to have a Mobile, PC / Laptop, and internet.
By doing business online, you can earn income up to millions sitting at home and this is not a lie, it is absolutely true.
We all know that it takes some hard work to start any business because no work is easy, it has to be done. That is why it is very important to know some basic things to start any online business.
So let us now know what are the ways, what are ideas, using which you can earn money by doing online business sitting at home.
Start Online Business from a Blog or Website
If you are passionate about writing means you have an interest in writing, then you can do online business, so for you, the business of a blog or website is the best.
To start any website, first of all, you have to have a domain name and hosting. If you do not know about domain and hosting, then for this also I have written an article about what is domain and how to buy hosting, then you can go to that article and know in detail about domain and hosting.
If you want to use the domain and hosting for free, then you can use Google’s free product ie Blogger, using which you can create a website for free and write a blog.
By the way, to create a blog or website, you have two types of platforms, one blogger or the other WordPress. Blogger platform is absolutely free but it has some limitations if you can make a little investment then use the WordPress platform so that you can easily customize your website.
Bloggerkey.com I have chosen the WordPress platform for this site as well. Because of this, I can easily customize my site.
The most important thing about blogging is that you do not have to depend on anyone to start it, you can start blogging alone and start from any corner of the world.
If you are doing a job then it can be done along with it, the biggest example of this is me. I also do a teaching job in school and blogging as well.
Initially, you will have to work a little hard in this, but as your experience in this field increases, your blog will grow, and so will your income from the blog.
Start Business Online From E-Commerce Website
If you are interested in selling products online, then an eCommerce site will be best for you because by using an e-commerce website you can earn as much money as you want.
If you have an offline business and it is not running much, then you start selling your product online, for this create your seller account by visiting e-commerce sites like Amazon, Flipkart, snapdeal, etc., and add your products and sell them can increase.
As soon as your products are listed on these sites, then the customers themselves will come to your website and make the same purchase. Friends, there is also a very good online business from an e-commerce site in which you will get a lot of profit.
Start Business Online from Affiliate Marketing
As you would know that today digital marketing is going on full boom means every
A person is making an income by selling a company’s product. By doing affiliate marketing in digital marketing, you can earn a lot of money and develop your business.
I have written an article about what is affiliate marketing, by reading it you will be able to know completely what is affiliate marketing?
If you have your own website or blog, then you can do affiliate marketing in a better way or affiliate marketing can be done without a website.
First of all, let us know a little about what is affiliate marketing.
Affiliate marketing means selling others’ products online. Suppose you generate an affiliate link of any one product from Amazon and share it anywhere.
The meaning of affiliate marketing is that you have to do marketing for any other companies or services, it does not cost you a single penny. Just to make those products with the help of a special link i.e. affiliate link, then you have to earn money.
The more products sold from your link, the more you will get a commission. The commission varies on different products.
In today’s digital marketing, everyone is providing affiliate company services. It is not like there is only amazon or Flipkart, apart from this there are thousands of other companies which are providing affiliate services and absolutely free.
We have also written an article on which platform to promote the affiliate product, by reading which you will be able to know where to promote the affiliate product.
And in this way you can earn good money through affiliate marketing.
Start Business Online from Youtube Channel
If you do not want to write content and you like making videos, then you can make videos and share them with others, from which a lot of money can be earned.
That’s why Google has a platform youtube on which you can do business by creating your own channel and uploading videos.
In today’s era, most people are earning lakhs of rupees only by making youtube channels, which is why this platform is best for developing business.
You do not have to pay a single rupee to make a youtube channel, it is totally free, just make your videos and upload and promote them.
Today there are many YouTubers who are living a very good life and doing full-time business like technical guruji.
You can create a youtube channel in any category, just put related videos of the category for which you have created a related channel, then your youtube channel will be successful. And you will be able to earn money.
For example, if you like dancing, then you can upload your dance videos on YouTube. And when a large number of visitors start coming to your channel, then you can get your YouTube channel monetized keeping in mind the policy and terms and conditions of YouTube. After the approval of which your income will start. Now as the number of viewers on your channel increases, your earnings will also increase accordingly.
Start Home Business online From Freelancer
Friends, freelancing is also a very good online business for you. If you have a passion for video making or programming or data entry, then you can easily do the work given by any person sitting at home.
Even more than this lakhs of people are earning money in today’s era. On the internet, you will find many such sites like Fiverr, Upwork, freelance, guru.com, etc. on which you can create your account and do freelancing.
In this, as soon as your account is created, you just have to add the skills of the thing you are interested in according to your ability, after that the customers will approach you themselves and after the completion of the work, your fees are transferred to your bank account.
By freelancing, you can earn up to 5000 rs daily, then this is not a great online business.
The best thing about this is that you neither need any degree nor any recommendation to start this work.
Start Home Business Online from Online Tutor
If you are passionate about teaching, then this hobby can become a professional for you without any investment. There is an increased trend of online tutors in today’s time, you must have seen that during the Corona period, the highest demand was increased in this field.
If you are an expert in any subject and have the ability to teach children, then this quality can earn you a lot of money.
You will find many such applications and websites on the internet, using which you can easily do business by becoming an online tutor.
For example, Vedantu, Tutor.com, Chegg, and Udemy academy are some such online platforms where you can register yourself and teach children.
You just need to be an expert in your subject. Even by working only 4 hours daily, you can easily earn 25 to 30 thousand a month. This earning can go up to lakhs, but it depends on the time and subject you give.
Start Home Business Online from develop an Android Application
If you have knowledge of the language, then you can do online business by developing the application.
come from doing this business
You will get a lot of profit, the more apps you make, the more you can earn profit. At least you can generate income up to 50000.
If you do not have the knowledge to develop the app, then you can develop the app using freelancing websites or by contacting.
Start Home Business online from Social Media Marketing
Friends, you must be aware that today the power of social media is emerging in front of us. This is such a platform using which you can become very successful friends, we will live without water and food but cannot live without social media.
Social media is not only used for chat and video calling but it is also used to advertise products and services.
Nowadays every big company does social media marketing to promote its product, in which it spends lakhs of rupees on the advertisement.
Now you must be thinking that what is the advantage of us, friends, you have to take advantage of this, just become a social media manager, increase your follower, so that you can promote a company’s product or service and earn a lot of money.
By the way, to learn social media marketing, you will get free courses on youtube, by which you can learn social media marketing.
Start Home Business Online from DropShipping
Dropshipping is also the best option to start an online business, you can start this business by investing a little money in it.
In this, you have to sell the product of another company through your own website or online store, you can earn a commission on every product. In this, neither you have to buy the product nor do you need any place.
For example, if you have to sell the products of amazon on Flipkart, it is called dropshipping.
Start Home Business Online from E-Book
If you have a passion for writing and can write on any concept, then you can also do online business by writing an e-book.
Nowadays you must have seen that online study has been done and the content which is written or read in it is read-only through e-books.
If you have written content within your different categories, then you can earn as much money as you want by publishing e-books.
To sell e-books, you can also sell them on amazon, Flipkart, etc.
Start Home Business Online by becoming Content Writer
If you have a passion for writing and have complete knowledge of SEO, then you can earn money by writing content for all types of websites and doing online business.
You will find many such clients on Facebook or on Fiverr who provide servicing of content writing and are earning money.
Friends, in today’s era, content writers are earning a lot of money sitting at home and there are many such content writers who have made a lot of names by doing their own online business.
Start Home Business Online from Investing in Stock Market
If you are interested in the stock market or share market then this is a very good source of income for you. You can also look at investing in the share market as a business.
You must have heard the name of Warren Buffett, one of the richest people in the world. He is one of the biggest investors in the world. Talking about India, there are many such people in our country who have made a lot of wealth in the stock market and have achieved a different position in this market. In which the first name comes to Rakesh Jhunjhunwala who is also known as Warren Buffett of India.
Friends, as you know in this article, which are the businesses that we can earn as much money as we want by using online. Today we have told you in detail about how to start a home business online.
Friends, if you want to ask anything related to this article, then you can ask us by commenting, then we will try our best to reply to your comment.
Just if you liked this article, then please do share it with your friends, and relatives because if someone is thinking of starting an online business then this article will prove to be helpful for him. Thank you so much for reading the rest of your article to the last!