July 31, 2023
Total Cost of Ownership
The Total Cost of Ownership (TCO) is an important calculation to ensure that vehicle costs are being considered over the medium/ long-term and include all of the elements of running, fuelling and maintaining the car.
Table of contents
The Total Cost of Ownership
The Total Cost of Ownership (TCO) of electric vehicles (EVs) in the UK varies significantly depending on the model and make of the car, the type of financing, and individual usage. However, despite higher initial purchase prices, when factoring in costs over the lifetime of the vehicle, EVs can present a more economical alternative to traditional internal combustion engine (ICE) vehicles.
In conclusion, while the upfront cost of EVs can be higher, the lower running, maintenance, and potentially insurance costs can result in a lower total cost of ownership over the lifetime of the vehicle.
What about the residual (future) value of used EVs?
The residual value, or the future value of a car after a specific period, is another critical component of the Total Cost of Ownership for EVs. The residual value can be heavily influenced by factors like vehicle reliability, demand, media coverage, technology advancements, and government incentives.
Historically, EVs suffered from faster depreciation rates than ICE vehicles, partly due to concerns over battery life and technology obsolescence. However, this trend is changing rapidly as EV technology improves, and consumer confidence grows.
In recent years, as more consumers and businesses are adopting EVs, demand for used electric cars has been rising in the UK, leading to stronger residual values. Additionally, advancements in battery technology and longer range capabilities are improving the longevity and thus the residual value of EVs.
Moreover, the UK government’s commitment to ban the sale of new petrol and diesel cars by 2030 is expected to have a significant positive effect on the future value of EVs. As this deadline approaches, the demand for electric cars, both new and used, is expected to increase, which should help retain and potentially even increase their value over time.
That said, the residual value of EVs can still vary significantly depending on the specific model and make of the car. For example, premium EV models from brands like Tesla tend to retain their value better than some lower-cost models, which can significantly impact the total cost of ownership.
To conclude, while there's a positive trend for the value of used EVs, consumers should carefully consider this factor, along with the initial purchase price, charging costs, maintenance costs, and insurance costs, to gain a comprehensive understanding of the total cost of owning an EV.


|Ashland County Treasurer's Office|
Ashland County Courthouse
Angie McQuillen, County Treasurer
Your County Treasurer's office has a staff of two employees. Their responsibilities include collection of all real estate tax, and manufactured home tax. In addition, they record all monies received by any other county office from dog tag licenses to lunch money from Dale Roy School to immunization from the Health Department. In addition to collecting and recording the county money, the Treasurer is responsible for County Investments which includes a portfolio of $25 million dollars. As your County Treasurer, my goal is to assist the Ashland County taxpayers in the most efficient and professional environment possible according to the Ohio Revised Code.
Second Half 2019 Real Estate Taxes are due on July 8, 2020
Public Records Policy
2019 Ashland County Tax Rates now available
Pay your Real Estate Taxes Online!
Need Information on your parcel, go to the


Investing in property is more complicated than simply buying and selling residences. To assist brand-new real estate investors to decide which technique might work for them I put together 5 well-founded techniques. It depends on you which approach you really feel extra comfortable with.
1. Acquire as well as Hold
This property financial investment strategy is generally called rental homes. Coming to be a property manager is much easier than you assume. You buy a residential or commercial property, you promote it as “for lease” and you authorize a contract with your new lessee. That’s where the romance finishes. You should know a great deal regarding your obligations as well as your civil liberties as a proprietor or you will discover yourself in difficulty. Click here if you want to know more about Fountain Hills homes for sale.
Screening your prospect lessees is your first line of protection. Securing your home or business from damages is your very first obligation. I may painting a little dark picture of being a property owner. However dealing with lessees can be one of the most irritating work you ever had. Do on your own a favor and also check out a bookstore or library and also obtain as several books on landlording as you could obtain. Equipped with this knowledge you will have the ability to develop a positive cash flow and also a long term connection with your tenants whenever you put the “For Rent” check in the yard.
With the buy and hold technique you generally have 3 revenue streams addressing when.
Amortization; while paying your home loan you additionally decrease the amount you owe.
Recognition; while possessing the home it increases in worth.
Tax incentive; as a landlord you will be able to subtract your investment price over numerous years. (See you tax obligation expert for expert advice).
Based on this information you can easily see that also if the rent does not cover 100 % of your mortgage repayment you will still have the ability to produce a favorable capital.
This is the art of “buying” as well as “selling” realty financial investment without actually taking possession. In a flip scenario property agreements obtain appointed as well as the individual who appoints the agreement to someone else generally obtains a payment for their services. That’s exactly how you could generate income with property without debt checks or no cash down. Since you never acquire the residential property, you do not should apply for a home mortgage.
You only require 2 points to be able to flip a house. First, you should find an eye-catching property that will offer very rapidly. Second, you need to find a customer within a really brief amount of time. Normally 2-3 weeks. After that you simply flip the contract to the new customer and you will accumulate your commission at a so called “double closing”.
This appears challenging in the beginning, but with a little method you will certainly have the ability to produce a great income from this. Incidentally, this is the preferred idea of the majority of property “experts” that show up in late night paid announcements.
Rehabs are one of the most risky type of real estate investments. You search for an inexpensive, run-down building and you wish that your initial remodel expense price quotes will leave enough space for a great earnings. Well that’s the concept. Many investor are failing with this kind of approach.
You either really did not get the home affordable adequate to earn a profit or the problems are a lot more comprehensive than approximated which will certainly balance out the affordable acquisition price. To make matters worst. If throughout the rehab phase of usually 3-4 months the marketplace is going south all bets are off. Trust me, I made my share of experiences with this and also I told myself, never ever once more.
4. Business Property Investment
What pertains to your mind initially when you consider business property investment? Big manufacturing facility complexes, going shopping malls or maybe huge office complex. Well, my response is much simpler. Anything bigger than a 4 system apartment building, some call it fourplex, is taken into consideration industrial. The terrific thing with commercial realty is that the value of the building is determined by the rent revenue it produces and also not by just how crazy people are opting for bidding on property realty.
In theory there’s no such point as vendors or purchasers market for industrial real estate. I created a total post regarding the pros and cons of industrial real estate. So I maintain this short. Personally I enjoy business real estate. Of course, commercial property is basically off restrictions for newbies, since commercial real estate lending institutions intend to see some type of previous experience in realty investments. However, if you got some experience, go for it. As an added advantage; the competition is much less.
5. New Building
This is one of the most inexpensive and also easiest way of realty investment. Entering into the earliest stage possible of a brand-new advancement is a sure thing to make loan. Keep an eye on the market and also you will have the ability to offer your new home before building and construction is completed. The construction firms don’t like this, so they limit the number of homes an individual can purchase. However, maintain 1 or 2 residences regularly under construction as well as you will make some good earnings. Certainly this functions only in a vendors market. Steer clear of from this approach in a buyers market or when you see big changes in the regional real estate market.


Hedge fund of fund
Providing funds of funds with a better liquidity picture
Comada is a specialist provider of technology solutions for the hedge fund of fund sector. Our core M.A.T.ware technology has been developed to meet the needs of managers of alternative investment fund portfolios.
Our track record in developing connectivity applications for fund management organisations and banks has allowed us to build easy to deploy applications that meet the changing needs of hedge fund of fund portfolio managers.
M.A.T.ware – tracking real and hypothetical liquidity risks
M.A.T.ware is a web-delivered application that can be easily installed in any hedge fund of fund organisation. It does not conflict with legacy systems, and indeed can enhance the internal operations of a hedge fund of funds business. Beyond that, however, it can also help portfolio managers to track liquidity risk within portfolios, model various hypothetical scenarios involving funds held or prospective investments, and provide fund mangers with an unprecedented degree of oversight of their portfolios.
M.A.T.ware also lets the hedge fund of funds manager enjoy a high degree of connectivity with custodian banks and fund administrations, allowing real-time trade confirmation and accurate pricing information to be collated on a single screen and updated every day.
This level of communication with service providers is helping to revolutionise the way hedge fund of fund managers do business, helping them to address the increasing demands from investors for accurate and regular reporting, particularly in terms of liquidity risk.
Specialists in hedge fund of fund solutions
Comada’s established expertise and roots within the hedge fund of funds and structured products worlds mean we have the capacity and the historical knowledge to develop applications that bring real added value to hedge fund of funds operations.
Used by some of the leading banks and fund administrators in the alternative investments business, our technology is employed to improve existing processes as well as enable our customers to get ahead of the game when it comes to implementing new platforms and processes for their alternative investment businesses.
Flexibility combined with durability
M.A.T.ware represents over a decade of development in the hedge fund of funds space. It is designed to meet the demanding requirements of the manager of hedge funds of funds as well as those responsible for other alternative investment portfolios.
M.A.T.ware caters to a range of different structures, included limited partnerships and UCITS vehicles, but most importantly it is a highly flexible application that can mesh easily with existing reporting and risk management systems, and can easily import data from third party sources.


What is the purpose of the program?
The Home Improvement Programs were created to assist eligible low and moderate households with repairs or replacement of major home systems (such as a roof or heating system) to correct existing interior and exterior health, safety and substandard code conditions.
How can this program benefit my household?
- The program provides funding to finance repairs and/or replacements of major home systems.
- The home improvements can make homes safer and more energy efficient.
- A professional inspector prepares the detailed work specifications, oversees the scope of work and construction, and confirms the work gets completed according to the work specifications.
What are eligible types of work?
Funds may be used only for work and repairs required to make the house code standard ,conserve energy and remove health and/or safety hazards.
In order to qualify for participation in the program, at least one of the following major systems must be in need of replacement or substantial repair:
- Plumbing (including sanitary plumbing)
- Load bearing structural systems
- Weatherization (windows, door, insulation)
What are the eligibility requirements?
- You own a residential property within the program’s geographic area and provide a copy of the recorded deed.
- The property taxes and, if applicable, mortgage must be paid up to date prior to application.
- You must have homeowners insurance.
- The household combined annual gross income must be below the maximum income amount listed for your household size in the program that covers your geographic area (see corresponding Homeowners Link)
- The home must have at least one major system in need of repair or replacement.
- Some programs have a sufficient equity requirement. The owner’s equity in the home must be greater than the maximum amount of assistance that could be made available by the Program. For the sake of this rule, the market value of the home will be calculated using the municipality’s assessed value divided by the equalization ratio. If you need assistance in determining equity, please call the case manager listed in the link to the program for your geographic area.
- If there are any repairs or renovations currently being undertaken on your home by others or yourself, or done within the last few years that require or required municipal permits, the work must be completed and the permits closed out prior to applying to the Program. Contact your municipal construction office if you have questions regarding construction permit requirements.
What is considered income?
The combined annual gross income of all household members including wages, regular overtime, social security, disability benefits, unemployment benefits, pensions, dividend/interest income, alimony, child support, etc. A complete list will be in the formal application package.
What about my confidential information?
- All applicants are assigned a case number to protect their privacy.
- All financial information is kept confidential.
- Only duly authorized persons will have access to the case files.
What are the funding terms?
There is no cost to apply and applying to this program does not affect your credit score. There are no monthly payments and no interest will ever be charged. Beyond that, funding terms vary between programs. Refer to the Homeowner Link for the program where you live for the specific funding terms.
What about rental properties?
For additional information regarding the terms for rental units, homeowners with rental units should contact the case manager on the Homeowner Link to the program that covers your geographic area.
How do I apply?
You can either submit a pre-application from the link on this website or you can contact the case manager listed on the Homeowners Link to the program that covers your geographic area. You will then be placed in the applicant pool/wait list. When you are invited to apply depends on the current openings for the program that covers your geographic area. With most programs you will be invited to apply within days. With other programs, you will be invited when an opening becomes available. The program will invite potential applicants in the order that they contact us.
What happens after I am invited to apply and submit a several page formal application?
A CGP&H case manager reviews your application and support documentation from which you are certified either eligible or ineligible. If you are determined eligible, a program inspector will schedule a property inspection with you to determine if your property meets the minimum requirements and to determine the full scope of work. The inspector will prepare a detailed scope of work for your review and approval. Once you review and approve the scope of work and contractor list, the work is sent out to bid, generally for a 3 week bid period. The submitted bids are reviewed and the job is awarded to the lowest responsible bidder. The homeowner has the option to select a higher bid and pay the difference between the chosen bid and the lowest responsible bid. The homeowner, contractor, and program inspector then have a pre-construction conference at which time the construction agreement and program loan documents are executed. The program staff will manage the construction process. Program payments will not be released to the contractor until approved by a program inspector and the homeowner. Upon completion, you get to enjoy the home improvements!


Kansas City Metro Area Residents
Please contact us regarding your upcoming sale needs. We'll be happy to discuss your sale with you. Mon. - Fri., 9:00 - 6:00 pm @ 816.358.6338
Liquidating or Dispersing Household Contents Following a Downsizing Move
or to Settle an Estate.
We're often asked, "What can I/we do with what's left after the move?" There are several options to consider when household contents need to be liquidated after a downsizing move (or to settle an estate). Making the necessary contacts and decisions prior to the move and having your liquidation plan in place is part of a successful downsizing transition.
Please review the various household liquidation options listed below. We consult with our customers regarding the best available option(s) and can provide guidance and assistance with aligning the right services to meet their needs.
Gifting or Selling to Family and Friends.
Gifting or selling items to family members and friends is a wonderful way to liquidate some of what remains in the home. Once you know what you won’t be taking with you, we suggest inviting family members and friends in to get a feel for what they may have an interest in. We also recommend that if possible, you talk with each person individually and keep a list or mark items as you go through the house.
In our downsizing seminars we’re often asked about the importance of each child receiving items of equal value. It would be nice if that were at all possible, but in most families, it just isn’t. Depending on the family dynamics, we find that most children and grandchildren will make emotion-based choices over monetary ones; that special personal connection to something, not the dollar value. And of course there are times when “drawings” can be used when more than one person shows an interest in an item. A downsizing move can be stressful and we encourage people to use creative ways if necessary to avoid additional stress in the family.
Here’s our cautionary statement for this section. Please don’t assume that what you have earmarked for a family member or friend will always be warmly accepted. To avoid having your feelings hurt or being disappointed in any way, we suggest that you ask before you give (get a feel for the interest level). Most people have more than their fair share of stuff to deal with and may not want anything additional in their homes. And many times
even a difference in decorating styles or tastes can keep the person from accepting something as a gift. It is not uncommon to see family china turned down as today’s young adults do not entertain in the same manner as their parents or grandparents. Whatever the case may be, we recommend asking first when it comes to passing things down through the family or gifting to friends.
Sale. Auction. Donate. Consign.
If there is enough content left in the house once you’ve moved, and if you’re truly downsizing there should be, you may decide to have a sale or an auction to liquidate what remains. There are different types of sales and each one is content-value-driven with garage sales being at the lower end of the money-making scale.
All sales must be advertised in order to draw buyers, so don't forget to figure in the cost of advertising. It's wise to also check with your community regarding sale-related signage and any restrictions or permits you may need in order to hold your sale. Playing by the rules of your city is smart and could keep you from having your sale shut down on the first day. Take the time and ask the questions.
Garage sales consist of general or everyday household, garage, and basement items priced fairly low in order to sell the merchandise as quickly as possible. These sales are typically managed by the seller (or family) and will net far less than a moving or estate sale, or auction. If you are considering a garage sale, keep in mind the time it takes to put a sale together. As you are sorting and paring down you may want to consider separating out and pricing items for the sale. Presorting and pricing of items may also be a time saver if you will be having a moving sale.
A moving sale has more items and an overall larger content value than a garage sale. This type of sale will also be managed by the family and will include furniture in addition to general household items. There are usually several rooms or areas in the home that have items for sale. Following the sale, the remaining contents are usually donated to a charitable organization.
An estate sale, or a living estate sale, will consist of a variety of higher-priced antiques and collectibles in addition to the everyday or general contents of the home. If the sale has a good mix of quality items, it will net the owner much more than a moving sale. Most generally, estate sales last several days and are managed by companies that specialize in estate-type content. These companies are very knowledgeable about antiques and collectibles and they have a good reputation in their community with a strong dealer following or loyalty (very important!).
Estate sale companies will vary as to their fee structures but most will charge a percentage of the sale proceeds in addition to other charges. Many companies will not hold a sale unless there is a minimum content value because of the amount of preparation work involved in setting up a sale. Best advice is to take the time to discuss and understand how the company does business--their fees, advertising, and general policies and procedures. Also try to plan in advance when hiring an estate sale company as their schedule may not be able to accommodate your sale when you need it.
An estate auction is the selling of the household contents for the highest price and if on-site, within a few hours. Today, many auction companies will not sell the contents of the house without also contracting to sell the real estate or the property. Depending on the seller’s situation and/or the estate, selling the property and contents in this manner may be advantageous as the entire sale is completed in a short amount of time. In addition, there are also auction houses that will pick up the contents (usually for a fee or an additional sale
percentage) and will sell it at, or within their place of business. Auctions can be the quickest way to liquidate an estate, but as with any major decision, it pays to thoroughly investigate your options.
Another fairly quick way to liquidate remaining household contents is by donating to a charitable organization. Again, investigate as some things have changed in the donation or thrift store business. Call ahead and ask what the organization will accept and if they have pick-up services. Some thrift stores (at least in the KC area) will no longer pick-up and some will make a pick-up only if there are pieces of furniture in good, usable condition. Many no longer want or will accept electronic equipment such as televisions or older technology like computer monitors, scanners, printers, etc. We had an organization tell us recently that they were no longer accepting any holiday items because they had no place to store them.
If you're needing a receipt for tax purposes you should compile your own list in advance and apply the value you believe the items are worth. The organization will also apply their values in most cases and then send you the receipt. Remember to ask questions of the donation center in advance in order to avoid misunderstandings or unnecessary work.
For good furniture, tasteful decorative items, and higher-end fashions, consigning to a shop that specializes in selling quality used items may be another consideration. Consignment shops typically work on a percentage of sale basis and may or may not have a sale time limit applied to the items consigned. The owner will usually confer with you regarding a fair market value price for the piece(s) being consigned in their business. If they have a time limit as to how long they have merchandise on their floor and it doesn't sell, they may request a mark-down on price(s). If the consignment item(s) does not sell following a reduction in price, they will request the item be picked up. Remember to check around to determine the shop that best fits your selling needs. You may also be responsible for transporting furniture to the shop--something else to think about.
Return from Household Contents Liquidating Having a Sale or Auction to Downsizing Simplified Home Page


Students are charged for printing in order to offset the cost of printer maintenance, paper, and toner. The PaperCut printing systems is set up in the Student Center, Library, and TechCentral (former Student Technology Center). Students need to have money on their CCSU Blue Chip ID card to print.
How to Access:
Choose File/Print from within an application on computers in the Library, (2nd and 4th floors), Student Center, or TechCentral. Print to the HP-Find-Me print queue.
How to Request:
All faculty, staff, and students have access to print via Papercut.
Current costs for printing:
You will need to have money on your Blue Chip card to print, balances may be checked at https://get.cbord.com/ccsu. Add money to your Blue Chip card online via WebCentral-Central Banner Web or by depositing cash in a Card Value Center. Please note that Flex Dollars are related to a meal plan and may not be used for printing. You will need money on your Blue Chip account to print.
Article ID: 161
Last updated: 13 Dec, 2022


Panasonic is one huge and very successful company. They slowly developed technology which is good enough for Tesla Motors and they now have the exclusive right to supply Tesla Motors with lithium ion batteries. We have already known that Panasonic has a good business relationship with Tesla but their most recent move caught us off guard.
We have already informed you about Tesla’s plans for Gigafactory. For those uninformed, Gigafactory is Elon Musk’s biggest investment in the auto industry so far. He wants to make a sort of revolution and to bring his electric vehicles available for general population by cutting down prices. That Gigafactory will have all steps of car manufacturing under one roof in order to do that.
The thing that surprised us was the official report. Panasonic will make Tesla Motor’s Model 3 lithium ion batteries exclusively, and it will raise 3.9 billion dollars in corporate bonds to invest into Gigafactory with Tesla. The investment this huge has to have some really durable backbone in order to be sustainable for a longer period of time.
Panasonic has “pledged” itself by contract as a principal partner with Tesla. The goal of the partnership was (is) to substantially reduce the price of long-range battery packs and to establish a facility which could mass-produce electric vehicles.
Since Panasonic sees automobile industry as a potential “wind in their sails”, the main priority is a successful Gigafactory. There is no evidence that can point to something bad in the production, but this investment is too large to be a mere partnership obligation. We already know that this is a big investment, and one of the greatest risks, Elon Musk has ever made, but can this be a hint that something bad is happening? Maybe the expenses grew too much for Tesla?
Let’s look at this situation from an economy point of view
After Panasonic raised 3.9 billion dollars from bonds to help Tesla’s Gigafactory, they immediately felt the 13 percent decrease in their profit and 5.9 percent drop in their total revenue, to about 17 billion dollars. The official report is that they believe the drop is caused by their deal with Tesla, but only partially. The main headquarter is in Osaka, Japan but they have special department only for automotive industry called Panasonic Automotive Systems Co. That department, solely, has the estimated revenue from auto parts sales of about 10 billion dollars in its 2015 fiscal year. So is their profit decrease important? Is it even noticeable?
Panasonic is a corporation with a long history. Their roots go before any of us were even born and they handled every situation, every crisis, even great war without stumbling. They went into this business with Elon Musk, with capital large enough to decrease their profit by a tenth in a second. But they did this for their long-term growth.
Tesla Motors is not a single company in Elon Musk’s hands. Everything that he has created brought him a great deal of money, but there were no easy steps. Every decision he made about his business was risky. We all looked at him in wonder, as he was spending millions (he earned by selling PayPal) creating his Roadster, and he earned billions by making that risk. Then he started building rockets and telling people he will go to Mars, and we laughed. A couple of months ago the entire USA filmed with their cameras some “meteor” going slowly into the atmosphere, but nobody knew that was Elon Musk’s rocket going back to its landing platform. Even NASA is using his rockets, so nobody is laughing now.
Historically and for the sake of future, we can only say that Panasonic has chosen the right ally in this silent war of economics. They couldn’t have chosen a better partner. And if they decided to back them up, that can only be a proof that there is nothing to worry about. In the end, only time will tell us if there is something “fishy” going on with Gigafactory and the future of Tesla. Or maybe we will never find out. For now, we can only sit, enjoy and wait for the next story.


A joint-venture between affiliates of Dreamscape Companies and Meritage Group LP completed the acquisition of the Nashville Holiday Inn & Suites Downtown, a newly constructed hotel situated in the heart of Downtown Nashville in the city's vibrant SoBro (South of Broadway) neighborhood. This purchase marks Dreamscape's second hospitality transaction in the city in 2021, having acquired The Sheraton Grand Nashville Downtown in June. The purchase of this 230-room hotel underscores Dreamscape's commitment to expanding its presence in the Nashville market, as well as identifying prime growth opportunities in key regional areas across the country.
"We are very pleased to be partnering with Meritage on this exciting deal. Nashville has long signified an area of keen interest for us, and after entering the market earlier this year with the purchase of The Sheraton Grand Nashville Downtown, we immediately knew that we wanted to expand our footprint in this booming city, which continues to attract tourists from all over the country as well as across the globe."
-Eric Birnbaum, Founder and CEO of Dreamscape Companies
"We are thrilled to be expanding our presence in Nashville given the strong market fundamentals. This transaction marks Dreamscape's fifth acquisition in the last year and fits squarely into our thesis to acquire assets in high-growth markets at an attractive basis."
-Scott Broder, President of Dreamscape Hospitality
The Nashville Holiday Inn & Suites Downtown, located at 415 4th Avenue South, has been outfitted with 230 rooms and 8,700 square feet of first-class meeting space, making it an ideal establishment for leisure and business travelers alike. The property, which opened its doors just two years ago, also includes the street front cocktail bar and restaurant, 4th and Peabody, which is preparing to undergo a thoughtful renovation, as well as an on-site parking garage. In addition to reimagining the hotel's dining concept, Dreamscape is also planning to integrate additional retail concepts within the property's expansive lobby.
"We are pleased to partner with Dreamscape to acquire another leisure-oriented, new construction hospitality asset in a dynamic growth market. This is a continuation of Meritage's broader commitment to investing in downtown Nashville, which began in 2017, and this marks our fifth investment in Nashville of strategically located, urban-core assets."
-Jared Halperin, a Managing Director at Meritage
Located just a short walk from the city's ever-bustling and widely trafficked Broadway strip, the Nashville Holiday Inn & Suites Downtown places visitors in close proximity to Bridgestone Arena; Music City Center, the city's convention center; and other iconic institutions and landmarks. Additionally, those craving the best Nashville has to offer will delight in knowing that the hotel is situated just across the street from Nashville's famous barbeque restaurant, Martin's BBQ Joint.
Dreamscape's mission is to create long-term financial prosperity through a diversified portfolio of differentiated, forward-thinking real estate projects. Led by Founder and CEO Eric Birnbaum, Dreamscape owns and operates residential, retail, hospitality, entertainment and gaming properties, (re)developing experience-centered spaces that focus on maximizing each property's intrinsic value.
About Meritage Group LP
Meritage is a fundamentally-oriented investment firm with assets under management in excess of $11 billion as of December 31, 2020. Meritage invests in public and private equity, credit and real estate. The firm has approximately 50 employees in offices located in Greenwich, New York City, and San Francisco.


Running a business comes with inherent risks and uncertainties, making protecting against potential losses and liabilities crucial. Commercial insurance is pivotal in providing a safety net for businesses, regardless of their size or sector. This article will delve into the foundations of business liability insurance, its significance, and why it is an indispensable component of a comprehensive risk management plan.
Foundations Of Commercial Insurance
Commercial insurance is a specialised coverage created to shield businesses from a spectrum of risks and potential financial losses. As a safety net, it protects against unforeseen events such as property damage, lawsuits, worker injuries, or natural disasters.
Various Types Of Commercial Insurance
Businesses can choose from various commercial insurance plans tailored to meet different industries’ unique needs and risks. Some notable categories include:
- General Liability Insurance: Covers monetary penalties from third-party lawsuits alleging personal, property, or bodily harm. *
- Insurance For Directors And Officers: Protects personal assets of directors and officers against lawsuits stemming from their decisions or actions. *
- Property Insurance: Covers physical assets like buildings and machinery and inventory against theft, fire, natural disasters, accidents, and other perils. *
- Business Interruption Insurance: May provide coverage for financial losses due to business interruptions caused by fires or natural disasters. *
- Workers’ Compensation Insurance: Mandatory in India, can pay for medical costs and benefits to workers who suffer illnesses or injuries at work. *
Benefits Of Commercial Insurance
Commercial insurance offers several advantages for businesses in India:
- Asset Protection: Safeguards tangible assets like property, machinery, and supplies against risks such as fire, theft, vandalism, and natural disasters.
- Liability Coverage: Liability business insurance shields against third-party lawsuits, covering settlements, awards, and defence expenses, alleviating financial burdens.
- Business Continuity: Covers lost income and ongoing costs during interruptions, ensuring businesses can maintain operations until normalcy is restored.
- Product Liability Coverage: Essential for businesses producing goods, it defends against lawsuits related to faulty products, covering legal costs and settlements.
- Employee Risks: Covers risks associated with employees, including workers’ compensation for injuries and employee liability insurance for complaints of wrongful termination, harassment, and discrimination.
- Professional Indemnity: Beneficial for service providers, it offers financial coverage for potential damages and legal defence costs in case of professional claims.
- Peace Of Mind:Allows business owners to focus on core operations without worrying about unforeseen events or liabilities, providing security.
- Legal Compliance: Ensures adherence to legal obligations, such as the requirement for workers’ compensation insurance in India, preventing fines and legal issues.
Commercial insurance is a crucial safety net for businesses, offering protection against unforeseen circumstances and potential financial losses. It provides a comprehensive solution to manage various risks, giving owners and stakeholders peace of mind. Beyond safeguarding assets and finances, business liability insurance allows businesses to concentrate on core operations and strategic expansion. Claims are subject to terms and conditions set forth under the commercial insurance policy.
Business owners must make informed decisions based on a thorough understanding of business property insurance nuances. Moreover, meeting the expectations of clients, partners, and regulatory agencies by having the necessary coverage in place enhances a business’s credibility and trustworthiness. By embracing commercial insurance, enterprises establish a robust foundation for long-term success, effectively managing risks and ensuring a secure future.
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.


Mergers and acquisitions can never be about finance alone.
In the digital sphere, the bigger picture is rapid growth – the ability to bring potentially powerful services or applications to the world before more global companies do it. This is the context we all work in. And this is where I come in.
It’s a stark truth that companies in the digital sphere must choose between growth or almost certain death. Growing organically simply takes too much time.
Conversely, young companies that go for growth through mergers or acquisitions are uniquely poised to play on a far wider regional, national or even international stage.
Not all opportunities are born equal. For the magic to occur, people that choose to go the M&A path must share the right combination of passion, values and professionalism in everything they do.
My role is to find companies with such people and conclude deals between them. Companies that match in terms of people, strategy, competencies and clients. The result is fast and above all scalable growth – the nirvana of every digital company.
If your company has hit a glass ceiling, if you see the need to add a new market to your offering or a new set of business skills to your offer, call me.
Through Autika I have concluded more than 30 M&A transactions in 13 European countries, raised capital from investors in 7 European countries and concluded MBOs and strategic partnerships.My latest transactions


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While financial support is not (and will never be) required to access our content, your support in any amount would be greatly appreciated and will be re-invested to further the work of this ministry. For example, your assistance will not only help keep Joshua’s Outpost up and running, but it will also help us create and curate additional content and to grow our voice larger in proclaiming the Gospel to men all across the world. You may lend your voluntary support in one of the following ways:
Commit a monthly gift of $1, $5, $10, or $20 with Patreon. Choose the Tier that best suits you and enjoy exclusive discounts and free merchandise from Joshua’s Outpost shop.
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IMPORTANT TAX INFORMATION: Joshua’s Outpost is NOT a designated 501(c)(3) charitable organization, though giving directly connected to missions efforts are tax-deductible. Please consult your tax advisor to determine the deductibility of your gift.


In a shocking turn of events, Zixiao “Gary” Wang, the former business partner of Sam Bankman-Fried, testified in court regarding Bankman-Fried’s unethical behavior. Wang, who co-founded FTX with Bankman-Fried, confessed to using FTX clients’ funds without permission to invest in Bankman-Fried’s personal hedge fund. As the trial unfolds, it becomes increasingly evident that Bankman-Fried knowingly manipulated the system for personal gain, leaving customers devastated and the future of FTX uncertain.
As the first major witness in Bankman-Fried’s trial, Wang shed light on the extent of his former partner’s illicit activities. Bankman-Fried faces seven charges, including fraud, embezzlement, and criminal conspiracy. These charges carry severe penalties, potentially leading to over 100 years in prison. It is evident that the collapse of FTX in November 2022 was a direct result of Bankman-Fried’s actions, as he committed FTX’s funds to risky endeavors through Alameda Research, his personal hedge fund.
Wang testified that Bankman-Fried intentionally modified FTX’s software in 2019 to grant unlimited funds withdrawal privileges to Alameda Research. This modification was concealed from the public and investors, directly contradicting Bankman-Fried’s public statements. He deceived journalists and investors by falsely claiming that Alameda was treated like any other trader on FTX and that customers’ funds were not utilized for other purposes. Wang’s revelation highlights Bankman-Fried’s willingness to break the law and deceive others for the sake of FTX’s growth and profitability.
The Implications of Stolen Customer Funds
As Bankman-Fried’s unchecked manipulation unfolded, customers’ funds were misappropriated without consent. It is estimated that $8 billion in customers’ funds were missing at the time of FTX’s bankruptcy, borrowed by Alameda and unable to be reimbursed. Bankman-Fried went to great lengths to cover up these transactions, requesting customer losses to be recorded under Alameda to protect FTX’s reputation. This egregious behavior not only violated the trust of FTX’s customers but also revealed Bankman-Fried’s disregard for the consequences of his actions.
Wang’s testimony also sheds light on the toxic culture fostered by Bankman-Fried at FTX. His willingness to break the law and lie to employees, journalists, and investors demonstrates a complete lack of integrity. Wang’s cooperation with federal prosecutors indicates his recognition of the wrongdoing and further exposes Bankman-Fried’s manipulation of those around him. This culture of deception ultimately led to FTX’s stunning collapse, leaving countless innocent parties in financial ruin.
While Wang’s testimony offers valuable insight into Bankman-Fried’s unethical practices, the trial is far from over. Former Alameda Research CEO Caroline Ellison, who has also pleaded guilty, is expected to testify and provide additional evidence against Bankman-Fried. As the trial resumes, the extent of Bankman-Fried’s wrongdoing will become even clearer, ensuring that justice is served.
The Repercussions and Uncertain Future of FTX
The revelation of Bankman-Fried’s unethical practices has irreversibly damaged FTX’s reputation. Customers who entrusted their funds to the platform are left questioning its integrity and security. The collapse of FTX not only resulted in significant financial losses but also created a level of uncertainty within the cryptocurrency trading community. It remains to be seen whether FTX can regain the trust of its former customers and rebuild itself from the ashes.
Sam Bankman-Fried’s trial has unveiled an alarming pattern of misconduct and deception. His selfish actions have caused immense harm to FTX’s customers and tarnished the integrity of the cryptocurrency trading community. As the trial progresses, it is crucial to hold individuals like Bankman-Fried accountable for their actions, ensuring a safer and more trustworthy environment for all investors. The outcome of this trial will undoubtedly shape the future of FTX and set a precedent for the consequences of unethical behavior in the crypto industry.


a. What are your payment terms?
- Our payment terms are simple – all campaigns must be pre-funded before they can go live. You can pay via our payment section, or when you place your order. Experiencing issues? Contact us at [email protected].
b. Is there a minimum or maximum amount that can be added?
- We set very reasonable minimums and maximum amounts for mobile app marketing campaigns. You can add as little as $1 or as much as $1,000 per transaction.
c. What are the available payment options?
We accept PayPal & Wire Transfer for global advertisers at present. However, we will be adding Skrill shortly. For Indian advertisers, we accept CCAvenue. We are also happy to accept credit cards, debit cards, Paytm, UPI & net banking, and more.
d. Do you accept wire transfer?
Yes, we do accept funds via wire transfer. Kindly check below bank details:
Payee Name: Adglobi Media
Bank Name: State Bank of India
Account number: 38554538571
IFSC code: SBIN0005551
SWIFT code: SBININBB531
Branch Name: KHOPOLI
Branch Address: Navanath Colony, DC Nagar Area, Shri Ram Nagar, Khopoli, Maharashtra - 410203


Merchant cash advances are currently the most popular form of alternative business funding methods out there, and we like to think it’s for good reason. Merchant Cash Advances allow you to sell off future credit card sales at a discount, which in turn will give you a loan-like way to get the money you need without having to jump through the hoops of typical lending methods.
How It Works
With a Merchant Cash Advance, what you are basically doing is selling off your future credit card sales for money right now. The company that gives you the advance is buying those sales at a discount, most often using a factor equation to figure out how much of a discount you will be selling those sales for. Overall, the average APR equivalent of a Merchant Cash Advance can range anywhere from 15% to 80%. (Your specialist can explain this in further detail.)
Why Our Clients Love Merchant Cash Advances
- It’s a popular trend, and it’s one you should consider joining if you need business funding in a flash!
- Approval within 24 hours, funding within days. Most MCA’s get approved within a single day, and funds are available in under a week.
- Simple, fee-free, no obligation applications. It only takes a single page of paperwork to get the funding you need. There’s no fees involved, and you’re not obligated to accept the offer if you decide against it.
- Tax deductible interest rates. It’s like getting a small bonus at the end of tax season.
- Bad credit is A-OK! Merchant cash advances don’t hinge on credit scores, so you can have a low credit score and still get funding.
- Advances can be up to $750,000. In other words, it will most likely exceed the amount of money traditional banks would have offered you.
- You get full control of the money. There are no limits on how you can use the money. It’s all up to you!
- Super flexible payment terms. Simply put, if you don’t make sales in one week, you don’t pay that week. This is because cash advances are about selling off your future sales. If you make more sales in one week, you pay more, but take less time to pay off everything.
- Short term lending. Most advances are paid off within 4 to 18 months.
- Get Cash Fast!
A Merchant Cash Advance is easy to apply for, and can get you the money that you need in a flash.
Ready to get started?
Give us a call to (678) 983-4555, shoot us an email to firstname.lastname@example.org, or come over and visit us for coffee.


SmartFees Direct Debit
What are the benefits?
- Improve your cashflow
- Reduce bad debts
- Save time and avoid mistakes by eliminating manual payment entry
- Give parents an easy method of paying fees
- Send free emails and SMS to your direct debit parents
How does it work?
- Parents elect to have fee payments direct debited from either a bank account or a credit card.
- Direct debit transactions are triggered from within SmartFees CCMS by you and can then be sent to a secure payment processing gateway for authorisation and processing.
- Payments are then automatically deposited into your bank account.
- We recommend ChildCare EasyPay as your choice for processing of direct debit payments.
- For existing SmartFees clients, detailed instructions for setting up Direct Debit are available from the SmartFees online Help.
Click here to view the SmartFees Direct Debit webinar.
Click here for more information about SmartFees direct debit using ChildCare EasyPay.
For more information about ChildCare EasyPay, visit www.childcareeasypay.com.au.
Click here for more information about the ChildCare EasyPay /SmartFees partnership.


Only with structured, stable funding can scientists see their work progress from initial hunch to new technology. Rockefeller’s approach to funding is designed to direct dollars to the projects with the greatest potential.
Science by its very nature is a costly enterprise. To make progress, scientists must ask questions to which they don’t know the answers. Then, to answer those questions, they must dedicate considerable time, creativity, determination—and money.
Funding for science comes from many sources. Grants—especially from the federal government—play an important role in funding the work that takes place at Rockefeller, but it’s not enough. To tackle especially risky projects and to explore unexpected results, additional funding mechanisms are needed.
At Rockefeller, every faculty member receives an annual allocation from the university’s research budget, an unrestricted grant that the head of laboratory can use in whatever way he or she wishes. We also have money earmarked for work related to specific diseases, including cancer, digestive disorders, Alzheimer’s disease, and immune disorders, and for specific types of research, such as clinical research. These funds derive from the university’s endowment and from generous gifts made by private foundations and individuals. Rockefeller’s stable base of support, backed by a $2 billion endowment and maintained by our exceptional group of committed donors, makes it possible to do research that might never occur elsewhere.
Over the past few years, we have launched several innovative funding initiatives designed to encourage high-risk research and fill in the gaps left by traditional sources of revenue.
The Robertson Therapeutic Development Fund, established in 2014 with a gift from Julian H. Robertson Jr.’s Robertson Foundation, is dedicated to developing basic research discoveries into new medical therapies. Of the thousands of clinically promising innovations scientists come up with each year, the vast majority never advance beyond the lab. The Robertson Fund provides grants of $10,000 to $1 million or more to support medically significant research that has evolved beyond the basic research stage, but has not yet amassed sufficient data to attract industrial or venture capital.
Projects with pharmaceutical potential can also advance in the Tri-Institutional Therapeutics Discovery Institute, a joint initiative of Rockefeller, Memorial Sloan Kettering Cancer Center, and Weill Cornell Medicine. Staffed with experts in drug discovery from the biotech and pharmaceutical industries, the institute has independent funding to develop compounds and conduct “proof of concept” studies in order to demonstrate that targeting a specific biologic pathway can favorably alter the course of a disease.
Initiatives that support specific research areas play a critical role at Rockefeller, funding exploratory work and encouraging collaborations between labs working on similar problems. The Kavli Neural Systems Institute at Rockefeller, established with support of the Kavli Foundation, is a $20 million effort to promote interdisciplinary research and to tackle the biggest questions in neuroscience through high-risk, high-reward projects and the development of new research technologies.


Terms & Conditions
1) Payments: For wired payments, customer must bear the transfer charges.
2) PDC payments and credit facilities are not allowed.
3) Customer must make a 100% down payment in order for material to be released to the customer. Once payment is credited to seller, only then material is released to customer.
4) All sales are final, there are no refunds.
5) Berti General Trading LLC reserves the right to withhold the shipment to the customer in the event that terms are not met.


- After selecting the products, click "Add to Cart"，then click "Checkout" in the shopping cart.
- Input the payment details and click "Place Order" to proceed to payment.
- When the order is successful, you will receive an order confirmation email. If you do not receive it, please check your spam folder. In case you still cannot find the confirmation email, please contact us.
- If electronic payment is selected, the payment process will be encrypted and handled by the respective platform. We will not attain any information of your credit card and related information. The payment platform may collect an extra service fee.
- If you choose to pay by bank transfer/ATM, you have to pay to the following account within 48 hours. The payment proof or deposit slip should be sent to (852) 5445 7075 via Whatsapp/ Signal. After order completion and receiving your proof of payment, generally we will validate and arrange the delivery in 10 working days, a notification email will be sent to you. If you still haven't received the notification after 10 working days, please call (852) 5445 7075 or email firstname.lastname@example.org. If you cannot complete the payment within 48 hours and send us the proof of payment, please notify us in advance, otherwise the order would be cancelled.
【Account details】Beneficiary Name: emco Novus International LimitedBank Name: Bank of China (Hong Kong) LimitedBank Code: 012Account No.: 885-2-028155-1
- Once the payment is completed, the order cannot be cancelled.
- In the order process please carefully choose the delivery method and input your information. The order cannot be edited after order confirmation. If you need local (HK) delivery services, you can choose SF services (delivery cost is paid by customers) or pick up the products in our office.
- SF delivery: After order confirmation and payment completion, products would be delivered within 10 working days. Delivery generally take 1-2 working days (for accurate delivery time please refer to SF Express, delivery fee is paid by customers.)
- If you choose to pick up in our office, please visit in our office hour.
Please read the Terms and Conditions before purchase.


Our office is located in Trumball, CT
Request an insurance quote from a licensed insurance professional.
Request a no-cost consultation with a licensed insurance professional.
Omega Financial Group is a completely independent insurance agency focusing in Employee Benefits, Health Insurance, Life Insurance and Medicare strategies. We work with the top insurance companies so we can offer our clients the most suitable coverage for them. OFG's clients are located all across Connecticut and the USA, giving us a feel for the insurance landscape. Contact us today for a free consultation.


What is risk management according to DIN EN ISO 9001?
The need to manage business risks, i.e. risk management, is not really new. Companies are well advised to include the associated level of risk in all strategic and operational decisions. Since executives show a divergent risk appetite, the legislator has acted with the law on control and transparency in the corporate sector in order to ensure a cross-company level. Management boards in particular are therefore obliged to implement risk management in accordance with ISO 9001 in the company.
The way in which risks are dealt with is, however, relevant from a further perspective, which is referred to in the course of banking regulation with the term “Basel Accord”. If companies want to raise capital on the money market, the financing conditions depend on the rating result of the lending bank, which evaluates the default risk of the borrower for the calculation. If a company operates a risk management system according to ISO 9001, the costs are reduced. On this page we will show you how you can secure financial resources for your organization by managing risks and thereby reducing the risk of tortious liability.
Reasons for risk management according to ISO 9001
The growing complexity of the market and the increasing pressure to succeed, combined with permanent change, often prompts companies to take ever greater risks. If a crisis then occurs, the cause is usually a so-called weakness in control, ie inadequate identification, analysis, monitoring and management of risks.
Risks can arise from external factors that affect what happens in the company and influence decisions in the company, such as:
Legislation and case law:
product liability, environmental protection, commercial law, etc.
change in purchasing behavior, political behavior
price and income development, population development, etc.
events : competitive pressure, drop in demand, falling prices, buyer claims, etc.
Internal factors as sources of risk
In addition to the above-mentioned external reasons, there are also a number of internal factors that can be identified as sources of risk in the company, such as:
- Technology: Plant condition and security
- Product design: product quality and safety
- Sales organization: product policy, drafting of contracts
- Information management: information technology, communication
- Capital base: capital structure and liquidity
- Personnel: qualifications and motivation
- Corporate culture: politics and leadership
Risk management according to ISO 9001 raises awareness with a view to the context
When looking at the external and internal factors that lead to risks, it is immediately apparent that DIN EN ISO 9001 also considers these criteria to be relevant. The determination of the context in the sense of the 2015 revision leads us directly to the risk factors of a company with internal and external issues. According to the note in subsection 4.1 of the standard, the understanding of the context can be promoted by considering the internal and external issues shown in the graphic on this page. In order for these aspects to be internalized in the company and implemented in appropriate planning and actions, an organizational development process is required that includes all employees as possible in an intensive communication process.
- legal environment
- Technical environment
- competitive environment
- market-related environment
- cultural environment
- Economic Environment
- Performance of the organization


Running a successful business requires clear financial visibility and control. Unfortunately, many businesses still rely on slow, manual processes that hinder their growth potential. At HeySuccess, we understand the importance of accurate financial information in making informed decisions. That’s why we offer modern and efficient accounting solutions backed by the latest technology.
With our streamlined record-keeping system and user-friendly software, you can access real-time financial reports anytime, anywhere. Gain a clear understanding of your company’s key financial information and avoid costly mistakes.
Experience the convenience and power of modern bookkeeping. Let us help you simplify your accounting tasks and unlock the full potential of your business.
Our range of services is designed to support your business growth and success by providing expert assistance in bookkeeping, business processing and liaison, compliance, and online filing.
We understand that every business has unique accounting needs. That’s why we have carefully selected a range of cloud-based bookkeeping software to suit various requirements. Whether you choose Xero, QuickBooks, Zoho, or Ojima, we’ll help you implement and optimize the software that best fits your business. With our expertise and these powerful tools, you can stay organized, improve productivity, and make well-informed financial decisions.
At HeySuccess, we strive to make bookkeeping as seamless as possible for your business. Our 5-step bookkeeping process is designed to provide you with top-notch service and support, while ensuring the financial health of your business. From initial consultation to ongoing support and optimization, we are with you every step of the way. Here are the five steps that outline how our bookkeeping service works:
By following these steps, we ensure that our Bookkeeping Service works seamlessly to provide you with accurate financial records, improved control, and valuable insights to drive the success of your business.
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Thank you for visiting Hey Success PH, a social enterprise based in Baguio. Our team is dedicated to providing consulting and professional services that empower small and mid-sized enterprises (SMEs) for success. Discover more about our social enterprise and how we support thriving SMEs by clicking the button below.
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Debt collections is a key focus area for ADT. We work with various lending institutions, debt buyers and premier collection agencies in the US to service the consumer debt collections market. We recover debt in various stages of delinquency including 1st Party, Pre-Charge off, Primary, Mid-Primary, Secondary, Tertiary, Quaternary & Quints and work on products ranging from Bankcards, Retail Charge Cards, Signature and Personal Cards to Lines of Credit, Auto Loans and Telecom.
Intellicom’s debt collection operations have already figured in top debt collection rankings published by some clients. Our partnerships with various leading collection agencies have given us the opportunity to offer the best collection practices in the US worked out of India thus providing a mix of proven processes, scalability and efficiency.
Our services include:
- Pre and post-charge-off collections
- Early fraud identification
- Credit card activation
- Property recovery
- Disaster prevention and recovery
- Dormant judgment
- Pending bankruptcy
- Small balance
- Distressed portfolio
- Early-out collections
Training & Compliance – ADT has a training lab dedicated for Collections Operations and our best-in-class training programs enable collectors to operate professionally and ethically.
Comprehensive knowledge about the clients’ brand values, culture, product and services helps our team achieve business, quality and productivity goals while also reducing delinquency rates and maximizing recovery. All our collectors are FDCPA compliant.


Pips are probably the most used term in the “Forex Market”. Forex market is the global online platform for exchanging foreign currencies worldwide. Traders from all around the world exchange currencies according to their needs and try to gain profit.
Generally, pip (price interest point or % in point) is the fluctuation in currencies in fractions of a dollar. Meanwhile, lot refers to the unit, used in measuring the transaction’s amount. In the trading process, the traders are required to know the value of pips with lot size to find out the amount of gained profit or incurred loss.
That’s why doing the calculation of pip with lot size is crucial. This can be done both by manually and with the help of different available pip calculators.
1. Manual Calculation through Formula
There are different available apps to do the task. But calculating the pips with a lot size through formula often provides the traders with some extra mental assurance.
So, what is the required formula to calculate the pip value with a lot size?
Well, The formula looks like this :
Pip value = ( 1 pip Lot size ) Exchange rate of currency
Short descriptions of the terms:
To calculate the pip value with this formula, you need to know the 1 pip amount which in general is 0.0001 in USD related currencies. But this value differs in case of JPY related combinations. In Japanese Yen, 1 pip = 0.01.
The lot size is divided into three main categories.These are Standard, Mini and Micro. In Standard lot size, 1 lot=100,000 units of given currencies; in Mini lot size the unit is 10,000 and in Micro the unit is 1000 in given currencies. You will enter your preferable lot size in the formula to calculate the pip value. Learn more from https://safetradebinaryoptions.com/pip-calculator/.
Exchange Rate of currencies:
The exchange rate of currencies is the value in which the currencies are being bought and sold by the traders. The value can be known from different sources and used to determine the pip value.
For example, If you want to calculate the pip value of EUR/USD and your lot is of Mini size, multiply 0.0001( 1 pip) with 10000 ( lot size) and divide the whole by current exchange rate ( It is 1.12181 now ). The calculated pip value is 0.89141 .
2. Calculation through Apps/ Websites
Calculation by the pip calculators is quite simple. You just need to enter the requirements, the pip value will be calculated and shown automatically. Some of the apps are FXTM (Forex Time Calculator), SafeTradeBinaryOptions, MyFxbook, CashBack Forex, XM Pip Value Calculator etc.
The traders tend to buy the currencies whose prices will probably increase. On the other hand, traders sell the currency whose price will fall.
If the traders manage to buy the currencies before the price rises and sell them in raised amounts, they gain profit. And if you are one of those traders, then at some point you will have to calculate the pips value with a lot size.
Hope the above description will meet your inquiries and help you in making your trading strategies and decisions.


Farmers State Bank provides you with a variety of secure services to conveniently access your accounts while remaining in the comfort of your home. With Farmers State Bank Online Banking you can easily check account balances, transfer money, or even pay your bills. With online banking you can also review and print statements on demand.
Enroll in online banking today to take advantage of the many services offered to simplify your banking needs.
Online Bill Pay is a service provided to anyone with online banking to help you manage your bills. Take the hassle out of writing checks and managing bills with this easy-to-use service. Pay anyone in the United States that you would normally pay by check, automatic debit or cash. Paying your bills has never been more convenient.
Pay your bills in minutes: Pay bills without the added cost of stamps or envelopes. Whether you’re paying your babysitter, phone bill, or utilities, Bill Pay offers the capability to pay your bill directly through online banking. Schedule a one-time payment, or schedule recurring payments and avoid late fees and missed due dates. Bill Pay is easier and quicker than writing and mailing paper checks!
e-Bills: Save a trip to the post office and receive & pay your bills all in one place. An e-bill is an online version of your paper bill. With e-Bills, you can receive, review, and pay bills from hundreds of local and national companies through Bill Pay. e-Bills will save you time and paper!
Access Bill History: Bill Pay allows you to access 24 months of bill history.
Checking your account balance, transferring money, paying bills and even making deposits is now more convenient with our Mobile Banking App. FSBCTX is the app that provides you with the essential tools to manage your accounts through any mobile device.
Try our new feature, Mobile Check Deposit. This feature is built-in to Mobile Banking so you can conveniently deposit checks using compatible mobile devices. This in-app feature gives you the ability to make deposits by taking a picture of both the front and back of the endorsed check.
Another service we provide for Mobile Devices is Text Banking. Text Banking gives you the ability to check balances, make transfers and even locate ATMs all via text message.
Must be enrolled in Online Banking to participate in Mobile Banking. Some advanced features are only accessible through Online Banking. Message and Data usage charges may apply.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a services mark of Apple Inc. Google Play is a trademark of Google Inc. Amazon, Kindle, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
Deposit in a Snap!
FSB Mobile Check Deposit allows you to deposit checks anytime, anywhere.
|Step 1: Touch the "Deposits" tab at the bottom of the app. Select "New Deposit" to continue.
|Step 2: Select the account you wish to deposit the money into. Enter the amount of the check you wish to deposit, then "Continue"
| Step 3: Be sure your phone settings allow FSBCTX to access your camera.
Capture photo of both Front and Back of the check you wish to deposit.
Be sure the check is endorsed. Below endorsement write "FOR MOBILE DEPOSIT ONLY".
|Step 4: Confirm the account details and amount, then select "Yes".


Planned Cuts in Funding for Wigan Schools
As you may be aware the government is planning to introduce a new “National Funding Formula” for all schools from April 2018. This is now the subject of a wide reaching consultation. The government’s stated intention is to introduce a funding formula that addresses the long-standing inequalities in school funding that have existed for many years. Those inequalities have led to areas such as Wigan receiving significantly less funding per pupil than many other areas of the country over many years. Unfortunately the impact of the planned changes will be to significantly reduce still further the money available to schools throughout the Borough.
The Wigan Schools Forum, a group comprising representatives of all schools and other educational settings in the Borough, recently met to consider the impact of the planned changes. The Forum agreed that this was of such importance that all schools be asked to forward a letter to parents explaining the impact of the changes; and asking you to make representation to the government opposing the changes and seeking a change in the new Funding Formula so that it actually delivers its stated aim of giving all schools an equitable share of the funding available.
To illustrate the impact of the new Funding Formula, in 2016-17 Wigan’s schools were the 72nd poorest funded in the country, however under the new National Funding Formula Wigan will fall to the 109th poorest funded. Under the new Formula from April 2017, 88 out of 99 primary schools and all secondary schools in the Borough will receive less funding than in 2016-17. The full impact of the planned changes on your school can be seen on the following website:
You may have also seen in the media that a recent report by the National Audit Office into school funding concluded that in order to meet cost pressures out of the control of schools, nationally schools will need to make savings of £1 billion in 2016-17, rising to £3 billion by 2019-20. This equates to an 8% real-terms reduction in pupil funding between 2014-15 and 2019-20.
Schools in the Borough, through the Schools Forum reached the following conclusions, which will be reflected in its response to the on-going government consultation:
whilst agreeing with the principles that underpin the introduction of a new National Funding Formula that is fair and equitable; the proposed Formula fails to deliver those objectives and actually disadvantages those areas that have traditionally received the poorest level of funding.
- fundamentally there is insufficient funding within the education system nationally and locally to allow schools to meet the budgetary pressures they now face;
- the new National Funding Formula fails to meet the objectives the government has set, as it is primarily based on historical funding and therefore, with the 3% cap on any loss of funding, the formula continues the inequalities that presently exist;
- the planned reduction in the percentage of funding allocated to each pupil and to the school lump-sum is of great concern because they are the key that underpin the funding to all schools;
- the proposals represented a lost opportunity to introduce a Funding Formula based on the actual costs of educating a child, regardless of where they live rather than be based on historical spend and use of national averages
We would like your support in our attempts to get the government to change its mind and amend the planned new Formula so it delivers what it set out to achieve and does not continue to treat areas such as Wigan unfairly.
You can do this by responding to the consultation, which closes at 5.00 pm on 22 March 2017. You can submit your comments on-line at:
You can also make representation via your local MP. They are Andy Burnham (Leigh Constituency) Yvonne Fovargue (Makerfield Constituency) Lisa Nandy (Wigan Constituency) and Chris Green (Bolton West Constituency). The best way to contact your MP is to write to him or her at the House of Commons. You can write to your local MP at:
House of Commons, Westminster, London SW1A 0AA
Alternatively you can e-mail them at:
Please help our schools by supporting their efforts to make the changes needed and to provide your school with the funding it needs to provide the best possible education for your child.
Adrian Hardy Chair of the Wigan Schools Forum.


Are solar panels worth it in Maine? Maine, famously known as the Pine Tree State, is not just renowned for its scenic beauty but is also becoming a hotspot for solar power generation. With over 2600 hours of sunshine annually, it’s an untapped resource that homeowners are beginning to explore.
Yes, solar panels are indeed worth it in Maine. The state’s ample sunshine and supportive solar policies make it a viable investment. Over time, solar panels can lead to significant energy cost savings.
This blog post delves into the intricacies of solar panel costs in Maine, helping you understand if it’s a worthwhile investment for you. Harness the power of the sun, save on your bills, and contribute to a greener planet, all at the same time.
Table of Contents
Harnessing Sunshine: Is Solar Energy Profitable in Maine
Solar energy in Maine is not just a sustainable choice but also a profitable one. The state’s abundant sunlight and favorable policies convert into impressive returns on solar investments.
Substantial Savings on Utility Bills
In Maine, solar panels dramatically cut down utility bills. As you generate your electricity, you reduce your dependence on the grid, saving significantly in the long run.
State Incentives and Federal Tax Credits
Maine offers numerous solar incentives and rebates that lower the upfront costs. Additionally, the federal tax credit returns a substantial portion of the investment, making solar even more profitable.
Increased Property Value
Homes equipped with solar energy systems command a higher market value. Besides, they tend to sell faster than non-solar counterparts, adding another layer to the profitability of solar investment in Maine.
Maine’s Solar Boom: An Investment Worth Making?
Maine’s burgeoning solar market is a testament to its viability as an investment. Homeowners and businesses are increasingly adopting this green energy source, capitalizing on the state’s ample sunshine and robust solar incentive programs.
Firstly, adopting solar power in Maine is a move toward energy independence. By generating your electricity, you reduce reliance on utility companies, insulating yourself from fluctuating energy prices and securing energy for decades.
Secondly, the state’s incentive programs, along with federal tax credits, substantially offset the initial installation costs. These financial benefits make the transition to solar power more accessible and appealing to homeowners and businesses alike.
Lastly, solar installations significantly boost property value. Homes with solar systems not only benefit from lower energy costs but also higher resale value, providing an additional financial return on the investment.
Solar Power in Maine: A Good Return on Investment
Solar panels in Maine are indeed a wise financial investment. They offer significant benefits, making them worth considering for homeowners and businesses alike.
High Solar Irradiance
- Maine receives substantial sunlight year-round.
- Sunlight is a free, renewable resource.
- High sunlight exposure maximizes energy generation.
- Solar panels function effectively in Maine’s climate.
- More sun hours mean increased electricity production.
Net Metering Benefits
- Maine’s net metering policy is beneficial.
- Solar system owners get credited for excess electricity.
- Credits can be used when solar production is low.
- Net metering enhances the value of solar investment.
- It ensures maximum utilization of solar power.
- Solar panels reduce reliance on fossil fuels.
- They contribute to reducing greenhouse emissions.
- Solar is a clean, green energy source.
- They are investing in solar support for environmental sustainability.
- It promotes the shift towards renewable energy.
Shine a Light on Solar: Is Maine Ready?
Maine is indeed ready to embrace solar energy. With excellent solar potential and supportive policies, the state is geared up for a solar revolution.
A Robust Solar Market
- Maine has witnessed an increase in solar installations.
- There is high demand for solar energy systems.
- Installers are equipped with advanced solar technologies.
- Businesses are also turning to solar power.
- State policies support solar energy growth.
Infrastructure and Workforce
- Maine has the necessary infrastructure for solar installations.
- The state boasts a skilled solar workforce.
- Training programs enhance solar installation skills.
- Infrastructure development further encourages solar adoption.
- A skilled workforce ensures quality solar installations.
Public Awareness and Acceptance
- Maine residents have high solar energy awareness.
- Public acceptance of solar energy is growing.
- Numerous homes and businesses already use solar.
- Educational initiatives enhance understanding of solar benefits.
- Growing acceptance promotes further solar adoption.
The Future is Bright: Solar Profitability in Maine
Maine’s solar profitability is bright, with promising returns on investment and continuous growth in the solar sector. This adoption trend is fueled by various economic and environmental factors.
Growing Solar Industry
Maine’s solar industry is expanding rapidly, leading to job creation and fostering local economies. Development in this sector enhances the state’s energy independence and resilience.
Government support through incentives and tax credits lowers the initial cost of solar installations. This financial aid stimulates solar adoption by making it a more affordable and viable option for homeowners and businesses.
Switching to solar power significantly reduces carbon footprints. This transition supports Maine’s environmental goals, hastening the state’s progress towards a sustainable and clean energy future. By embracing solar, residents contribute to combating climate change.
Investing in Solar Panels: A Smart Move in Maine?
Investing in solar panels in Maine is indeed a smart move. The decision to switch to this renewable energy source offers a wide array of benefits that add to significant savings and a positive environmental impact.
Long-term Financial Savings
- Solar panels significantly reduce monthly electricity bills.
- Over time, savings outweigh the initial investment cost.
- Solar panel systems require minimal maintenance and repair costs.
- Net metering allows homeowners to earn from excess power.
- Federal tax credits and state incentives boost financial savings.
Enhanced Energy Independence
- Solar panels enable homeowners to generate their power.
- It reduces reliance on utility companies and grid electricity.
- Homeowners are not affected by fluctuating energy prices.
- Solar energy can be stored for use during outages.
- The abundance of sunlight in Maine guarantees a power supply.
Positive Environmental Impact
- Solar power is a clean, green renewable energy source.
- It reduces reliance on fossil fuels, reducing carbon emissions.
- Solar power generation does not release harmful pollutants.
- Each solar-powered home contributes to combatting climate change.
- Solar adoption supports Maine’s sustainability and environmental preservation goals.
Conclusion Are solar panels worth it in Maine
In conclusion, the future is indeed sunny for solar power in Maine. A fusion of robust government support, solar-friendly policies, and abundant sunlight positions this renewable energy source as a smart and sustainable investment. The benefits of solar reach beyond the financial, contributing to energy independence and environmental preservation. The time for Maine’s solar revolution in full force is now, and the invitation to join is extended to all. Harness the sun, fuel your homes, and let’s illuminate a brighter future together.
Q.01. Are solar panels worth it in Maine Reddit?
Reddit discussions suggest that solar panels are indeed worth it in Maine. Users highlight significant reductions in electricity costs, environmental benefits, and governmental incentives as compelling reasons for adoption. They underline that even with seasonal changes, solar panels provide consistent energy output.
Q.02. Solar panels Maine controversy?
There is currently a controversy in Maine surrounding the state’s net metering policy, with some arguing that it unfairly benefits solar customers at the expense of non-solar users. However, supporters of solar energy argue that net metering promotes fair compensation for solar owners and helps to incentivize renewable energy adoption.
Q.03. Maine solar incentives 2023?
The current Maine solar incentives are set to expire in 2023, but it is expected that new incentives will be put in place to continue supporting solar energy growth in the state. The specific details of these new incentives are still being determined. It is important for homeowners and businesses interested in adopting solar to stay informed about any changes or updates to Maine’s solar policies and incentives.
Q.04. Efficiency Maine solar loan?
Efficiency Maine offers a solar loan program for homeowners and businesses interested in installing solar panels. This loan covers up to 100% of the cost of equipment and installation, with a fixed rate and repayment period of up to 15 years. Interested parties can apply through participating lenders and must meet certain eligibility requirements. Efficiency Maine’s solar loan program aims to make solar energy more accessible and affordable for Maine residents.
Q.05. Efficiency maine solar loan lenders?
Efficiency Maine’s solar loan program works with a network of participating lenders to offer financing options for homeowners and businesses. These include local banks and credit unions, as well as national lenders such as Admirals Bank and Sungage Financial. Interested parties can visit Efficiency Maine’s website for a full list of participating lenders and their contact information.


Michael C. Mueller
Michael has been in the hospitality industry over 25 years and has led the acquisition and/or development of more than $20 billion of hospitality assets and has been directly involved with the creation and growth of several hospitality companies and brands, including; Starwood Hotels & Resorts, W Hotels & Resorts and NYLO Hotels. Michael’s vast experience with numerous lifestyle brands have made him one of the preeminent boutique hotel executives in North America.
Since 2015 Michael has been engaged in hospitality development, asset management and consulting via Archtower Capital, LLC a private company controlled by Michael and the initial sponsor of NYLO Hotels.
Michael was the visionary of NYLO Hotels, which he founded in 2004, and served as President and CEO until 2014 (New York, NY & Dallas, TX). Michael secured over $100M of equity and debt from Lehman Brothers and Merrill Lynch to launch the NYLO brand and develop the first three NYLO hotel properties in Las Colinas, TX; Plano, TX; and Warwick, RI. Michael led NYLO through the bankruptcy of Lehman Brothers and the recession of 2008-2010. In 2010 he negotiated a recapitalization that allowed NYLO to not only survive, but prosper. Michael added three additional third party owned properties to the NYLO brand in Dallas, TX; New York, NY; and Nyack, NY. Under Michael’s leadership, NYLO grew into one of the top boutique hotel companies in the United States with 6 hotel properties (3 owned, 5 operated, 1 franchised), $55M in revenues, $20M of EBITDA, over 200 employees and a brand RevPar penetration of 110%. Michael oversaw the sale of NYLO to an off-shore investor in December 2014.
Prior to founding NYLO Hotels, Michael spent 14 years with Starwood Capital Group and Starwood Hotels & Resorts. Michael played an instrumental role in the formation and growth of Starwood Hotels into one of the world’s largest hotel companies as well as the creation and expansion of the innovative W Hotel brand.
From 2002 to 2004 (New York, NY), Michael served as Senior Vice President for Starwood, in charge of global development, acquisition and construction for W Hotels. His efforts more than doubled the size of W, mostly via new-build projects such as the W Montreal, W Dallas and W Fort Lauderdale. He also developed and launched the W Residences product.
From 1998 to 2002 (London, UK) Michael served as Senior Vice President of development for all of Starwood’s brands in Europe, Africa & the Middle East, and he executed more than 50 transactions on behalf of Starwood’s hotel brands (St. Regis, W, Westin, Sheraton, Luxury Collection & Four Points).
From 1996 to 1998 (Phoenix, AZ) Michael served as Vice President of development for Starwood Lodging Trust (then a REIT), which underwent an incredible expansion, from a few dozen hotels and no brands, to well over 100 hotels and several brands, fueling an increase in its stock price from $15 in 1996 to over $50 by 1998. Michael was responsible for the acquisition of dozens of these hotels, hotel companies and hotel brands, including Westin Hotels (1998: $1.6B), and ITT Sheraton (1998: $14.6B).
From 1992 to 1996 (Chicago, IL & Greenwich, CT) Michael was one of the original members of Starwood Capital Group’s acquisitions team. During this time, he acquired real estate assets, businesses and loans on behalf of Starwood Opportunity Fund I and IA ($52M), Starwood Opportunity Fund II ($102M) and Starwood Mezzanine Investors LP ($220M). Michael was also intimately involved with the Starwood & Goldman Sachs acquisition of Westin Hotel (1998: $537M)
Prior to Starwood, Michael worked for City National Bank (Los Angeles, CA) in asset-based lending. Michael was born in Alaska, raised in Michigan and earned a BBA degree from the Undergraduate Ross School of Business at the University of Michigan, Ann Arbor.


The session “Anti-Money Laundering: Challenges and Benefits for the Accelerated Growth of the Financial Industry” has taken place as part of Astana Finance Days 2022. The panel session was organised by the AIFC Financial Services Authority (AFSA). International and Kazakhstan experts reviewed global trends in the field of combating money laundering, discussed the specifics of compliance with the rules for controlling transfers in cryptocurrency, considered combatting anonymity mechanisms, and ensuring transparency of financial transactions to accelerate the growth of the financial sector and other issues.
The speakers of the session included AFSA Deputy CEO and Chief Regulatory Officer Gareth Ling, Executive Secretary of the Eurasian group on combating money laundering and financing of terrorism (EAG) Sergey Teterukov, XReg Consulting Partner Ernest Lima, Senior APAC Policy Advisor at Elliptic Tung Li, and Risk Strategy Specialist for the Customer Risk Intelligence group of Refinitiv Renata Galvao.
As a destination for international business, the AIFC strictly adheres to the standards of the FATF (Financial Action Task Force on Money Laundering), and the AIFC's effective regulatory system allows it to combat these risks through international financial services regulation standards.
“The beneficial ownership transparency movement is currently in the spotlight around the world, while the AIFC has integrated ultimate beneficial owner disclosure rules from the outset to prevent illicit financial flows from flowing through the AIFC,” said AFSA Deputy CEO Gareth Ling. - The ability to conduct business transparently and without reputational risks is key for international companies. The AIFC is a place where companies can apply high standards of conduct with confidence”.
This year, the Eurasian Group on Combating Money Laundering and the Financing of Terrorism (EAG) will conduct a second round of mutual assessment of the technical compliance of the legislation of the Republic of Kazakhstan with international standards for combating money laundering and the financing of terrorism (AML / CFT).
The Astana Financial Services Authority (AFSA) is the independent regulator of the Astana International Financial Centre (AIFC), which is established in accordance with the Constitutional Law of the Republic of Kazakhstan “On the Astana International Financial Centre” for the purposes of regulating financial services and related activities in the AIFC. AFSA administers the AIFC Regulations and Rules and is responsible for the authorisation, registration, recognition and supervision of financial firms and market institutions in the AIFC.
Over 1,400 firms from 64 countries are registered in the AIFC. These firms provide banking, insurance, investment, professional and other services. The range of financial services offered at the AIFC is comparable to the list of services available in long-established financial centers of the world, such as London, Hong Kong, Singapore, Dubai and others. www.afsa.kz
The Astana International Financial Centre (AIFC) is an independent jurisdiction that started operations in 2018. In accordance with the Development Strategy until 2025, the key focus of the AIFC is to consolidate as a universal platform connecting the countries of the EAEU, Central Asia and the Caucasus. www.aifc.kz


When I'm looking for WSOP 2012 results payout structure, why some players paid taxes and some of them doesn't? Is their goverment getting this money from them? Is it about being illegal in their country?
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These are due to IRS regulations, and it isn't taxes paid, just withheld. The players must declare this money as income, less any deductions, to the IRS and then they can have the difference returned to them. For professional players, if they had losses and expenses to offset some of these winnings, they might get quite a lot of it back - even all of it. That's between them and their accountant and the IRS, the casino is just required to withhold that money.
Some countries have tax treaties with the United States and there is no withholding. That is why some players show no tax - but they still have to declare these winnings in their home country and pay taxes there, the casino just isn't required to withhold anything.


Last Updated on October 6, 2023
Dealing with insurance adjusters after a car accident in Portland can be a stressful and sometimes complex process. While your health and recovery should be the primary focus after a car accident, navigating the complex world of auto insurance is also required for you to get access to all that insurance should provide.
Here are some steps to help you navigate the situation effectively.
Ensure Safety: First and foremost, ensure that everyone involved in the accident is safe. If there are injuries, call 911 immediately. Safety should be your top priority.
Exchange Information: Exchange contact and insurance information with the other parties involved in the accident. This includes names, phone numbers, addresses, insurance company names, and policy numbers.
Document the Scene: Take photos and videos of the accident scene, including damage to all vehicles involved, license plates, road conditions, and any relevant traffic signs or signals. This can be crucial evidence later.
Contact Your Insurance Company: Notify your insurance company about the accident as soon as possible. Be honest and provide them with all the necessary information. They will guide you through the claims process.
Don’t Admit Fault: Do not admit fault or discuss who is to blame with anyone at the scene, including the other drivers, passengers, or witnesses. Leave the determination of fault to the insurance companies and authorities.
Get Medical Attention: If you have any injuries, seek medical attention promptly. Keep records of all medical treatment and expenses related to the accident. Open a medical claim so that your treatment is covered by insurance.
Report the Accident to the DMV: If the accident resulted in injuries, death, or property damage exceeding $1,500, you must file an Oregon Traffic Accident and Insurance Report with the DMV within 72 hours.
Contact a Personal Injury Attorney: If you sustained injuries or significant property damage, consider consulting a personal injury attorney who specializes in car accidents. They can help protect your rights and negotiate with insurance companies on your behalf.
Be Cautious with Insurance Adjusters: When speaking with insurance adjusters, remember that their job is to minimize the amount the insurance company pays out. Be careful about what you say and avoid making recorded statements until you fully understand your rights and the extent of your injuries and damages.
Keep Records: Maintain detailed records of all interactions with insurance adjusters, including the date, time, and content of conversations. Also, keep copies of all correspondence, such as emails or letters.
Review Your Policy: Familiarize yourself with your insurance policy to understand your coverage, deductibles, and limits. This knowledge can be helpful when discussing your claim.
Seek Multiple Repair Estimates: If your vehicle was damaged, obtain multiple repair estimates from reputable auto repair shops to ensure you receive fair compensation for the repairs.
Stay Patient: Dealing with insurance claims can be a time-consuming process. Be patient, and don’t rush into accepting a settlement offer if it doesn’t adequately cover your expenses and damages.
Consider Mediation or Arbitration: If you and the insurance company can’t agree on a settlement, you may consider mediation or arbitration as alternative dispute resolution methods.
Know Your Rights: Familiarize yourself with Oregon’s insurance laws and regulations to ensure you understand your rights and responsibilities in the claims process.


More evidence of stable market in October, according to Greater San Diego Association of REALTORS® Although resale home sales continue to be down from a year ago
by Kim Swartz in Blog.
SAN DIEGO (November 7, 2014) – The San Diego County housing market continues to stabilize, according
to new housing statistics from the Greater San Diego Association of REALTORS® (SDAR).
The median price of single-family resale homes dipped slightly in October to just under $500,000. Sale
prices of condos and townhomes held steady at $337,500. Single-family home prices are about 4.5 percent
higher than a year ago, while prices of condos/townhomes are up 14 percent. Taken together, all resale
home prices are up about 8 percent from October 2013.
While month-over-month sales of previously owned single-family homes increased 2 percent in October,
sales of condo/townhouses decreased by more than 3 percent. Combined, sales are down about 9 percent
from a year ago.
The number of active listings on the Multiple Listing Service (MLS) in San Diego County is just under 8,000,
representing three months of housing stock. (Six months is considered a healthy inventory level.) On
average, homes on the market are being snapped up within about 45 days of being listed.
“These new numbers are encouraging because they tell us the San Diego housing market has become
more balanced,” said Leslie Kilpatrick, 2014 SDAR Board President. “Homes aren’t staying on the market
long, so homeowners who are thinking of selling are in a good position. While inventory has grown, the
most sought after properties sell quickly, so buyers need to be prepared to act. This not the time to sit on
the sidelines if a move is in your future.”
In the month of September, the zip codes in San Diego County with the most single-family sales were:
• 92057 (Oceanside) with 50
• 92028 (Fallbrook) with 49
• 92128 (Rancho Bernardo) with 45
• 92127 (Rancho Bernardo) with 44
• 92009 (Carlsbad) with 43
The most expensive listing sold last month in the county: a 6-bedroom, 9-bath, 12,585-square-foot home in
Rancho Santa Fe that sold for $6 million.


Your key consideration for mortgage financing is affordability. In order to qualify for a mortgage, you must, among other things, be able to afford to make your monthly mortgage payment.
Three factors determine what your monthly payment amount is:
- Mortgage amount
- Repayment period
- Interest rate charged
Your mortgage amount will be based on the amount of equity or down payment that you can provide after you have decided on the price of the property you want to buy or build. The repayment period and interest rate charged are variable factors and will affect the amount of your mortgage installment.