Streamlined Sales and Use Tax Agreement
Certificate of Exemption
This is a multi-state form. Not all states allow all exemptions listed on this form. Purchasers are responsible for knowing if they qualify to claim exemption from tax in the state that would otherwise be due tax on this sale. The seller may be required to provide this exemption certificate (or the data elements required on the form) to a state that would otherwise be due tax on this sale.
The purchaser will be held liable for any tax and interest, and possible civil and criminal penalties imposed by the member state, if the purchaser is not eligible to claim this exemption. A seller may not accept a certificate of exemption for an entity-based exemption
If no Steamlined Sales Tax ID Number, enter one of the following:
Enter the code from the table below in the "Reason For Exemption" box to the underneath. Enter the Department/Name/Number in the ID Number Box.
You MUST fill out both the code and the appropriate number for any state in which you are claiming exemption.
The following non-member states will accept this certificate for exemption claims that are valid in their respective state. SSUTA Direct Mail provisions do not apply in these states
Use this form to claim exemption from sales tax on purchases of otherwise taxable items. The purchaser must complete all fields on the exemption certificate and provide the fully completed certificate to the seller in order to claim exemption.
Warning to purchaser: Purchasers are responsible for ensuring that they are eligible for the exemption being claimed. Purchasers will be held liable for any tax and interest, as well as penalties imposed by the state, if the purchase is not legally exempt.
Misuse of exemption certificates : Any purchaser who knowingly and intentionally purchases items for resale that he or she knows will not be resold, or provides an invalid exemption certificate with the intent to evade payment of the tax, must pay the use tax on these items and may be guilty of a Class 1 misdemeanor and fined up to 50% of the tax owed. If a business legitimately purchases an item for resale, but later uses that item, the purchaser is responsible for reporting and paying use tax on that item.
Purchaser instructions for completing the exemption certificate:
If the Multistate Supplemental form is not being attached, enter the two-letter postal abbreviation for the state under whose laws the exemption is being claimed. For example, if claiming a sales tax exemption in Minnesota, enter “MN” in the boxes provided.
If this box is not checked, this certificate will be treated as a blanket certificate. A blanket certificate continues in force as long as the purchaser is making recurring purchases (at least one purchase within a period of twelve consecutive months) or until otherwise cancelled by the purchaser.
Multistate Purchasers: The purchaser should enter the headquarters’ address as the business address.
Multistate Purchasers: Attach the SSUTA Certificate of Exemption – Multistate Supplemental form and indicate the applicable reason for exemption and identification number (if required) for each of the additional states in which the purchaser wishes to claim exemption from tax.
CAUTION: The exemptions listed are general exemptions most commonly allowed by states. However, each state’s laws governing exemptions are different. Not all of the reasons listed may be valid exemptions in the state in which the exemption is being claimed. In addition, each state has other exemptions that may not be listed on this form. To determine what sales tax exemptions are allowed in a particular state refer to the state’s website or other information available relating to that state’s exemptions.
Seller: The seller is required to maintain proper records of exempt transactions and provide those records to states when requested. These certificates may be provided in paper or electronic format. Exemption certificates must be made available to states in the form it is maintained.
The seller is relieved of the responsibility for collecting and remitting sales tax on the sale(s) for which the purchaser provided the exemption certificate, even if it is ultimately determined that the purchaser improperly claimed an exemption, provided all of the following conditions are met:


We collect sales tax on product purchases (and in some locations, delivery charges) in locations where we have a legal obligation to do so. Those taxes are calculated based on the state and local taxes applicable in the location where the order is being shipped. All taxes will be displayed before completion of your purchase.
Why am I being charged sales tax? Print
Modified on: Wed, 22 Jul, 2020 at 3:46 PM
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What is Chatur Framework?
Chatur Framework is a 5 step investment framework made by Zakaria Khan, Founder of KhanZ Invest. It is based on value investment principles.
The 5 steps of Chatur Framework are designed to simplify the process of finding good quality stocks.
The Chatur Framework aims to help you better control your investment risks and at the same time generate good long term returns.
What are the principles of Chatur Framework?
Chatur Framework is based on value investing principles. In a nutshell, value investing means we strictly evaluate the quantitative matrixes of the business and calculate the intrinsic value of a business and buy its stocks at a cheaper price. Buying stocks cheaper than their intrinsic value is known as the margin of safety.
Our investing framework is not limited to quantitative matrixes, we equally value qualitative measures of a business. Step 4 & Step 5 of the Chatur Investing Framework looks into the qualitative measures of the business.


COVID-19 has created the greatest economic threat to community banking since the Great Recession. Record numbers of loans are on deferral or forbearance status. Some will translate to losses, putting pressure on income, loan loss reserves, and capital. Business customers aided by PPP loans may still fail. Net interest margins continue to shrink while compliance and technology costs continue to grow. Regulatory scrutiny of asset quality and management systems will intensify. Pandemic driven acceleration of remote banking makes large banks and fintechs even more formidable competitors than they already were.
But there are tremendous long term opportunities for community banks and credit unions that can navigate today's unique challenges while simultaneously building for the future. Helping you develop practical strategies and manage change to meet your objectives is what I do.
It's who I am.
"CHANGE IS THE LAW OF LIFE, AND THOSE WHO LOOK ONLY TO THE PAST OR THE PRESENT ARE CERTAIN TO MISS THE FUTURE"
-John F. Kennedy


The revolution is not the #Metaverse but the #TOKENIZATION. The media are parasitizing the fabulous 20-year adventure of the liquefaction of value with this history of Metaverse. Web3 has nothing to do with the issues of a parallel immersive world. Metaverse is a potential application of the #Blockchain protocol but it’s way too early to make money with this pipe dream. As #facebook had to advance its roadmap by 10 years because its Libra could not be released because of the lobbying of American banks, so the press thinks it’s the hype of the moment. WRONG! We are still at the beginning of the exploitation of blockchain, at the same level as the web in 1995. In 5 years, some traditional banks will be bought, saved by the winners of the DEFI (binance, coinbase .), as AOL bought Time Warner in 2000 to the general surprise. It took 35 years for the Web protocol to liquefy the information to lead to its first native application: TIKTOK, the #Web3 is in the process of liquefying the value and we will be at the peak of its exploitation around 2032, it’s only at this moment that we will move to the problem of the virtualization of the user experience.


Herald Square Properties is a fully integrated investment and operating company focused on the Manhattan office market.
Herald Square currently owns or performs asset management services on over one million square feet in Manhattan.
The current portfolio is comprised of Class A and Class B office properties located throughout Manhattan including the Lipstick Building, 292 Madison Avenue, 142 West 36th Street and 234 West 39th Street.
HERALD SQUARE PROPERTIES ACQUIRES 251 WEST
NEW YORK, (May 25, 2016)
30TH STREET WITH MARCIANO INVESTMENT GROUP
Herald Square Properties ("HSP") and Marciano Investment Group ("MIG") have teamed up to purchase 251 West 30th Street, a 16-story, 114,000-square-foot mid-block prewar loft office building with great light and air located in the vibrant Chelsea North submarket ...
> CLICK HERE TO READ ARTICLE


Driving is a valuable skill that provides independence, and convenience, and opens up various opportunities. Attending a driving school is an excellent way to acquire the necessary knowledge and skills to become a confident and responsible driver. If you’re considering enrolling in a driving school in Ringwood, it’s essential to understand the costs involved.
The Importance of Attending Driving School
Before we delve into the cost aspect, let’s first understand why attending driving school is crucial. Driving schools offer structured and comprehensive driver education programs designed to teach both theoretical knowledge and practical skills.
They provide professional guidance and ensure that learners develop a strong foundation in safe driving practices, traffic rules, and road etiquette. Attending driving school increases your chances of passing the driving test and obtaining a driver’s license successfully. Moreover, it enhances your safety and that of others on the road.
Different types of driving test bookings
In Australia, you have several options when it comes to choosing a driving school. The three main types include accredited driving schools, government-funded driving schools, and independent driving instructors. Accredited driving schools are private institutions that offer comprehensive driver education programs.
Government-funded driving schools, on the other hand, provide subsidized or free driving lessons to eligible individuals. Independent driving instructors operate independently and offer personalized driving lessons.
Factors Influencing the cost of driving school
Several factors contribute to the cost of driving school in Melton. It’s essential to consider these factors when planning your budget and selecting a driving school that fits your requirements. The following are the key factors that influence the cost of driving school:
1. Location: The cost of driving school can vary depending on the location. Urban areas tend to have higher prices compared to regional or rural areas due to increased demand and higher living costs.
2. Duration and intensity of the course: Driving schools offer various course options, such as standard courses, intensive courses, and refresher courses. The longer and more intensive the course, the higher the cost is likely to be.
3. Inclusions and additional services: Some driving schools may include additional services in their packages, such as mock driving tests, hazard perception training, or defensive driving techniques. These additional services can impact the overall cost.
4. Reputation and experience of the driving school: Established driving schools with a solid reputation and experienced instructors often charge higher fees. Their expertise and track record of success may justify the higher cost.
Now that we’ve discussed the factors that influence the cost, let’s explore the average cost of driving school in Australia.
Average cost of driving school in Ringwood
The cost of driving school in Ringwood can vary significantly depending on the type of driving school and the location. To give you a general idea, let’s look at the average cost range for different types of driving schools:
Accredited driving schools: The cost of a full driver education program at an accredited driving school typically ranges from $800 to $2000. This includes both theoretical classes and practical driving lessons.
Government-funded driving schools: If you qualify for government-funded driving lessons, the cost can be significantly lower or even free. Eligibility criteria vary, and it’s important to check with your local government or transport authority for more information.
Independent driving instructors: Independent driving instructors usually offer flexible pricing options. The cost per driving lesson can range from $40 to $80, depending on the duration and the instructor’s experience.
It’s important to note that these are average estimates, and the actual cost may vary based on the factors mentioned earlier. Additionally, there may be additional expenses to consider.
Additional expenses to consider
When budgeting for driving school, it’s essential to factor in additional expenses that may arise during the process. These expenses can include:
Learner’s permit fees: Before you can start driving lessons, you’ll need to obtain a learner’s permit. The cost of the permit varies between states and territories, ranging from approximately $25 to $50.
Driving test fees: Once you’ve completed your driving lessons, you’ll need to take a driving test to obtain your driver’s license. The cost of the test varies between $75 and $150, depending on the state or territory.
Learning materials: Some driving schools may provide learning materials as part of their package, while others may charge an additional fee for books, handbooks, or online resources.
Vehicle hire for the driving test: If you don’t have access to a suitable vehicle for the driving test, you may need to hire one from the driving school or a rental service. The cost of vehicle hire can range from $50 to $100.
Considering these additional expenses will help you plan your budget more effectively.
Tips for finding affordable driving school options
If you’re concerned about the cost of driving school, here are some tips to help you find more affordable options:
Research and compare prices: Take the time to research and compare prices from different driving schools in your area. Look for schools that offer transparent pricing and have positive reviews from past students.
Look for discounts and package deals: Some driving schools may offer discounts or package deals that can help you save money. These can include discounted rates for booking multiple lessons or comprehensive packages that include both theory and practical sessions.
Consider group lessons or shared driving time: Some driving schools offer group lessons or shared driving time, where you can split the cost with other learners. This can be a cost-effective option, especially if you’re comfortable learning in a group setting.
By utilizing these tips, you can find a driving school that fits your budget without compromising on the quality of education.
Importance of investing in quality driving education:
Quality driving education provides you with essential skills and knowledge that can benefit you in the long run. Here are a few reasons why investing in quality driving education is crucial:
Long-term benefits and savings: Attending a reputable driving school can provide a reliable foundation in driving skills and road safety, leading to responsible and confident driving and decreasing the potential for accidents and fines down the road. Additionally, learning defensive driving techniques can save you money on insurance premiums by demonstrating your commitment to safe driving practices.
Enhanced safety and confidence on the road: Driving schools focus on teaching defensive driving techniques, hazard perception, and proper road etiquette. These skills go beyond the basic requirements for obtaining a driver’s license. By learning from experienced instructors, you’ll develop the confidence and skills necessary to handle challenging situations on the road, such as adverse weather conditions or unexpected hazards.
Preparation for the driving test: Attending a driving school increases your chances of passing the driving test on your first attempt. Driving instructors are familiar with the requirements and expectations of the test, and they can provide you with valuable guidance and practice to ensure you’re well-prepared. This can save you both time and money by avoiding the need for retakes.
Building a strong foundation for a lifetime of safe driving: The skills and knowledge acquired during driving school become the building blocks of your driving habits for years to come. By investing in quality education, you lay the groundwork for a lifetime of safe and responsible driving. This not only benefits you but also contributes to a safer road environment for everyone.
Driving school costs in Australia vary based on factors like location, school type, duration, and extra services. Accredited schools charge around $800 to $2000 on average, while government-funded options can be more affordable or free for eligible individuals. It’s essential to consider the long-term benefits and savings that come with investing in quality driving education. Prioritize safety, gain confidence, and prepare for the driving test to ensure a lifetime of responsible driving.


Was the financial crisis due to the fact that some banks own private equity firms? No.
In truth, banking losses were caused by bad property loans – and the purchase of this sub-prime debt by other banks and funds in the belief that they were safe. Wall Street was crippled because it was so leveraged and didn’t hold enough high quality, truly liquid capital. AIG insured packages of sub-prime debt through credit default swaps but didn’t set capital aside in case things went wrong.
Obama’s pseudo-remedies completely miss the point.


Decentral Bank is a software framework which allows a network of peers to partake in decentralized banking activity and monetary policy. The network is capable of issuing currency tokens whose purchasing power is maintained through a set of smart contracts included in the system. The mechanisms include but are not limited to the auctioning of bonds and shares and a collateralized reserve system. The Decentral Bank framework contains many of the cryptocurrency industry standard stability mechanisms for stablecoin systems. Users can fork the Decentral Bank software and create stablecoin networks which incorporate various monetary policy functions modeled after real-world banking and economic theories.
Decentral Bank Software is based on EOSIO technology for Turing-complete smart contract functionality, account-based transactions, and Byzantine consensus.
Decentral Bank software is released under the terms of the MIT license. Decentral Bank software is open source and free to use. The "Decentral Bank" repository is not a bank and does not engage in banking activity, transactions, or business. The software is released in an as-is basis and open to all collaborators.
Decentral Bank is built on EOSIO software with each stability mechanism modeled as its own smart contract.
Download the latest EOSIO implementation at https://github.com/EOSIO/eos and follow instructions to set up a local test network (building from source is recommended).
Once a local single-node test network is set up with NODEOS creating blocks on the local machine, run the decentralbank_setup.sh script to begin setting up the decentral bank local network. This will setup the local network by creating the necessary EOSIO accounts, deploying the appropriate smart contracts, beginning price feed and monetary policy, and creating currency tokens.


Sales Administrator (OTC)
Contract Type: Permanent
Hours: Full Time
Ref No: 85
Main focus will be to manage the cash cycle in the business by ensuring that sales order processing and invoicing through to customer cash collection is managed in line with policy and procedure.
- Ideally back office support experience gained in AP, AR or similar
- Experience of working in a fast-moving environment
- Knowledge of Microsoft Office, mainly Excel
- Management of Orders – Processing and amending orders where necessary, ensuring all orders are processed and dispatched within the given time frame. Ensure that delivery of product into customers is scheduled efficiently.
- Pre-Sale Enquiries – Using product and company knowledge to answer any customer enquiries.
- Invoicing- Completing and submitting invoices for accounts.
- After-Sales Enquiries – Resolving any product or delivery problems with customers to ensure payment on terms.
- System Administration – Submitting product information into various third-party systems.
- Cash Allocation – Ensuring customer remittances are allocated accurately and on time.
- Demonstrate a strong awareness of and commitment to Ethics and Compliance and the DCC Group Code of Conduct.
Key Internal Relationships
- Head of Channels
- Wider Finance team
- Account Managers
- Operations team
- Purchasing team
Key External relationships
- Customer AP teams
- Customer Supply Chain teams
- Logistics providers


Registered Name: Vines Limited
Company Registered Number: 1849408
Place of Registration: England and Wales
Registered Office Address: Vines House, Slyfield Green, Guildford, GU1 1RD
VAT Number: 529018646
Email Address: email@example.com
FCA Status Disclosure:
Vines Limited is authorised and regulated by the Financial Conduct Authority for its regulated consumer credit activities. Ref No. 664887.
Vines Limited is an appointed representative of BMW Financial Services (GB) Limited, which is authorised and regulated by the Financial Conduct Authority, for its general insurance mediation activities. Ref No. 466340.
Vines Limited Gender Pay Gap Report for 2017 link: Gender Pay Gap Report 2017


Budget calculations in project management:
- Cost Baseline: This is the approved version of the project’s budget and is used to measure and monitor project performance.
- Budget at Completion (BAC): The total budget for the project, including all planned costs for the project.
- Actual Cost (AC): The total cost incurred for the project to date.
- Earned Value (EV): The value of the work completed to date, measured in terms of the budget.
- Planned Value (PV): The budgeted cost for the work planned to be completed at a given point in time.
- Schedule Variance (SV): The difference between the planned value and the earned value of the project.
- Cost Variance (CV): The difference between the planned cost and the actual cost of the project.
- Cost Performance Index (CPI): A measure of how effectively project costs are being controlled, calculated as the ratio of the earned value to the actual cost.
- Schedule Performance Index (SPI): A measure of how effectively project schedule is being controlled, calculated as the ratio of the earned value to the planned value.
- Estimate at Completion (EAC): An estimate of the total cost of the project at its completion, calculated using various methods depending on the project’s performance.
- Variance at Completion (VAC): The difference between the budget at completion and the estimate at completion.
Budget at Completion (BAC)
The Budget at Completion (BAC) is the total budget for a project, including all planned costs. To calculate BAC, you would add up all of the costs that are expected to be incurred during the project, including direct costs (e.g. labor, materials, equipment) and indirect costs (e.g. overhead, contingencies).
- BAC = Direct costs + Indirect costs + Contingency costs
- Direct costs = sum of all costs that can be directly attributed to the project (e.g. labor, materials, equipment)
- Indirect costs = costs that cannot be directly attributed to the project (e.g. overhead, contingencies)
- Contingency costs = additional costs that may be incurred to deal with unforeseen events or risks.
It’s important to note that BAC is an estimation and not a fixed number, it can change during project execution due to any scope changes or unforeseen events.


According to the recent report published by IDC this week, worldwide server market revenues decreased 4.8 percent year-over-year in Q2 2012. This is the third consecutive quarter of year-over-year revenue declines for the server market. The market is "working its way through a number of technology transitions impacting customer demand for x86, Unix and mainframe-class systems," said Matt Eastwood, group vice president and general manager for enterprise platforms at IDC, in a released statement. "Economic uncertainty is weighing on the market and the sales cycle is lengthening."
Unix hosting servers and non-x86 servers had the poorest showing this quarter. Unix hosting server revenue declined 20.3 percent year over year. Non-x86 server revenue declined 19.4 percent year over year. However, bladed hosting servers and Linux dedicated servers saw improved demand. IDC attributes the increase of Linux hardware revenue (a 1.7 percent year-over-year gain) to the growing demands of high-performance computing and cloud infrastructure deployments. Bladed server factory revenue was up 6.3 percent year over year, as were bladed server shipment numbers (up 4.1 percent from Q2 2011).
Hewlett-Packard Co. and IBM Corp. shared the No. 1 spot for factory revenue share this quarter, although both companies saw year-over-year factory revenue declines (of 5 percent and 8.2 percent, respectively). Dell Inc. took third place in factory revenue share, helped by a 5.9 percent revenue increase compared with Q2 2011.


Scholarship and Bursary Information
There are several sources available to look for scholarships and bursaries:
1 The District School Board of Niagara website:
click on Student and then click on Scholarships/Awards
There will be a listing of scholarships available for all Grade 12 students to apply to. See if you qualify by clicking on the link and check the criteria. Make sure you include all of the required documents.
There are NO limits of how many you can apply to.
Ask Mr Connor or Mrs Carthew if you need help!
2 Sign up for the following free websites:
These websites are designed to email you with possible scholarships that you would qualify for based on the information you put in.
3 Check out the RCBHS guidance twitter page here
4 Check out the SCHOLARSHIP/BURSARY website of the school(s) that you will be applying to. There are also many opportunities for students to apply and get help financing their education.
Here is the eInfo scholarships page
5 When you have confirmed which school/program you will be taking, remember to apply to the Ontario Student Assistance Program (O.S.A.P.). Click OSAP to apply.
You will need a Social Insurance Number and the tax information from the previous year.
Search up all possible categories that could fit you, your course, the school you're applying to, your heritage, where your parents / guardians work and so on........


As Property Accountant, you will be responsible the financial reporting for all assigned properties with emphasis on account analysis, journal entries, and bank reconciliations in accordance with modified accrual basis of accounting.
- Cash Management
• Monitor properties cash position on a daily basis.
• Reconcile monthly bank and mortgage statements for cash and escrow accounts.
• Review and approve tenant billings, chargebacks, and any other necessary adjustments.
• Confirm cash receipts on all tenants who pay their rent and CAM via ACH.
- Cash Disbursements
• Review invoices for proper account coding and approval.
• Approve invoices for payment based on property cash flow.
• Ensure all mortgages, real estate tax bills, insurance bills, and ground lease payments are paid timely.
• Assist the Asset Manager in processing quarterly distributions.
- Budgets/Operating Expenses
• Assist Property Managers in the preparation of the annual property budget.
• Create reforecast budgets for all assigned properties.
• When applicable, calculate allowable gross-up numbers for the budgets.
• Load budget detail into Kardin/Yardi.
- Other / Miscellaneous
• Record refinances, sales, and casualties.
• Close the month and the year in Yardi.
• Record the necessary reclassification entry of PY net income/loss as part of the year end close.
• Assist with year-end reconciliations for tax return purposes
• End of year tax entries
• Assist with other duties as assigned.
This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to work as a team and follow any other job related instructions and to perform any other requested job-related duties. Team members are expected to perform these duties with an enthusiastic attitude and to assist wherever necessary to accomplish the Company’s overall goals.
The ideal candidate will possess:
- Minimum 3 years of experience in real estate related activities
- Bachelor’s degree in accounting
- Experience with Excel require
- Experience with Yardi and Kardin preferred


Founded in 1968, the Plano Music Teachers Association promotes the art of music and the advancement of musical knowledge through musical activities and the appreciation of music.
We are affiliated with the Music Teachers National Association and the Texas Music Teachers Association.
Policies for members:
Refund Policy: PMTA accepts credit cards from members in payment for fees associated with student festivals, recitals, theory tests, and teacher membership and other services provided by the organization. We do not provide refunds.
Privace Policy: Member information is collected in order to assist with the operation of the association. We do not disclose your personal information without your explicit consent. We do not store credit card information on our servers.
Terms and Conditions: Fees are set by the board of the association. Members are informed annually regarding fees for all events and services.


Psychotherapy Payment Options
Individual psychotherapy sessions with an LCSW are fifty minutes and are billed at $190 for an intake session and $150 for subsequent visits. Integrative Psychological Consultants, LLC currently accepts the following insurance:
- Anthem/Blue Cross Blue Shield
- Anthem EAP/Unicare
- The Alliance
- FEI (Employee Assistance Program for state employees)
Out-of-pocket (not submitted to insurance) payments received in full at the time of service are eligible for a 20% discount. Sliding fee scales are available for qualified patients who can demonstrate financial need determined by income and benefit eligibility.
Cash, checks and all major credit cards are accepted.
Did you know that many insurance providers will reimburse some portion of psychotherapy services provided by clinicians outside of their coverage network? If you are interested in this option, contact your insurance provider to determine if you are eligible to receive some coverage while working with one of our out-of-network providers.


Did you know that as a tourist shopping in a foreign country you can get a refund on the sales tax or VAT (Value Added Tax) on your purchases when you leave the country?
You can. With a minimum total purchase, often equivalent to about USD$100, made at a “tax-free” or “tourist” shop, and a form provided by the shop, many countries will refund you the amount of tax paid.
Find out what the minimum purchase amount is in the country you are in by checking guide books or on the Internet before going. We recommend checking before you travel so you can be prepared for the process. It can be a bit of a process. Some places have rules and regulations that will make your head spin, so make sure you know what the rules are before you leave home.
As you are shopping, if you decide you want to make a big ticket purchase, check the front windows, door, and exterior of the shop as well as around the pay counter for a sign that indicates this shop is a VAT Refund qualified and designated shop. Some countries feature a Tax Free Shopping sign.
We recommend you carry a distinctive colored envelope in your pack or purse to store the paperwork you will get with each purchase. Keep it with you. Write the following information on the envelope, especially if you cannot keep your passport with you after your arrival in the country (some hotels are required to keep it for you), or you choose to leave it in the hotel’s safe deposit box.
- Your passport number
- Passport issue location
- Passport issue and expiration dates
Always carry two pens with you for taking notes as well as filling in the forms.
Fill in all the blanks in the form. When asked if you would like a refund by mail (check), credit card, or cash, choose cash or credit card for speed and security. If you choose check or cash, upon your arrival at the airport for departure, before going to the ticket counter check with an official on how to handle the refund. Different countries and airports have different procedures.
We don’t offer this tip lightly. In the United States, the average sales tax on purchases is around 10% of the total purchase price. In Israel, it’s 18%. Belgim is 21%. Sweden is 25%. Italy is 20%. That adds up to a LOT of money that you can get back before leaving the country.
And enjoy the savings on your trip! There’s a helpful article on Frommers about VAT Refunds, also. For more information, check with the main corporations behind international sales tax refunds in the EU at Global Refund and Premier Tax Free


There are some people that worry about lots of things and finance could be one of them. There are others that specifically worry about their finances as they are not happy about their situation. There are things though, which can be done which will help with this and it is good to have an understanding of what your options are, so that you will be able to find one that will suit you. It is good to try to work on your finances so that you have less or no reason to worry about them as well as using methods to help you to sleep better generally.
Improving your finances
Obviously, what you need to do to improve your finances will very much depend on what is causing you concern. It might be that you are worried about having enough money for retirement, repaying a loan, covering your bills, affording your children’s university costs, or other things. There are all sorts of things that could potentially be a problem. Identifying exactly what the concern is will be the best place to start. Hopefully you will be able to do this, but sometimes it is not that easy. However, a more general approach to improving your finances could work in this case.
It is always wise to make sure that you are in good control of your finances. This means that you want to ensure that you can easily manage to afford everything that you need and that you do not have too many loans, particularly expensive one or ones that you are struggling to manage, that you have some savings behind you and are feeling confident about your retirement. If you are on top of all of these things then you should not have anything to concern you. However, if you are not, then it is very possible that you will have concerns.
It is worth carefully going through your finances to get some information together. Work out exactly what you owe, to who and what interest you are paying on your payday loans for bad credit. Work out what savings you have and investments and what interest or return you are getting on those. Find out the income you get each month and how much you spend on both necessary things and luxuries. Also look into what retirement provision you have both from the government and through any other pension schemes or things like that.
Getting all this information can possibly be terrifying as you may find that things are even worse than you imagined but you are just as likely to find that it is better than you thought. You will not be able to try to make your situation better though, unless you know exactly where you are starting. At this point you will now be able to see what you might be able to do.
It could be possible that savings and investments that are not doing well could be used to repay expensive loans. You may also decide to use a portion of your income to repay loans as well. This might mean just using a small amount each month to slowly whittle away the debt. If you have no loans you might want to start paying some into a savings account, investing some or starting up a pension. It can be quite a hard decision, but even if you are only doing a little bit, it is much better than doing nothing.
Of course, you will need extra money to be able to do this and so you will need to make changes. It is wise to not only be careful with what you are spending and prioritise carefully, but also to see whether you can earn more. This will make a big impact on your financial situation and as long as you make sure that you are using that extra money wisely, it should have a positive impact on how you feel about your financial situation.
Hopefully getting your finances in better order and having a plan for the future should help you to stop worrying so much and to sleep better. However, it could be that you will need to do a bit more to help your sleep. Make sure that you have a good sleep routine, that you wind down before bed without electronics, that you have a comfortable place to sleep and that you exercise in the day so that you are tired at night. If you still struggle then trying meditation or other relaxation methods could be useful. You may also find there are books or online resources that will give you lots of information about things that you could try to help. Often many things, such as getting into a routine or doing meditation are free as well, which can be great as if you are trying to improve your financial situation you do not want to have to pay out more money. It is best to see a GP if you are really struggling as they may be able to direct towards professional help.


Tax Credits and Funding
Co-operative Education Tax Credit
These are intended as guidelines only and are not intended to replace the current tax legislation.
- The Co-operative Education Tax Credit (CETC) is a refundable tax credit available to eligible businesses that employ post-secondary students enrolled in qualifying co-operative education programs at eligible educational institutions.
- In Ontario, the Co-operative Education Tax Credit allows you to deduct 25% - 30% of salaries, wages, and benefits to a maximum of $3,000 for each qualifying work term (4 months).
An eligible employer includes all corporations or unincorporated businesses with permanent establishments in Ontario subject to Ontario corporate income tax or Ontario personal income tax. Members of a partnership may share the CETC for each qualifying work placement. Limited partners are not entitled to this credit; however, the general partners of a limited partnership are entitled to share the credit.


WHY NOT TAKE ADVANTAGE OF THE GOVERNMENTS STAMP DUTY HOLIDAY
On the 8th July the Government announced a temporary holiday on stamp duty until 31st March 2021.
This will save buyers as much as £15,000 if they are buying a property of £500,000 or more.
There will be no stamp duty to pay on homes up to £500,000.
For homes over £500,000 stamp duty will only be paid on the amount over the £500,000 threshold.


You’ve decided it’s time to buy your new home and you need to start saving for a down payment. The following five tips will help you get on the right track:
1. Make sure your priorities are straight.
Paying your rent should always be your first priority. Paying down credit card debt should be next.
2. Automate saving money.
Determine how much you can save based on your current expenses. Once you determine the amount, automatically put it into your savings account. Record the savings each month as an expense. Look at it as a bill that needs to be paid.
3. Look for money-making opportunities.
Take a look around your home for unneeded items to sell online or in a yard sale. Or, turn your hobby into a part-time, money-making enterprise. You would be surprised at how quickly small proceeds accumulate.
4. Keep track of your daily expenses.
By tracking your daily expenses, you will be able to see what you can cut back or cut out. For example, if you have free coffee at work, do you need to stop at the coffee shop every morning? Also, try paying with cash instead of using your debit or credit card. Studies have shown that people tend to spend 15 to 20% less when they pay with cash.
5. Reduce your household expenses.
There are many ways to cut back on your household expenses that will help you save for a down payment more quickly. Just switching to cold water when washing clothes will save up to 90% of the energy expended in the washing cycle. Turning your hot water temperature down to 120 degrees will also help you save money.
Implementing any of these tips can make a real difference in how quickly you can save for your new home. For more tips and help with purchasing your new home, contact us Ameri-Star Homes at 410-590-1000.


My husband and I planning to get another car for the family. We have a mini-SUV car already but with the never ending going up prices of gasoline we’re deciding to buy a smaller car this time. According to my husband, small car means small consumption of gasoline specially if we will use it as our everyday commuting car going to our work of place. We will just use our mini-SUV during weekends and for our long trip vacations. Without a doubt, I’m giving all my faith and trust to my hubby when the topic is about cars. However, he’s giving me the freedom to choose the car I want.
While searching for some used cars online, Google brought me to Auto USA. A Dallas-based user car dealer with over 50 solid years of serving the residents of Dallas/Fort Worth area. My husband and I browsed through their inventories and we’re actually surprised when we saw some of the cars that are on our list of choices.
My only worries when buying a second hand vehicle is the history of the car. Who used it, how it was used and what were the maintenance done on it. Good thing Auto USA Texas has what they call AutoCheck – an history report on every vehicle. For peace of mind, it is much better if you can have the vehicle inspected for mechanical faults by an expert. Bring a friend if you can!
If you are buying on a credit, AutoUSA offers financing options. In fact,they can finance individuals with damaged credit! And they’ve been doing this for the past 50 years helping their clients in securing used car financing, with history of bad credit or not. It’s mentioned in their website their in-house financing is available to those who are based in Dallas/Fort Worth area. By all means, those who prefer to pay in cash and other ways of financing are very much welcome to buy from them. Better visit their branches to check your options.
AutoUsa has used cars Irving, TX branch. If you are within the area, you can find their office at 1316 East Irving Blvd.


The COVID-19 pandemic has been an unprecedented global event that has shaken economies and societies to their core. Beyond the immediate health crisis, the pandemic triggered a profound transformation in consumer behavior, reshaping how people spend, save, and invest their money. With lockdowns, social distancing measures, and economic uncertainties becoming the new norm, consumers rapidly adapted to a new way of life, leading to drastic changes in their purchasing patterns and preferences.
Shifts in Spending Patterns
Surge in Demand for Essential Goods and Services
The outbreak of the COVID-19 pandemic brought about an unprecedented surge in demand for essential goods and services. As the virus spread and governments imposed lockdowns and restrictions, consumers rushed to stock up on groceries, household essentials, and healthcare products. Panic-buying led to temporary shortages of certain items, highlighting the significance of these products in our daily lives. Moreover, the increased focus on health and hygiene during the pandemic resulted in a rise in demand for personal protective equipment (PPE) and sanitization products. This shift in spending not only impacted consumer behavior but also placed immense pressure on supply chains to adapt to the sudden changes.
Decline in Non-Essential Spending
Conversely, the pandemic saw a significant decline in non-essential spending as travel plans were canceled, leisure activities were restricted, and consumers tightened their belts amid financial uncertainties. Luxury items, such as high-end fashion and accessories, experienced a sharp decrease in demand as people prioritized saving over indulgence. Restaurants, bars, and entertainment venues suffered as people practiced social distancing and opted for home-cooked meals and online entertainment. This shift in spending had a profound effect on industries that heavily relied on discretionary income, leading to temporary closures and job losses in certain sectors.
The Reshaping of Retail
Challenges Faced by Brick-and-Mortar Retailers and Their Responses
The COVID-19 pandemic delivered a harsh blow to brick-and-mortar retailers, forcing them to confront unprecedented challenges. With widespread lockdowns and social distancing measures, foot traffic in physical stores plummeted, leading to a sharp decline in sales. Many retailers faced the difficult decision of temporarily closing their doors to safeguard public health, which further impacted their revenue streams. However, amidst these challenges, resilient retailers adapted to the situation by swiftly embracing e-commerce solutions, offering online ordering, and implementing contactless pickup options. Some even diversified their product offerings to cater to the new demands arising from the pandemic. Though the road to recovery has been arduous, these responses have proven essential for brick-and-mortar retailers to remain connected to their customers and navigate the changing retail landscape.
Surge in Popularity of Contactless Payments and the Decline of Cash Transactions
The fear of virus transmission through physical contact prompted a remarkable surge in the popularity of contactless payments during the pandemic. Customers sought safer alternatives to cash transactions, and retailers swiftly responded by adopting contactless payment options. Whether through tap-and-go credit cards or mobile payment apps, contactless transactions provided a hygienic and efficient shopping experience. As a result, the use of cash significantly declined, with many establishments encouraging electronic payments. This shift not only accelerated the digitalization of retail but also signaled a potential long-term transformation in the way consumers handle transactions, ushering in a new era of seamless and secure payment methods.
The Emotional Aspect of Consumer Behavior
Psychological Factors Influencing Consumer Behavior During the Pandemic
The COVID-19 pandemic triggered a whirlwind of emotions across the globe, and these emotions significantly influenced consumer behavior. As people grappled with fear, uncertainty, and stress, their buying decisions were shaped by a complex web of psychological factors. One such factor was the need for a sense of control amid chaotic circumstances. Consumers sought products and services that provided a feeling of security and stability, leading to increased demand for essential items and health-related products. Moreover, the psychological phenomenon of social proof played a crucial role in consumer behavior during the pandemic. The fear of missing out and the desire to conform to societal norms drove people to make certain purchases, such as stockpiling goods or investing in trending products. Understanding these underlying psychological factors allowed businesses to tailor their marketing strategies and offerings to resonate with consumers on a deeper level.
How Fear, Uncertainty, and Changing Priorities Affected Buying Decisions
Fear of the unknown and uncertainties about the future profoundly impacted consumer buying decisions during the pandemic. The fear of contracting the virus led consumers to prioritize health and hygiene, resulting in a surge in demand for masks, sanitizers, and health supplements. Uncertainty surrounding job security and financial stability led to a more cautious approach towards spending, with consumers cutting back on non-essential purchases. Additionally, changing priorities became evident as consumers reassessed their values and lifestyles. Sustainability, community support, and ethical considerations gained prominence in buying decisions, prompting brands to align with these evolving consumer values. Acknowledging and empathizing with consumers’ emotions and shifting priorities became essential for businesses aiming to remain relevant and build lasting connections.


Life Insurance in and around Lock Haven
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SCOTTISH Renewables says the next Holyrood government must work to ensure the wind power industry can to remain competitive after the initial auction price for offshore development leases skyrocketed by up to ten times the original estimates.
The rise in costs could deliver an unexpected windfall of millions of pounds more income for public funds, but raises other questions over what it means for developers who were ready to bid and ultimately customer pricing.
Crown Estates Scotland, which managed leasing of seabeds, had been ready to lease 15 of them at around £10,000 per square kilometer with a clutch of developers ready with their bids until the process was paused a month ago.
But it has been extended and the potential price increased to a top tier of £100,000 per square kilometer after a surge in pricing for a similar process in waters off England and Wales which will realise close to £900m a year for Crown Estates over the next decade.
The open auction there saw BP and other bidders pay well above what had been anticipated in their own drive for new revenue streams as they slowly begin to pivot from fossil fuels under pressure from environmental groups, politicians and shareholders.
That in turn saw Crown Estates Scotland pause their own process fearing it could lead to them missing out on potentially hundreds of millions of pounds in potential revenue.
Today it was announced the auction has been re-opened, but with the new pricing parameters and other changes around supply chain commitments (which rise from 10% to 25%) in place for the 8600km2 available.
The original process opened on January 15 and was supposed to end on March 31. A new closing date has been set for July 16 with updates on the scheme at the end of next month.
Claire Mack, CEO of Scottish Renewables which is currently hosting its annual conference, said it would be up to members to decide whether they thought the new price is one worth paying to safeguard jobs and achieve net zero targets.
She said: “The importance of the ScotWind Leasing process to the delivery of an offshore wind industry which can support thousands of jobs and our net-zero target should not be underestimated.
“Industry always understood the reasons for this delay and we are pleased that Crown Estate Scotland has delivered these changes within a matter of weeks, keeping the process on track for the majority of Scottish Renewables members who have already spent thousands of hours and millions of pounds getting ready to bid for the seabed leases they need to build their projects.
“It is now for those individual developers to decide if the new price of these leases reflects their assessment of the value of the contracts which they will need to secure from the UK Government.”
She added: “Scottish Renewables and its members are already working to increase the competitiveness of supply chain businesses.
“We will continue to work with Crown Estate Scotland and the next Scottish Government to ensure that support for the supply chain is strategically focussed in a way that enhances the competitiveness of the widest-possible range of businesses, based on evidence provided by a number of ongoing assessments, not least through the Scottish Offshore Wind Energy Council, in which industry, government and its agencies play an increasingly-important role.”
Renewable energy, and wind in particular, are seen as key drivers for a green new deal and economic recovery, already supporting more than 25,000 jobs with hopes that this could at least triple in just a few years, particularly in areas facing rising unemployment owing to geography.
Option fees are paid by successful applicants to Crown Estate Scotland in exchange for securing the rights to areas of seabed that have been identified as suitable for development in Marine Scotland’s Sectoral Marine Plan.
Funds will be returned to the Scottish Government for public spending to drive the green recovery and help deliver government priorities.
AT A GLANCE
- ScotWind Leasing will keep the same basic pricing structure for option agreements.
- The previous maximum fee that might be paid was £10,000 per km2 of seabed. This will now be increased to a maximum of £100,000 per km2.
- The threshold of Supply Chain Development Statement commitments that applicants must meet to request a lease has been increased from 10% to 25%.
- Further change of control provisions will apply to resale of options awarded.
- Additional technical information will be published by the end of April to allow registered applicants to progress their interest in ScotWind Leasing.
- The Closing Date for applications will be 16 July 2021.
Announcing the changes Amanda Bryan, Chair of Crown Estate Scotland, said: “This rapid review was undertaken to reflect the recent changes we have seen in the UK offshore wind market so that we could arrive at a pricing structure which properly reflects those changes.
“Throughout the development of ScotWind Leasing we have sought to secure best value for communities and help place Scotland as a competitive destination for the investment needed to turn potential projects in to reality.
“This review achieves both of these goals.
“We look forward to working with the offshore wind sector to realise the benefits of offshore wind for Scotland’s communities and for the environment.”
Cabinet Secretary for Environment, Climate Change and Land Reform, Roseanna Cunningham, said she was grateful for the changes being implemented quickly.
She said: “The Scottish Government’s climate change plan requires a zero carbon electricity system by 2030 – maximising offshore wind’s contribution will be vital to achieving this and therefore is a key priority for this government.
“ScotWind will support the continuing growth and expansion of this technology, harnessing this huge resource for our energy system and helping to unlock significant investment in the supply chain to create more green jobs across the sector, while seeking to achieve a fair value for Scotland’s assets.
“We know how keen the industry are to start developing and delivering projects, which is why I thank Crown Estate Scotland for undertaking this rapid review of pricing options and setting out their next steps in a timely manner which enables the developers to move forward.”
Minister for Energy, Connectivity and the Islands, Paul Wheelhouse, said the process could lead to Scotland delivering a “world leading” industry, particularly around floating offshire capabilities.
He said: “The ScotWind leasing round is critical to the delivery of a strong and vibrant offshore wind sector in Scotland that can be world-leading, particularly in the delivery of floating offshore wind technology.
“Scotland is uniquely placed to capitalise on this technology and grow an industry that not only provides electricity, but facilitates the growth of a hydrogen economy as well.
“Today’s announcement from Crown Estate Scotland balances the increasing value and demand for Scottish seabed with the need to secure a strong offshore wind supply chain which can power our green recovery from COVID-19 and help us meet our net zero target. I thank Crown Estate Scotland for completing their rapid review and look forward to the timely resumption of the ScotWind process.”
The auction sites include areas around Islay, Shetland, Orkney, Lewis, Moray and larger sites that lie off the Angus and Aberdeenshire coasts.


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If you work as an employee and have irregular income, you may think that our options for getting loans for freelancers are very small. However, Green-Touch for business loans will allow us to obtain financing.
What financing products for the self-employed exist?
People who work on their own account have it more complicated to obtain financing , since their income is somewhat more unstable than those of employees or pensioners, for example. However, we must bear in mind that if we already have a professional career as self-employed, it will probably be easier for us to be granted capital. On the other hand, if we are new entrepreneurs, it will be necessary for us to have a great idea that is profitable, viable and attractive to get them to finance us.
However, we have several options to obtain extra liquidity, since the supply of business loans for this sector of the population has grown a lot during the last years. Currently, these are the products that we can contract if we need to finance a particular project or our business in its entirety:
Financing for self-employed personal projects
- Mini online loans : with these products we can get money amounts of around 1,000 euros (in some cases, even exceed them reaching 1,200 euros) in a matter of minutes and with a refund period of 30 days in a single share. They have an average price of 1.1% daily. They are designed to solve unforeseen events and we can access them even if we do not have a payroll.
- Personal loans for projects : if we need liquidity to finance a particular project, we can request this type of products that will allow us to finance the good or service that we want. The granting of the money will depend on the income we receive, that is, that they are sufficient, justifiable and regular.
- P2P Loans : it is one of the most innovative means of financing and we can request them both to finance our business and to obtain money at a particular level. These are virtual platforms that put users in contact with financing, with people who are willing to invest to make their savings profitable. First, the person seeking funding publishes his project and the amount he needs. Then, the platform analyzes its situation and determines a level of risk that will translate into interest, that is, a higher level of risk, plus interest. Finally, investors will decide if they want to invest in our project or not.
Each of these types of loans have different characteristics and have been designed for different purposes, so it is convenient to compare the different offers and conditions to request the one that best meets our needs and adapts to our situation.
Liquidity to invest or pay business bills
- Lines of credit for self-employed workers : these are loans created with the specific purpose of financing small businesses. We can find these products both in private equity companies, as in banks, although these will require us to comply with more rigid requirements.
- Loans for self-employed workers and SMEs: these are products designed to invest money in a business project and we can request them from public institutions and banks.
- Credits with mortgage guarantee : these are loans with which we can get very large amounts of money (depending on the assessment made of our home) and that do not require us to justify the purpose for which we want to use it. However, before applying for one of these loans, it is important that we are aware of the risk to which we expose ourselves in case of default.
Depending on the amount of money we need, our profile and the situation in which we find ourselves, we will need to request a type of financing for self-employed or another. It is important that before requesting a product or another, we make sure that we meet the necessary requirements and that we will be able to fulfill the conditions to which we commit ourselves.
Credit requirements for self-employed workers
If we want to obtain financing for self-employed workers, the requirements that will be demanded will vary depending on the entity and the type of loan we request. If we go to banks, generally, we will submit to stricter conditions. In general, these will be the demands that we will have to meet to get money if we are autonomous:
- Being of age : being 18 years old will be essential, although in some cases we may be required to have 21 or even 25 years to access the financing if we work on our own.
- Live in Spain permanently: it will be necessary to prove that we reside in the country by presenting the DNI, NIE or passport.
- Enjoy a reasonable, sufficient and justifiable income: they will pay close attention to this requirement since when working on their own we do not have the same stability as if we received a monthly payroll. For this reason, we will have to justify by means of an official document that our compensation amounts to a sufficient amount for the entity and that we receive them constantly.
- Not be registered in any default file: if we are part of a delinquency list, such as ASNEF or RAI, our options to obtain financing for self-employed workers will be considerably reduced.
If we decide to apply for financing for self-employed people in a bank, we will probably be required to contract related products and have Social Security domiciled in the entity. In addition, the requirements that will require us will be stricter and we probably have to invest time in paperwork and travel , but if we are old customers and have a good track record, surely, we can benefit from several advantages such as a lower interest rate, more flexibility in the terms of return or the absence of commissions or links.
Documents to hire financing being autonomous
At the moment of borrowing money we will have to fill in a form with our personal and economic data. So that the entity can verify the information that we have sent to it, it will ask us to attach certain documents. Most companies and banks will require us to present the following documents if we work for someone else:
- A photocopy of our identity document NIE, NIF or passport
- Photocopy of the declaration of the rent and our patrimony
- Photocopy of our registration number as self-employed
- A proof of the income we receive
- A document showing the seniority of our company
- The last payment we made to Social Security
Before sending the documentation, it is essential that we make sure that the documents are perfectly legible and not wrinkled. Otherwise, the financial institution will ask us to resubmit the papers, which would considerably slow down the entire process.
If we go to a bank and we are already customers, we can also take advantage of certain advantages, for example, we can avoid sending as much documentation and we will lighten the application process. In the case of private entities, many of them include services such as Instantor, which will allow us to validate our data automatically and instantly.


According to the World Bank, B2B payments in Sub-Saharan Africa represents a $1.5 trillion market. However, the process of making and receiving payment remains largely manual, which makes it expensive and highly inefficient for businesses. Invoices are also not standardised and they are typically issued and received manually, which increases the administrative burden on business owners, taking more time and effort that can be invested into their businesses.
A recent report from Duplo which included the surveyed opinions of more than 1,000 business owners from Kenya, Nigeria, South Africa and Egypt also highlighted that 44 percent of businesses still have to wait more than 24 hours to receive payments from business customers and partners. 34 percent take up to 7 days to receive payments, 17 percent take up to 30 days and 3 percent take more than 30 days to receive business payments. This presents a significant challenge for businesses who are often unable to maximise sales and growth opportunities available to them due to cash flow restrictions induced by complex payment processes.
This presentation will explore:
- An in-depth review of the current state of B2B payments in Africa
-- Payment methods and processes across countries and sectors
- Beyond digitisation, what do African businesses need to improve their payment processes
- A case study of the impact Duplo is having on B2B payments in Africa


Payment must be made in advance of your visit. Full details on payment requirements will be sent to you with your booking letter or can be found in the Terms and Conditions
The Canterbury Tales accepts cash and cheques (in sterling), Switch, Mastercard and Visa. For regular customers, payment can be made direct via BACS if arrangements are made in advance.
Cheques should be made payable to Heritage Projects (Canterbury) Limited. Credit and voucher facilities are only accepted when a written agreements is established in advance of your visit.


Landmark ECB Funding deal
The England and Wales Cricket Board (ECB) is this year ploughing a massive £460,000 of support into the Institute of Groundsmanship (IOG) to co-fund a Fine Turf Project Manager and a major joint research programme.
This substantial cash injection reflects how the IOG is increasingly being recognised by cricket grounds managers as the first port of call for fine turf technical help and advice.
In addition, because the financial backing for the research project has been made with support from ECB/Sport England, the IOG has now taken another substantial step forward in achieving the Training and Education targets laid down in its Challenging Perceptions strategic plan. This outlined the IOG’s intention to invest, with partners, at least £500,000 over the next six years via its 2012 Fund.
The Fund – which will be targeted at projects that have the potential to benefit individual grounds managers, the wider industry and lead to better quality playing surfaces – will include this ECB and Sport England project, which has yet to be defined.
Commenting on the announcement, Bruce Cruse, ECB Facilities & Funding Manager, said:
“The ECB contribution towards the appointment of an IOG FineTurf Project Manager formally recognises the natural role that is being played by the IOG in providing help and advice to an increasing number of cricket grounds professionals and volunteers. The cash will ensure this function is resourced correctly and continues to provide a much-needed and highly professional service for this growing area of IOG membership.
“The £40,000 being provided with support from Sport England will help towards a major research project which will have lasting benefits for the quality of cricket grounds and, therefore, it will contribute greatly towards improved standards throughout the sport.”
Geoff Webb, IOG chief executive, said: “Our excellent ongoing relationship with the ECB has been further endorsed by these generous co-operative gestures, and I am pleased to see that we are already starting to reach some of the signposts laid down last year by our Challenging Perceptions strategy.”


Tax-wise Ways to Give to Chamber Music Hawaii
Make a Gift at Reduced Cost with Appreciated Securities
If you have stock or mutual funds that you have owned for more than one year, that pay you little or nothing, but are worth more than you paid for them, contributing some of these securities to CMH may help you save on your taxes with little impact on your current income. Giving appreciated securities directly to charities instead of cash can result in a double tax benefit that reduces the cost of your gift:
- a federal income tax deduction for the full fair market value, if you itemize deductions
- no tax owed on the capital gain you would pay if you sold them
If you like, you can use the cash you would have donated to repurchase the securities and enjoy a higher cost basis.
To make a gift of securities, please have your broker contact Audra Stevenson at Merrill Lynch at 808-525-7302 for instructions.
Giving from an IRA
If you are 70½ or older and have an individual retirement account (IRA), you have to take a required minimum distribution from the account every year, which is taxable income to you. Alternatively, you can authorize charitable gifts directly from your IRA to one or more charities, like CMH, and have those charitable gifts count as part of your required minimum distribution, but not as taxable income to you. This is a very tax-wise way to make your charitable contributions, especially if you don’t itemize deductions on your tax return.
The annual limit for an individual to give to charities in this way is $100,000. These charitable distributions must go directly from your IRA to the charities. If you withdraw the funds yourself and donate them, they will count as income to you and could increase your taxes. Therefore, please ask your account administrator to send your contributions directly to the charities you wish to support.
For CMH the address is: General Manager, Chamber Music Hawaii, P.O. Box 61939, Honolulu, HI 96839.
Thank you very much for considering support for CMH!
This information is not intended as tax or financial advice. We recommend that you always discuss charitable gifts with your advisors to help you decide what is best for you.


Questa Energy Corporation is continually developing oil and gas projects primarily in the Mid- Continent region. Questa retains a substantial equity position in most projects, and the remaining interests are offered to knowledgeable investors and industry participants. A typical project is developed by securing acreage based on specific geologic conditions. A prospectus can be created once the acreage is secured. The prospectus may include a geologic, land, and engineering summary, geologic and land maps, an estimate of costs in the form of an Authority for Expenditure (AFE), a participation agreement and joint operating agreement (JOA).
Exploration efforts are concentrated in niche areas where we can utilize our local knowledge and expertise. Projects range from horizontal drilling and aquisition programs in the Texas Panhandle and Oklahoma to vertical drilling programs in Western Kansas. Questa minimizes its drilling risk in its Western Kansas drilling programs by utilizing 3-D seismic, along with other proprietary technologies. We have participated in an extensive number of 3-D projects and rely on our experience, expertise and analogs in new project development. We require adequate data to be able to analyze prospective acreage for a potential drilling location to insure a quality reservoir capable of producing substantial quantities of oil and gas. Projects target long life reserves (15-20 years+) and quick pay-outs (36 months or less) and rates of return are expected to be no less than 20%.
Direct participation in oil and gas is for the risk tolerant investor. Oil and gas investment provides an inflation hedge, as well as diversity to an equity investment portfolio.
Direct participation in oil and gas can generate several tax benefits. These benefits range from large up front deductions for intangible drilling costs (IDC), to tax credits for the development of certain types of tight formations. Deductions are generated mainly from the cost of nonsalvageable equipment or services conducted during the drilling phase, testing, and/or completion of the well.
As is evident from this discussion, the tax benefits generated by a direct participation in oil and/ or natural gas are substantial. The immediate deduction of the intangible drilling costs or IDCs is very significant, and by taking this up front deduction, the risk capital is effectively subsidized by the government by reducing the participant's federal and possibly, state income tax. Each individual participant of course, should consult with their tax advisor


April 12, 2021
In today's business environment, a daycare center seems like a stable enterprise. As parents return to work, children need to be looked after.
Daycare centers provide an all-day reliable service for busy parents. And, these facilities help children learn and socialize in a safe environment.
In the United States, the childcare industry creates a combined revenue of more than 21 billion USD. And, there are more than 54,000 daycare facilities across the country. Even with this promising data and need for the service, why do daycare centers fail?
Failing daycare centers can happen to new or old businesses. This is the result of many factors: lack of expertise, unwillingness to change or grow, or financial issues. Read on to learn (and avoid) these reasons why daycare centers fail.
Like any business, a daycare center's priority (besides childcare safety) is profitability. To be profitable and avoid daycare center mismanagement, business leaders must be knowledgeable.
Management needs to have the know-how to run your center. This includes accounting, marketing, and much more. Daycare centers can fail because of this lack of business acumen.
Consider investing in yourself or your employees to improve expertise. Books, podcasts, or business coaching can add value to your business and help maintain profitability.
In times of COVID-19, daycare centers have faced tremendous strain on business operations and contracting new clients. You may have shifted your business model and adopted new hygiene processes that weigh on your bottom line.
But, some poorly run daycare centers are not taking these changes and new restrictions seriously. In turn, parents are not willing to trust these facilities to take care of their children.
Consider COVID-19 restrictions as a way to instill trust and reputability in your clients. Adapting to this "new normal" helps you avoid the disappointment of a closed-down daycare center.
Are you buying inventory for your daycare business? To avoid a business failure, it is important to buy quality products.
For example, The Ground Level Inc. toddler cot sheets are affordable but do not sacrifice quality. These sheets are made of excellent fabric and are long-lasting.
Quality inventory can help differentiate your business in terms of marketing. And, long-lasting items will save your business money over time.
Do parents pay you on time? Have you missed a monthly bill payment? Do you have a budget for your business?
Managing your finances is key to avoiding a daycare business failure. While a business advisor or accountant can help, it is important that you are tracking your own balance sheet and cash flows. A monthly business audit can help reveal impending financial issues like overspending, missed payments, or invoices.
So, why do daycare centers fail? It comes down to making poor business decisions. Whether you have been in business for years or just opened, bad decisions like financial mismanagement will cost you clients and stability.
Remember, the daycare industry is a booming industry. Avoiding these missteps can help you maintain your business and profitability long-term.
If you are looking for more ways to add value to your business, contact The Ground Level Inc to learn more or purchase our products. Our Made in America childcare items can add quality to your daycare center.
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August 30, 2021
August 26, 2021
July 29, 2021


The following attorneys practice in the Estate Planning and Administration Practice Group:
Our Firm has a large estate planning practice which includes everything from the preparation of basic wills and trusts to the preparation of complex, tax-motivated estate plans for high net worth individuals and their families.
We recognize that every person’s and every family’s situation is unique, so we take care to develop a personalized estate plan for each client. Our estate and trust administration services include advice regarding after-death income and estate tax planning, disclaimer planning, valuation discount planning and the preparation and filing of federal and state estate tax and income tax returns.
Estate planning techniques our Firm may utilize include:
Through the use of state-of-the-art computer software, we administer over 100 estates, trusts, charitable remainder trusts, and private foundations.
FGB also handles IRS audits of federal estate tax returns.


Customer: ConverseBank is a leading Armenian bank with a strong position in the country’s banking sector. Established in 1993 as a “North -Armenian” joint stock Bank and rebranded as ConverseBank in 1994, it offers comprehensive financial services to individuals and businesses. Being a part of the global company, Corporacion America, the bank undergoes continuous development based on global market needs. Throughout its digital transformation journey, ConverseBank has prioritized the seamless integration of technology into its services, aiming to provide customers with convenient and efficient banking experiences. The bank constantly works toward leveraging cutting-edge digital tools, to ensure that its customers can access their financial services anytime, anywhere.
Provisioned Service: With ConverseBank, our objective is to empower the team of C-Suite executives by instilling the necessary mindset and knowledge to effectively address challenges in the fintech world, enabling them to emerge as leaders in the digital financial services era. To accomplish this, we begin by focusing on what we consider to be the fundamental element of Agile mindset. In financial industries, a rigid and fixed mindset is often prevalent, so we collaborate closely with the executives to shift their perspective towards an Agile mindset. Additionally, we provide comprehensive tailored training sessions about Agile Project Management and Digital Transformation, tailored specifically to the executives, equipping them with the essential tools and techniques required to navigate the ever-evolving landscape of digital financial services and fintech.


Trezor Wallet: Safeguarding Your Cryptocurrency Assets
In the ever-evolving landscape of cryptocurrency, security and control over digital assets are paramount. Trezor Wallet emerges as a pioneer in providing users with a secure, user-friendly solution to store, manage, and transact cryptocurrencies. In this comprehensive guide, we explore the features, benefits, and functionalities of Trezor Wallet, empowering users to make informed decisions about their digital asset management.
1. Introduction to Trezor Wallet
Trezor Wallet is a hardware wallet developed by SatoshiLabs, designed to provide users with a secure and intuitive way to store and manage their cryptocurrencies. It offers an offline storage solution, keeping users' private keys safe from online threats such as hacking and phishing attacks.
2. Key Features of Trezor Wallet
Hardware Security: Trezor Wallet utilizes cutting-edge hardware security features to protect users' private keys and digital assets. It stores private keys in a secure element, inaccessible to unauthorized parties, ensuring the highest level of protection against theft and fraud.
User-Friendly Interface: Trezor Wallet features an intuitive user interface that simplifies the process of managing cryptocurrencies. With its easy-to-navigate dashboard, users can easily view their account balances, send and receive transactions, and manage their portfolio with ease.
Multi-Currency Support: Trezor Wallet supports a wide range of cryptocurrencies, including Bitcoin, Ethereum, Litecoin, and more. This versatility allows users to store and manage multiple digital assets in a single wallet, streamlining their portfolio management process.
Backup and Recovery: Trezor Wallet offers robust backup and recovery options, ensuring that users can securely access their funds even in the event of a lost or damaged device. Users can generate a recovery seed during the setup process, enabling them to restore their wallet on a new device if necessary.
3. Benefits of Using Trezor Wallet
Enhanced Security: With its offline storage solution and advanced encryption features, Trezor Wallet provides users with unparalleled security for their digital assets. By keeping private keys offline, users are protected from online threats such as hacking and malware attacks.
Complete Control: Trezor Wallet gives users complete control over their cryptocurrencies, allowing them to manage their funds independently without relying on third-party custodians. This decentralized approach ensures that users are the sole custodians of their assets, mitigating counterparty risk.
Ease of Use: Despite its advanced security features, Trezor Wallet remains incredibly user-friendly, making it accessible to both novice and experienced cryptocurrency users. Its intuitive interface and straightforward setup process enable users to start managing their digital assets with minimal hassle.
4. Getting Started with Trezor Wallet
Getting started with Trezor Wallet is a straightforward process:
Hardware Setup: Users need to purchase a Trezor hardware wallet and follow the setup instructions provided. During the setup process, users will generate a recovery seed, which is essential for restoring their wallet in case of emergencies.
Wallet Initialization: Once the hardware wallet is set up, users can initialize their Trezor Wallet using the Trezor Bridge software. This software allows users to interact with their hardware wallet and manage their cryptocurrencies securely.
Using Trezor Wallet: With their Trezor Wallet initialized, users can start sending and receiving cryptocurrencies, managing their portfolio, and exploring additional features such as password management and two-factor authentication.
Trezor Wallet stands as a beacon of security and usability in the cryptocurrency space, offering users a reliable solution to safeguard their digital assets. With its advanced security features, user-friendly interface, and multi-currency support, Trezor Wallet empowers users to take control of their financial sovereignty and navigate the world of cryptocurrencies with confidence.


The price is a flat rate including kitchen towels, children's bed, WLAN and parking.
Final cleaning, bed linen and tourist taxes must be paid separately.
Cleaning Apartment:CHF 90.-
Bed linen per bed:CHF 15.-
Tourist tax per night and person (older than 14 years):CHF 2.00
For two weeks and more, we grant a discount of CHF 100.-
The booking calendar is available on the website in German language.
During the low season individual nights can be booked. Minimum are 2 nights.
During the peak season is always charged a whole week.