Saudi Ethraa Financial Advisory is a Saudi consulting firm based in Jeddah. It aims to support and assist corporates and SMEs to achieve their strategic targets through developing strategic planning and financial projection along with the appropriate financing mix that meet their needs.
Business Valuation (Accredtied by Taqeem)
Saudi Ethraa has the experiene, and trusted name you can rely on to meet your organization’s valuation needs. Our professionals (who are members of Saudi Authority for accredited Valuers – Taqeem) provide a wide range of serves including valuing entire businesses, subsidiaries, joint ventures, mergers and aquistions etc.
Saudi Ethraa aims to assist corporates and SMEs to achieve their strategic targets through facilitating proper financing agreements from various investors and lenders.
Strategic and Business Advisory
Saudi Ethraa assists its clients to develop corporate strategy to maximize profitability and grow businesses. Along with the client management, we develop strategic planning, feasibility studies, financial projections and business plans to help the client achieve its targets and grow their business.
Some companies face financial instability in their financial position, at Saudi Ethraa and through collaboration with the client management, we can assist the client to diagnose and identify the issues at earlier stage and develop appropriate solutions that create win-win situation for all stakeholders.
In view of the new imposed Value-Added Tax regulation by the General Authority of Zakat amd Tax in Saudi Arabia starting from 1 January 2018, we assist entities to comply with VAT regulations through identfying companies structure and operations and ensure these operations are properly refelted in the client’s systems and reports.


Each election cycle there are bills that have both long- and short-term consequences for business. With the current economic climate in California, it is important for business and residents to focus on how our state can improve the economy by creating jobs and supporting the industry that is in our state, before businesses are either forced to downsize or leave our state for other more business-friendly locations. With this in mind, the Board of Directors for the Santa Clara Chamber of Commerce will be reviewing measures and propositions for their impact on business, and encourages you to vote on November 1. Please check back here to see the Chamber's recommendations for the measures and proposals on this year's ballot.
For additional information on the Santa Clara Chamber of Commerce positions, please call us at (408) 244-8244.


Russian Railways sold TransContainer at the price twice as high as the starting price. The companies of Abramovich and Lisin took part in the auction, but Sergey Shishkarev's Delo Group won.
In Moscow on November 27, the auction for the sale of 50% plus 2 shares in TransContainer (6.95 million shares) held by United Transport and Logistics Company, a subsidiary of Russian Railways, took place. Delo-Center, a member of Sergey Shishkarev's Delo Group, won the auction. It had offered 60.3 billion rubles for the stake, while the starting price had been 36.16 billion rubles, the organizers of the auction told VTB Capital.
The first step of the auction amounted to 141 million rubles; other steps amounted to 200 million rubles. The bidding was very intense and lasted for about 40 minutes, judging by the final price, over 120 steps were made. Three companies fought for the asset. Besides Delo Group, there were Yenisey Capital controlled by joint owners of Evraz Roman Abramovich and Alexander Abarmov, and Freight One controlled by Vladimir Lisin. Yenisey Capital already holds 24.74% in TransContainer.
Freight One was the first to quit the bidding, it was followed by Yenisey Capital, says a person close to one of the bidding participants. A representative of Freight One did not specify the sum after which the company stopped bidding.
Not everyone could apply for the participation in the auction. A bidder was required to have at least 5,000 freight wagons or a container terminal (terminals) with the aggregate processing capacity of at least 50,000 containers (20-foot equivalent units). Or a 20% stake in TransContainer. Companies having foreign co-owners (with a stake exceeding 25%) and state ownership (with a stake exceeding 30%), and businesses specializing in maritime shipping (over 50% of proceeds) were not admitted to the auction. Bidders also had to make a deposit of 10% of the starting price amounting to 3.6 billion rubles.
TransContainer is Russia's largest operator of container shipping. The company has a network of 60 terminals in Russia, Kazakhstan and Slovakia, and a fleet of 27,819 flatcars and 74,118 containers.
Shares of TransContainer are listed on Moscow exchange. From August 7, when the auction conditions were announced, they rose in price by 25.3% from 6,995 rubles per share to 8,765 rubles per share on November 27 at 02:25 pm Moscow time (the auction started at 03:00 pm). The price of the shares was just a little higher than the price at which Delo Group bought them at the auction.
Who is Shishkarev and what is Delo Group
Shishkarev established and became the CEO of the transport and logistics holding Delo in 1993. From 1999 he was a deputy of the State Duma for several consecutive convocations, from 2009 until 2014 he chaired the transport committee. In 2014 he became the president of Delo Group once again.
For many years the business of Dela Group has been focused in Novorossiysk, where the group holds containers and grain terminals. In 2018 Delo Group bought 30.75% of shares in Global Ports, Russia's largest port container operator with assets in the North-Western and Far-Eastern basins for 250 million USD.
Russian Railways is planning to close the deal for the sale of the stake in TransContainer by the end of 2019. However, the potential expenses of the winner will be even more. It will have to make an offer to other shareholders. In theory, Delo Group may spend about 60 billion rubles more, should all the co-owners of TransContainer accept the offer. Besides Yenisey Capital, a big minority shareholder of TransContainer is VTB, holding a stake of 24.84%.
Earlier Shishkarev explained that apart from the company's own funds (25-30%), he planned to raise funds from Sberbank to finance the deal. Sberbank's press service confirmed on November 27: the bank will finance this deal. According to Prime Agency, the businessman said that Delo Group would suggest VTB remain a shareholder of TransContainer, and make an offer to other shareholders. A representative of VTB did not comment on this.
The auction results are an "enormous success" both for the seller and for the buyer, General Director of Infoline-analytics Mikhail Burmistrov notes. "The price of the asset surpassed the wildlest expectations," he adds. "The presence in the three basins and the majority share in the leading Russian container shipping operator will enable Delo Group to become a national logistics transport integrator," the company's report runs. Delo Group has two terminals in Novorossiysk, including a container terminal, and experience in container shipping, reminds Igor Smirnov, director of corporate and sovereign ratings at Expert RA. The wagon shipping market is stagnating, and container shipping increases by 15-20% each year, Smirnov clarifies the increased interest in TransContainer.
Nevertheless, Delo Group has not paid such a colossal price for TransContainer. Based on the auction the value of the company is estimated at 120.6 billion rubles. EBITDA for the year ended on September 30 amounted to 20.5 billion rubles, points out Smirnov. The company is estimated as EBITDA times 5.9. Dela Group will not face difficulties while making up for its expenses, Burmistrov and Smirnov believe. This can be achieved through an offering on an exchange or sale of the stake, including Delo itself, to a strategic or financial investor.
A representative of Yenisey Capital did not comment on the auction results. A decision on further steps would be made after the offer, in which the company was planning to participate, he said. The shares in TransContainer had been acquired by the company at a price 70% lower than the price at which they were acquired by Delo Group, states Smirnov. We believe that the final price of this asset is not economically feasible, that's why we quitted the bidding," a representative of Freight One told RBC.
Source – Vedomosti dated 28.11.2019 .


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Jonathan Mairs is an experienced, results-oriented, and well-rounded communications professional.
Most recently, Jonathan was Head of Investor Relations and Financial Communications at KCG Holdings, Inc. (NYSE: KCG), the largest market maker in U.S. equities and ETFs on Wall Street. KCG was acquired by Virtu Financial, Inc. (NASDAQ: VIRT) in mid 2017 at a 45 percent premium to the pre-offer stock price. At KCG forerunner Knight Capital Group, Inc., he served in a dual capacity as Managing Director of Corporate Communications and Investor Relations.
Earlier, he spent more than a decade at leading public relations agencies Ogilvy, Ruder Finn and Edelman. In that time, he served financial sector clients including:
• Wells Fargo (online brokerage, investment advisors, private banking)
• CFA Institute
• Saybrook Capital
• Bank of America (research, sales and trading, investment banking)
• Donaldson, Lufkin & Jenrette (asset management, online brokerage)
• Standard & Poor’s
• Charlesbank Capital Partners
• Citibank (consumer banking, private banking, corporate banking)
In addition, Jonathan worked on more than 25 M&A and IPO assignments across sectors and underwent Ogilvy brand training, encompassing research, creative and planning. He started his career at storied ad agency Wells Rich Greene, the first NYSE-listed company led by a female CEO.
He is a member of the American Association of Individual Investors (AAII), Financial Communications Society (FCS), and National Investor Relations Institute (NIRI). He is a past recipient of the Gold Sabre for best corporate image campaign, PRSA Bronze Anvil for best financial services media relations, and Gold FCS Portfolio Award for best annual report.
Jonathan earned a bachelor of arts in English writing from Saint Lawrence University and a master of arts in psychology from the University of Santa Monica.


US President Obama’s reinsurance tax proposals could damage the US economy, according to a study by Arthur Laffer, a former member of Reagan’s economic policy advisory board. According to the report, which was published by the Laffer Centre, attempts to deny a tax reduction for certain reinsurance premiums paid to foreign-based affiliates by domestic insurers would result in economic damage to consumers and businesses by raising the cost of their insurance.
A proposal in President Barack Obama’s FY 2016 budget seeks to deny a tax deduction for reinsurance premiums paid to foreign affiliates by domestic insurers. The proposal closely resembles legislation introduced in Congresses by US Representatives Richard Neal (D-MA) and Bill Pascrell (D-NJ) and Senator Robert Menendez (D-NJ) that would drastically raise insurance rates across the country. The President’s budget proposal and the Neal-Pascrell-Menendez legislation would impose an unnecessary and costly tariff on the companies that help spread insurance risks globally. This ability to spread risk has been especially beneficial for consumers and businesses in areas subject to hurricanes, earthquakes, crop failures and other forms of disaster.
More than 100 independent experts, state government officials, business owners, and associations have publicly filed opposition letters to these tax proposals. Additionally, two economic research firms, the Tax Foundation and the Brattle Group, have published independent studies pointing out the potential economic consequences of the proposals.


NFT gaming is one of 2022's biggest new NFT trends, and it will be hard for developers and publishers to ignore.
NFT stands for Non-Fungible Token. It is a digital certificate of authenticity created thanks to a blockchain, the one of Ethereum (which is also a cryptocurrency). NFTs are said to be "non-fungible", as they cannot be replaced by anything else, they remain unique. This makes them different from other crypto-currencies such as Bitcoin, for example, because one Bitcoin can be exchanged for another, its value remains the same.
To summarize, an NFT is a unique code attached to any digitally available "thing". It can be a photo, an audio track, a text, ... Its certificate of ownership is stored on the blockchain.
Today, we hear mostly about NFT with pictures. Artists have created NFT images (jpg, for example) to resell them on the market. Owning one of these NFTs makes the owner the only official owner of the image. In concrete terms, this could be similar to the release of a collector's edition of a vinyl record, numbered and signed by an artist. The quantity of vinyl edited and pressed is limited and the authenticity of this one is identifiable thanks to the signature of the artist as well as by its edition number.
What's the point of NFTs in the video game world? It is said that everything that is rare is expensive. Some people are willing to pay a lot of money to get a rare or even unique item, sometimes with the intention of selling it for more. For now, NFTs don't seem to be a big advancement in the world of video games, since microtransactions, Season Pass and other DLCs have already been offering digital content for a fee for a long time. But now imagine that a very famous player manages to complete a difficult quest in front of millions of viewers on Twitch. Proud of his achievement, he could very well decide at the end of his quest to sell the sword he used during his journey. More than a simple skin, we can imagine how much some people would be willing to spend to play with the very sword he used to defeat this particular monster.
The entrance of NFTs in video games could lead to a big change in consumer habits. For example, it would allow a player to buy a unique outfit for his character in a multiplayer game, of which he would be the exclusive owner, and potentially allow him to sell it later, once again in the form of an NFT, at a higher or lower price. The player would therefore inject real money into the game to benefit from a volatile service without being able to really measure its future resale price. It's a bit like playing a stock market but within a video game. In any case, the developer and producer of the game would receive a percentage of the transaction, regardless of the amount of the resale.
Several developers have already announced that they want to create NFTs like Ubisoft or GSC Game World and its game S.T.A.L.K.E.R. 2. Ubisoft also announced a few months ago the introduction of a platform called Quartz. A platform of NFT which will be named Digits and which for the moment can be used for Ghost Recon Breakpoint.
However, this evolution is far from being unanimously approved by gamers and the various video game actors. Phil Spencer, Xbox boss, spoke about this last November
“What I can tell you today about NFT is that I think there's a lot of speculation and experimentation going on with this technology, and some of the stuff I see today is more exploitation than entertainment [...] I think anything we see in our catalog that we consider exploitation would be something we would act on immediately. We just don't want to see that kind of content in our home.”


Global markets are overreacting to Dubai World's 'delay' in debt repayment
There is nothing understated about Dubai as I learned during a recent visit. It is hard not to be impressed by the ambition and audacity of this growing city. During the last decade or so, Dubai has embarked on large scale real estate development projects that led to the construction of some of the tallest skyscrapers and largest projects in the world such as the Emirates Towers, the Burj Dubai, the Palm Islands and the world's second tallest, and most expensive hotel, the Burj Al Arab. So how did a city of 1.4 million people with a GDP of roughly $40 billion manage to fund these ambitious projects?
To understand how, one has to think about Dubai as a highly leveraged private equity firm. Dubai has very little oil resources of its own, and under the tutelage of its ruler cum CEO, Sheikh Mohamed, it pursued a bold investment-fueled growth strategy focused on tourism, real estate and financial services. During a four-year construction boom, Dubai borrowed $80 billion, or almost 200% of GDP, to fund outlandish projects that transformed the sheikhdom into a regional tourism and financial hub. At one time it was rumored that Dubai had 25% of the world's cranes, quite a feat for a city that was home to 0.02% of the world's population. Dubai's motto was simple: 'Build, and they will come'. Global capital markets were awash with credit pre-Lehman, and Dubai borrowed heavily on generous terms to fund its expansion. Debt service costs were low, and the high growth/high debt, leveraged private equity model worked perfectly.
Post-Lehman, this house of cards built primarily on investor sentiment came crashing down. It is estimated that property prices have fallen almost 50% in Dubai since then. Quite simply, buyers turned into sellers as panic spread through the financial system, exposing Dubai's glut of over-supply. People who bought several properties as investments with the hope of flipping homes at a profit, suddenly found that their mortgages/liabilities far exceeded the value of the homes they owned (sound familiar?). The cycle of borrow-build-sell-build was thwarted, and a sharp drop in revenues resulted in Dubai's high debt levels becoming an albatross.
Clearly, global markets have overreacted to Dubai's inability to make a debt repayment of $3.5 billion due December 14th. Some believe this could be the largest government default since the Argentine debt restructuring in 2001, while others point to contagion given the exposure of global banks to Dubai's debts. There are also fears of similar 'surprises' emanating from different parts of the world.
The facts would suggest that these fears are unfounded. To begin with, Dubai's problems are unique and its scale of potential defaults very small compared to the $1.7 trillion of global write-downs absorbed by banks due to the global financial crisis. To be sure, Dubai has several prized assets and can sell them to fund debt repayments but it is loth to do so. Besides, Abu Dhabi, the capital city of UAE and Dubai's nemesis, has one of the world's richest sovereign wealth funds with over $600 billion in assets and will not risk a Dubai default. It is most likely going to end up being Dubai's savior, but is currently engaged in a high stakes game of chicken with Dubai's ruler. It will ultimately lend Dubai the money to repay creditors but on its own terms. It will either take large ownership stakes in key Dubai assets & corporations and/or demand a much higher say in running Dubai's affairs. Either way, debts will be repaid and global traders will regain their sanity.
Drunken stupors often lead to prolonged hangovers. This is no different!


Welcome to Long Term Loans Anytime
REPRESENTATIVE APR 1261%*
Amount of credit £200 borrowed for 28 days. Interest: £40.20 Interest rate: 262% per annum (fixed). Representative APR: 1261% Total amount payable: £240.20
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.
Carefully consider whether a loan is right for your individual financial situation. Depending on the amount borrowed and the duration of the loan you may find that borrowing of this type is an expensive form of credit and not appropriate for much longer term borrowing or if you are in financial difficulty. All loan applications are subject to status, terms and conditions and to satisfactory passage of checks on creditworthiness and affordability.
A long term payday loan provides cash to the borrowers for a pretty long period of time. These funds are ideal for the people looking for instant financial help of up to 1,000 pounds with easy and stretched out repayment facility. The most noticeable feature of the long term loans is their availability for all the qualified UK residents, including the bad creditors. Our website is an ultimate medium for availing these credits through an easy to follow system. So if you have any liabilities like pending bills or are keen to buy an expensive item, you can always expand your finances by borrowing money online. We offer a simple procedure where you can get the needed cash fast after submitting an e-form. Our online loan application is short and free of cost. By filling and submitting it, you get instant access to many competitive loan deals brought to you by our associated lenders.
Enjoy Extended Repayment Period
This is the most favourable feature of our long period cash borrowing schemes. Unlike other payday advances, these funds don’t have to be repaid in a short duration. You can opt for easy instalments that suit your income and lifestyle structure for paying back the leaned cash. Longer repayment period ensures more comfort in paying the amount through easy weekly, monthly or as suitable.
Freedom from Hurdles of Bad Credit
Low credit scores or any other bad credit records do not hinder the approval of long term loans for 12 months or more. So even if you have CCJs, defaults or late payments etc, you need not worry. Our moneylenders will not perform any credit checks to grant you quick cash but only evaluate your present earning capacity to do so. This is a really good opportunity for the bad creditors to improve their current scores as well.
How to Apply?
This is the very first question that arises when you realise the need of a payday advance. We have shortened the lengthy procedure for your convenience and made it very easy. As an applicant, you just have to fill in the loan application form with some accurate details – your age, residential status, employment information and bank account particulars. This free online application form is the most important thing to apply for a paycheque advance through us. Hence take care to fill in all the details carefully and truthfully.
Same Day Quick Cash
We offer same day cash arrangements from the top UK lenders through application analysis. Our moneylenders process your personal data (as filled by you in the application form) and make instant decision on your request. The fast processing and approval process makes sure that you have cash in your hands fast. Our long term payday loans are best suited for your urgent expenses that can’t wait till your next salary day. The loan amount up to 1000 pounds is good enough to suffice your urgent bills, car repairs, unplanned travel expenses, school fees and many alike.
Long term loans are better than many short term advances due to many reasons. You can obtain the funds via a straightforward online procedure and repay in installments of 12 months. You have full one year to reimburse the borrowed money, so there is no hassle. Then as discussed earlier, there is even no issue of past credit history checks. Being web-based, our services are accessible online from anywhere through the Internet. So there is no time limitation too. So don’t wait for anything. Just choose a paycheque advance to day and get cash to meet all your current needs. You are now just one application away from the friendliest online loans in the United Kingdom.


Most new members initially invest 2 to 3 hours week per week for the first month developing their business plan, populating the financial software with data and analyzing their first financial reports.
Thereafter, members tend to spend 1.5 to 2 hours per week recording key data, coding bank statements, conducting market research and keeping files up to date ready for submission at the end of the month. We believe time spent working on your farm business to improve profitability is time well spent.
The data you need to marshal is often already recorded for budgeting, banking and taxation purposes and thus should be reasonably close at hand.
Some additional thought and research will need to be applied to make informed assumptions about future variables.
The key information you need to record and update regularly includes:
Members are required to assign a unique Profit Focused Farming income and expenditure code next to each transactional item on their business bank statement.
This allows us to apportion transactions to various profit centers.
To do this, we use BankLink’s Notes service to provide us with an electronic version of your farm’s bank accounts.
We believe this is a relatively simple process that adds robustness to the financial reports and decision-making.
Profit Focused Farming integrated business management tools can be applied to a large range of farming enterprises, including those with multiple farms.
With all enterprises, the key objective is to continually improve the profitability and value of the farm business.
We view every farm as unique and one of the first steps is to run the numbers and understand the current and forecasted financial performance.
These first financial reports highlight the occurrence of the most profitable farming activities. They also demonstrate where the financial strength and weakness areas are.
At the same time, we also ask new members to reflect on what they want from the farm business and the future, their strengths and what the most important issues are.
Armed with this information we work with members to identify and objectively assess possible solutions that will improve profit.
Once the member has decided a course of action, we then support the member to take action and put it into practice.
Ongoing guidance and support is then provided on a regular basis to assess results and help the member stay focused on critical business issues and get things finished.
This support comes from a personal business coach, mentors and other Profit Focused Farming farming members.
This proven process has been adopted by dairy, sheep, beef and mixed farms throughout New Zealand.
Profit Focused Farming accommodates a full range of farming practices, including breeding.
Our objective is to help farmers establish, using their own information, what farming activities do and do not contribute to profit.
All farming activities, including breeding stock are assessed for comparative current and future profitability.
The type of landscape and prevailing market prices will typically determine whether carrying breeding stock all year is more profitable than other types of farming i.e. finishing or fattening for the store markets. A farmer’s strengths and passion for breeding animals will also be a contributing factor.
We have members who have used sound financial analysis to establish themselves as successful and profitable stockbreeders.
The profit focused farming system is an online service which requires you to be able to access the web to see your reports and monthly results.
It is essential that you have an average level and understanding of computer literacy. You will be required to use the Microsoft Office suite of products especially Excel and Word. You will also need to be familiar with Microsoft Outlook and be able to attach files and send emails.


Whether you’re trying to find a new house, renovating a lived-in abode, or just sprucing up your home-sweet-home, you’ll more than likely need the help of an expert at some point along the way. Click the tabs below to help navigate through our sections to find just the right person to help with all your Moving and Home Improvement needs.
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CREDIT UNION OF OHIO
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Based in Hilliard with convenient locations throughout central Ohio, Credit Union of Ohio is an expert partner in helping homeowners navigate financial decisions to improve the value of their homes. With competitive and affordable rates and a local staff, your decisions will be made locally and you’ll always have a direct line to your loan officer.
For a limited time, Credit Union of Ohio is offering a Home Equity special and Summertime Loan special. Visit Credit Union of Ohio’s website for current rates and terms or set up an appointment with a loan specialist by calling (614) 487-6650.
Credit Union of Ohio is a full-service financial institution with a mission to help its members create positive financial habits through all stages in life. Learn about its free financial counseling services and products for the entire family at cuofohio.org. Equal Housing Lender and NCUA insured.
OHIO BASEMENT AUTHORITY
REAL WORLD CLEANING SERVICE
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LEADERS MOVING & STORAGE CO.
Leaders Moving & Storage Co. is an accredited, professional, Columbus moving company, offering both corporate and residential moving services and storage. Our company began in 1994 in Columbus, Ohio with two movers and a handshake. Since then we’ve completed over 100,000 moves. We are one of the only moving companies to quote you an exact move price. There are no hidden fees, and no nasty surprises. You know your price in advance, so you can customize your move to your budget. Over 80% of all our customers are repeat customers and referrals. Call our Columbus movers at (614) 785-9595 today, to get your guaranteed move quote.
TIME 4 ORGANIZING
SARAH MOORE, HER REALTORS
I remember the day that my husband and I found our home nearly 18 years ago. We are now in the midst of raising three beautiful boys, 2 dogs, 1 cat and 3 geckos. As you embark on one of the most important decisions of your life that will lead to many wonderful memories, I would like to assist you in finding a house that will become your perfect home. Has the time come that you would like to downsize or increase your living space? I’m available to sell your home with care, respect and the most comprehensive online marketing available today. I look forward to working with you soon.
THE MCGINTY GROUP, KELLER WILLIAMS CONSULTANTS REALTY
Ryan and Courtney McGinty are a husband-wife team with Keller Williams Consultants Realty. You get two realtors for the price of one! We love to work together and to help people realize their real estate dreams. Our goal is to make the home buying and selling process as smooth as possible and our clients tell us that we succeed. We offer personalized and responsive service, and are up-to-date about the current market, the best loan options available now, and the most recent laws that could affect your real estate transaction. Whether you’re brand new to Columbus, moving across the street, or moving out of town, we can help!
AMY E. HALL, KELLER WILLIAMS GREATER COLUMBUS
I am a local Realtor who would be honored to help with all your real estate needs in the Greater Columbus and surrounding areas. It is my strong belief that you need a friend in this business and that is what I will strive to be – your friend. Purchasing or selling a house is a big deal and you need someone you can rely on, who has your back, and is here to listen. I am that person. Contact me today and let me help you to find the perfect house to come home to.


Zignaly has built a business to leverage the social predisposition of humans to lower the barrier of entry to cryptocurrency trading.”
What really sets Zignaly apart is its profit-sharing feature. Crypto investors can duplicate the trades of up to 100 expert traders — and only pay trading fees when profits are made from closed positions.”
Clearly, Zignaly has a strong use case in a world where a significant number of crypto traders rely on recommendations”
Zignaly has created an environment where trading platforms, users, and expert traders can benefit from one anothers input while contributing to a comprehensive ecosystem.”
About 100,000 crypto investors use the crypto copy trading tool that Zignaly offers. This easy-to-use, results-driven tool enables you to select and copy the strategies of successful crypto traders with minimal effort.”
Zignaly puts a spin on traditional copy trading by calling it smart investing. At its core, it connects investors with traders and profits are shared when successful trades are copied."
Zignaly is a social investment platform that allows investors to follow expert traders in a seamless manner. This results in not only the investors achieving optimized returns, but hundreds of traders are monetizing on their trading skillset."
Zignaly is the better platform for copy trading live traders. The platform has an innovative Profit-Sharing feature where you can split a pool of your investable assets among multiple traders."


- About Us
- Case Study
Digital transactions are increasing rapidly and more people than ever are using these platforms. Statutory & Regulatory bodies across the world are continuously protecting this digital information of the users from mishandling or theft. Data Protection law in European Union is even more stringent now after GDPR compliance came into force. Purpose of all this being to safeguard interest of the end users.
Compliance Frameworks are sets of guidelines and best practices. Organizations follow these guidelines to meet regulatory requirements, improve processes, strengthen security, and achieve business objectives. Non-Compliant organizations face security breaches. When a company suffers a security breach, it is often difficult to quantify the totality of the damage, in part because there are so many potential financial consequences. Some of the biggest security breaches in recent years are:
Payment Card Industry Data Security (PCI-DSS) : Organizations that handle cardholder information for major debit, credit, prepaid, e-purse, ATM and POS cards fall under this regulation. These compliances results in tapping the financial frauds, primarily through protecting debit/credit card and account information of the customers. Noncompliance to PCI-DDS can cost between $5,000 and $100,000 per month as fine.
Health Insurance Portability and Accountability Act ( HIPAA): This bill puts in place many regulations regarding the security of patient data. Companies that handle healthcare data, from hospitals and clinics to insurance companies, are required to comply with HIPAA regulations. Penalties for non-compliance can range from $100 to $50,000 per violation, with a maximum penalty of $1.5 million annually
Sarbanes Oxley Act (SOX) : It is designed to protect investors and the public by increasing the accuracy and reliability of corporate disclosures. This act requires companies to maintain financial records for seven years. Affected companies include U.S. public company boards, management and public accounting firms.
Federal Information Security Management Act ( FISMAA) : The Federal Information Security Management Act of 2002 treats information security as a matter of national security for federal agencies. Comprehensive framework for ensuring the effectiveness of information security controls over information resources. It requires each federal agency to develop, document, and implement an agency-wide program to provide information security for the information systems that support the operations and assets of the agency.
General Data Protection Regulation(GDPR) : It aims to protect citizens in the European Union (EU) from data breaches. The GDPR applies to all companies processing personal data for people residing in the EU, even if that company is not physically located or based in the EU. Companies that fail to comply can face massive fines equaling four percent of their global turnover, or 20 million euros, whichever is higher.
Gramm Leach Bliley Act (GLBA) : This compliance is a United States federal law that requires financial institutions to explain how they share and protect their customers private information. It requires financial institutions that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information sharing practices to their customers and to safeguard sensitive data.
Enhanced risk management framework: Compliance regulations help in defining a proactive security and risk posture for any organization, and then translating that posture to actionable security controls.
Reassure Customers: Compliance regulations help in protecting customer data which helps in achieving customers trust and contributes to brand reputation.
Avoid breaches which in turn minimize losses: Regulations prevents breaches, which can cost millions of dollars and dent organization's exchequer. Due to the data breach, many companies end up losing revenues in sales, additional repair costs of the application and legal fees, all of which can be avoided with the right preventive measures.
Organizations have been earnestly taking precautionary measures against risks, continuous compliance of their environment and proactive IT operation processes. Since each major security standard involves an evolving set of specific requirements, achieving security compliance can be complicated, costly and challenging.
Achieving compliance within a regulatory framework is an ongoing process. Organizations, environment is always changing, and the operating effectiveness of a control may break down. So, choosing an appropriate compliance policy, applying effective controls, regular monitoring and reporting is a must. An automated compliance monitoring can be the solution. Data analytics are now well established as a very effective way to monitor and test many forms of transactions and other activities that are impossible to examine manually.
In summary, we understand that security non-compliance can cost heavy to business and its reputation. So, to the online platform this is not a choice anymore. Based on the nature of business and the geographies of operation though analysis is needed to understand and apply the security compliances. Continuous evolving strategy should be planned to ensure the business is always complied to the latest compliance and technology needs.


The 2017 Crystal Ball
Here we go again. Another new year, another fresh set of predictions. Before we project what lies ahead for the next 12 months, let’s first see how we fared last year:
1) Leasing activity will remain strong for the majority of 2016, but activity will start to show some very subtle signs of slowing down towards the end of the year. True.
2) 151 North Franklin will be the last new office building constructed in this development cycle. False, thanks to 625 West Adams.
3) Landlords will be forced to continue raising rents to account for the property tax increase. Generally true, although taxes are not the only reason for this.
4) Many tenants will be furious once they receive their pass through bills or net rent increases, thereby making life miserable for landlords, property managers and leasing agents. True for the most part, although the reaction has not been as bad as feared.
5) The tax increase will also have a direct impact on retail and residential real estate. Retailers will be forced to raise prices and apartment rents will rise, as Chicago will become one of the more expensive cities in America to conduct business. True.
6) Sales activity will begin to decline in 2016. Because so many properties have changed hands over the past two years, there are simply not that many left to sell. True.
7) Firms not in dire need of expansion space will use the upcoming presidential election as a convenient excuse to put off decisions. With some exceptions, mostly False.
8) A notable technology firm will be the first to take the plunge and sign a significant lease in Goose Island, thereby laying the groundwork for this corridor to become the next growth market in downtown Chicago real estate. False. Still waiting.
9) A grocery store will sign a lease in the Loop this year to cater to the rapidly growing residential population in the central business district. False.
10) A combination of the tax increase, high crime rate and sustained issues with the police department and Chicago Public Schools will be cited as a key reason for a significant corporation pulling their headquarters out of downtown Chicago and relocating to either the suburbs or another part of the country. False, for now.
So, half of my predictions came true. Not bad for one of the most unpredictable industries out there. Let’s now see if I can improve upon my predictions in 2017:
1) With the increased supply caused by new construction and resulting shadow and sublease space, total vacancy will rise by approximately 1.5%.
2) Average rents will increase slightly in the first half of 2017, then begin to plateau for the second part of the year. Average tenant improvement allowances, rent abatement and other incentives will remain about the same as last year.
3) The Old Post Office will land a significant anchor tenant who will occupy over a quarter of the building. Other smaller tenants will commit as well over the course of 2017, as this notable redevelopment becomes a quick success.
4) The bloom will be off the Fulton Market rose just a bit, as several of the new office buildings either planned or under construction will struggle to fill space. This will lead to a slowdown of new development projects for a while.
5) The sales market will remain quiet for most of 2017. In the fourth quarter, however, things will begin to loosen up just a bit and price expectations will be dialed back a notch. This will allow for some of the investors who had been sitting on the sidelines for the past few years to start getting back in the game.
6) Just when we thought Loop office development would be on hiatus for a few years, the market will be shocked by one more announcement: a new tower located on the General Growth site at 110 North Wacker Drive to be anchored by a well known, Fortune 500 tenant who will take occupancy in early 2021.
7) In spite of the planned redevelopment of the Tribune Tower, CIM Group will decide keep floors 3 – 7 for office use and sign WGN Radio to a long term lease. As part of the new deal, they will be forced to abandon their ground floor studio, which will be leased to a national retailer for $300 per square foot.
8) Leasing activity will remain slow in Goose Island. However, the city will announce a series of notable infrastructure improvements that will make this sector much more accessible to prospective users long term. Success will come, just not as fast as most hoped.
9) As part of the City of Chicago’s astonishing decision to legalizing sports gambling, plans will be announced to construct a land-based casino on the site of the former Michael Reese hospital, kicking off a billion dollar development which will include hotels, retail and housing.
10) Let’s try this one once more: A grocery store will sign a lease in the East Loop this year to cater to the rapidly growing residential population in the central business district.
To say the least, it will be interesting to see how this all plays out. Check back in a year to see how I fared. Best wishes to everyone reading for a happy, healthy and prosperous 2017!


Our Payments and Funds
Most of our services are covered by private health fund rebates and with the new Medicare Enhance Primary Care Plan, some services are covered by Medicare (terms and conditions apply). In addition, both our clinics are equipped with HICAPS, which allows you the convenience of ‘on the spot’ electronic claims and payment from participating health funds, saving you time and money.
- Payment is required at time of consultation.
- 24 hour cancellation notice is greatly appreciated.
- HICAPS payment facility is available.
- Eftpos payment facility is available.
- Credit cards accepted: Visa, Mastercard and AMEX.


BUFFALO, N.Y., June 14, 2021—M&T Bank announced it will be the first U.S. bank to team up with MagnusCards® by Magnusmode, a free app dedicated to making the world a more accessible place for people with neurodiverse abilities. The collaboration will create new digital guides that provide visual cues and step-by-step instructions to help people access fundamental banking services. Available through the MagnusCards app, M&T Bank’s digital “Card Decks” are designed to increase banking accessibility for all, and are offered free to users.
“Launching M&T Bank’s MagnusCards will help us create a more inclusive, welcoming bank and expand our capabilities to meet the unique needs of our diverse community of customers,” said Sonny Sonnenstein, Chief Information Officer for Consumer, Business and Digital Banking at M&T Bank. “We are excited to work with Magnusmode – not only because they’re an inspiring local startup, but also because their product is incredibly intuitive and well-designed to support our customers.”
Digitalized Guidance Through Storytelling
Using digitalized “Card Decks,” the MagnusCards app guides users through tasks and activities that might otherwise feel challenging or overwhelming. As Magusmode’s very first U.S. bank partner, M&T Bank is offering an expanding “life skills library” that provides practical guidance through storytelling Card Decks, helping users navigate daily tasks and experiences that may become overwhelming without assistance. It uses applied behavior analysis methods, offering prompts and positive reinforcement to support experiential learning.
In addition to banking and money management, the app provides accessibility support for public transportation, healthcare, shopping, school and other places and activities people need to access as part of their daily lives. The app’s users include people with autism, down syndrome, acquired brain injury, dementia, ADHD and other cognitive disabilities.
“Confusing or complex services can create barriers for people with autism and other cognitive disabilities. Our assistive technology helps companies eliminate those barriers and welcome, support and enable people on the autism or disability spectrums,” said Magnusmode Founder and President Nadia Hamilton. “In M&T Bank, we found partners who understand the importance of leveraging technology to create practical tools that improve the everyday experiences of all people.”
Employee Advocacy Led the Way
M&T’s Disability Advocacy Network (DAN), an employee-led group that advocates for the needs of people with disabilities, identified MagnusCards as a potential opportunity for the bank, and guided its implementation and launch, working alongside M&T’s technology team and colleagues throughout the bank.
“Our MagnusCards will help people count money, use their debit card to purchase things, withdraw cash from an ATM or teller, and deposit cash and checks into an ATM,” said David Zolnowski, president of DAN’s Western New York chapter and a parent advocate whose son has Down syndrome. “Each of these essential guides will be extremely helpful to people with disabilities.”
Disabled Family Members Helped Develop the Product
WNY DAN member Stephanie Tisdale, a vice president and strategic initiatives lead at M&T, also played an important role in launching M&T’s MagnusCards. She asked her 17-year-old brother, Diarllo, who is on the autism spectrum, to serve as the “acting talent” in the production of the visuals for the Card Decks. While the ask was a bit outside his comfort zone, he jumped at the opportunity when he learned how his participation would help other people with disabilities.
“The Disability Advocacy Network wanted real people involved. We didn’t want actors, but people who would directly benefit from our collaboration with Magnusmode,” Tisdale said. “My brother is never one to be the center of attention, but when he heard it would help people, he was all over it. It was inspiring to see Diarllo contribute to something so important. I want my brother to have the opportunity to live independently, to be able to access the services he needs and to feel like he belongs. The MagnusCards app will be so empowering for him and all people with cognitive disabilities.”
A New Wave of Digital Banking Tools
M&T’s MagnusCards launch comes amid the bank’s ongoing push to provide new and innovative digital tools and resources to help customers manage their money. A few highlights include:
- Money Smart’s Cash Flow – M&T has expanded M&T Money Smart, the budgeting and money management tool available through its online and mobile banking platforms, with new features that help customers plan for the future. Cash Flow is a tool that allows users to visualize how money moves into and out of their accounts each month. It uses advanced analytics informed by past transactions to provide users with a simple display of their daily spending power.
- Money Smart’s, The Goals – Money Smart was also updated with a Net Worth tool to help users track financial worth in real time. It combines checking and savings accounts, retirement accounts, property, investments, bonds, debt and more to show a visualization of net worth and how it changes over time. The Goals tool in Money Smart helps users achieve savings, debt payoff and retirement goals. It creates timelines and visualizations that are automatically updated as users put money toward a savings goal or pay down debt.
- Financial Education Center – M&T created an online Financial Education Center to help its customers and communities access educational resources that deepen their financial literacy. Its self-directed learning materials are organized into life-stage educational bundles – such as Banking for Families, Becoming a Homeowner, Banking for Entrepreneurs and others – to help people find the insights and information they need for their moment in life. The Financial Education Center can be visited at mtb.com/financialeducation.
About M&T Bank
M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&T’s principal banking subsidiary, M&T Bank, operates banking offices in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia and the District of Columbia. Trust-related services are provided by M&T’s Wilmington Trust-affiliated companies and by M&T Bank.
Founded in Toronto, Ontario, Magnusmode was a 2018 winner of the Buffalo-based startup competition 43North. The company is currently based in 43North’s accelerator and office space at Seneca One in downtown Buffalo, where M&T recently launched its Tech Hub.
Media Contact: Julia Berchou, (716) 842-5385, firstname.lastname@example.org


The attraction industry is facing a huge challenge as a result of the global pandemic. This workshop offers solutions that give the industry an opportunity to return to business in a stronger position and with more resilience. It is aimed at attractions who are optimistic and feel that an investment would be a suitable solution or strategy to break free from the current circumstances. View full details here.
September 29th – October 2nd, Wallingford, Oxfordshire.
- Analyse profit and loss across different types of days
- Explore different business models and build more resilience into the income models
- Assess the available market and adjust tolerances for uncertain attendance over the next 18 months
- Review the current visitor experience and identify what is needed to improve it, plus test out potential new additions over the next 5 years
- Develop an immediate working cash flow to help the business through the next 18 months and then beyond for 5 years
- Create a cost model capital plan
- Develop an operational cost model control
- Plan monthly cash flows for the next 5 years
- Test out different model sensitivities
- Carry out a high strategy risk assessment
How is the workshop delivered and what is the cost?
There are two options, both will operate under strict social distancing guidelines, and they both have a pricing structure that reflects the current difficult financial situation:
Option 1: In Wallingford, South Oxfordshire over the course of four days 29th September – 2nd October. For up to four delegates.
Initial deposit paid on booking £1,000 + VAT followed by 12 x monthly DD payments of £166.67 + VAT. Total cost: £3,000 + VAT for up to four colleagues.
Option 2: The same programme content but hosted either onsite at your attraction or in Wallingford at a different time. For up to four delegates.
Initial deposit paid on booking £6,000 + VAT followed by 12 x monthly DD payments of £500 + VAT. Total cost: £12,000 + VAT
Please note the above costs include lunch each day and whilst we can help you find accommodation you are responsible for the cost of it and evening meals.


The Price of Risk: What the Rise of Finance Can Teach Us About Justice
The dissertation traces the bond between risk and profit from its classical origin to its culmination in contemporary finance. Specifically, it dwells on the interwar period, during which securities exchanges were redefined as markets for risk, subject to their own logic of supply and demand. Combining intellectual and institutional history, the dissertation shows how financial markets emerge in this period as the ultimate means for transferring risks from the risk-averse ‘masses’ to a handful of risk-takers, significantly skewing the distribution of the rewards of economic production. The pricing of risk, as a technical problem for economists as well as regulators, thus reveals a fundamental political problem that challenges widely held beliefs about the liberal subject, democratic rule, and distributive justice. As I argue in The Price of Risk, the presence of uncertainty reverses liberal commitments to equal dignity and opportunity, justifying new social asymmetries in the name of greater security.
Uncertainty, I propose, is a problem for justice when actions and outcomes are misaligned, and when this misalignment is broadly anticipated by the members of a political community. The dissertation offers an original interpretation of the tradition of political economic thought since the late eighteenth century, as a series of market solutions to this specific problem, which utilize a language of risk and reward. Adam Smith’s master of industry, Frank Knight’s entrepreneur, and J. R. Hicks’ speculator were new social protagonists that were introduced to personally carry the uncertainties of capitalist production and exchange. Each presupposes, and profits from, the general need of the many for a regular, guaranteed return for their efforts. Divided into three parts, the dissertation discusses the meaning and limitations of these market solutions and the obstacles they pose for an effective politics of risk. It concludes by presenting an alternative approach to risk in the politicization of danger by a new type of social movement.
In the first part of the dissertation, I show how the idea of ‘profit’ displaced private property and the proprietary citizen as the governing ideals of liberal market societies, substituting hierarchy and difference for self-governance and autonomy. Chapter One begins with a comparison of property and profit as two competing frameworks for economic thought. If private property relied on the atomist sameness of all political actors and an indisputable sovereignty over one’s own domain, profit, rising as an analytic category in the eighteenth century, came with an alternative set of values. Profit highlighted difference and invented a new hierarchy pitting responsible leadership against directed labor. The chapter closes with a discussion of Adam Smith’s theory of profit in Wealth of Nations as a socially distributed market-rate, which essentially transfers the costs of the entrepreneur’s “risk and trouble” to society at large. Smith’s “master of industry” is thus rewarded for her active employment of capital, but is personally spared much of the regular costs of risk. In return, she is limited in the rate of profit she can extract, in the interest of general social progress and prosperity.
Chapter Two shows how the transformation of modern corporations and the radical revision of the economics discipline at the turn of the twentieth century changed the meaning of profit, while retaining its fundamental social asymmetries. As utility came to describe all market aims and gains, a perfect balance, or equilibrium, of supply and demand left no room for something like a residual money income. In response, Frank Knight (1921), a Chicago economist, redefined profit as belonging to a realm outside of market laws, the reward for a small subset of humanity engaged not in mechanical market exchange, but in taking on the inherent uncertainties of economic life. Entrepreneurs would promise a predetermined future return for present labors and investments, thereby eliminating uncertainty for the great masses of society. Knight’s theory of risk and profit thus lays the foundation for a dichotomized humanity, which is also asymmetrically rewarded along the risk line.
The second part of the dissertation focuses on the market as a system of risk allocation, in theory and in practice. In Chapter Three, I present the main principles of the market for risk as it emerged from John M. Keynes’ and John R. Hicks’ work on dynamic economics, in Cambridge and the London School of Economics, respectively. In Hicks’ dynamic equilibrium model, irreducible economic uncertainties can be traded for a profit in the open market. Risk, in other words, could itself be subjected to a logic of supply and demand. Just like for Knight, the model relies on a ‘Machiavellian’ opposition of passions, as the fearful many, the hedgers, offload their risks into the hands of profit-seeking speculators. Though all risk-bearing activities now happen squarely within markets, the distributive outcome is similar to Knight’s: conspicuous rewards for the few, and security for the many.
Chapter Four places my account of early financial thought in the context of a broader narrative on the rise of neoliberalism, which sees it as the spread of market logic. The chapter makes use of the market for risk as a case study of this larger phenomenon, focusing on the role of widespread market idealizations in structuring the debates around financial regulation and scientific market forecasting. The chapter follows the idea of equilibrium and the opposition of hedgers and speculators as they come to define and legitimize many of the speculative practices taking place in the commodities and securities exchanges, primarily in New York and Chicago. The broad acceptance of these ideas, as I show, is not limited to practitioners and is frequently invoked by market critics from the private and the public sectors. The chapter points to the formative role of market ideals, and further argues that the unique character of the commodities exchange helped establish speculator hegemony and market autonomy as regulatory principles. By pointing to the convergence of conflicting parties around a common set of ideals, the chapter articulates the limits of a politics of risk which relies primarily on regulation.
The third part of the dissertation offers a political horizon for change. If markets and insurers offer ways to reallocate risks among a given population, social movements have used risk attribution strategically and symbolically in order to transform the language of personal responsibility into one of structural inequality. Chapter Five draws on the experiences of the risk-based, intersectional organizing of new social movements, studying their radical forms of resistance to the privatization of responsibility. In particular, I focus on the environmental justice movement (EJM) of the 1980s and 1990s, which used the forensic logic of risk attribution to reshape common conceptions of marginalized communities and the power asymmetries that shape them. Committed to broad participation, the EJM allows for heterogeneous communities to form in the face of prospective danger. Bringing together the sociology of risk, social movement theory, and critical race theory, the chapter argues that such movements are crucial in reframing the problem of uncertainty and justice as one of distribution, rather than allocation, paving the way for a participatory politics of risk.
By the late-twentieth-century, financial markets, which organize all markets, are broadly structured around the division between the risk-takers and the risk-averse. Its “products” are founded on a similar dichotomy between risky assets, which earn variable returns, and risk-free assets, which earn a fixed return over time. The dissertation concludes that, in permitting the financial system to run as if its outcomes are already accurate and its prices always right, one risks its recurrent interruption by an irreducible and largely ‘suppressed’ uncertainty, as evidenced by the financial crisis of 2007-8. But in its limitation to this stylized ideal, I argue, financial theory also opens up a space beyond it, for non-economic theories of uncertainty, just like Knight used a highly abstract equilibrium model to define a social ontology that extends beyond markets. It is within this space that both regulators and movements can develop a politics of risk. The first are tasked primarily with holding financial markets to their promises of stability and a fair price for risk, increasing access to these markets, and tempering their effect on wealth accumulation. Movements, on the other hand, are charged with identifying the subjects of risk, making them visible, and creating the discursive and institutional disturbance necessary for their incorporation in a broader debate about social distribution.
The dissertation’s contribution lies in three central areas. First, it points to the historical need to think about democratic liberalism beyond the framework of private property. The dissertation identifies an actual shift in economists’ focus, as profit became a central category while interest and rent receded to the background. It further shows how, with the decline in the importance of private property for understanding progress and productivity in society, the virtues of property ownership were similarly replaced with initiative, responsibility, and daring, the supposed virtues of enterprise. As much of the debate around justice continues to seek the kinds of self-government and equal dignity bestowed by property, one must ask how this material transformation might affect these goals, and their appropriateness.
Second, the dissertation identifies an ambiguity around a key claim made by critics of neoliberalism—namely that this new constellation of power/knowledge involves the unhealthy spread of market logic. In response, the dissertation points to the plural, historically situated meanings of the term ‘market logic’, on the one hand, and the tendency within political theory to bracket the actual mechanics of markets, on the other. By focusing on the emergence of a market for risk, the project identifies the anonymized, divided subject of risk as one type of neoliberal subject. In addition, by understanding how finance purports to offer safety, I have proposed an alternative explanation of the push to expand this particular ‘market logic,’ necessitated by the internal principles of risk-reallocation. Such an explanation, grounded in the way ideas have shaped financial institutions and behaviors, also aims to supplement available narratives on financialization which focus on its incredible profits, without engaging the sources, real and imagined, of these profits.
Finally, the dissertation reframes the question of justice and inequality by identifying the pervasive role of uncertainty in shaping economic life. It offers an alternative analysis of capitalist market society not from the perspective of capital accumulation, but from the inherent doubt about future rewards. The picture which emerges shows the extent to which markets are organized around the minimization, elimination, or reassigning of risk, to guarantee the many a life free of fear and loss. In this view, therefore, the market for labor becomes one of the most important functions of a capitalist system, namely the ability the extend to labor a regular wage—a function severely undermined in recent decades by the rapid expansion of a contingent-labor class. From the perspective of uncertainty, moreover, individual risk-taking had emerged as a necessary solution, and markets were increasingly expected to reward risk-taking, maintaining a permanent asymmetry in the distribution of income in society.
The problem of justice is further complicated by the limits of the politics of risk. Risk allocation mechanisms—from insurance to the risk-benefit calculations behind the siting of a landfill—lack the language to reflect on their own outcomes for society as a whole and often disguise their less voluntary aspects. Regulators, moreover, are often bound to the very same technical languages produced by such systems. In order to overcome the limitations of governmental risk-reallocation, the dissertation identified more effective political strategies, that allow movements to interact fruitfully with regulators and administrators. Exemplified in the case of the EJM, movements have been able to force the recognition that risk-reallocation carries broad social implications. In some cases, movements have also successfully demanded redress for the historically skewed distribution of risks and rewards. In their activism, movements have thus offered ways to counter the depoliticizing, often alienating effects of the language of risk-management, in particular when it comes to marginalized communities.


There is an $80 discount for all female members (exluding Mini Cats and Big Cats) and is additional to the early bird discount.
The fees for the 2024 season are as below:
|Early Bird*||Season Fee|
|Mini Cats (age 3 - 5)||$90|
|Big Cats (under 9 - under 11)||$60|
|U6 - U8||$290||$315|
|U9 - U13||$315||$340|
|U14 - U18||$345||$370|
NOTE: The prices indicated above are inclusive of GST for the 2023 season.
To register go to MyClubMate and complete all details.
* To receive the Early Bird discount, fees must be paid at one of the Signon days in February.
St Cats provides a family discount of $30. This discount is for the second and subsequent players from the same family. This excludes the Mini Cats program.
Parent Participation Fee
There is a $50 Participation Levy to be paid with sign on fees. The Club is a community organisation and each family is requested to help out during the season. At least 2 field setups and 1 additional task OR 2 additional tasks, eg 2 Working Bees. If you are unable to meet this obligation, the $50 Participation Levy will be forfeited. Please ensure you register your participation by using the QR Code on the back of the equipment room door. Additional tasks include Photo Day, Working Bees, Presentation Day/s, helping with Fundraising activities. Coaching and managing also count towards Parent Participation.


The Marcus Center team is actively working in collaboration with state and local government officials and following local, state and federal health guidelines.
Rest assured, if we need to cancel any performance, the value of your ticket is safe. You will have the option of a credit, refund, or the ability to donate the value of your tickets to the Marcus Center. If you are participating in a payment plan, the value will be applied to the remaining payments on your account.
For COVID related policies, please reference our COVID resource page: COVID


Verified Expert in Finance
Management Consulting Expert
Ellen specializes in answering her clients' complex financial and analytical questions with innovative techniques. She is excited to bring to Toptal clients a vast set of tools to employ on analytical projects. Her unique talent is a seamless combination of data sourcing, programming, financial analysis, storyboarding, and visualization.
Park City Finance, LLC
- Constructed a custom budget model for a multi-billion-dolllar real estate portfolio. The model generated fullly custom financial statements for each individual property that then rolled up into regions and corporate.
- Built extensive retail models for an eCommerce business to analyze sales over a wide variety of SKUs and wholesale partners. Created custom metrics to monitor for opportunities to expand the assortment at various retailers.
- Tightly integrated the data warehouse with analytical tools with SQL, PowerPivot, and Power BI.
- Created pro-forma financial statements for a pre-revenue company that included debt convenants and headcount detail.
UBS Warburg Energy
- Set up and managed the interest-rate and foreign-currency hedging operation for the energy-trading subsidiary of UBS Warburg.
Director of Financial Trading
- Structured and executed interest-rate swaps and swaptions on up to $750 million in notional principal, including amortizing structures.
- Devised currency-hedging strategies for various internal and external exposure.
- Managed a $2 billion Canadian fixed-income portfolio.
- Traded US Treasury and Eurodollar futures as well as sovereign cash instruments.
- Traded spot, forwards, and par forwards, in all major currencies.
Munder Capital Management
- Managed over fifty institutional fixed-income portfolios.
- Traded mortgage-backed securities, agency debentures, and U.S. Treasuries.
- Designed and programmed a fixed-income trading application used by the entire fixed-income department for portfolio management, trading, and trade clearing.
- Worked on fixed-income derivatives and equity proprietary-trading desks.
- Managed all interest-rate and foreign-currency exposures for a $1 billion portfolio.
- Developed and implemented exotic dual-commodity, path-dependent option models.
- Valued asset acquisition and divestitures, including a $170-million physical-asset acquisition.
Chartered Financial Analyst (CFA) in Financial Analysis
Association for Investment Management and Research - Nationwide (USA)
Master of Business Administration in Finance and Corporate Strategy
Ross School of Business, University of Michigan - Ann Arbor, Michigan
Bachelor's Degree in Finance and Accounting
Wharton School of Business, University of Pennsylvania - Philadelphia, Pennsylvania
Stanford University | via Coursera
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Mazda3 GS 2.0P Hatchback PCP Finance Example
|36 Monthly Payments
|Term of Agreement
|| 37 months
|Customer Deposit (30%)
|Amount of Credit
|Guaranteed Minimum Future Value
|Option to Purchase Fee
|Total Amount Repayable
Offer valid until 31st July 2019
All new Mazda cars come with a 3-year/100,000km manufacturer’s warranty and 3 year’s European Roadside Assistance.
Model shown may not be to Ireland specification. Colours and some exterior and/or interior elements may differ on screen from the actual model. Price does not include metallic / mica paint. Prices exclude Dealer related charges.
Finance example above is based on a 37 month PCP (Personal Contract Purchase) plan. €1000 deposit contribution is only available for vehicles purchased via Mazda Choices. Lending terms and conditions apply and a guarantee may be required. Figures are subject to change without notice. All finance is subject to status and is available to over 18's in Ireland only. Guarantees and indemnities may be required. Warning; you will not own the goods until the final payment is made. Finance is provided by BMW Financial Services (Ireland) Ltd is trading as Alphera Financial Services, Swift Square, Santry Demesne, Dublin 9. BMW Financial Services (Ireland) Ltd trading as Alphera Financial Services is regulated by the Central Bank of Ireland.


In 2010, the Reserve bank of India (RBI) issued guidelines to Banks for delivery of financial services through the CSCs to bring citizens in rural areas under the ambit of financial inclusion. CSC SPV has since partnered with 42 public and private sector banks and regional rural banks to leverage its last mile network to bring the unbanked, especially marginalized communities and women under banking. Under this partnership,CSCs across the country can become Business Correspondent Agents / Customer Service Points to deliver banking facilities to citizens, such as:
Opening of Accounts (Manual)Opening of Accounts (eKYC)Money DepositMoney WithdrawalBalance enquiryRecurring/Term Deposit
During 2016-17, banking services of 36 banks – 23 PSU Banks and 13 Rural Banks – have been made available through 11,940 BC Points across the country.During the financial year, 382.71 lakh transactions worth Rs. 5,70,163.61 lakh were done by these BCs.
During 2016-17, 1,26,309 VLEs have registered under Digi Pay service. Around 28.351 lakh successful transactions have been made at CSCs under Digi Pay to withdraw Rs. 17,901.89 lakh.


Credit Cards and Prepayment: MasterCard, Visa, Discover
and American Express credit cards are accepted. If you prefer to pay by check or
money order, please speak with your sales representative. Please allow 5 business days
for pre-mailed checks to clear. All checks must include a contact
person, return address and phone number in order to be processed.
A $20.00 fee will be charged on all returned checks.
C.O.D.: We also accept money orders and cashier-checks
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Universities The minimum PO (Purchase Order) amount for Universities is $1,000.00 USD.
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Hello Fellow Traders,
Thank you for visiting Raghee.com. I know you will find loads of useful information, products and services for all trader skill levels.
"There is nothing more important than education in anything we do. I think it's more than simply a means to an end. Knowledge to seek out more knowledge led me from futures to daytrading stocks and index futures to trading forex. All the while I picked up on the synergy. I took what I knew about one market and carried it to the next. This has allowed me to add not replace these markets to my overall approach. It's something I think I bring to the table not only as a trader but as a teacher. There is not market that trades without being influenced by another and there area even more important markets that seldom trade without influencing a number of others: That's the forex market. I use what I call a "one mind, many markets" approach or as many traders call it "I.A.O.T." It's All One Trade. When you trade with synergy because you have a better overall understanding of the markets, trading becomes less stressful and the pieces of the puzzle fit together. And it all starts with education." - Raghee Horner, trader & author
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Forex Trading for Maximum Profit
"Forex Trading for Maximum Profit" an honest step-by-step book on the methodology of Forex trading. When people ask me about the Forex market I tell them that it has the best features of all the other markets with none of the problems.
This book explains all of it for you and it's a great place to start. Click Here For More Information.
Million Dollar Forex Set-Up eBook
The Million Dollar Forex Set-Up is more than just a series of steps - it's a mindset. It's an opportunity to view the markets in a way that allows you to hear what the market is trying to tell you. Successful traders know there is a message that the market is always communicating. Profitable traders listen for the cadence and ignore the cacophony. Unsuccessful traders try to impose their will on the market and that's a sure path to failure!
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What Is the Currency of Japan?
The currency of Japan is the yen (¥). It is abbreviated as JPY and is represented by the symbol "¥". The yen is the third most traded currency in the foreign exchange market, after the US dollar and the euro.
The yen was first introduced in 1871, and it has gone through several periods of instability and fluctuations in value. However, since the end of World War II, the yen has become a stable currency and is widely used in international trade and investment.
The Bank of Japan is responsible for managing the yen and implementing monetary policy to ensure price stability and support economic growth. The yen is available in both paper notes and coins, with denominations ranging from 1 yen to 10,000 yen.
Japan's currency and monetary policy have significant implications for global financial markets, given the country's status as the world's third-largest economy. Changes in the yen's value can have ripple effects across multiple industries and regions.
In conclusion, the Japanese yen (¥) is a stable and widely traded currency, playing a crucial role in international trade and investment. Managed by the Bank of Japan, the yen's value influences global financial markets due to Japan's economic prominence. Understanding the yen and its fluctuations is essential for businesses and investors operating in Japan and beyond.


We acted for a private UK investor on the acquisition of this prime Mayfair office investment in 2016. The property is fully let and income producing. The purchase was secured in a competitive process.
We acted for a UK Fund on the acquisition of this prime central Reading office building in 2017. The building comprises c.150,000 sq ft of office space arranged over three interlinking buildings. The property was secured in a selective marketing process for an undisclosed sum.
We have been involved in this pooled London office fund since its inception in 1999, representing the interests of one of the key investors, a UK pension fund. The fund has invested in several trophy office buildings in core markets including Belgrave House, 10 Grosvenor Street and Almack House. At its largest the fund had approximately £800 million assets under management.
Chapman Petrie sold this trophy retail asset on behalf of a UK Pension Fund. The newly developed property was purchased by an UHNW Asian investor for £56 million achieving a substantial premium to valuation.
This trophy retail and office development was acquired on behalf of a UK institution. Since the asset was purchased, rents have doubled whilst there has been substantial yield compression resulting in a significant increase in capital value.
We acted for the purchaser Viridis, on the acquisition of this prime development project in close proximity to Farringdon Station. The asset was acquired in a competitive bidding process from the vendor Nama. The property is still undergoing works to provide a new 140,00 sq ft prime office building.
We recently sold this prime multi let office building on behalf of a major UK institution. The property had been intensively asset managed over the previous 3 years including a full refurbishment and re-letting which had driven value substantially. A sale at in excess of valuation provided our client with a clean, profitable exit and provided vindication of the asset management strategy that had been implemented.
Acting on behalf of a major UK pension fund we agreed the forward funding of this new retail warehouse park. The scheme is pre-let to M & S and Next amongst others and has a projected end value of circa £35 million.
The property was secured at a substantial discount to the Vendor’s valuation and provided our client with a number of immediate value add opportunities through both new lettings, lease renewals and the development of new units. The park is the dominant bulky goods provision for the wealthy local catchment and demand for units on the scheme is very strong offering rental growth opportunities for our client in the future.
We acted for Standard Life on the acquisition of this prime central London foodstore. Comprising c.62,500 sq ft this is one of a few large foodstores in Central London and is let on a long lease to Sainsburys. The asset was acquired in an off market transaction for c.£50M.


Academic Writing Complete Guide
Why read academic articles?
Good Academic Scholarship
Exam preparation and Techniques
Businesses, both large and small produce financial reports as a way of showing the directors, stakeholders, and customers their progress, the status quo of the firm and the position in which they are financial. Financial reports are prepared in time for issuance during a specific period of or to publish them and distribute to every stakeholder. As such, the financial report must have substantial details to make it as comprehensive as possible.
Definition of a financial report
This is a formal record of the financial activities and position of an organization, person, or other entity. It is presented in a structured style and is put in a way that is easy to fathom they include the basic financial statements that come with the management discussion and analysis. It has the following features:
- A balance sheet that reports on the company’s liabilities, assets and the owner’s equity at a specific point in time
- A statement of comprehensive income reports on the income of the company, its expenses, and profits over within a given period. If you have a profit and loss statement, you are simply providing information on the operations of the business.
- A statement of retained earnings tackles the changes in equity of the company within the stated period
- A cash flow statement gives information on the company’s cash flow activities especially the activities that touch on investment and financing.
If a large company releases the financial statement, it may be complex and might include footnotes to the financial statements as well as the management discussion and analysis. The notes describe each item on the balance sheet and expand further on the income and cash flow statement. Financial statement notes are essential and integral part if the financial report.
How to write a financial report
It is already clear that a financial report provides information on the financial health of a business or company. It includes a balance sheet, an income statement, as well as a statement of cash flows. These reports are reviewed and analyzed by financial or business managers, boards of directors, financial analysts, investors, as well as government agencies. As such, their preparation and dissemination must be timely, and it must be accurate and flawless.
Preparing a financial report may be daunting, but the accounting involved is not very difficult.
Preparations before writing the financial report
Before you can start writing your financial reports, you have to consider the following:
- Decide on the time frame
You have to know the financial period that your report is going to cover. Most of the financial reports are prepared quarterly although there are companies that demand them to be prepared monthly.
To determine the time that your financial report is supposed to cover, it is crucial to consult the governing review documents of the organization. These can be by-laws, corporate charter, or articles of incorporation. They describe the frequency of the financial reports.
You can also ask an executive within the organization about the frequency of the financial reports. If you happen to the executive of your organization, consider the time that the financial report will be useful to you and take that as your financial report date.
- Scrutinize your ledgers
Ensure that all the contents of your ledgers are updated and well recorded. Your financial report will lack usefulness if the underlying account data is not correct. For instance, you can ensure that all the payable and receivable accounts have been processed, verify that the bank’s reconciliation is full, and establish whether every inventory purchase and product sales have been recorded.
You also have to consider the liabilities of the unrecorded data with regard to the date of the release of your financial report. For instance, identify if the company has received any services that have not been invoiced. Check if there are employees whose wages are yet to be paid. All these will present accurate liabilities and have to be incorporated in the financial statements.
- Collect any missing information
If there is any information missing in your ledgers, track down any important document that you need to ensure that the financial report is accurate and complete.
Preparing the balance sheet
Consider the following steps of preparing your balance sheet:
- Setting up the balance sheet page
This shows the company’s assets, liabilities, and equity accounts. This can be common stock and additional paid-in capital for a given date. The first page of your financial report should be titled as “Balance Sheet,” followed by the name of the organization and the effective date of the balance sheet. The items on a balance sheet are reported by a specific day of the year. For instance, the balance sheet may be prepared as of August 30.
- Format your balance sheet well
Most balance sheets have their assets on the left and liabilities or equity on the right. Others may show assets on top and liabilities or equity below.
- Enumerate your assets
You have to add the title “Assets” in the first section of the balance sheet and then write the list of all the assets that the company owns. You have to start with the current assets like cash and any items that can be converted into money within one year of the date of the balance sheet. Close this section with a subtotal of the current assets.
List the non-current assets that era not in the form of cash and cannot be converted to cash in the near future. Add all the current and the non-current subtotals and title that line as “Total Assets.”
- List your liabilities
This section is labeled as “Liabilities and Equity” and should start with current liabilities due within a year followed by long-term liabilities that cannot be settled in a year. Add them together to create the “Total Liabilities.”
- Enumerate all source of equity
This will show the amount of money the company would get if all the assets were sold off and the liabilities paid off. List all the equity accounts and create the “Total Equity.”
- Add up the equity and liabilities
Sum up the total liabilities and total equity to create the “Total Liabilities and Equity.”
- Check the balance
Ensure that the figures you have calculated from the total assets and total liabilities and equity equal the figures on the balance sheet.
Preparing the income statement
- Set up the income statement page to show the amount of money the company earned and spent in a specific period. Title this page as the “Income Statement” and include the name of the company and the time that the income statement is covering.
- List all sources of revenue and the amounts that were earned. Report on each type of revenue separately and organize them in a manner that is meaningful to the organization.
- Report the costs of all the goods sold. To calculate the cost of goods adds the direct materials, direct labor, factory costs, as well as shipping or delivery expenses. From the total revenue, deduct the cost of goods sold and title this section as “Gross Profit.”
- Record the operation cost. This will incorporate all the expenses necessary for running your business.
- Incorporate retained earnings, which is the sum of all net income or net losses since the inception of the company.
Preparing a statement of cash flow
- Set up your statement of cash flow page and title it “Statement of Cash Flows.” List the company’s name and the period this statement is going to cover.
- Come up with the operating activities section that must correspond to the income statement that is already prepared. Enumerate all the operating activities of the company to arrive at the “Net Cash Provided by Operating Activities.”
- Create an investing section with a title “Cash Flows from Investing Activities.” This should tally with the balance sheet that you have prepared.
- Incorporate financing activities
This is the last section of this page and should be titled “Cash Flows from Financing Activities,” and it relates to the equity part of the balance sheet. It has to show inflows and outflows from securities and debts that are issued by the company.
- Sum up your categories
The three categories in your statement of cash flows should be labeled as the “Increase and Decrease in Cash.” You have the liberty to add the increase and decrease in cash to the cash balance at the beginning of the period. When you sum up these two numbers, they should equal the cash balance depicted on your balance sheet.
- Add any crucial notes or narrative
Every financial statement must include the “Notes to the Financial Statements.” This contains the information that pertains to the company. You have to consider the usefulness of additional information about the finances of the company. The notes can also be about the history of the company, industry information and future plans. This gives you a chance to show the investors the meaning of the report, what it shows and does not show. The investors will see the company through your eyes.


Michelle Sanchez reports on her customer. “In April 2018, Elizabeth came to Man-Tra-Con seeking training assistance. Working 30 hours per week and in school full-time, Elizabeth was unable to support herself with her current income. She was determined eligible for WIOA services as a single adult with low income,” Michelle reports.
“When we first met, Elizabeth had enrolled in the Associate Degree Nursing (ADN) program at Rend Lake College (RLC), but needed money to complete her education. Through WIOA training assistance, Elizabeth was able to receive help paying for tuition, fees, textbooks, supplies, and mileage reimbursement. Elizabeth also received assistance while attending the Licensed Practical Nursing program at RLC. This helped Elizabeth work as an LPN, earning a higher wage, while she completed her final semester of the ADN program,” Michelle adds.
“In May 2019, Elizabeth successfully completed her ADN program and passed her board exams. In September 2019, Elizabeth began working as a Registered Nurse for SSM Health St. Mary’s Hospital in Centralia, Illinois. She is currently earning $20.00 per hour and loves her job. Elizabeth also loves that she is able to work very close to home while earning excellent wages,” Michelle says.


Family Support Circle, Inc. receives donations from local businesses to run our Food Pantry. It is opened year-round to the members of our community that are in need of assistance.
Cooking Matters Classes with Open Hand Atlanta
Family Support Circle, Inc. recently partnered with Open Hand Atlanta in providing our Community-Based Programs with Cooking Matters Classes.
The Cooking Matters Classes is a groundbreaking cooking-based nutrition education program that teaches low-income families how to prepare healthy, tasty meals on a limited budget. The six-week hands-on instruction is led by volunteer professional chefs and nutritionists.
Annual Holiday Toy Give-Away with Toys-R-Us
Every year, Family Support Circle partners with Toys-R-Us to provide low-income families with Christmas Gifts so that every child can have a blessed Christmas.
Financial Leadership Workshop with Wells Fargo Bank of Stockbridge
Every year, Family Support Circle partners with Wells Fargo Bank to provide the community with a free Financial Leadership Workshop. Wells Fargo Stockbridge Store Manager, Shomari Furtch, donates his time to talk to the families of the community about Financial Responsibilities and the best way to build up and maintain credit scores.


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Your support of the Foundation is an investment in protecting your right of access to government meetings and records and will help us achieve our goal of advancing Connecticut’s open government laws!