SB 483 has been signed into law, and will help protect our elders. Why is the Dept of Health taking so long to implement this new law?
Senate Bill 483 is California’s attempt to end abuses regarding qualifying for Medi-Cal Nursing Home benefits. There was concern that there were “millionaires on Medi-Cal”: Millionaires were taking advantage of liberal Medi-Cal qualification rules, disposing of all their assets, becoming “indigent” overnight, and then qualifying for Medi-Cal Nursing Home benefits. Therefore, the taxpayers were paying for the nursing home care of these millionaires.
In one of these aggressive techniques for becoming “indigent” overnight, an elder takes all of their assets over $2,000 and buys a “balloon annuity”. Then, they can apply for Medi-Cal Nursing Home benefits the next day. California is striving to close this loop hole under SB483. This bill was signed into law by Governor Schwarzenegger on September 27, 2008. But it is not yet implemented. The Department of Health has issued draft regulations, but has not issued final regulations to implement the new law (and ban these balloon annuities).
How does a balloon annuity work? Here is an example: An adult daughter said that a life insurance had “saved” $120,000. Her mom, Mrs. Smith, was living in a nursing home. The Medi-Cal office said she could not qualify for benefits until she “spent down” her $120,000 to less than $2,000. Only then would the State of California pay for her nursing home bill, which was $6,500 per month. The Life Insurance Agent “saved” the $120,000 by putting it in a balloon annuity. Mrs. Smith qualified for Medi-Cal Nursing Home benefits the very next day.
A “balloon annuity” is much different than the type of annuity we are all used to: An injured child receives an annuity which pays $XXXX thousand dollars per month to cover his medical care and living expenses. The balloon annuity, however, pays a very tiny sum per month, with one huge payment coming on the last month of the annuity period. Mrs. Smith’s annuity paid on $48 per month for 95 months. This is because 96 months is Mrs. Smith’s actuarial life expectancy based upon the life expectancy tables compiled by the Social Security Administration. For an annuity to qualify under Medi-Cal rules, it must pay out over the actuarial life expectancy of the elder (not the actual life expectancy). The $48 per month had to be paid to the nursing home as partial reimbursement for Mrs. Smith’s care. But on month 96, the $120,000 will be paid back in one lump “balloon”. But paid back to whom? In my opinion this technique is a “crap shoot” that the elder (who is ill and living in a nursing home) will pass away before the 96 months has elapsed. So the heirs put this $120,000 in their pocket.
This is one loophole that SB 483 is trying to close. So that if an elder buys an annuity, it must pay out in substantially equal payments over the actuarial life expectancy of the elder: $1250 per month (plus interest) instead of $48 per month.
In my opinion, these balloon annuities are not good for our elders. Since they are irrevocable, unassignable and nontransferable, the money is essentially unavailable for the elder’s use until the time comes for the balloon payment to be made. Mrs. Smith’s adult daughter told me that she really wanted to go see her mother, who was living in a nursing home in Kingsburg. But she did not have a car. She asked if she could borrow some money from the $120,000 annuity to buy a “sturdy used car” so she could go visit her mother (who lives an hour away). The answer is that this money was not available for anyone’s until the 96 months has elapsed. And the real tragedy was that Mrs. Smith was entitled, under Medi-Cal rules, to own one car. The life insurance agent could have advised Mrs. Smith to buy a sturdy used car for her daughter’s use. But a $10,000 used car would cost the life insurance agent $800.
Yes, you heard that correctly. There is an 8% commission on these balloon annuities. The life insurance agent made a commission of $9,600 on Mrs. Smith’s balloon annuity. But, in my opinion, these annuities are downright unsuitable when one is sold to a family who has no intention at all of applying for Medi-Cal nursing home benefits.
An adult daughter, Ms. Jones, contacted me and said she was being pressured to take $100,000 in cashier’s checks out of her “papa’s” CD’s and to buy a balloon annuity. The life insurance agent told her that this was the only way her father could be awarded Veterans Administration benefits for her 86 year old papa.
This man had served in World War II. He had dementia and was living with his daughter. She was retired and she was now his full time caregiver. She heard that she could receive $1644 per month, from the VA, to help care for her father in her own home. This was true enough. But she had point blank told the life insurance agent that she would never put her papa in a nursing home. But the life insurance agent was pressuring her to put $100,000 in a balloon annuity which would have tied up all of papa’s money for over five years. I was able to help the family receive an award of $1644 per month from the VA to help pay for his care at home. This $1644, plus his Social Security, helps a great deal
Still, Ms. Jones would like to take a break now and then. She likes to take a weekend and visit her son and grandkids in the Bay Area.
There are assisted living facilities which provide temporary care for loved one’s when the caregiver needs a break. This is called respite care. Ms. Jones feels her father is well taken care of when she checks him into respite care. But this would not be possible had she locked up all of papa’s money in a balloon annuity.
I helped the family set up a Veterans Administration Qualification Trust. So papa’s money is available for his use. It is an acceptable use of his money to pay for three days of respite care so his fulltime, 24/7, caregiver can get a short break…
In summary, I believe that these balloon annuities are not good for our elders. Evidently, Governor Schwarzenegger and the Legislature agree. Please write Governor Brown, your Assemblyman and your State Senator. Encourage them to encourage the Department of Health to put final regulations into effect and to implement SB483 into law.
Additional info: If you would like more information about your specific needs, please fill out the form and mail back to Gilbert Fleming. Questionnaire Rev. 8-10-12
We want to hear from you!
755 N. Peach Ave., Office H-4
Clovis, CA 93611


What does a composition agreement entail?
For companies in financial distress, the use of a composition agreement can offer a solution. The aim is to offer creditor(s) an agreement to pay a percentage of the claim in exchange for final discharge.
Although in principle this appears to be disadvantageous for the creditor(s), avoiding bankruptcy means that a higher percentage of the claim can ultimately be repaid.
It is then up to the debtor to persuade the creditor to agree to the agreement by making him an attractive offer. Given that the contents of the composition agreement are not predetermined, shares can also be offered to settle the claim.
Cost savings by foregoing a collection procedure or making a payment arrangement are reasons why the creditor would accept the agreement. Doing so can prevent a possible bankruptcy.
The in-court bankruptcy agreement
If this agreement is reached without the intervention of the court, it is called an extrajudicial agreement. If, however, the agreement is offered when there is a:
suspension of payments;
a statutory debt restructuring scheme or;
then it is called a judicial agreement.
If half of the creditors, who together represent half of the outstanding debts, agree to the composition at the creditors’ meeting, the composition becomes binding for all creditors after ratification by the court.
This ratification by the judge is called homologation. For more information, read ‘the bankruptcy agreement‘.
Extrajudicial composition agreement
The creditors are not obliged to accept the offer in the case of the extrajudicial agreement of creditors. They retain the right to demand the claim in full.
This may result in creditors who do not accept the offer gaining an advantage over creditors who do accept the offer.
It is therefore necessary to present the offer in a manner that is most beneficial to each of the parties. It is also very important for the creditor to have enough information to assess the agreement thoroughly.
Relevant questions for this are:
What are the debts?
What are the debtor’s financial prospects?
Can the debtor itself fulfil the obligations laid down in the agreement?
Or is a third party financing the debts?
In short, a composition agreement that contains the right information can save the company from bankruptcy.
The tax authorities are also often willing to cooperate with the composition agreement. Given that they are preferential creditors, they do say that they want to see double the percentage of the claim reimbursed, compared to the unsecured creditors. This is also included in the guidelines that are part of the collection guideline.
Need an insolvency lawyer? Bring in VIOTTA
Since the content of the agreement is free of form, it is wise to hire a lawyer before concluding the agreement. If you or your company has to deal with bankruptcy or an agreement, we are happy to help. Our lawyers have gained a lot of experience by working on the largest bankruptcies in the Netherlands.
Do you want to get in contact with VIOTTA?


4B/2B -- four bedrooms and two bathrooms. "Bedroom" usually means a sleeping area with a window and a closet, but the definition varies in different places. A "full bathroom" is a room with a toilet, a sink and a bathtub. A "three-quarter bathroom" has a toilet, a sink and a shower. A "half bathroom" or powder room has only a toilet and a sink
assum. fin. -- assumable financing
closing costs -- the entire package of miscellaneous expenses paid by the buyer and the seller when the real estate deal closes. These costs include the brokerage commission, mortgage-related fees, escrow or attorney's settlement charges, transfer taxes, recording fees, title insurance and so on. Closing costs are generally paid through escrow.
CMA -- comparative market analysis or competitive market analysis. A CMA is a report that shows prices of homes that are comparable to a subject home and that were recently sold, are currently on the market or were on the market, but not sold within the listing period.
contingency -- a provision of an agreement that keeps the agreement from being fully legally binding until a certain condition is met. One example is a buyer's contractual right to obtain a professional home inspection before purchasing the home.
expansion pot'l -- expansion potential mean that there's extra space on the lot or the possibility of adding a room or even an upper level, subject to local zoning restrictions.
fixture -- anything of value that is permanently attached to or a part of real property. (Real estate is legally called "real property," while movables are called "personal property.") Examples of fixtures include installed wall-to-wall carpeting, light fixtures, window coverings, landscaping and so on. Fixtures are a frequent subject of buyer and seller disputes. When in doubt, get it in writing.
frplc, fplc, FP -- fireplace
hi ceils -- high ceilings
in-law potential -- potential for a separate apartment, subject to local zoning restrictions
large E-2 plan -- this is one of several floorplans available in a specific building
listing -- an agreement between a real estate broker and a home owner that allows the broker to market and arrange for the sale of the owner's home. The word "listing" is also used to refer to the for-sale home itself. A home being sold by the owner without a real estate agent isn't a "listing."
lo dues -- low homeowner's association dues. But find out how "low" the dues are compared to other dues in the area.
lock box -- locked key-holding device affixed to a for-sale home so real estate professionals can gain entry into the home after obtaining permission from the listing agent
lsd pkg. -- leased parking area. May come with additional cost.
MLS -- Multiple Listing Service. An MLS is an organization that collects, compiles and distributes information about homes listed for sale by its members, who are real estate brokers. Membership isn't open to the general public, although selected MLS data may be sold to real estate listings Web sites. MLSs are local or regional. There is no MLS covering the whole country.
pwdr rm -- half bathroom or powder room
REALTOR® -- a real estate broker or sales associate who is a member of the National Association of REALTORS®. Not all real estate agents are REALTORS®.
title insurance -- an insurance policy that protects a lender's or owner's interest in real property from assorted types of unexpected or fraudulent claims of ownership. It's customary for the buyer to pay for the lender's title insurance policy.


Estate planning is the process of creating a plan for managing and distributing your assets during your lifetime and after your death. Estate planning involves considering various factors such as tax implications, personal values, family dynamics and financial goals, in order to create a comprehensive plan that aligns with your unique needs and goals.
Estate planning can be done in the following steps:
- Asset Inventory: This involves creating a comprehensive list of all of your assets, including real estate, personal property, financial accounts, life insurance policies and any other assets that you own.
- Estate Evaluation: This involves determining the value of your assets and calculating the amount of taxes and other costs that may be incurred during estate administration.
- Goals and Objectives: This involves determining your personal and financial goals and objectives, and deciding what you would like to happen to your assets after your death.
- Choosing Estate Planning Tools: This involves selecting the estate planning tools that are best suited to your needs and goals. Estate planning tools include wills, trusts, powers of attorney and health care directives.
- Creating a Will: A will is a legal document that outlines your wishes regarding the distribution of your assets after your death. It also specifies who you would like to act as your executor and make decisions regarding your estate.
- Trusts: Trusts can be used to manage and distribute assets, reduce taxes and protect assets from creditors. There are several different types of trusts, including revocable trusts, irrevocable trusts, living trusts and charitable trusts.
- Powers of Attorney: Powers of attorney are legal documents that grant someone the authority to make decisions and act on your behalf in case you become incapacitated. There are two types of powers of attorney: durable powers of attorney and springing powers of attorney.
- Health Care Directives: Health care directives, such as living wills and health care powers of attorney, allow you to specify your wishes regarding medical treatment if you become incapacitated.
- Estate Tax Planning: Estate tax planning involves considering the impact of taxes on your estate and making any necessary changes to your estate plan in order to minimize tax liability.
- Estate Administration: Estate administration is the process of distributing your assets and settling your estate after your death. This involves paying any debts and taxes, distributing assets according to your wishes, and ensuring that your estate is properly administered.
It is important to review your estate plan periodically and make any necessary updates as your personal and financial circumstances change. Estate planning can be a complex and emotional process, but with the help of an attorney and financial advisor, you can ensure that your wishes are honored and your assets are protected.
In conclusion, estate planning is an important aspect of personal finance and should be a priority for anyone who wants to ensure that their assets are managed and distributed according to their wishes. Estate planning can help you minimize taxes, protect your assets, ensure that your loved ones are taken care of, and give you peace of mind. By creating a comprehensive estate plan, you can ensure that your legacy is preserved and your assets are distributed according to your wishes.


After creating a Youtube channel, consistently uploading high quality videos, and even engaging your audience, it is possible to begin to make money on Youtube. You can earn money with Google Adsense on Youtube. This is what this article is going to tackle – where to start, and the steps that will help you do so successfully.
Before we delve into how to make money with Youtube videos, it is important to understand what Google AdSense is and how it works.
An overview of AdSenseAdSense is Google’s primary advertising engine. It is used on Google’s sites and even partner sites, for instance, Youtube. Through the service, Google matches relevant advertisements with Youtube channels. This reduces the work of establishing relationships with various companies who would be interested in advertising their products on your channel, as this is automated via AdSense.
How AdSense worksIn a nutshell, you get paid when viewers click on an advertisement on your Youtube channel or even on one of your videos. Advertisers usually bid on the advertisement space on videos provided by Youtube channels that are monetized. The highest bidder gets their advertisement shown in a banner, or in a pre-roll video on your videos or in the side bar on Youtube channels. When a viewer clicks on a video advertisement, the company that owns the advertisement is charged, and you receive a percentage of the money that they have paid to Google for the ad space.
How to earn money with Google Adsense on YoutubeA single view will only earn you a few cents. However, if many people view the pre-roll advertisements or click on the banner advertisements, this can add up to a substantial amount. This means that you must work to build a large audience. This way, more people will become interested in the products or services being advertised.
1. How to set up for monetizationTo make money on Youtube with Adsense, you need to set up your channel and videos for monetization. You need to be a Youtube partner to do this. You must also check to ensure that your channel is eligible. If you live in Russia, Ukraine, or Turkey you must apply to become a Youtube partner.
a. Enabling your channel for monetization
- Go to your account settings
- Open the monetization tab
- Click 'enable my account'
- If your account is not eligible, this option will be unavailable
- Follow the steps and accept the monetization agreement.
b. Monetizing the videosEnsure that the video meets the video monetization criteria. There are two options. You can enable monetization during upload or after.
* During upload
- Click the monetization tab on the upload page
- Check 'monetize my video'
- Select the ad formats you want to enable for the video
- Click 'save changes'
* After upload
- From the channel video manager
- Locate the video
- Click 'edit' or '$'
- On the monetization tab, check 'monetize my video'
- Select the ad formats you will enable for the video
- Save changes
2. How to link your Youtube channel with an AdSense account.In order to make money With Youtube Videos via Adsense, the last step entails linking the channel with an Adsense account. The former requires you to input payment information and tax information as well, for example, a social security number or an employee ID number (EIN). You can create an Adsense account or link your channel to an already existing one. However, this account must be approved.
If your AdSense account is already approved:
- Go to the 'monetization' page on your channel settings
- Go to 'How will I be paid?'
- From the AdSense association page, follow the next step
- Select 'yes'
- Go to Google account 'sign in'
- Choose the Google account you want to choose
- Enter its password
- Accept the association
- Wait for your account to be activated
Tips to make money on Youtube via AdSenseAfter ensuring that your channel and videos are monetized, and that you have linked your channel with an AdSense account, here are tips to ensure that you actually earn money with Google Adsense on Youtube:
- Growing your audienceAs aforementioned, you need to grow your audience, if you are to make money with Youtube Videos via AdSense. Before you even think of monetizing your channel and videos, ensure that you have an audience of at least 5,000 subscribers, 1,000,000 upload views and 50,000 channel views. You can be accepted with less, but these statistics will increase your chances of being accepted. Moreover, these numbers will also increase the chances of the ads being clicked on, increasing your revenue.
- Posting regularlyIf people like the videos, they will seek fresh content. If they share the videos, more viewers will visit your channel, increasing the chances of them clicking on the ads, thus increasing your chances to earn money with Google Adsense on Youtube.
- Being professionalOne way of being professional is via creating a brand name for your videos. Viewers will remember how to find your work. Creating a website also adds to the professionalism.
ConclusionYou now have the entire procedure of how to make money With Youtube Videos via AdSense. It is not easy, but it is worth it. When working with Youtube, always ensure that the content you use is not copyrighted by others. This includes background music. To make money on youtube, always use your own ideas. Something else that you must never do if you want to earn money with Google Adsense on Youtube is clicking on your ads to increase your revenue. This could result in being banned from using AdSense, losing your platform to make money With Youtube Videos.
Ok. If you have any questions, please comment in the area below. Thank you so much!


Proudly Kenyan owned , Alternative Capital Ltd is a registered lending company which is making it easier for businesses to start up , expand and create jobs. The company was formed for the purpose of providing fast and convenient loans to overcome any short-term financial hurdles, while also offering financial advice to help our clients reach a better financial position We pride ourselves on offering SME’s and individuals alike the fastest cash loans possible – and when we say fast, we mean fast! The entire loan approval process can be completed as quickly as 60 minutes, with the money showing up in your account within 10 minutes of your loan being approved.
At Alternative Capital, we set out to provide our clients with the absolute best cash loan service possible, with a customer-focused team that endeavors to make the entire process as easy and stress-free as possible. So whether you have an urgent bill that needs to be tended to, goods that need to be cleared at the port, something vital that you need to purchase or pay for, or even if you’re simply stuck for cash, Alternative Capital is the company you need to talk to! As Kenya’s first choice in lending solutions, Alternative Capital ensures that we offer you financial assistance that works for you – part of which is making sure that all of our costs and fees are completely transparent, so that you are fully aware of exactly what you will need to pay. We don’t believe in hidden costs and tricky fines


We are committed to supporting families and individuals on their journey with AUTISM SPECTRUM DISORDER. 100% of your donation will go directly to therapy programs.
Donate – Named after our inspiration, the Ka’eo Griffin, Jr LOVE covers costs incurred by parents whom attend the Son-Rise Program training at the Autism Treatment Center of America in Sheffield, MA. This donation goes directly to the 501c3 organization and is tax deductible. Please visit the Autism Treatment Center of America and let them know that Jr, Glenn, & Ka'eo sent you!
*additionally 10% from your purchase will go towards our LOVE Scholarship.
The Autism Treatment Center of America (ATCA)
We are committed to helping real families on their journey with autism. 100% of your donations will go directly to offsetting admission costs for parents attending the ATCA.
The majority of autism treatments are not covered by health insurance. We recognize the financial struggle most families of people with autism face. Not everyone can afford to help their children reach their full potential.
That is why Autistic Love Society has pledged 10% of all profits to go directly to scholarships and support. That means every purchase makes a difference! That said, you donations will make the most dramatic impact in lives of these families.
Or you can also help by the following message below:
Did you know you can give hope and empowerment to others every time you shop on Amazon.com? You can donate to the Option Institute & Autism Treatment Center of America without spending a single extra penny!
Simply go to Amazon Smile
Sign into your Amazon account
On the next page enter “Option Institute” — find them as your charitable institution – click “Select” and you’re done!
Whenever you shop on Amazon, sign into smile.amazon.com and a small portion (.05%) of the money you spend on Amazon.com will be donated to them!
This is a great benefit to them that costs you nothing.
Thank you for your love and support!!!


On April 11, Manitoba’s government released the 2017 budget, its spending plan for the coming year.
Lake Winnipeg was not specifically mentioned in either Finance Minister Cameron Friesen’s speech or the budget summary.
Water-related spending appears on page 18 of the budget summary, nested under strategic infrastructure. This spending includes a $60 million investment in water-related infrastructure such as flood protection, drainage and other water-control initiatives, and represents a 33 per cent increase from the 2016/17 budget.
Funding for Sustainable Development – the provincial...
LWF publishes a newsletter, The Watershed Observer, twice a year. Our most recent edition includes information on our emerging community-based monitoring network, details about groundbreaking microplastics research made possible through our grants program, and helpful tips on how you can speak up for water by reaching out to decision makers.


The primary responsibility of the Board is to represent and advance Shareholders' interests and to protect the interests of all stakeholders. To fulfil this role the Board is responsible for the overall corporate governance of the Company including its strategic direction, establishing goals for management and monitoring the achievement of these goals.
The responsibilities of the Board include:
- Protection and enhancement of Shareholder value;
- Formulation, review and approval of the objectives and strategic direction of the Company;
- Approving all significant business transactions including acquisitions, divestments and capital expenditure;
- Monitoring the financial performance of the Company by reviewing and approving budgets and monitoring results;
- Ensuring that adequate internal control systems and procedures exist and that compliance with these systems and procedures is maintained;
- The identification of significant business risks and ensuring that such risks are adequately managed;
- The review and performance and remuneration of executive directors and key staff;
- The establishment and maintenance of appropriate ethical standards; and
- Evaluating and, where appropriate, adopting with or without modification, the ASX Corporate Governance Council's Corporate Governance Principles and Recommendations.
The Board recognises the need for the Company to operate with the highest standards of behaviour and accountability. Subject to the exceptions outlined below the Company has adopted the ASX Corporate Governance Council's Corporate Governance Principles and Recommendations to determine an appropriate system of control and accountability to best fit its business and operations commensurate with these guidelines.
The following statements, policies and procedures set the framework for the Company’s corporate governance practices:
- Corporate Governance Statement
- Board Charter;
- Policy and Procedures for selection and appointment of new directors;
- Code of conduct for Company executives;
- Securities Trading Policy;
- Audit Committee Charter;
- Summary of procedure for selection of external auditor and rotation of external auditor;
- Continuous Disclosure Policy;
- Shareholder Communications Strategy;
- Risk Management Program;
- Remuneration Committee Charter; and
- Process for performance evaluation of the Board, board committees, individual directors and key executives.
As the Company’s activities develop in size, nature and scope the implementation of additional corporate governance structures will be given further consideration.
In addition to the above, Orinoco is:
- Committed to operating in a safe and responsible manner, respecting the health of our employees, the environment, and the communities in which we operate.
- Committed to the highest standards of personal, professional and ethical behaviour.
The Board sets out below its "if not, why not" report in relation to those matters of corporate governance where the Company's practices depart from the recommendations.
Recommendation reference -
|ASX Guidelines||ASX Principle||Explanation for Departure|
The Board should establish a policy concerning diversity
| The Company does not have an express policy specifically addressing the achievement of gender diversity, however will consider adopting a policy in the future. The Company’s Corporate Governance Plan includes a corporate code of conduct, which provides a framework for undertaking ethical conduct in employment. Under the corporate code of conduct, the Company will not tolerate any form of discrimination or harassment in the workplace.
|2.1||The Board should establish a nomination committee||The Board has no formal nomination committee. Acting in its ordinary capacity from time to time as required, the Board carries out the process of determining the need for, screening of and appointing of new Directors. In view of the size and resources available to the Company, it is not considered that a separate nomination committee would add any substance to this process.|
|2.4||A majority of the Board of a listed entity should be independent directors||Given the Company’s present size and scope, it is currently not company policy to have a majority of independent Directors. Directors have been selected to bring specific skills and industry experience to the Company. The Company currently has three (3) Directors who are deemed to be independent and three (3) who are deemed to be non-independent due to their executive agreements with the Company and relationships with a material supplier, customer or shareholder of the Company. Independence is determined in accordance with the Company Independence policy.
The chair of the Board of a listed entity should be an independent director and, in particular, should not be the same person as the CEO of the entity.
The current chair of the Board is not an independent Director, however given the changes to the Board and management of the Company during the 2017 reporting period, the Board considers him to be the most appropriate person to chair the Company given his commitment to and knowledge of the Company’s business. The chair of the Board is not the same person as the CEO of the Company


How to Write a Business Plan PDF
290 Pages·2010·3.02 MB·5619 Downloads·English
“How to Write a Business Plan” by Mike McKeever is a comprehensive guide to creating a successful business plan for entrepreneurs and small business owners. The book provides a step-by-step approach to creating a well-crafted business plan that can be used to attract investors, secure financing, and guide the growth of a new business.
The book begins with an introduction to the purpose and benefits of a business plan. The author stresses the importance of having a clear and concise plan that outlines the goals, strategies, and financial projections of the business. He also explains how a well-crafted plan can help entrepreneurs avoid common pitfalls and increase the chances of success.
The author then provides a detailed overview of each section of a business plan, including the executive summary, company overview, market analysis, marketing and sales strategies, operations plan, financial projections, and appendices. Each section is explained in detail, with practical tips and examples provided to help readers craft a compelling plan.
One of the strengths of the book is its emphasis on the importance of research and analysis in creating a successful business plan. The author provides a detailed guide to market research, including how to analyze industry trends, target customer demographics, and evaluate competitors. He also offers practical advice on how to develop effective marketing and sales strategies, including how to identify target markets, create a brand identity, and develop pricing and distribution strategies.
The book also provides a comprehensive guide to financial projections, including how to create realistic sales and expense forecasts, develop profit and loss statements, and create cash flow projections. The author emphasizes the importance of creating a detailed and accurate financial plan, as this is often a key factor in securing financing and attracting investors.
Finally, the book provides practical tips on how to present a business plan to investors or lenders. The author offers advice on how to create effective pitch decks, prepare for investor meetings, and negotiate financing terms.
“How to Write a Business Plan” has received high praise from entrepreneurs and business experts. The book has been hailed for its practical approach, clear writing style, and comprehensive coverage of all aspects of business planning. Many readers have reported using the book to successfully launch and grow their own businesses.
In summary, “How to Write a Business Plan” is an essential resource for entrepreneurs and small business owners who want to create a successful business plan. The book provides a step-by-step approach to creating a well-crafted plan that can be used to attract investors, secure financing, and guide the growth of a new business. Whether you’re just starting out or looking to take your business to the next level, this book is a must-read for anyone who wants to succeed in the competitive world of business.


THE NATURAL WEALTH OF NATIONS
First, we can stop throwing away an estimated $650 billion a year in government subsidies worldwide that fund actions that harm the environment and cost consumers and taxpayers - even as they slow economic development and reduce employment.
Second, we can shift taxes, easing up on activities we say we want more of, like work and investment, and getting the tax revenues we need by raising taxes on activities we want to discourage, like burning fossil fuels or producing toxic wastes.
Special interests have all too often had the power to block such economically and environmentally sensible changes in fiscal policy. But by being smarter about explaining the benefits of these changes, we can build a broad-based coalition of labor unions, consumers, service industries, and manufacturers of environmentally protective goods and services that can take on entrenched special interests.
Combining cuts in subsidies and tax shifting would free up $1.5 trillion worldwide, funds that could be used to cut taxes on wages and profits by up to 15 percent - without changing overall tax revenues.
In the U.S. a family of four would get a net income tax cut of $2,000.
Polls already show overwhelming support for tax shifting. Six European nations have already cut taxes on work and investment and shifted the tax burden to air pollution, fossil fuels, or landfilling.
To order, call (800) 555-2028. Visit our website at www.worldwatch.org.
(Reprint, Worldwatch Institute, 1776 Massachusetts Ave., NW, Washington, DC 20036)
Copyright © 1996. The Light Party.
Your Feedback is important to us. Please send us E-Mail.
Our E-mail address is email@example.com
Back to Eco-nomics Directory


Patient Charges Non NHS Services
It has come to our attention that many of our patients are not aware of the additional charges that can be made in regards to some services provided by the practice.
Some administrative services that we offer are not provided by the NHS and we then charge for these services as outlined below. The cost of these services is in line with British Medical Association guidance.
We want to make our patients aware of these charges so they can make an informed decision regarding any paperwork submissions going forward.
Please see below some of the services and the costs outlined below:
Forms e.g. holiday cancellation, occupational questionnaires, Insurance claims, Firearm Licence renewals etc.
Private Sick Note (e.g. For an employer)
Short letter from the Doctor
Detailed letter from the Doctor
Disabled Students Allowance
Disabled Bus Pass Application
Full Insurance Reports
Medicals (Pre Employment/HGV/Taxi/Bus)
*Other additional services may also be chargeable depending on the request, please ask in the surgery and a member of the management team will confirm prices*
Any paperwork will only be signed off and completed once payment has been via cheque or cash in reception.
You will be contacted directly once your paperwork is ready for collection.
PLEASE BE AWARE: Charges may be subject to change at the discretion of the management team
We DO NOT offer the following:
-'Fit to fly' Notes
-'Fit to compete/run'notes for marathons, running competitions and other competitive events
-Letters for re housing applications from patients (we will however consider applications directly from landlords/housing associations etc. but there may be a fee
-Direct letters regarding change in benefits (again we will only deal with official paperwork provided by DWP or other relevant agencies)
If you have any queries or questions regarding these charges or services please contact Murdishaw Health Centre directly and a member of the team will do their best to help you.


The faster, more reliable way to send money anywhere
The fast, reliable and cost-effective international payments
platform for your business.
Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Fill in the details of your recipient’s bank account. If you don’t know their details, we can request them for you.
For currency transfer, we need a photo of your ID. This helps us keep your money safe
Send your money with a bank transfer, or a debit card.
We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.
Download our app and get a great rate for your money.


SINGAPORE — Shares in Asia-Pacific were mixed in Tuesday trade, with Chinese search giant Baidu making its debut in Hong Kong.In Japan, the Nikkei 225 edged 0.53% higher while the Topix index gained 0.33%. South Korea’s Kospi slipped fractionally.Mainland Chinese stocks dipped as the Shanghai composite shed 0.21% while the Shenzhen component declined 0.287%. Hong Kong’s Hang Seng index was little changed.Shares in Australia inched higher, with the S&P/ASX 200 rising 0.26%.MSCI’s broadest index of Asia-Pacific shares outside Japan traded 0.15% higher.In corporate developments, Baidu’s stock began trading in Hong Kong on Tuesday, with shares rising more than 1% in early trade from their issue price. The firm joins a long list of U.S.-listed Chinese tech companies that have done secondary offerings in Hong Kong, including Alibaba and JD.com.Tech stock watchMeanwhile, technology stocks in Asia-Pacific were mixed in Tuesday morning trade. Shares of Japanese conglomerate Softbank Group gained 0.17% while South Korean industry heavyweight Samsung Electronics advanced 0.12%. LG Electronics, on the other hand, fell 2.9%.Over in Hong Kong, shares of Tencent nudged 0.47% higher while Alibaba dipped 0.26%.The moves in regional tech stocks came after their counterparts stateside rallied overnight amid declining bond yields, with the tech-heavy Nasdaq Composite jumping 1.23% to close at 13,377.54.Other major indexes on Wall Street also rose on the day: The S&P 500 advanced 0.7% to 3,940.59 while the Dow Jones Industrial Average climbed 103.23 points to 32,731.20.The moves stateside came as the 10-year Treasury yield declined 5 basis points to around 1.68% (1 basis point equals 0.01%), following a 14-month high touched last week. It last stood at 1.6964%.Currencies and oilThe U.S. dollar index, which tracks the greenback against a basket of its peers, was at 91.829 — still above levels below 91.5 seen last week.The Japanese yen traded at 108.84 per dollar, stronger than levels above 108.75 against the greenback seen last week. The Australian dollar changed hands at $0.7726, still off levels above $0.78 seen last week.Oil prices declined in the morning of Asia trading hours, with international benchmark Brent crude futures down 0.99% to $63.98 per barrel. U.S. crude futures shed 0.96% to $60.97 per barrel.— CNBC’s Arjun Kharpal contributed to this report.Correction: This article was updated to accurately reflect the level of the U.S. dollar index.


Binomo broker is fully cooperating with customers worldwide, ensuing the most exciting, profitable and exclusive trading conditions with unbeatable returns up to 95% per trade. Transparency being an integral part of its operations you can be sure of up-to-date market quotes and ease of deposits and withdrawals. This allows for a high degree of trust and reaffirms its positive investment climate. Placing a trade with the binomo platform is easy. However, you have to analyze the market carefully before placing trades. Those who are new in this field, still don’t know how to place a trade on Binomo platform. So, you can follow these below steps to open a contract and get profit. So the best way to trade at Binomo platform is to avoid 30-second transactions. Do you often listen to ads for making money in 30 seconds with Binomo? Forget this right away. Because if you trade short, the price may be affected by the platform so you could lose money very quickly. Trading platform Binomo Is Binomo a multi-level finance? Too many multi-level finances have appeared recently ... Before you place a trade you know exactly how much you stand to gain if your prediction is correct, usually 70-95% – if you invest $100 you will receive a credit of $170 – $195 on a successful trade. This makes risk management and trading decisions much more simple. The outcome is always a Yes or No answer – you either win it all or you lose it all – hence it being a “ binary ... How to trade on the Binomo platform - a technical guide. CryptoCompare 17 Sep 2017 Financial trading with binary options has become one of the most advanced and profitable method of obtaining a stable income online. However, many potentially successful investors do not dare to make a career for themselves in this field due to their lack of special knowledge and experience in trading on the ... Moreover, Binomo is a trading platform that allows you to trade options and forex. You can perform trade using different winning strategies. You can use this strategy on different broker’s platform. We choose here Binomo, as we have a noticeable number of traders who trade through this platform. So, this blog post will help you to know how to ... Binomo originally had a $1 minimum trade size and a $1,000 maximum trade size. They then raised this to $2 minimum and $2,000 maximum. Since then, they have dropped it right back down to $1 and $1,000 respectively. This is sensible and in keeping with the small account holders that Binomo is targeting with its services. After all, you only have to deposit $1,000 to get a VIP account with top ... I have known Binomo by my friend’s recommendations since I looked for a broker to trade forex. I joined Binomo in 2015, and I have great experience with this broker! I opened a classic account with them and I have not had any issue. Although, sometimes there has slow connection, when I trade but it’s not big issue to me, as far as I can make money with no problem in withdrawing of profits ... We will update this review if the status of Binomo for Canadians changes. The good news is, there are many great alternatives to Binomo available to you in Canada! Our #1 platform for you is: Swiss Markets. You can register an account there to trade Forex in Canada. - Visit Binomo Anyway - List of all Canada Forex Broker Reviews - Change Country Terms of trade with Binomo. A perfect free training block, continues update of analytical materials and the number one is that this company can become the best choice for novices as it offers to them the lowest trade limit: minimal deposit of $5 and minimal transaction of $1. There is a free demo account available for novices, strategies proven ...
[index]
Binomo Best 100% profitable winning strategy - Duration: 5:30. Online Trading Strategy 5,644 views. 5:30. Best FX Trading Strategies (THE Top Strategy for Forex Trading) - Duration: 32:00. ... »Link Registrasi BINOMO https://bit.ly/2XJLYbu Halo Trader, pada video ini gua mau berbagi strategi trading Binomo pada mata uang OTC yang hanya ada di Akhir Pekan. Gua disini pake Indikator MACD. Register On Binomo: https://bit.ly/2qeQ50g Join Telegram Channel for More Hidden Tricks : https://telegram.me/DropoutEngineer If you are forex trader and wan... We look at real-world examples as to how the signals and indications can lead to profitable trades. Discover the best Binary and Forex indicator for your trading strategy so you can improve your ... Simple Forex Trading Strategy: ... Best Trend Lines Trading Strategy (Advanced) - Duration: 28:55. Wysetrade 802,802 views. 28:55. 25 Year Old Millionaire Stock Trader Alex Temiz Q+A at SMB ... Practice FOREX - FREE or REAL at: http://www.avatrade.com/?tag=75842 Forex Scams: https://www.youtube.com/watch?v=eTiXEEBIQnI PART 2: https://www.youtube.com... Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube. The Best Times to Trade the Forex Markets. Subscribe if you want to learn while being entertained. Please like the video and comment if you enjoyed - it ... 🚨🚨Trading Performance 🚨🚨 Improve Your Trading Performance at our Fundamental Trading Academy https://www.toptradersfx.com/academy (Our Academy is 1v1 ... 100% Accurate Trading System 🔥 Best Indicator For Forex Trading 🔥🔥 Free Download 2020 🔥🔥🔥 - Duration: 11:08. POWER OF TRADING 2,171 views 11:08


Easibooks online bookkeeping services save you time, money and hassle.
Beginning of each month, you send bills, invoice, receipts, payments, statements, employee data and other information by mail, fax, email or upload it to our user-friendly document sharing portal.
We record, categorize, reconcile transactions and update your books. If we have questions, we will contact you for missing documents or clarifications.
You get monthly profit and loss, balance sheet, cash flow statements and other relevant reports to help you make informed business decisions. If you need clarifications, no problem! Just email your dedicated bookkeeper.
For the first month, your dedicated bookkeeping pro will review financial reports, analysis and document collaboration process with you. After that, you will be able to communicate with you dedicated bookkeeper when you have questions or input.
Easibooks is you, your dedicated bookkeeper, beautiful bookkeeping software, document management and collaboration tools, and online bookkeeping services.
No more waiting for your bookkeeper to call back. Easily communicate with your bookkeeper to get the information you need for making decisions.
Access your financial dashboard, drill down on transactions, get reports and analysis you need to run your business anytime, anywhere!
Our streamlined document sharing, collaboration and communication process makes bookkeeping fast, easy and affordable.
Best in class software, easy navigation and contextual online support eliminates bookkeeping pain and puts you in control of business finance.
Let an Easibooks pro take on your bookkeeping challenges and guide your business to higher profitability.


Record construction equipment sales in 2021
23 March 2022
Download your one-page guide to the key headlines.
Record sales in 2021
Global construction equipment sales grew +10 per cent last year. High demand and long lead times mean a similar volume of equipment is forecast to be sold in 2022.
Global construction equipment sales rose 10 per cent in 2021 to a new record of 1,196 million units, according to Off-Highway Research’s newly updated Global Volume & Value Service. A -5% fall in demand is expected this year, but that would still give 2022 the second highest sales volume on record.
Off-Highway Research managing director, Chris Sleight said, “The combination of low interest rates, stimulus spending on infrastructure and high commodity prices last year was a heady combination for the construction equipment market. Residential construction is booming, there is strong demand for equipment from mines and the pipeline of infrastructure work looks solid.”
All major markets of the world grew last year, with the exception of China. Some of the most robust growth was seen in North America (up 25 per cent) and Western Europe (up 22 per cent), while emerging markets, excluding India and China, were up 24 per cent.
Sleight said, “Equipment sales in China have moved to a different rhythm to the rest of the world since the start of the Covid pandemic. China quickly put stimulus in place at the start of the global pandemic in March 2020. As a result it saw 30 per cent growth in its equipment sales last year, to take the market to volumes which had not been seen for a decade.
“However, this stimulus push was soon spent and equipment sales started to fall in the second quarter of 2021. Although the downturn was steep, the extremely high volumes of equipment sold in the first quarter had an offsetting effect, and the market as a whole fell only -6 per cent overall in 2021.”
Forecast for 2022
The outlook for this year remains upbeat, with further equipment sales growth expected in many countries, again with the exception of China. “As has been widely reported, demand for construction equipment globally is much higher than can be met by the available supply, while shipping bottlenecks are an unwelcome contributor to long lead times. Many manufacturers report that they are sold out for 2022, so we expect global equipment sales to stay at high levels throughout the year,” said Sleight.
“However,” he added, “There are clearly downside risks. Inflation and the prospect of rising interest rates have been factors for several months and could be a brake on growth. More recently, Russia’s invasion of Ukraine and the resulting international sanctions have exacerbated this situation. It is too early to say how the geopolitical and economic factors will play out, but there are clearly no positives to draw from such a dreadful situation.”
Results from last year and Off-Highway Research’s updated outlook will be discussed in our Global Off-Highway Briefing webinar on 29th March. More details are available on our dedicated website.
Book your place with a credit card payment on the Off-Highway Research online store here.
If you need to pay by American Express, please book via the KHL online store here.


Osram deal to get green light soon
Countries related to sale already OK'd transaction
China will give the green light soon to a Chinese consortium's acquisition of an LED lighting unit of Osram Licht AG, after the German company gained approval from the anti-monopoly authorities in all other related countries, experts said on Monday.
The comments came after the Committee of Foreign Investment in the United States, a multiagency panel chaired by the Treasury Department, approved the 400-million-euro ($425.6 million) purchase of the German group's LED lighting unit, also known as LEDVANCE, by Chinese buyers last week.
Because LEDVANCE has assets and manufacturing facilities in a number of countries, the deal has been approved by anti-monopoly authorities in the US, Macedonia, Mexico, Turkey, Germany, Poland and Russia.
Li Gang, vice-president of the Chinese Academy of International Trade and Economic Cooperation in Beijing, said the robust growth of China's outbound direct investment would not change because current economic development requires that domestic companies use resources in global markets.
The Munich-based manufacturer of lighting products and semiconductors said the deal is still awaiting approval from China's State Administration of Foreign Exchange, the final government authority to approve the purchase.
"As China is upgrading its manufacturing ability to more advanced and internet-connected products, this deal certainly will be cleared by government branches soon to encourage domestic companies to invest in high-end, smart and green manufacturing abroad," said He Jingtong, a professor of international trade at Nankai University in Tianjin.
The Chinese consortium was formed by Sanan Optoelectronics Co Ltd, IDG Capital Partners and Yiwu State-Owned Assets Operation Center. The consortium's bid was cleared by Germany in January.
He said even through the mood for trade protectionism has grown fast since the United Kingdom's decision to leave the European Union, the German and the US governments were aware that controlling risks and cooperating with China would benefit all sides.


Earn Rewards for Future Purchases
Earn Rewards for future purchases
Spend more – get more!
For every purchase you make online at any TLA shopping site, you will earn credit rewards, These Rewards can be used like cash toward any future online purchase with us. The more you spend per purchase the more Rewards you will earn:
- Spend $1 to $99.99 - You earn 2% of your purchase in Rewards
- Spend $100 to $199.99 - You earn 3% of your purchase in Rewards
- Spend over $200 - You earn 4% of your purchase in Rewards
For example, if you place an order with us for $100 you will earn $3 in Rewards that you can apply toward a future purchase. Rewards are awarded only for the amount spent on products, not shipping or sales tax. In the event of sales, promotions, or discounts, Rewards are awarded only for the amount spent, not for the pre-discount price.
Who is eligible to earn these Rewards?
Rewards may be earned and redeemed only by our customers with a valid email address who subscribe to at least one of our email mailing lists. Subscribing to one of our email lists gives you special offers and valuable discounts!
How do I keep track of my Rewards?
When you log in at any TLA Entertainment website you will see your available Rewards directly below the shopping cart at the top of the site.
How do I spend my Rewards?
You can redeem your Rewards by selecting the "SPEND REWARDS" option in your shopping cart at the time of purchase.
Will my Rewards expire?
No. Unused rewards do not expire. However, we reserve the right to change this policy at anytime.
Can I spend my Rewards anywhere?
When are Rewards awarded?
Rewards are awarded the next business day after your order has shipped.
Contact Customer Service
Do you have a question, comment or concern? Are you still unsure about something? Contact our customer service department using the form below.


It seems like there is stigma in the software development world around looking at money as a central motivator for one’s career choices. You should instead be passionate about a company’s mission, or motivated intrinsically by a drive toward craftsmanship, or yearn for the chance to use cool technologies.
But there’s a common expression in the outside world:
Money talks, bullshit walks.
It turns out that money is a convenient shortcut to determining how much an organization values one’s contributions. And a close correlate to value is respect.
Even for someone who is not generally motivated by money in life, I believe can still find better jobs by focusing on how much a company is willing to pay.
I imagine many people have had jobs where they felt talked down to or generally made to believe they were unimportant. And along with that attitude comes other negative aspects to a job, like a crappy work environment, outdated equipment, lack of concern for one’s career goals, etc. None of us want a job like that.
If you’ve ever had a job like that, let me ask a rhetorical question: were you well-paid at that job? How was your salary or hourly wage?
Some companies try to get away with lower salaries by offering cheap perks like free sodas and snacks. Similar to car dealerships hoping people will buy a luxury car from them because they offer free car washes.
The thing about perks like that is they assume a certain naivete on the part of employees. “This company is a great place to work, because they have a free pizza lunch once a week…something that costs them a small fraction of my hourly wage.”
Perks are great, but when I find that a company is attempting to sell me on a job by heavily touting these kinds of perks—things that I could buy for myself quite cheaply—I ask myself one question:
“If they really appreciated me and the work I do, why wouldn’t they just pay me more?”
I’d argue that consciously seeking out companies that offer higher salaries and compensation is a great way to find many of the other things that make a job great, like talented co-workers, respect within the organization, and latitude in the way that one works.
When evaluating career opportunities, money is not the only voice, but it sure speaks volumes.


Joseph R. Martinetto
Executive Vice President and Chief Financial Officer
Joseph R. Martinetto is responsible for the core financial functions of financial planning & analysis, Treasury, the controllership, Investor Relations and corporate real estate. He is also responsible for corporate development and strategy, technology services, operations, information security and Schwab Bank.
Martinetto joined Schwab in 1997 as senior vice president and Treasurer. While he assumed the role of senior vice president of retail finance in 2001, Martinetto returned to the Treasury role in 2003, assuming incremental responsibility for financial planning & analysis and management information systems. He became the company’s Chief Financial Officer in 2007.
Prior to joining Schwab, Martinetto was senior assistant treasurer at Transamerica Corporation and senior vice president of Transamerica Finance Corporation. He oversaw the asset/liability management function for Transamerica, as well as managing the derivative and foreign exchange activities, capital and liquidity planning, and rating agency relationships.
From 1984 until 1996, Martinetto worked at First Interstate Bancorp in a variety of positions, including several years in Treasury as vice president and manager of long-term funding. At the time of First Interstate’s acquisition, he was senior vice president and manager of the asset and liability management department.
Martinetto has a Bachelor of Arts degree in mathematics and economics from Claremont McKenna College and a Master of Business Administration degree from the University of California, Berkeley.


You can now earn $10 in store credit for every new referral to Heartland Heritage Farms!
How you earn credit:
1. Log in to your account and click the "Referrals" tab.
2. Share your referral link on social media or any way you see fit. (Select/highlight your link, Right Click and click “Copy”)
3. When someone uses your link to create an account and pays for their first order you earn $10 in store credit. There is no limit to how much store credit you can earn. The more you share the more potential credit you can earn.
Some helpful tips:
1. Every new customer you refer will also get $10 in credit when they sign up. Use this to help incentivize people to sign up and place an order.
2. Tell people why they should try Heartland Heritage Farm meats, include a picture, or give a review. The more you engage the more referrals you will get.
3. You can track your referral stats from the referral tab under your account. From there you can see how many people clicked your link, how many referrals you have, and how much credit you've earned.
See screenshot below:
(Click on the “Referrals” tab on the left side of your screen to access your Referral Link)


Cecile is a CPA involved in real estate management and investment. She has 25 years of governance experience on the boards of TanenbaumCHAT, Jewish Family and Child, UJA Federation, Leo Baeck and others. She is the Treasurer of Beth Tzedec and a member of the Executive. She serves on the Catering, Nominations, Audit, Investment and Cemetery Committees of the shul and Chairs Budget & Finance. She is the proud parent of 3 RHA and TanenbaumCHAT grads. A member of Beth Tzedec for 20 years, Cecile looks forward to working collaboratively on the exciting challenges and opportunities ahead for our shul.


Never has the need for financial education been so critical for all students! Become equipped to confidently discuss money issues and plan for your own financial future. Learn the essentials for independent living such as budgeting, saving for a car and buying insurance. Learn how to build wealth and avoid the mistakes of others who find themselves with unnecessary debt and in bankruptcy court. Instead, learn how to develop good financial habits at an early age - habits that will allow you to Make, Manage, Multiply and Protect your money. This course is essential for a secure financial future.


Gunnison County Bankruptcy Court
Bankruptcy cases from Gunnison County are handled in the District of Colorado, United States Bankruptcy Court. The District of Colorado is a federal bankruptcy court which handles cases from the following Counties in Colorado: Adams County, Alamosa County, Arapahoe County, Archuleta County, Baca County, Bent County, Boulder County, Broomfield County, Chaffee County, Cheyenne County, Clear Creek County, Conejos County, Costilla County, Crowley County, Custer County, Delta County, Denver County, Dolores County, Douglas County, Eagle County, El Paso County, Elbert County, Fremont County, Garfield County, Gilpin County, Grand County, Gunnison County, Hinsdale County, Huerfano County, Jackson County, Jefferson County, Kiowa County, Kit Carson County, La Plata County, Lake County, Larimer County, Las Animas County, Lincoln County, Logan County, Mesa County, Mineral County, Moffat County, Montezuma County, Montrose County, Morgan County, Otero County, Ouray County, Park County, Phillips County, Pitkin County, Prowers County, Pueblo County, Rio Blanco County, Rio Grande County, Routt County, Saguache County, San Juan County, San Miguel County, Sedgwick County, Summit County, Teller County, Washington County, Weld County, Yuma County. The federal courts have 90 different judicial district across the states and U.S. territories (some states have more than one district court).Each district court has a matching bankruptcy court which handles all the bankruptcy cases arising from that jurisdiction.
Can I file my Gunnison County bankruptcy case in District of Colorado Bankruptcy Court?
If your residence is in Gunnison County or the principal place of your business is in Gunnison County, you can file your case in District of Colorado Bankruptcy Court. Additionally, District of Colorado handles cases from all of the following Counties: Adams County, Alamosa County, Arapahoe County, Archuleta County, Baca County, Bent County, Boulder County, Broomfield County, Chaffee County, Cheyenne County, Clear Creek County, Conejos County, Costilla County, Crowley County, Custer County, Delta County, Denver County, Dolores County, Douglas County, Eagle County, El Paso County, Elbert County, Fremont County, Garfield County, Gilpin County, Grand County, Gunnison County, Hinsdale County, Huerfano County, Jackson County, Jefferson County, Kiowa County, Kit Carson County, La Plata County, Lake County, Larimer County, Las Animas County, Lincoln County, Logan County, Mesa County, Mineral County, Moffat County, Montezuma County, Montrose County, Morgan County, Otero County, Ouray County, Park County, Phillips County, Pitkin County, Prowers County, Pueblo County, Rio Blanco County, Rio Grande County, Routt County, Saguache County, San Juan County, San Miguel County, Sedgwick County, Summit County, Teller County, Washington County, Weld County, Yuma County. This is referred to as the court’s jurisdiction. Because District of Colorado is a federal bankruptcy court, it has a limited jurisdiction of bankruptcy cases arising out of the above Counties. A regular case for breach of contract or tort action needs to be filed in the appropriate Colorado State Court (or District of Colorado Court).
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
In Chapter 7 bankruptcy, the non-exempt assets of the debtor are liquidated and the proceeds are distributed to the debtor’s unsecured creditors. Chapter 7 is the most simple and quickest form of bankruptcy. In 2005 amendments were made to the bankruptcy law to require a “means test” that a debtor must meet in order to be eligible to file for Chapter 7 bankruptcy. If the “means test” is failed, the case will either be dismissed or converted to a Chapter 13 bankruptcy.Chapter 13 bankruptcy allows an individual to keep all of their possessions or assets, but they must devote a portion of their future income to repay their creditors. The debtor must have a regular source of income in order to develop a plan to repay all or part of their debts. In Chapter 13 bankruptcy the payback period is between 3-5 years depending upon the amount of income the individual has.The biggest difference is that the debtor is able to keep all their possessions in a Chapter 13 filing, but must pay back their debt over a 3-5 year period.
Gunnison County Bankruptcy Court Clerk
Each bankruptcy court has its own court clerk. The court clerk’s office is where documents are filed for the bankruptcy court. The clerk’s office (or at least a part where filings are taken) is generally located in the same courthouse as the court.A court clerk can provide legal information, but not legal advice.
What is an automatic stay?
An important part of all bankruptcy filings is what is referred to as an automatic stay. By filing for bankruptcy, an automatic stay is imposed and immediately stops most lawsuits, reposessions, foreclosures, evictions, garnishments, attachments, utility shut-offs, and any debt collection.
What is a bankruptcy discharge?
A discharge in bankruptcy removes the debtor from liability for certain debts (ie. the debtor no longer has any legal obligation to pay the debts that were discharged). The discharge is permanent and prevents the creditor from further pursuing repayment of the debt or contacting the debtor. Put another way, the Debtor is no longer obligated to pay any debts that are discharged.The bankruptcy discharge is a permanent order.Once granted, the Creditor is prohibited from taking any form of collection action on a discharged debt including written communications or telephone calls with the Debtor.The discharge removes the Debtor from personal liability, but any valid lien that was not avoided in the bankruptcy case still remains.Under Chapter 7, a bankruptcy discharge may occur as soon as four months after the bankruptcy petition is filed with the clerk’s office.Under Chapter 12 or 13, the discharge occurs only after all payments under the plan which may be about four years after the bankruptcy petition is initially filed.
What is the “means test” for filing Chapter 7 bankruptcy?
If the debtor’s income is more than the state median income, they must satisfy the “means test” (If their income is less than the state median income, then they may file for Chapter 7 bankruptcy).The means test takes the the debtor’s aggregate current monthly income over 5 years, net of certain statutorily allowed expenses, is more than (i) $11,725, or (ii) 25% of the debtor’s nonpriority unsecured debt, as long as that amount is at least $7,025.The debtor may rebut a presumption of abuse only by a showing of special circumstances that justify additional expenses or adjustments of current monthly income.Unless the debtor overcomes the presumption of abuse, the case will generally be converted to chapter 13 (with the debtor’s consent) or will be dismissed. 11 U.S.C. § 707(b)(1).
Will I be required to appear in court?
A typical Chapter 7 Debtor will usually not be required to appear in court.The Chapter 7 Debtor will only have to appear in court if an objection is filed.A Chapter 13 Debtor will usually only have to appear before the bankruptcy judge at a plan confirmation hearing. A debtor usually only has to appear at a 341 meeting.A 341 meeting is a usually held at the office of the U.S. Trustee.The meeting is required under Section 341 of the U.S. Bankruptcy Code and requires a Debtor to attend the meeting so the Creditors can ask the Debtor questions about debts and property.
Do I need an attorney?
Corporations, Partnerships, or any other association are required to have an attorney.Individuals can file bankruptcy without an attorney and go “pro per” or “pro se.”But, it is very difficult to do as the rules of bankruptcy are very complex. Parties are required to follow the rules and procedures of bankruptcy court whether or not they are represented by an attorney.
What rules govern bankruptcy?
Article I, Section 8 of the United States Constitution authorizes Congress to enact laws related to bankruptcy. The rules and procedures for Bankruptcy proceedings in the United States are written in Title 11 of the United States Code. These rules are called the Federal Rules of Bankruptcy. Under the rules, the bankruptcy judge has jurisdiction to make all the decisions surrounding the bankruptcy case including eligibility and whether a debtor is entitled to a discharge. A large majority of the bankruptcy process is administrative. In certain cases (filed under Chapters 7, 12, and 13), a trustee carries out many of the administrative functions.
What are the different types of bankruptcy?
Six basic types of bankruptcy are allowed under the U.S. Bankruptcy Code.
What is a Chapter 7 Bankruptcy?
Chapter 7, sometimes called Liquidation, allows for an orderly court-supervised procedure where a trustee takes over the assets of the Debtor, reduces them to cash, and distributes the funds to Creditors.This distribution to Creditors is subject to certain exemptions that the Debtor is entitled to.Generally in Chapter 7, there is little to no assets which are nonexempt.This means generally the Creditors will not receive anything under this Chapter.These are called “no-asset cases.”A Creditor will only receive a distribution from the Debtor’s estate if the case is an asset case and the Creditor has filed proof of the claim with the bankruptcy court. Usually, in Chapter 7 cases, the Debtor is an individual and will receive a discharge that releases the Debtor from personal liability for the debts. This discharge is usually received a few months after bankruptcy is initially filed.In order for a Debtor to qualify for relief under Chapter 7, the Debtor must qualify under a “means test.”If the income exceeds a certain amount under the “means test,” the Debtor is not eligible for relief under Chapter 7.
What is a Chapter 13 Bankruptcy Case?
Chapter 13 is designed for a Debtor who has a regular source of income. Chapter 13 is preferred by most Debtors over Chapter 7 because it allows a Debtor to keep a certain asset (usually a house), and allows the Debtor to set up a “plan” to repay Creditors over a period of time (usually three to five years).Chapter 13 is also used by individual Debtors who do not qualify for Chapter 7 under the “means test.”The confirmation hearing is where the court either approves or rejects the Debtor’s repayment plan.In making its decision, the court looks to the requirements for determination under the U.S. Bankruptcy Code.Chapter 13 is different from Chapter 7 because the Debtor usually remains in possession of the property (usually the house), and makes payments to the Creditors for the duration of the payment plan.Also a difference from Chapter 7, is that the Chapter 13 Debtor does not receive a discharge until all the payments required under the plan are made.One other advantage is that the discharge under Chapter 13 is broader than under Chapter 7 (ie. more debts are eliminated).
What is a Chapter 11 Bankruptcy Case?
Chapter 11 is normally used by commercial enterprises that wish to keep operating a business and repay Creditors through a debt repayment plan approved by the bankruptcy court.During the first 120 days, the Debtor has the exclusive right to file a plan of reorganization and provide Creditors with a disclosure statement that provides the Creditors with enough information to evaluate the plan. The bankruptcy court makes the ultimate decision to approve or reject the reorganization plan.Under the plan for reorganization, the Debtor can reduce its debts by discharging some or repaying only a portion of its obligation under the original debt.Under this Chapter, the Debtor undergoes a period of consolidation and leaves with a reduced debt load and reorganized business.
What is a Chapter 12 Bankruptcy Case?
Chapter 12 is written specifically for farmers of fisherman. The procedures under Chapter 12 are very similar to those under Chapter 13. Under Chapter 12, the Debtor agrees to pay a portion of the Debtor’s debts under repayment plan (between three and five years).Like Chapter 13, under Chapter 12, there is also a trustee appointed to to disperse payments to Creditors.Under Chapter 12, a fisherman or farmer is able to continue operating a business while the repayment plan is carried out.
What is a Chapter 9 Bankruptcy Case?
A Chapter 9 bankruptcy allows for a municipality (city, town, county, school district or other public entity), to undergo a reorganization that is very similar to that available to commercial enterprises under Chapter 11. This Chapter is only available to municipalities.
What is a Chapter 15 Bankruptcy Case?
Chapter 15 deals with corporate entities where a Debtor or a Debtor’s property is subject to the laws of the United States and one or more foreign states.
What is bankruptcy?
Bankruptcy is a process where Debtors are given a fresh start from burdensome debts. It does this through a bankruptcy discharge which releases a Debtor from personal liability of certain debts and prevents Creditors from ever taking action against the Debtor to collect those debts.
What rules apply to bankruptcies in District of Colorado Bankruptcy Court?
The procedures of bankruptcy are defined in the Federal Rules of Bankruptcy Court and the local rules.
Gunnison County Bankruptcy Court Location
Address: 721 19th St., Denver, CO 80202-2508
Phone: Court–(720)904-7300, Atty ECF Help Desk–(720)904-7450, VCIS–(720)904-7419
Hours: 8:00am – 5:00pm Monday-Friday


We are looking for a future-focused leader who will use their financial and accounting expertise to lead Dispatch’s fiscal functions, helping drive continued revenue growth and cost reduction. You will lead a team of accounting/finance professionals to maintain financial records, communicate results to the company, establish budget controls, improve internal processes and identify ways to reduce expenses. You will also be responsible for preparing financial reports, testing internal controls and participating in special projects such as strategic partnership assessments and ROI analyses. We are looking for an individual that has an entrepreneurial spirit and does not hesitate to get hands-on, expert in accounting with strong financial analysis skills.
In this role, you’ll lead through change and maintain alignment through the communication of team and individual roles, goals, and expectations, and by providing real-time feedback. As a people-leader at Dispatch, you’ll continue building and retaining a high-performing team by being involved in the day-to-day and acting with a sense of responsibility, compassion, integrity, and forgiveness.
This is a full-time exempt (executive exemption) role that reports to the Chief Financial Officer.
What You’ll Do
Lead a team of accounting/finance professionals; responsible for staffing/hiring, establishing goals and objectives, and mentoring and developing talent
Develop and manage accounting, budgeting and financial reporting processes
Own the end of year audit process and oversee external firms in the preparation of financial documents and tax filings, and the performance of audits
Perform pro-actively details analysis of results and create action plans to improve business performance
Lead monthly accounting close activities and ensure compliance with local, state and federal government reporting requirements
Partner with CFO and Dispatch leadership team to prioritize financial strategies that align with the growth plan of Dispatch
Communicate and present Dispatch’s financial results to relevant audiences including, but not limited to: board meetings, company and investor updates
Establish short and long-term action plans for operational efficiency, including revenue enhancement and/or cost saving opportunities
Ensure account receivables and incoming payments are processed in compliance with Dispatch financial policies and procedures
Perform other duties as assigned (to be less than 10% of your responsibilities)
What We’re Looking For
High degree of accuracy, care and attention to detail
Ethics & integrity
Ability to quickly pivot as needed while consistently delivering results on time consistently deliver results on time
Capability and desire to foster and encourage an inclusive environment
Customer service orientation and negotiation & problem solving skills
Must be a positive, self-driven team-member with a desire to learn and grow
Capacity to execute all job duties in alignment with Dispatch’s core values, mission, and purpose
What You’ll Need
8+ years professional experience in accounting/finance (required)
3+ years of managing and leading teams (required)
Solid understanding of GAAP, fair credit practices and collections regulations (required)
2+ years experience as a Controller or Assistant Controller (preferred)
BS/BA degree (in Accounting, Business or Finance) and/or MBA (preferred)
Even if you don’t match 100% of the requirements, we still encourage you to apply so that we may possibly talk and see how you could still contribute to Dispatch in meaningful ways!
Dispatch is a technology-based company that redefines the way same-day deliveries are made in the B2B space. With our network of independent contractor drivers, Dispatch puts suppliers, businesses, and technicians in control of local deliveries with real-time tracking and transparency. We strive to deliver the best value and service to our customers every day.
Dispatch started in the Twin Cities, but is now in dozens of markets across the country. With all of this growth, we maintain a strong focus on our company culture. Dispatch operates on five core values: People First, Belief, Speed to Value, Driven to Deliver, and Transparency. If you connect with these values, we’d love to learn more about you!


Thank you for choosing to support Sheepfold of Arizona as we share the love of Christ to women and children in Arizona through our ministry. Your gifts will help us continue to help victims of domestic abuse and violence reach restoration and hope. Please choose the option below to donate through our safe and secure payment processor. All gifts are tax deductible and are confidential. Thanks again!
How Can I Donate?
Make your check payable to The Sheepfold of Arizona and mailed to:
The Sheepfold of Arizona
PO Box 13316
Tucson, AZ 85732
One Time Donation
PayPal securely processes donations for The Sheepfold of Arizona. You can complete your payment with just a few clicks. You can use your credit card or bank account.
If you’d like to make your gift a recurring monthly donation, PayPal allows for recurring donations.


Membership Automatic Renewal
For the convenience of our Members, CCPA has implemented an automatic renewal process for all subscriptions.
By subscribing to our services, you agree to the automatic renewal of your membership for subsequent billing cycles. Your subscription will be automatically renewed at the end of each billing period unless you choose to cancel it.
We will notify you via email before your membership renewal date, providing you with the opportunity to cancel or make any necessary changes to your subscription. If you do not cancel your subscription before the renewal date, your payment method will be charged automatically, and your membership will be extended for the next billing period.
You can manage your subscription and cancel the automatic renewal at any time by accessing your account settings on our website. To cancel your automatic renewal or change your payment method, you can log into your profile on the website, click the down caret by your name and select Account>Subscription. Payment information is available in the far right column.
At this time there is no option to renew your subscription early.
When you sign up to become a member of CCPA, you must enter your personal information, including your payment information on the Website. The payment information is transmitted to our Payment Processor (STRIPE) securely using 256-bit encryption. CCPA does not store any payment information locally. For more information on how we handle payment information, you can read the Credit Card Transactions Policy below.
Credit Card Transactions Policy
Effective Date: [June 30, 2023]
This Credit Card Transactions Policy (“Policy”) outlines the guidelines and terms for credit card transactions performed on the CCPA member website (“Website”). This Policy aims to ensure the security, privacy, and integrity of credit card information and to provide a positive user experience for our members. By using our Website and engaging in credit card transactions, you agree to comply with this Policy.
Confidentiality and Security
2.1. Confidentiality of Credit Card Information
We prioritize the confidentiality and protection of credit card information provided by our members. Any credit card information entered on our Website will be handled securely, following industry best practices and applicable laws and regulations.
2.2. Data Security Measures
We employ appropriate technical and organizational measures to safeguard credit card information against unauthorized access, disclosure, alteration, or destruction. These measures include, but are not limited to, encryption, firewalls, secure socket layer (SSL) certificates, access controls, and regular security audits.
2.3. Storage and Retention
CCPA does not store any credit card information.
3.1. Authorized Payment Gateways
We partner with STRIPE to process credit card transactions on our Website. You can read about how STRIPE handles security here Security at Stripe. STRIPE stores credit card information for as long as necessary to fulfill the purposes outlined in this Policy or as required by law. A PCI-certified auditor has audited STRIPE and determined that it meets the criteria for a certified PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry. To accomplish this, STRIPE uses the best-in-class security tools and practices.
STRIPE payment processing is used by many industry leading companies including: Amazon, IBM, Toyota, Shopify….You can read more by following this link STRIPE customers
3.2. Transaction Verification
All credit card transactions are subject to verification and review by STRIPE and relevant financial institutions. We reserve the right to delay, suspend, or cancel transactions if we suspect any fraudulent activity or if it violates our terms of service.
4.1. Accurate and Up-to-Date Information
Members are responsible for providing accurate and up-to-date credit card information when engaging in transactions on our Website. It is the member’s obligation to promptly update any changes to their credit card details to ensure uninterrupted service.
4.2. Unauthorized Use
Members must not use credit cards without proper authorization or engage in any fraudulent activities. Any unauthorized use of credit card information is strictly prohibited and may result in legal action.
4.3. Safe and Secure Environment
Members are responsible for maintaining the security of their devices and ensuring that they access the Website through secure and trusted networks. It is advised to use secure passwords, enable multi-factor authentication, and promptly report any suspicious activity related to credit card transactions.
In the event of a dispute related to credit card transactions, members should contact us immediately. We will make reasonable efforts to address and resolve the dispute in a timely and fair manner, following applicable laws and regulations.
Amendments to the Policy
We reserve the right to modify or update this Policy at any time to reflect changes in technology, legal requirements, or business practices. Updated versions of the Policy will be posted on our Website, and it is the member’s responsibility to review the Policy periodically.
If you have any questions, concerns, or feedback regarding this Policy or credit card transactions on our Website, please contact us at firstname.lastname@example.org or by using the Contact Us form on the website.
By using our Website and engaging in credit card transactions, you acknowledge that you have read, understood, and agree to comply with this Policy.


If you only renew your car and home insurance every year without finding the best deal, then Time-Makers insurance search service is just for you.
Frequently, customers who only renew their policies each year are not getting the best price.
Did you know that comparison sites like Compare the Market.com only search a percentage of the market, or that major companies such as Direct Line and Aviva do not even appear on these sites? We know!
Our search will give you the three cheapest options to help you make a decision.
Simply contact us and we will send you an enquiry form to fill in with your details or you can call us on 01928 725398 and we will collect your renewal notice and work from that.
Car Insurance: £25
Searches 175 companies and brokers including Direct Line and Aviva.
House & Contents Insurance: £30
Searches 105 companies and brokers including Direct Line and Aviva.
Time-Makers also search Holiday, Pet and Mobile Phone Insurance. To find out how we can save you money, call us today on 01928 725398.
We promise that if we can’t save you money on your insurance quote then Time-Makers won’t charge you a penny!


Canada is a rich country getting richer. But over the past 20 years, a huge portion of the country’s wealth increase has gone to a small handful of the super-rich. Canada’s one per cent have seen their share of Canada’s wealth grow by almost six times since 1999 to $2,203,000,000,000 USD today. Meanwhile, half of all Canadian families experience income insecurity and can’t get the support they need from ever-shrinking public services.
Canada’s super-rich gained $76 billion during the 12 months after COVID-19 hit. Canadians are ready for measures that would distribute wealth more fairly, and give governments the funds to pay for pharmacare, improve long-term care, take serious climate action, implement paid sick leave and more. But the Liberal government took no serious measures in its 2021 budget to tackle this issue.
Policy experts Jonathan Gauvin and Angella MacEwen show exactly how Canada’s wealth can be more fairly shared with measures that would impact only the one per cent: a wealth tax, higher taxes on the highest incomes, higher taxes on large corporations and higher taxes on big profits coming from capital gains. They also propose measures to shut down tax loopholes and tax havens and to tax web giants. This book shows how we can share the wealth so everyone will be better off — even the richest.
"Their text is clear, chock full of the latest statistical data, and carefully pitched to a general audience."
— John Cruickshank, Literary Review of Canada
“With wealth concentration reaching staggering levels in Canada, polls show broad support for a wealth tax but lots of opposition from the elite. This easy-to-read book explains why. Share the Wealth makes a compelling and convincing case that Canadians would benefit enormously from an end to ‘wealth hoarding’ in Canada.”
— Linda McQuaig, author of The Sport & Prey of Capitalists
“How will governments raise revenues to pay for improved public goods and services in a post-COVID economy? There is a broad policy consensus that a more sustainable, resilient and inclusive economy will require a more progressive approach to income and wealth taxes. Gauvin and MacEwen have done an excellent job summarizing the literature and arguments. Read this book.”
— Kevin Page, President of the Institute of Fiscal Studies and Democracy, University of Ottawa, former Parliamentary Budget Officer of Canada
“Gauvin and MacEwen believe that we do not have to live in a Canada where those at the top get growing incomes, and lower taxes, while everyone else puts up with income stagnation and public service cuts. The inequality of COVID-19’s impacts only heightens the urgency of their proposals for fairer taxes and better policies. A book that deserves to be widely read.”
— Lars Osberg, Professor of Economics at Dalhousie University, author of The Age of Increasing Inequality, former president of the Canadian Economics Association
“A splendid book. The writing is lucid and precise and the thinking cogently persuasive. The authors show how a series of tax cuts favouring the rich and corporations by governments, from Jean Chrétien and Paul Martin to Stephen Harper, left us with great inequality and $50 billion a year short to fund needed social programs. Their analysis shows precisely how the tax system favours the rich at the expense of the rest of us. And they provide solutions!”
— Ed Broadbent, chair of the Broadbent Institute and former leader of the NDP
“Angella MacEwen and Jonathan Gauvin pool their considerable knowledge into a well-researched and logical argument in favour of a wealth tax and other fiscal tools to reduce inequality. Their book is a timely exploration of the most troubling economic fallout of the pandemic, tackling myths and proposing solutions with rigour.”
— Heather Scoffield, Toronto Star economics columnist and Ottawa Bureau Chief
“Share the Wealth details the consequences of inequality and shreds common propaganda against wealth and corporate taxes in this accessible guide on why these taxes are necessary—urgent, even, especially in the shadow of COVID-19—to transform Canada into a healthier, kinder, and fairer nation.”
— Meghan Bell, author of “I'm Part of the 0.1 Percent and I Want a Wealth Tax” in The Walrus
“In Share the Wealth, authors Gauvin and MacEwen...envision a more just future offering specific, clearly articulated policy proposals to help us (re)learn how to share our wealth. This is very much the right book for this moment in Canadian history.”
— Daniel Hoyer, member of Resource Movement
About the Authors:
Jonathan Gauvin has been the federal NDP’s Director of Policy since December 2017 and contributed to the drafting of the NDP’s election platform in 2019. Prior to that, he was an issue coordinator in the NDP leader’s office. He holds degrees from the University of Ottawa and l’Université Laval. He’s a political buff who deeply wishes to build a better world for everyone, especially his two children. He lives in Gatineau, Quebec.
Angella MacEwen is a senior economist with the Canadian Union of Public Employees (CUPE), a policy fellow with the Broadbent Institute and was an NDP candidate in the 2019 federal election. Angella writes a quarterly publication with CUPE, Economy at Work, which examines fiscal and social policy for workers. She holds a MA in Economics from Dalhousie University. She lives in Ottawa, Ontario.


A friend of mine had his house fully insulated last year for cheap money (after rebates and tax credits) and saved quite a bit on his heating bills. At this time the state is willing to pay 75% (up to $2,500) of the costs. So today I had an energy home assessment and I must say, this was well worth it.
At first I was a little worried about having to come up with a lot of money up front, however that was not the case. Mildred was very helpful and she even replaced all of my old bulbs with high-efficiency bulbs at no cost to me. She installed new installation on all of my exterior doors at no cost. So far, she has saved me quite a lot of money on hardware and future utility bills.
After she measured and evaluated my current energy plan, she estimated that it would cost $2281.60 to insulate my entire house. Since “Mass Save” will pay 75% of the costs up to $2,500, that leaves me with a bill of 25% or $570.40.. not too bad. Not only that, when it comes time to do your taxes, you can write off your cost (after rebates) on your taxes and the Government will refund you 30%. So 30% of $570.40 is $171.12. All-in-all, this will only cost me $399.28 to insulate my entire house!
After her energy assessment, the estimated annual savings on heating/cooling bills are $451.84/year. Literally, it will take less than 1 year to make up the difference, which is well worth it.
So if you live in Massachusetts, I would highly recommend that you take advantage of the current energy tax credits and rebates. You will save yourself a lot of money in the long run!


Notwithstanding the widespread criticism about the notorious volatility of cryptocurrencies, these continue to gain in popularity. No surprises then why more and more first-time investors are slowly taking baby steps into the crypto world. For these investors, crypto trading apps can be a huge help allowing them to conduct their initial trades smoothly. Visit https://bitcoinupapp.com/ to go through an authentic review of an automated bitcoin trading app. Here are some of the best-known crypto trading apps today:
- Coinbase Trading App: Coinbase is unarguably one of the biggest and most reliable cryptocurrency exchanges out there and it has come out with a feature-rich trading app that can be linked to your bank accounts directly. So, the app features like credit and debit card payments, SEPA transfers, etc. You will find this app supported in multiple countries and the app in turn supports multiple cryptocurrencies like Ethereum, Bitcoin, ZEC, BCH, Litecoin, etc. You can use features like instant price alerts, auto-buying, insured BTC deposits, etc for building a strong portfolio. Coinbase is also one of the most rusted crypto platforms today because of its high-end security provisions that safeguard nearly 98% of digital assets stored in offline wallets and servers. The dashboard is user-friendly, displaying real-time prices of assets.
- KuCoin Trading App: This is a relatively new exchange which started operations in 2017. Since then it has been performing without glitches and has gained much popularity as a result. It is an established name in the crypto world and buying your preferred crypto assets using credit cards is a cakewalk here. It provides easy navigability, a manageable user interface and is perfect for even first-timers without any prior expertise in handling crypto trading apps. The KuCoin app offers exciting features like real-time market analysis, price alerts, candlestick charts, etc for better portfolio management. There is a multi-layer security mechanism offering 2FA, instant login alerts, and anti-phishing safety phrases. KuCoin also boasts of round-the-clock assistance and customer service superior to its competitors.
- Binance Trading App: Binance is one of the leading crypto exchanges today and is a Malta-based trading platform available as apps for both Android and iOS operating systems. Besides the Bitcoin and Binance Coin or BNB, its own homegrown coin, it also supports multiple altcoins. The app is feature-rich and supports futures trading and XRP margin trading. You can benefit from its trading tools, alerts, and charts and create a healthy portfolio. It offers multiple wallet options and an overwhelming number of crypto coins.
- Gate.io Trading App: This app is the product of a US-based exchange and has attracted traders because of its simplistically-designed user interface. It can cater equally to amateur and professional traders, offering simple trading tools for beginners, and advanced functionalities for the professionals. There are stop loss order, limit order, buy-and-sell order functions, price alerts, on-chain activity alert; the app also supports margin trading, lending and storing of crypto coins. It offers a multi-language UI, real-time charts, ticker alerts, forked coins of various cryptocurrencies, instant deposits and withdrawals, multi-mode customer support, etc.
- CEX.io Trading App: This began as an exchange in 2013 and is one of the oldest in the crypto world. It has a mobile trading app that offers a satisfying user experience and works with all devices. It supports prime cryptocurrencies and fiat ones like EUR, GBP, and USD. You can benefit from its user-friendly interface, real-time market data, instant purchase, order history, limit orders, instant deposits and withdrawal features etc. You can count on 24×7 customer support.