Canada, known for its breathtaking natural landscapes, diverse culture, and stable economy, presents a multitude of enticing business opportunities for both domestic and international investors. With its strategic location, skilled workforce, and supportive government policies, Canada has become a prime destination for entrepreneurs looking to establish and grow their businesses. In this article, we will explore the various sectors and industries that offer promising investment prospects in the True North.
Technology and Innovation
Canada’s technology sector has been experiencing rapid growth in recent years, fueled by a culture of innovation, access to top-tier talent, and government support for research and development. Cities like Toronto, Vancouver, and Montreal have emerged as vibrant tech hubs, attracting startups, established tech companies, and investors from around the world. From artificial intelligence and machine learning to clean technology and biotechnology, Canada’s tech ecosystem offers lucrative opportunities for investment and business expansion.
With a commitment to sustainability and environmental stewardship, Canada has made significant strides in the development of renewable energy sources such as hydroelectricity, wind power, and solar energy. The country’s vast natural resources and expansive geography make it an ideal location for renewable energy projects, including large-scale hydroelectric dams, wind farms, and solar installations. As global demand for clean energy continues to rise, investing in Canada’s renewable energy sector presents promising opportunities for long-term growth and impact.
Healthcare and Biotechnology
Canada’s healthcare and biotechnology industries are renowned for their world-class research facilities, cutting-edge medical technologies, and innovative pharmaceutical companies. The country’s universal healthcare system, combined with government support for healthcare innovation, creates a conducive environment for investment in areas such as medical devices, biopharmaceuticals, and digital health solutions. With an aging population and increasing demand for healthcare services, investing in Canada’s healthcare and biotechnology sectors offers significant potential for financial returns and societal impact.
Natural Resources and Mining
Canada is rich in natural resources, including minerals, metals, forestry products, and energy commodities. The country’s mining sector is one of the largest in the world, with abundant reserves of gold, copper, nickel, and other valuable minerals. Additionally, Canada’s vast forests provide opportunities for timber harvesting and sustainable forestry practices. With global demand for natural resources continuing to grow, investing in Canada’s natural resources and mining industries offers potential for strong returns and diversification of investment portfolios.
Tourism and Hospitality
Canada’s tourism industry is a major contributor to the country’s economy, attracting millions of visitors each year to its iconic landmarks, cultural attractions, and outdoor recreational activities. From the majestic Rocky Mountains and pristine national parks to vibrant cities and charming coastal towns, Canada offers a diverse range of experiences for travelers to explore. Investing in tourism and hospitality infrastructure, including hotels, resorts, and tour operators, presents opportunities to capitalize on the growing demand for travel and leisure experiences in Canada.
In conclusion, Canada offers a wealth of business opportunities across various sectors and industries, driven by factors such as technological innovation, renewable energy development, healthcare advancements, natural resource abundance, and tourism growth. Whether you’re a seasoned investor seeking high-growth opportunities or a newcomer looking to diversify your portfolio, investing in the True North can yield significant returns and contribute to the country’s economic prosperity. So seize the opportunities that Canada has to offer and embark on a journey of business success and growth in the Great White North.


The British Columbia Lottery Corporation (BCLC) hopes to increase its revenues this year as it has attracted a number of Chinese high rollers.
Since its lottery ticket sales have fallen, the Crown Corporation has focused on promoting its casino products to wealthy high rollers from Mainland China, who are willing to bet as much as $100,000 on a game of baccarat. BCLC CEO Jim Lightbody says that the strategy has been immensely successful as table games, including high-stakes games, have generated 20 percent more revenue than last year.
The Crown’s budget papers indicate that it intends to beat its own target of generating a net income of $1.2 billion for the fiscal year ending on March 31 because of “an increase in high-limit table revenue.”
But critics say that the provincial government is taking a huge risk by promoting a variant of gambling that has been known to encourage organized crime and money laundering in different parts of the globe.
Sandy Garossino, who belongs to Vancouver Not Vegas, an association that is urging the government to impose a moratorium on gambling expansion, said: “I would suggest we’re more than flirting with this, and the government has to know this. Surely, someone, somewhere should be asking: Is this the right thing for a B.C. Crown corporation to do?”
According to Lightbody, brick-and-mortar casinos have raised the number of “salons” or private gambling rooms and increased table limits from $5k to $100k per hand. Casinos have also started providing comps, accommodation, and free food for the benefit of their high-stakes customers.
Currently, the Lower Mainland has 135 salons or private gambling rooms, most of them in the region’s top four casinos—Vancouver’s Edgewater, Richmond’s River Rock, Burnaby’s Grand Villa, and New Westminster’s Starlight.
The high-stakes tables are meant chiefly for Chinese gamblers, who prefer high-stakes baccarat games.


Tighe Reardon joined Avalon in 2014 as Vice President of Finance and was promoted to Chief Financial Officer in 2015. Mr. Reardon has over 15 years of senior finance and technical tax experience ranging from start-ups to large public companies. As CFO, Tighe is involved in general fund administration as well as in the financings, exits and liquidations for all portfolio companies.
Prior to joining Avalon, Mr. Reardon was the Senior Vice President of Tax and Treasury at DJO Global, Inc., a $1.2 billion multinational medical device company owned by Blackstone, Inc. (NYSE:BX). Additionally, Mr. Reardon acted as the Director of Taxation for Relational Investors, LLC, a $7 billion activist fund.
Mr. Reardon began his career at Arthur Andersen LLP. He has a M.S. in taxation and a B.S. in accounting from San Diego State University. He is a Certified Public Accountant in the State of California.


Use of uniform customs document advocated The Hindu, Chennai, August 13, 2009
To offset the dip in trade volumes owing to the economic crisis, businessmen should make extensive use of "ATA Carnet" as is done in the developed countries, said Alop K. Mittal, adviser to the Federation of Indian Chambers of Commerce and Industry (FICCI), here on Tuesday.
ATA is an acronym for the French and English words 'Admission Temporaire/Temporary Admission.' It is an international uniform customs document issued in 66 countries. It permits duty free temporary admission of goods into a member-country without the need to raise customs bond, payment of duty and fulfilment of other customs formalities in one or more countries.
Addressing FICCI members at a workshop on 'ATA Carnet: Rights and Obligations,' he said it was a testing time for the developed and developing countries and efforts should be made by the business community to take full advantage of international taxation practices and regulations. P. Murari, adviser to the FICCI president, said the cumulative exports from April to June 2009 was Rs.1,72,762 crore against Rs.2,14,808 crore in the corresponding period last year, and imports were Rs.2,48,171 crore (Rs.3,34,191 crore). This represented a drop of 31 per cent and 36.5 per cent respectively in dollar terms, he said.
P.S. Pruthi, Commissioner of Customs and Export Promotion, Central Board Excise and Customs, said that in the last two to three years, indirect tax collections had declined while direct tax collections had gone up.
C. Hari Rao, Additional Commissioner of Customs, Air Cargo Complex, Chennai, said: "FICCI is the National Issuing and Guaranteeing Association for ATA Carnets in India. It has been doing a good job."
S. Vijayalakshmi, Assistant Director, FICCI, and D.V. Venkatgiri, Director, FICCI-Tamil Nadu State Council also spoke in the workshop.


Our office is contracted with most PPO insurance plans. Because we know most people do not like to be forced by insurance companies to choose from a list of healthcare providers, our office has chosen to become an “unrestricted provider” of dental services. What this means is that even if we may not be on your list we can still see you as a patient and provide the best quality dentistry possible. We will always estimate for you your co-pay, if any, and help estimate how much your insurance may cover or reimburse back to you. We also offer a choice of several payment options. In essence, you pay our fee for services(we always give you an estimate up front) and we will ask for that payment and then work with you to help get your insurance company to send their contracted fees back to you. If you would like, our Insurance/Financial Coordinator would be happy to review your dental plan with you. Give us a call today! 727-548-7100
-Cash, check, and most major credit cards are always accepted to cover your co pay.
-Interest free payments are another option. Our office has a long standing relationship with Care Credit, a company that offers monthly payments.
-For those without traditional dental benefits such as insurance, we offer an annual membership in the Piper Family Dentistry Wellness Plan. Benefits include reduced fees on most services including cleanings, exams, x-rays, and dental treatment. Unlike dental insurance, our Wellness Plan has no required deductibles, no calendar year maximum limitations, no qualifications or pre-existing condition exclusions, no need for pre-determinations, no restrictions on cosmetic services, or any other red tape that can sometimes make dental insurance reimbursement confusing and annoying. That’s because our Wellness Plan is not dental insurance – it is a membership plan that we are bringing right to you without any third-party interference or limitations! Call today to learn more! 727-548-7100
One key component of maintaining good dental health is to discover if something is wrong early. By waiting until something breaks or is painful can make recovery much harder and cost more money. Prevention and early detection are why we recommend visiting the dentist regularly. During your examination, Dr. Piper and his team help you understand your oral condition and make recommendations on how you can prevent painful and costly treatment. Routine dental care is important many for reasons such as helping to prevent tooth decay and bad breath, periodontal (gum) disease, which can lead to tooth and bone loss and screen for oral cancer. Call us today for your wellness visit. 727-548-7100


Inhaltsbereich: Institut für Arbeitsmarkt- und Berufsforschung
3rd User Conference on the Analysis of BA and IAB Data
December 5th and 6th, 2008
The Conference will be held in Congress Centre of Bundesagentur fuer Arbeit (Federal Employment Agency), Regensburger Strasse 104, Nuremberg, Germany. For access to the building you need an ID Card or passport.
Directions to the Bundesagentur fuer Arbeit.
During this conference, research projects which are based on BA and IAB data will be introduced. Moreover, the conference is an important contact and experience exchange forum for data users and producers.
The conference language will be English.
Reimbursement of travel and accommodation costs for speakers
There will be a small budget to cover travel and accommodation expenses for speakers who don’t have other financing possibility. If you want to apply for a refund, please inform us about the approximate amount of travel costs when submitting your paper.


Red Jacket Community Library is seeking a part-time treasurer. Flexible hours, approximately 15-20 hours per month, $500. You will work closely with the Director and report to the Board of Trustees. Experience with QuickBooks and accounting for non-profit organizations preferred.
Job Title: Treasurer, Red Jacket Community Library, Shortsville, NY
Reports To: Red Jacket Community Library Board of Trustees
Job Summary: The Treasurer is an independent officer of the Red Jacket Community Library, appointed by the Board of Trustees under provisions of Education Law §259(1)(a) and serving at the pleasure of the Board. Reporting to the Board of Trustees and working closely with the Library Director, the Treasurer is responsible for depositing and disbursing library funds, maintaining appropriate accounting records, and providing a monthly Treasurer’s report to the Board. Additionally, the Treasurer provides financial input required for reports to the state, county and federal government. The Treasurer assists the Board and Director in preparing the Library budget.
Essential Duties: Refer to RJCL Policy 500-3 (PDF) for a detailed list of essential duties.
Expectations of the Board
- This job requires approximately 15-20 hours per month, varying over the year.
- The Board expects the Treasurer to be present at the Library once or twice each week: To pick up and deliver essential documents; to review budget performance with the Director; to answer questions for the Board’s Claims Auditor; and otherwise work with the Director and members of the Board. Times, dates and duration of these working sessions to be mutually agreed upon.
- The Board expects the Treasurer to attend most regular meetings of the Board (one evening per month).
- The Treasurer may perform additional work remotely using the laptop computer provided for this purpose by the Library.
Required Knowledge, Skills and Abilities
- Knowledge of accounting procedures, especially as pertaining to non-profits
- Knowledge of, or ability to learn, accounting and reporting requirements specific to Libraries as imposed by New York State, including deadlines for filing of essential reports
- Attention to detail
- Ability to monitor and meet deadlines, including notifying the Board of upcoming deadlines that require Board action
- Ability to prepare and clearly present a monthly Treasurer’s report, highlighting and explaining essential financial information from the financial reports, to the Board of Trustees
- Ability to work cooperatively with the Director to monitor the Library’s budget and financial health
- Ability to respond promptly and appropriately to requests from the Board of Trustees and the Director
- Ability to work with QuickBooks and common computer applications (e.g. MS Office)
- Ability to navigate cloud storage systems (e.g. Google Drive) to share reports
Education and Experience
Bachelor’s Degree in accounting or equivalent work experience
Civil Service Classification
The Library Treasurer is not part of the competitive class of civil service but, as a part-time Library employee, must comply with local civil service rules.
Send resumes to firstname.lastname@example.org


NOTE: Presently we only sell our products in Singapore (locally).
To purchase, kindly fill in this order form and submit it.
1. Upon receiving your order, we will send you an email confirming your order with an invoice number for you to make the payment to complete your purchase. Details of our bank account will be indicated in the invoice. Payment can be made via PayNow Corporate or ATM Transfer / Direct Bank Credit.
2. Once payment is received, we will send you an email to confirm the delivery schedule.


BSBI has around 3,000 members from Britain, Ireland and beyond. Members receive the following benefits:
- Three member newsletters per year
- Three issues of our scientific journal, New Journal of Botany, per year
- Access to the host of field meetings, conferences and other events run throughout the year.
- Contact details for botanists and local groups in your area.
- Access to our network of expert referees on hand to assist in identification of difficult groups.
- Discounts on BSBI publications from Summerfield Books.
Joining is simple and we have a range of payment options available. Take the following steps:
1. Right-click on this Membership Form, save it to your computer’s hard disk and then double-click on it to open it. Once completed, save it again and email it to the membership secretary or post it to 41 Marlborough Road, Roath, Cardiff, CF23 5BU.
NB, the form is in pdf format. You may need to install free Adobe Reader software to open it.
2. Choose a payment option
- Direct Debit (print the form, sign it and either scan and email it or post it to the Membership Secretary)
- Online payment (use the button to the right)
- Cheque or postal order (made payable to BSBI and post to Membership Secretary, 41 Marlborough Road, Roath, Cardiff, CF23 5BU)
- Bank transfer. Contact us for our bank account details.
3. Complete the GiftAid form (if you wish to).
- Ordinary (UK & Ireland): £30 (€38) per year.
- Family: £4 (€5) for each additional member (but no separate mailings).
- Junior: £12 (€15) (up to the age of 21 or up to 25 if in full-time education).
- Overseas: £32 (€40).
- Senior (for longstanding members, see below): £22 (€28).
Subscriptions are due on the 1st of January each year but if you join after 1st October the subscription lasts to 31st December of the following year.
By joining BSBI you will also become a company member supporting and agreeing to the BSBI’s objectives and ways of operating set out in our Articles of Association.
With the introduction of the New Journal of Botany BSBI has abolished its institutional membership category. Institutions will instead subscribe to NJB via our publishers, Taylor & Francis. Visit their website for details.
New Journal of Botany
To subscribe to a paper copy of the NJB, you can use the PayPal buttons below to pay the additional fee of £6.66 or €8.66 per year for two issues.
Our Membership Secretary is Gwynn Ellis. You can contact him on membership matters, including change of addresses, at 41 Marlborough Road, Roath, Cardiff, CF23 5BU.
Making an online payment
You can pay your subscription online using the secure Paypal system (if you don’t have a Paypal account you can still pay online using a debit card). There are two Pay Now buttons below for standard membership categories, so you can pay in either sterling or euros.
Please use the 'Instructions' field below to add your membership number (if you are renewing your subscription) or to tell us that you are a new member.
The Pay Now button below allows you to put in the sum that applies to you and set your own payment for other membership categories, subscriptions to BSBI News, etc. Please use this button to pay any non-standard amount.
Members who have been with the Society for at least 10 years, are over 65 and not in full time employment, may apply to the Membership Secretary (Gwynn Ellis) to have their subscriptions reduced to a 'Senior' rate.


COG Network Management LLC or any of its affiliates (collectively, “COG Network”) will be conducting a private fund offering for accredited investors in the United States and investors abroad. Investing will be limited by individual country regulations and based on acceptance of investors in the offering.
Neither this website nor any of the information contained herein is intended to be or is an offer to sell, or a solicitation of any offer to buy, any security or other financial instrument or to invest in the equity or token issued by COG Network (“COG Security”). The offering of any COG Security will not be registered, qualified, or approved under any securities, futures, financial instruments, capital markets, or exchange control legislation, regulation, or ordinance of any jurisdiction. In all jurisdictions, any offer to sell or solicitation to buy any COG Security, when made, will be directed solely to accredited, qualified or sophisticated investors to whom offers and solicitations to sell any COG Security may be made without any licensing, registration, qualification, or approval under applicable law. Before you decide to invest in any COG Security, you should carefully read the applicable offering documents and consult with your own advisors. An investment in any COG Security will be speculative and will involve significant risks, which you should understand prior to making an investment. The private placements of any COG Securities will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), or any state or foreign securities laws, and any COG Securities will be offered pursuant to an exemption from registration provided by (a) Rule 506(c) of Regulation D promulgated under the Securities Act and in reliance on similar exemptions under applicable state laws and (b) Regulation S promulgated under the Securities Act. An investment in any COG Security will be suitable only for (i) U.S. investors who represent and verify that they are accredited investors as such term is defined in Rule 501(a) of Regulation D under the Securities Act, and (ii) non-U.S. investors who represent they qualify as the type of investor required under laws of the jurisdictions applicable to such investors.


Community Action Fund: Anchorage Democrats Give Back
Anchorage Democrats Community Action Fund is intended to support
local initiatives that demonstrate a benefit to the greater
Anchorage community, made possible through Alaska's Charitable Gaming Funds through the Alaska Democratic Party. Projects that create social, educational, artistic and recreational initiatives are invited to apply each year to receive a grant.
Applicants can be individuals, businesses or non-profit organizations
that reside within the municipality of Anchorage. The applicant
should clearly articulate how funds will be used, and how the use of
funds will benefit the community.
Congratulations to the 2011 Award Recipients:
Alaskan AIDS Assistance Association- funds used for AIDS prevention, testing, and awareness education.
First Alaskans Institute- funds used for the Elders & Youth Conference.
Back to Work Network- funds used to purchase shoes and clothing for needy children in the Fairview area.
Alaska Women's Veterans- funds used for organizing and community building among Alaska's women veterans.
Identity- funds used to bring rural youth to their fall Pride Conference & Youth Summit.
The Music Machine- funds will go to scholarships for disadvantaged children to participate in their arts and music programs.


Credit card fraud is becoming more and more common as newer forms of technology make consumers more vulnerable. When an individual unlawfully uses another person's credit card information to take money from their account or make purchases using their name, it is considered credit card fraud.
Credit card fraud is not taken lightly by law enforcement. These offenses can be charged on the state and federal level, with the federal government cracking down especially hard on the upsurge of these crimes. Some cases can even be escalated to involve the Federal Trade Commission or the FBI. Attorney Howard J. Weintraub can lend his insight as a former prosecutor to ensure you have a credible and resilient defense behind you.
What should I do after I have been charged?
You should first consult with an experienced to go over your legal options. Working with your best interests in mind, our team can explore all the possible strategies to create your defense. As credit card fraud grows more prominent, so do the defenses available for defendants. We are here to ensure you are treated fairly throughout the process and your voice is heard in court.
We have helped clients facing a variety of credit card fraud, such as:
- Using false information to open a credit card
- Identity theft
- Forgery or counterfeiting
- Using a stolen credit card
Georgia's penalties for credit card fraud can result in a felony conviction, up to $5,000 in fines, and anywhere between one and three years in prison. Don't risk facing these penalties! Weintraub & Alper Legal. can help you avoid these harsh consequences by taking action and fighting aggressively in court.
Call on Our Proven Legal Team
Attorney Howard J. Weintraub is admitted to practice in Georgia, the U.S. Federal Court, and the U.S. Supreme Court. Since the firm's inception in 1985, he has been able to secure numerous positive outcomes, eventually garnering him a 10.0 rating of Superb on Avvo. That is exactly the type of trusted legal support that you need to assist you through your case.
We Have the Desire to Fight
Howard J. Weintraub and Benjamin B. Alper have a 10.0 Superb Rating by Avvo
Howard J. Weintraub Has Received Commendations From the FBI, IRS, & U.S. Attorney General
Our Firm Has Over 55 Years of Combined Legal Experience
Howard J. Weintraub is an Experienced Former Federal Prosecutor


You may use any of the following payment methods to pay for your order:
- credit cards: Visa, Mastercard, Maestro, American Express;
- digital wallets: Apple Pay, Google Pay;
- local payment methods like iDeal, Bancontact or Klarna Pay Later.
In addition to payments in EURO, we also accept payments in local currencies:
- US Dollar (USD US$)
- British Pound (GBP £)
- South Korean Won (KRW ₩)
- Japanese Yen (JPY JP¥)
All payments made on the website are encrypted and secured.


Clients are provided with free services such as free bank transfers (depending on the bank used by the client) or exceptionally low commissions for transfers. With the kantor.pl online exchange platform, foreign currency exchange rates are more favourable than those offered by banks and traditional exchange offices.
Kantor.pl enables currency exchange at the current exchange rate whenever you decide to make your transaction. The company guarantees that there are no hidden fees and clients are not charged any fees or commissions. Kantor.pl offers a variety of services for free:
- Registration with kantor.pl – free
- Making transactions – free
- Foreign currency transfers from domestic banks (SHA option*) – free
- Foreign currency transfers from foreign banks (SHA option*) – free
- Electronic accounts – free
- Transfers between clients and banks in which kantor.pl holds bank accounts – free
* SHA option: costs divided between the sender and the recipient
Low-cost international transfers
The Kantor.pl currency trading platform offers clients very low cost remittances. Fees for international transfers amount to PLN 3 for transactions in EUR and PLN 5 for transactions in GBP, CHF and USD, regardless of the amount.


Crowd funding generally refers to raising funds from a large number of individuals through an online platform. Here are some forms of crowd funding:
|Form||What it is||Financial returns||Offer of securities may be involved|
|Donation-based crowd funding||where individuals pool their resources to support a charitable cause||Nil||Nil|
|Reward-based crowd funding||where individuals give money to a company in return for a “reward”, usually a product produced by the company||Nil. Return is usually non-monetary||Nil|
|Lending-based crowd funding||where individuals lend money to a company and the company commits to repay the loan at pre-determined intervals and interest rate||Interest rate and return of amount lent.||Yes|
|Equity-based crowd funding||where individuals invest in shares sold by a company and receive a share of the profits in the form of a dividend or distribution.||Profit-sharing in the form of dividends||Yes|
Lending-based and equity-based crowd funding which involve offers of securities are generally referred to as securities-based crowd funding (SCF). They are subject to securities regulation.
What are some risks of participating in fundraising through crowd funding platforms?
As with any investment, do bear in mind whether your individual circumstances allow you to take on the risks involved. Here are some of the risks you should be aware of when considering SCF:
|Risk||What it means|
|Loss of capital||SCF tends to attract start-ups and small medium sized enterprises (SMEs) which may have yet to establish a track record. Globally, the failure rate for start-ups is high so there is a high risk of losing some or even all of your capital, especially if you are unfamiliar with early stage investing.|
|Lack of liquidity||When you want to exit the investment, there is a risk that you may not be able to sell the securities or have to sell them at a significant discount|
|Fraud risk||As fundraising is carried out through online platforms, you may not have direct contact with whoever is making the offers of securities. There is a risk that the projects or proposals may not be legitimate and that expected rewards or returns may not materialise.|
|Platform closure or failure||If the operator of the SCF platform that you are relying on to ensure that your funds are passed on to the project owner fails, you may lose all your money. Do also check if your money will be segregated from the operator’s.|
|Risks of investing in foreign issuers||If the securities are being offered by an issuer in another country, your rights will be subject to the laws of that country. You may also be subject to additional tax liabilities, transaction costs and capital controls.|
|Insufficient information on the issuers to make fully informed investment decisions||You may not receive enough information to make a fully informed investment decision. There is no requirement for issuers and SCF platform operators to provide information that would be reasonably required to make informed assessments of the securities offered. Also, the financial statements of the start-ups and SMEs may not have been audited. An unaudited financial statement may not reflect the true financial health of a company. For foreign issuers, the financial statements of the companies may not be made accessible to you if there are no requirements in their home country to do so.|
What should I look out for if I wish to contribute funds to a project on a crowd funding platform despite the risks involved?
You should exercise care and diligence in reading the applicable terms and conditions on the SCF platform before signing up or agreeing to contribute funds to any project or business proposal.
Is crowd funding regulated by the Monetary Authority of Singapore ("MAS") in Singapore?
SCF offers an alternative source of financing for start-ups and SMEs. The regulatory framework seeks to strike the right balance between improving access to financing for such entities and protecting your interests as an investor. All SCF platform operators who want to operate in Singapore must be licensed by MAS. MAS will admit only platform operators that are assessed to be fit and proper. Operators must ensure proper segregation of investors’ monies and keep proper records of transactions. SCF platform operators are expected to deal fairly with investors in the conduct of their business. If a licensed operator is found to have breached MAS’ rules, supervisory measures will be taken, ranging from enhanced audits to revocation of license. Fund-raising companies listed on SCF platforms may make small offers (i.e. raising less than $5 million within 12 months) without issuing a prospectus (an investment offering document). But they must disclose the key risks (as prescribed by MAS at a minimum)1 of such investments to you. The key risks were largely described earlier. Before investing, you will be required to acknowledge that you have read and understood these risks. Do take time to consider the investment carefully as ultimately investors bear responsibility for their investment decisions. Crowd funding arrangements which do not involve the offer of securities (for example, where contributions are in the form of donations or pre-payment for merchandise) are not subject to MAS’ regulations.More on lending-based crowd funding
Any invitation to lend money to an entity (e.g. a company) is deemed to be an offer of debentures, which are a type of security. The entity offering debentures must issue a prospectus unless the offer falls within an exemption, for example, if the offer is a small offer (personal offers of securities up to $5 million within any 12-month period) or a private placement (an offer of securities to no more than 50 persons within a 12-month period). Such exemptions are subject to certain pre-conditions.1Key risks to be disclosed are set out in Appendix 2 of MAS’Shares and Debentures Guidelines 4 – Guidelines on Personal Offers
made pursuant to the exemption for Small Offers. 2More information on lending-based crowd funding may be found in MAS issued FAQs on lending-based crowd funding.
Are overseas crowd funding platforms that facilitate any offer of securities to Singapore investors caught under the applicable legislation?
This depends on the business model of the overseas crowd funding platforms. For example, offers made through an overseas crowd funding platform that solicits funds from investors in Singapore will be subject to prospectus and other applicable requirements. However, given the borderless nature of the internet and the fact that many such crowd funding platforms do not have any presence in Singapore, there are practical limits to the enforcement of local requirements. Thus, it is all the more important that you exercise vigilance before you decide to participate in such offers. Before you contribute funds through such overseas crowd funding platforms, you should ascertain if the platform is authorised or required to be authorised to facilitate such offerings, including in Singapore. You should only deal with persons who are regulated. MAS aims to safeguard your interests by ensuring that only competent and professional persons provide financial services to investors in Singapore. If you deal with an unregulated entity, you should be aware that the protection afforded under laws administered by MAS will not apply.
What can I do if I encounter problems arising from my participation in a crowd funding arrangement?
If you suspect that a person has breached your rights as an investor, you can report the matter to MAS by sending your feedback to email@example.com.You should always read the investment offering documents carefully as well as any accompanying documentation. Never buy a product unless you fully understand the risks involved and decide that the product is suitable for your financial needs.
How do I find out whether a company is regulated by MAS?
You can refer to the Financial Institutions Directory found on MAS' website. The Financial Institutions Directory provides a listing of entities licensed to conduct regulated activities under the various Acts administered by MAS. If a consumer chooses to participate in schemes that are not regulated by MAS, he/she will not have the protection afforded under the regulatory framework administered by MAS, particularly if the operators are based overseas. If he has a complaint against an unregulated entity, he will also not be able to approach the Financial Industry Disputes Resolution Centre for assistance. And if an operator is based overseas, it could be even harder for the consumer to pursue the matter. Do also check the Investor Alert List which lists unregulated persons who, based on information known to MAS at the time of publication, may have been wrongly perceived as being licensed or authorised by MAS.


The Town of Newmarket offers a Water and Wastewater Rate Rebate program that is available to any property owner paying a Newmarket resident water bill for their property and qualifying for any of the following:
- The Guaranteed Income Supplement under the Old Age Security Act
- Support under the Ontario Disability Support Program
- Ontario Works Assistance
- A similar federal or provincial income support program
The Water and Wastewater Rate Rebate for qualified applicants is $37.87 per month ($454.44 per year). To apply for this rebate, you must provide proof annually to the Town of Newmarket to demonstrate your eligibility for one of the above programs and complete a Residential Rebate Application form. Our Finance department staff will contact NT Power to adjust your utility bill accordingly.
For more information, please contact the Customer Service department at 905-895-5193 or by email at firstname.lastname@example.org


Individuals and businesses that make a qualified donation of cash or marketable securities will receive tax credits in Virginia equal to 65% of the donation…AND may also claim a charitable contribution deduction on their federal and state income tax returns. AJC receives a limited amount of these tax credits, so donors who give $500 or more are eligible for these benefits on a first come basis. Please contact Laura McGowan, Director of Development, for more information and to determine availability: McgowanL@ajces.org, 804-477-5163.
Disclaimer: Anna Julia Cooper Episcopal School is not qualified to offer personal tax advice. Please consult a tax professional if you have questions regarding tax implications of making a gift such as this.


Airbnb hosting is new and exciting; unfortunately, the tax law is very grey. But if you err on the conservative side of the grey areas, then you might just save yourself a lot of time, money, and headache. Trust me, getting audited is no fun. So here are 5 simple concepts you need to know to make a smarter decision:
1. You’re paid like a business
The first thing that triggers an automatic audit is when the system receives a 1099-K from Airbnb on your behalf and then determines that you did not properly report your Airbnb income.
Passive income from rental properties generally receives a check monthly from the renter. But Airbnb is classified by the IRS as a third party payment provider like PayPal. As such at then end of the year, Airbnb issues you a 1099-K. A copy of this 1099-K gets sent out to the IRS and their automatic system reconciles your 1099-K against your filed return (usually against schedule C). If there is a discrepancy, the IRS automatically sends you a notice.
We had an Airbnb client who went through this issue. He was able to explain his way out with some guidance, however, many take a wrong path and end up paying more in taxes and tax prep fees for amended returns. To be safe, file Schedule C unless you have enough evidence to support your claim that your Airbnb gig is a passive activity and you didn’t provide substantial services.
2. You’re closely similar to other businesses
Most Airbnb’ers will fall under the Schedule C category just like most businesses do. You may have a tax preparer who tells you otherwise and it’s probably because they don’t know much about Airbnb. When they hear rental properties, they quickly assume you should file on Schedule E. But Airbnb’ing your space is more involved than just renting and collecting passive income. Airbnb is closely related to bed and breakfast operations (air bed&breakfast, duh!) and hotel chains which are both taxed as businesses and NOT passive activities.
Does your listing offer amenities as part of guests’ stay?
If the answer is yes, then it may appear that you’re offering services for the convenience of your guest, which by the IRS definition, is providing substantial services. Many tax court cases zeroed in on what’s considered ‘substantial’ so make sure you take a stance that you can back up.
When you book a hotel, it is reasonable for guests to expect that their nightly rate includes a clean room, bed with clean linens, cable TV, soap, shampoo, clean towels, coffee pot, microwave etc. These are provided for your convenience. Similarly, many Airbnb listings includes similar services and guests takes into considerations these amenities when booking so keep in mind that an IRS agent could make the same comparison.
3. You act like a business
Most Airbnb’ers rent their place out less than 30 days. The IRS says that if you’re renting your place less than 7 days on average or less than 30 days on average AND provide substantial personal services, then your activity is no longer “rental” but that of a business. So you’re Airbnb income should be reported on Schedule C and not on Schedule E.
Airbnb’ers can generate losses in the early years especially if they invest in business assets to furnish or redecorate their space. But the IRS questions losses because, in their minds, no one would operate a business to lose money unless it’s a hobby or a tax loophole. So the IRS created limitations on what losses can be deductible against ordinary income.
Back in the old days, people who made a lot of money on their W-2 income felt the pinch of getting taxed at the highest tax bracket. So one of the tax loopholes available was to buy real estate properties and allow the equity to build up while operating at huge losses. The huge passive losses could offset ordinary income so high earners paid way less in taxes. The IRS caught on, shut down the party, and ended the loophole.
Fast forward to today, you can only offset your active losses against ordinary income. Passive losses can only be offset against passive gain. So if you’re operating in a loss for multiple years on Schedule C, you have a higher chance of an audit.
4. The IRS and local governments want to classify you as a business
If you act like a business, get paid like a business, and provide services similar to other businesses that pays Self-employment taxes, then you must be a business! Uncle Sam wants his fair share and he’s going to get it one way or another. Either the hosts or Airbnb is operating a business so someone has to pay up for the Self-employment tax.
Airbnb is a third party platform like EBay and Craigslist that processes payments between the hosts and guests. Airbnb is different than Uber and many sharing economy companies that hire independent contractors, therefore, hosts are the most likely target of the IRS. It’s really hard to claim that you’re not a business when you (or a management company) handles the nightly bookings and provide personal services to your guests like hotel chains.
Your local government also wants to classify you as a business. Hotel and motel chains collect transient occupancy tax (or hotel tax) from their guests and remit the payments to the local government. The tax is used to fix the roads, beautify the city, and promote tourism. Regardless if transients stay at Airbnb or hotels, the city still needs their hotel tax from transients. So either Airbnb or the hosts (a.k.a., business owners) are required to collect from the transients and remit the payments to the city.
5. Don’t writeoff your business and personal space
Many Airbnb’ers rent out their extra room or entire spot when they’re on vacation. Problem is, many of these spaces are not exclusively used for business; some uses the spare room for their personal stuff. The fastest way to get audited is if you deduct both the personal and business portion of your home expenses. There are many court cases related to shared spaces in which the tax courts ruled that common spaces are considered personal space. So make sure your calculation is flawless, otherwise, years of back taxes, interest and penalty will haunt you.
Our general professional guidance is to file your returns on Schedule C unless you can substantiate that you should be on Schedule E. Contact one of our Levee tax professionals who will properly calculate the business percentage of your home expenses that is tax deductible.


Buying a home? It is probably the most expensive purchase you will ever make. This is no time to shop for a cheap inspection. The cost of a home inspection is very small relative to the value of the home being inspected. The additional cost of hiring an InterNACHI-certified inspector is almost insignificant by comparison.
You have recently been crunching the numbers — negotiating offers, adding up closing costs, shopping for mortgages — and trying to get the best deals. Don’t stop now. Don’t let your real estate agent, a “patty-cake” inspector, or anyone else talk you into skimping on the home inspection. InterNACHI-certified inspectors perform the best inspections by far.
InterNACHI-certified inspectors earn their fees many times over. As the most qualified inspectors, they do more, they deserve more, and — yes — they generally charge a little more. Do yourself a favor and pay a little more for the quality inspection you deserve.
*Written by InterNACHI


Loans are a fundamental financial tool that many individuals and businesses rely on to achieve their goals and address various financial needs. Whether it’s purchasing a home, funding education, starting a business, or dealing with unexpected expenses, loans provide a means to access capital. In this article, we will delve into the world of loans, exploring the different types available, the factors to consider when applying for one, and the responsible management of borrowed funds.
Types of Loans
Loans come in various forms, each tailored to specific purposes. We will discuss the most common types, including personal loans, home mortgages, auto loans, student loans, and business loans. Understanding the differences between these loans is crucial in making informed borrowing decisions.
The Borrowing Process
The process of obtaining a loan involves several steps, from application to approval and disbursement. We will walk you through the typical loan application process, highlighting the importance of creditworthiness, income verification, and documentation.
Interest Rates and Repayment Terms
Interest rates and repayment terms are key aspects of any loan. We will explore how these factors can significantly impact the cost of borrowing and how to choose the most suitable loan with favorable terms. Additionally, we will discuss fixed and variable interest rates, as well as the importance of a well-structured repayment plan.
Responsible Borrowing and Managing Debt
Managing debt responsibly is essential to financial well-being. We will provide guidance on budgeting, debt consolidation, and strategies for avoiding excessive debt. Understanding your financial capacity and making timely payments are crucial to maintaining a healthy credit profile.
Loan Pitfalls and How to Avoid Them
While loans can be valuable, they also come with risks and potential pitfalls. We will highlight common mistakes borrowers make, such as taking on too much debt or falling for predatory lending practices. Learning to identify red flags and exercising caution when borrowing is essential to financial security.
Loans are powerful financial tools that can help individuals and businesses achieve their objectives. However, they require careful consideration and responsible management. By understanding the types of loans available, navigating the borrowing process effectively, and making informed decisions regarding interest rates and repayment terms, you can use loans to your advantage and avoid falling into financial traps.
If you are considering taking out a loan, take the time to educate yourself about the various options and their implications. Create a comprehensive financial plan that includes debt management strategies and responsible borrowing practices. Prioritize building and maintaining a strong credit history to access loans with favorable terms. Lastly, seek financial advice from professionals when needed to make well-informed decisions about your borrowing needs. Responsible borrowing ensures a brighter financial future.
- Navigating Startup Challenges: Success Strategies - 13th November 2023
- Understanding and Navigating the World of Managing Debt - 1st November 2023
- Finance: Navigating the World of Money - 25th October 2023


Everyone knows that sports is big business. It hasn’t always been this way, but in the past three decades professional sports has found a way to significantly increase the money they take in.
So how does the NHL fit into this landscape? Are they racking the money in like other sport leagues?Embed from Getty Images
What is the yearly revenue for the NHL? The yearly revenue for the NHL is about $5 billion dollars, which is predominantly made up of television revenue, gate receipts, concessions, and royalties from licensing. The collective bargaining agreement between the owners and players split these revenues 50/50.
NHL Yearly Revenue Chart
As you can see over the last ten years the NHL has significantly increased its revenue. The one dip in 2012/13 was due to an NHL lockout that limited the year to a 48 game season.
I expect the league to continue to grow their revenues significantly in the upcoming years. Let’s take a look at what makes up these revenues and where the greatest room for growth is.
What makes up the NHL yearly revenue?
Ticket Sales – the NHL still relies more on ticket sales as a proportion of its revenue than the other major sports. In fact, the largest portion of the NHL revenue comes from ticket sales. In Toronto the average ticket price is $386 Canadian ($300USD). In Calgary, you can still get the cheapest seats for about $30. Luxury boxes – wow, those rack in the money. I have sat in them a couple of times – I am glad I didn’t have to pay the bill 🙂
Television – the NHL still makes a sizeable portion of of it’s tv contract. The NHL national contract for Canada is actually worth more than the US one , even though Canada has 1/10 of the population. In Canada Rogers paid $600, whereas the U.S. national contract is $200 million.
Merchandise and Concession Sales – this involves all the money that they get from t-shirt, jersey, parking, popcorn, and those $10-12 beersEmbed from Getty Images
Royalties from licensing – The NHL gets a lot of money from the licensing of it’s logos, images of players, and association with products. If you have ever bought an NHL product it is likely that the NHL did not produce it, but, instead, the NHL sells the permission for a company to make a product with its name.
Have you ever bought a EA sports NHL video game? I have. (Actually, a lot of them through the ages)
Have you ever bought an NHL lego character? I have (I’ve got Sean Monohan and Steven Stamkos in lego form).
Have you ever bought an NHL table hockey game? I have (actually, a few of them over my lifetime).
Wow- I have bought a lot of NHL licensed products!!!
Even if I’m not buying a ticket to the game I am sending the NHL money through the purchase of these products.
Growth of revenues going to come from?
Expansion fees – the NHL has recently increased their revenue through the expansion of the Vegas Golden Knights, which accounted for $500 million to their coffers. The owners swung a good deal as they did not need to count it is Hockey Related Revenue – this means they didn’t need to share it with the players.
Anyway, Vegas has increased the revenue of year-to-year with merchandise sales, local tv, ticket sales (I hear it is amazing to attend a game their, and the players already love playing their).
The NHL is going to do this again with Seattle, who enter the league in 2021-22. The expansion fee was $650 million and Seattle has already sold all of its season tickets and has a waiting list. There is more money coming to league operations.
Gambling – Any U.S. State can now offer legalized sports betting. All have taken different approaches and some are still considering their offers, however the NHL is definitely partnering in the roll out. This could be a potential cash cow as the NHL looks to get a slice of the revenue of people betting on it’s games.
TV Revenue Growth – the biggest jump in NHL revenue will be the renegotiation of the U.S. national television deal. The $200 million/year they got from NBC is a rounding error when compared to the NFL, MLB and the NBA. I am not suggesting that the NHL will get anywhere near those leagues deals, but they will get a substantial raise.
The league has continued to increase viewership with Game 7 of the Boston – Blues series at 9 million was the highest ever for a game. People who tend to watch and go to NHL games have a higher than average income, and sports tv contracts continue to rise. All of this points to good things for the NHL when their U.S. tv contract with NBC sports comes due.
Watch for ESPN and Fox get back in the fight, but I think a combination of NBCSports and ESPN will take home the rights.
Increased game day revenue – this means an increase in ticket costs. I always wonder how much they can keep on raising prices, but they do. NHL teams are always looking at ways to increase sales in-house whether that is from more luxury boxes, restaurants, or special game experiences such as behind the scenes tours.
For example, I once got to go on the ice after a preseason game and get a picture with a few Flames players. This cost extra to the price of the ticket!
Main Expenses of Each Team
The NHLs largest expense (and this should come as no surprise) is the
An average NHL team is spending between $75 to $80 million a year on player’s salaries.
The rest of the money will go to the front-office staff, travel, local marketing, and building operations.
No one is quite sure how much money a team makes (or loses), but the setup with the players through the collective bargaining agreement is to split revenues 50/50.
This means that both players and owners share in the growth of the game.
The one thing I would wonder is what is counted as revenue. I am fairly certain that the owners have some revenue sources that are not counted towards the 50/50 split (like expansion fees).
How does this compare with other leagues?
The NHL yearly revenues of $5 billion dollars is a lot of money, there is no question about that.
However, this number does pale in comparison to the other major sports leagues in the U.S.
Here are the numbers from other sports:
The main difference between the leagues is revenue generated through television deals. The size of the television deals the other three leagues have negotiated dwarf the NHL deal in the United States.
The NHL is partially saved because it is able to negotiate a large television deal with the hockey crazed Canadian television market.
The NHL makes about $5 billion USD in revenue each year. They have significantly grown their revenues over the past 20 years.
Look to see the NHL to continue to increase the amount of revenue they accumulate as they look to renegotiate a US television deal within the next two years. This along with the continued growth of the sport in the U.S. look to be the biggest upsides for the NHL.


If you’re considering buying or selling a home in Waterloo Region, then you’ve come to the right place! Buying or selling a home can be one of the largest financial decisions you'll make, and choosing the right REALTOR® is a very important decision. When you work with the Marcia Grove Realty Team, we will provide an unmatched level of communication, service, and results!
Whether you're a first time home buyer or an experienced investor, we're committed to guiding you through the buying process. There are many important details to consider when purchasing a home. Avoid time-consuming and costly mistakes and put our experience to use.
It's important to work with an experienced REALTOR® when selling your most valuable asset. Selling a home takes preparation, organization and professional marketing. By choosing us to sell your home, we'll guide you through every stage, from analyzing your needs to closing the sale.


How can I pay online?
We accept payments within Australia using:
- Zip Pay
- Alohra Gift Cards
How do I pay online using PayPal?
PayPal allows you to make secure purchases without revealing your credit card number or financial information. Not only does PayPal help keep this information private, it guarantees 100% protection against unauthorised payments sent from your account.
Visit www.paypal.com.au for more information.
How do I pay online using AfterPay?
AfterPay is a service that allows flexible payment plans for online purchases. Shop the gear you want now and pay it off in four equal payments over 8 weeks.
To use AfterPay you must:
- have an Australian residential address
- pay with a credit or debit card
- be over 18 years old
- transaction must be between $1.00 and $1,500.
Using AfterPay for the first time:
- add your gear to the shopping cart
- choose AfterPay as your payment method at checkout
- you will be prompted to create an AfterPay account and confirm and pay the first of four instalments upfront
- if you are a first-time customer, you will not be able to make another AfterPay purchase until your final payment on your initial purchase has completed
Please note: when paying with AfterPay you cannot split payment types eg: you cannot pay half with gift card and other half with AfterPay.
For more information please see AfterPay.com
How do I pay online using Gift Cards?
We accept Alohra Gift Cards only. Simply choose gift card as your payment method during checkout. You will need to enter your full gift card number.
You can use a gift card to pay for a portion of, or your entire online order purchase amount.
We can only process one gift card per online transaction.


The 2024 tax season begins in roughly a month, which implies it is time to begin getting any tax paperwork you have already got collectively. It is also a superb time to start out saving cash for a possible tax invoice, and even to pay your estimated taxes now. We’ll inform you what the deadline is for submitting and paying your taxes.
Additionally, on the subject of state taxes, a majority of states adhere to the federal authorities’s timetable, however some have their very own schedule (see extra beneath).
Listed here are the dates it is advisable know to get you thru this tax season. For extra on taxes, this is the way to arrange an account on the IRS web site and the way to file your taxes in your telephone.
How quickly can I file my 2023 tax return?
The IRS hasn’t introduced an official submitting date for many who prefer to get an early begin on submitting their tax returns. Nevertheless, the window often opens in late January. We’ll replace this story when the IRS makes an announcement.
Employers are required to ship workers their W-2 and 1099 revenue tax types by the tip of January.
When is the deadline for submitting a 2023 tax return with the IRS?
The official deadline to file federal tax returns is Monday, April 15, 2025.
What is the deadline to file for a tax extension?
April 15 can also be the deadline to file a tax extension with the IRS. Getting an extension does not change the cost deadline. It simply provides you till October to finish the related paperwork.
You continue to must submit any quantity you owe on time to keep away from late penalties.
Some states have later tax return deadlines
Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming don’t accumulate revenue taxes.
Of the 41 states that do, most adhere to the April 15 federal submitting deadline. There are some exceptions, together with Delaware, Iowa, Louisiana and Virginia.
Thus far, residents in different states with federal submitting extensions should nonetheless file their state returns by April 15, 2024. Most often, taxpayers can request an automated submitting extension however they nonetheless must make any excellent funds by the unique deadline.
Test together with your state division of income for essentially the most up-to-date data.
When can I count on my refund?
The IRS says taxpayers who file electronically and are due a refund can count on it inside 21 days — in the event that they select direct deposit and there aren’t any points with their return.
By legislation, the IRS should wait till mid-February to subject refunds to taxpayers who claimed the Earned Earnings Tax Credit score or Extra Little one Tax Credit score. Based on the company, these funds must be obtained by Feb. 27, 2024, for taxpayers who use direct deposit and don’t have any different points.


This type of business rarely comes on the market. Rare opportunity to purchase a highly successful, well-managed Agro Growing / Processing Business. The business operates in a niche sector, that is rapidly growing. The business is over 22 years of age and has established itself as a strong player in this sector.
The business has built up a strong client base of mainly blue-chip clients. Approximately 70% of its sales go to the retail market and 30% to the wholesale market.
The industry has high barriers to access and as such the business has limited direct completion within a large area.
The demand for the product they produce is constantly growing and bodes possibly for the business to continue growing at over 10% per year for at least the next 10 years. Approximately 4 years ago the business went through large capital expenditure and all the facilities were upgraded to the most modern technology, this upgrade also means that no further capital expenditure will be required for the next 5 years to accommodate the expected continued growth of the business.
The business is well-staffed and most staff members have been with the business for a long period of time. There is a full management team in place, which gives the owners flexibility in managing their business. They do make themselves available at the business on a daily basis and this is merely at oversight level as they are not involved directly in the day-to-day operations.
The business has shown to be consistently profitable over the past several years. From the financial summary, one can see that the total revenue in the 2021 financial year did drop to less than the 2020 financial year. This can be directly linked to the hard lockdown experienced in the early period of the 2021 financial year. From June 2020 the business has recovered back to normal trading figures.
The business has clear financial data and strong controls, allowing perspective business to easily undertake full due diligence.
The business, movable and immovable assets are all owned in a close corporation. The Sellers are looking to sell their member's interest in the close corporation.
This exceptional business comes highly recommended and we strongly suggest that buyers take a look.
|Staff:||78 staff members.|
|Asset Value:||R 47,000,000.00|
|Cash Flow:||R 12,685,752.00|
|Years Established:||23 years.|


- As per the CBSE guide lines, our school office will entertain only cashless transactions for any matters.
- Our school will collect fees (including bus fees) only through online transactions.
- Visit our school website, www.sdvcentralschool.in for online transaction.
- Tuition fees will be accepted without fine up to 20th of each month.
- A fine of RS. 50/- will be levied for fees paid after 20th up to the end of that month.
- A 5% discount is offered to those who pay the tuition fee for the whole year on or before the month of June.
FEE SCHEDULE FOR THE ACADEMIC YEAR 2018-19
|UKG - VIII||1600|
|IX - X||1800|
|XI - SCIENCE & COMPUTER||2300|
|XI- COMMERCE & HUMANITIES||2100|
|XII - SCIENCE & COMPUTER||2300|
|XII- COMMERCE & HUMANITIES||2100|


Bakery of Dembayara
This community bakery is a sustainable economic program designed and implemented by Guineans to serve the needs of their communities in the region of Dembayara, Guinea West Africa.
In December of 2015, Guinea Exchange raised over $10,000 to cover the cost of fabricating the oven, constructing the building, creating a home for the baker and providing initial setup supplies.
This bakery has already begun to sustain itself and its community, providing food for dozens of neighboring villages. It is assisting with food scarcity in some of the hardest to reach communities in the country especially during the rainy season.
The bakery of Dembayara is not only creating jobs, it also is paying back a micro loan in monthly increments and donating profits to the Dembayara Clinic.
Loan proceeds will be held on reserve by Guinea Exchange to fund future micro-finance projects in the region of Dembayara.
In this way, your donation dollars continue to support this community as the bakery succeeds.
The Guinean people are resourceful, creative and hard working. They just need assistance to put their ingenuity into motion.
The Bakery of Dembayara is a perfect example of that ingenuity.
Updates for January 2016 — Land has been cleared and the brick oven for the bakery has been completed and installed.


Department of Accountancy and Law
Dr. Gaoguang Zhou 周高光 博士
Associate Professor, Department of Accountancy and Law
Associate Director, MBA
Auditing, Corporate Finance/Governance, CSR
- Hu, G., Liu, Y., Wang, J., Zhou, G., & Zhu, X. (2022). Insider ownership and stock price crash risk around the globe. Pacific Basin Finance Journal, 72(2022), 101714.
- Zhou, G. (2022). Good for managers, bad for shareholders? The effects of lone-insider boards on excessive corporate social responsibility. Journal of Business Research, 140(2022), 370-383.
- Chen, R., Tong, Y., Zhang, F., & Zhou, G. (2021). Do female directors enhance R&D performance?. International Review of Economics and Finance, 74, 253-275.
- Bu, L., Chan, K., Choi, A., & Zhou, G. (2021). Talented inside directors and corporate social responsibility: A tale of two roles. Journal of Corporate Finance, 70, 102044.
- Li, X., Tsang, A., Zeng, S., & Zhou, G. (2021). CSR Reporting and Firm Value: International Evidence on Management Discussion and Analysis. China Accounting and Finance Review, 23(2), 102-145.
- Shi, H., Wen, W., Zhou, G., & Zhu, X. (2021). Do Individual Auditors Have Their Own Styles? Evidence from Clients' Financial Statement Comparability in China. Accounting Horizons.
- Zhao, X., Zhou, G., & Rezaee, Z. (in press). Tournament Incentives and Corporate Social Responsibility Performance. Journal of Accounting, Auditing & Finance.
- Kim, Y., Su, N., Zhou, G., & Zhu, X. K. (2020). PCAOB International Inspections and Merger and Acquisition Outcomes. Journal of Accounting & Economics, 70(1), 101318.
- Ge, W., Kang, T., Song, B., & Zhou, G. (2020). Audit Profession Development and Bank Loan Contracting. Auditing: A Journal of Practice & Theory, 40(2), 85-105.
- Chen, Y., Lin, B., Lu, L., & Zhou, G. (2020). Can Internal Audit Function Improve Firm Operational Efficiency? Evidence from China. Managerial Auditing Journal, 35(8), 1167-1188.
- Cai, M., Chen, Theodore T. Y., & Zhou, G. (2020). Progress of and Obstacles to IFRS Implementation in an Emerging Economy: Auditors' Perspective. China Accounting and Finance Review, 22(1), 1-30.
- Tang, S., Wang, W., & Zhou, G. (2020). Remanufacturing in a competitive market: A closed-loop supply chain in a Stackelberg game framework. Expert Systems with Applications, 161, 113655.
- Jung, B., Kang, T., Lee, W., & Zhou, G. (2020). Pro-Labor Institutions and Corporate Employment Efficiency. Journal of Accounting, Auditing & Finance.
- Chen, W., Zhou, G., & Zhu, X. (2019). CEO tenure and corporate social responsibility performance. Journal of Business Research, 95, 292-302.
- Chen, Theodore T. Y., Zhang, F. F., & Zhou, G. S. (2017). Secrecy Culture and Audit Opinion: Some International Evidence. Journal of International Financial Management and Accounting, 28(3), 274-307.


Agricultural Loans: Just How They Can Help Your Farm Grow
No matter how little your farm may be, Agricultural Loans can help it expand. Agricultural Loans are a specialized sort of loan that is made to aid farmers and also ranchers purchase land, animals, equipment, and various other products needed to run a farm. In Colorado, Agricultural Loans are offered through the Farm Service Agency (FSA), which is a division of the United States Department of Agriculture (USDA). If you are a farmer in need of funding for your agricultural operation, Agricultural Loans may be the ideal service for you!
What is a Farm Loan
If you're in the agricultural industry, you know that farming is a pricey company. Beginning as well as operating a farm might be challenging, as well as you'll likely need funding-- specifically if you're brand-new to the area. That's where an agricultural loan comes in convenient.
You can use a farming loan for various purposes to assist enhance or expand your farm or cattle ranch organization. If you make use of the loan intelligently, it will lead to success.
Prior to you obtain an agricultural loan, you ought to think of how to spend the cash. What tools will assist you achieve your goals as well as keep your company going? Just how much do you need to borrow? You'll need to have these strategies in place before obtaining the loan to ensure that you can utilize it appropriately. Farm ownership loans, as an example, can be made use of to acquire a farm or ranch, construct buildings or make improvements to building. Operating loans are suggested for short-term expenditures like seed, fertilizer, gas as well as animals feed.
Right here are eight ideas of just how to use your farm loan:
Buying Essential Farm Equipment
One of the most crucial points that a farm loan can be made use of for is purchasing vital equipment. This may include a tractor, irrigation system, or other equipment. If you're just starting out, you may not have the resources to buy these products outright, so a loan can be incredibly practical. You'll need to ensure that you have a prepare for paying off the loan, yet if you use the equipment wisely, it will be a rewarding investment.
Covering Operating Costs
Another essential usage for a agricultural loan is to cover your operating costs. This could include things like seed, fertilizer, and other materials that you need to maintain your company running. It can be difficult to anticipate just how much you'll require to invest in a given year, so a loan can provide you the flexibility to cover these costs when they occur.
Investing in Supplies
What do you need in order to increase crops? Seeds and dust! It 'd be excellent if starting a farm were as simple as growing seeds in the ground. Nevertheless, you'll likewise require equipment (as we previously went over), plant food, collecting instruments, as well as cash money for these and all of the other costs associated with taking off with a cash plant.
By permitting you to get vital products, such as a truckload of heritage tomatoes or a herd of Heifer livestock, your agricultural loan can set you up for success by getting you off on the best foot.
Bear in mind that you will not have the ability to repay your loan till harvest time, so maintain the quantity of your loan in mind - you might need to borrow enough to cover your operating costs till you start selling.
Treatment Land Costs
Farming loans can be made use of to get or lease home. It may be tough to browse the ins and outs of land acquisition, and the kind of farming you want will identify the sort of land you require. To determine just how much loan to take, you'll need to know what sort of land and also just how much of it you'll need, in addition to just how much it'll cost.
Realize that you may have difficulty obtaining an agricultural loan to purchase land unless you put something up for collateral. Financial institutions bear in mind the fact farming can be a harsh service enterprise to do well in and also they may want some sort of insurance coverage or loan cosigner to guarantee they'll get their cash back.
Weathering Price Crises
Farming is a fickle sector, and couple of people remain in doubt concerning this. Yearly, your plant and also livestock production differs, as does the rate of products. Simply put, you're at the whim of buyers.
Farm loans are exceptionally practical throughout the slower times for your farm. Loans can help your organization get through both the excellent and also poor moments. They act as a security blanket of sorts, letting you understand that points will at some point select back up again.
You may repay the loans and proceed growing your farm when you've come back on your feet.
Fight Droughts as well as Other Adverse Weather Conditions
Every so often, the climate in Colorado develops dry spells, floodings, storms, and various other all-natural catastrophes. These cases are regularly unforeseen and may lead to substantial damages to your farm.
You can minimize prospective damage to your farm by preparing beforehand as well as building watering channels. Nevertheless, it's impossible to predict whatever, so sometimes despite your best shots, points can still fail.
Whatever the factor, a farm loan can aid you in remaining to run. They might assist you restore immediately and also get better more powerful and better.
Refinancing Old Loans
You may want to finance an older loan with the profits of a new one sometimes. Simply put, you would certainly have an impressive loan still, however your rate of interest payments would certainly be reduced because of the newer loan's prices. This might sound weird, yet it's done typically in farming companies.
One of the most vital point to remember is that your passion cost savings need to be greater than or equal to the refinancing expenses. Consequently, it's crucial that you talk to your financial experts prior to making a decision.
An agricultural loan might be used to expand your company. When you at first started, you had to spend a substantial amount of cash on land, equipment, as well as other goods. Increasing your business requires the very same degree of investment. Utilize your agriculture loan to get even more property, larger centers, even more cattle, even more equipment, and so forth. You might likewise utilize the funds to work with added staff - a bigger procedure will certainly need much more hands!
Agricultural Loans in Colorado
There are many types of Agricultural Loans offered in Colorado. The two major sorts of Agricultural Loans are Direct Loans and Guaranteed Loans.
Direct Loans are made by the United States government and also have reduced interest rates than Guaranteed Loans. Surefire Loans are made by personal lending institutions however are backed by the government.
The type of Agricultural Loan that you pick will rely on your demands as well as credentials. To find out more regarding Agricultural Loans in Colorado, call Farm Plus Financial for added details.


Whether you live in Austin, Central Texas or anywhere within the country, we recommend our clients protect their investment by purchasing jewelry insurance. Protecting your newly purchased diamond engagement, wedding ring or other custom designed jewelry items is important. After all, your personal jewelry will become family heirloom pieces passed down from generation to generation. All the more reason to properly insure your jewelry. Below are more reasons why you should protect your highly prized jewelry items.
Where do I purchase insurance for my jewelry?
Your favorite pieces of jewelry reflect who you are and connect you to special moments with the ones you love. Jewelers Mutual Insurance Company – the only insurer specializing exclusively in jewelry insurance for more than 100 years – offers repair or replacement coverage to protect your jewelry for all its worth. Consider Jewelers Mutual for your jewelry insurance.
Personal Jewelry Insurance from Jewelers Mutual Insurance Group
We trust Jewelers Mutual and believe you deserve a professional, informative jewelry insurance experience so that you can wear your jewelry without worry.
Jewelers Mutual Advantages:
- Comprehensive repair or replacement coverage that often goes beyond standard homeowners insurance and warranties
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- Licensed agents, GIA Graduate Gemologists and American Gem Society Certified Gemologists on staff whose passion and specialty is jewelry
- Personal, professional assistance for your insurance with every call, question or claim
Jewelers Mutual Insurance Group has provided the content on this page. Underwritten by Jewelers Mutual Insurance Company, Neenah, Wisconsin. Coverage and pricing are subject to underwriting review and approval, and to policy terms and conditions.
For a FREE jewelry insurance quote, contact JewelersMutual.com , and enter our Jewelers Code A00357 to apply online and learn more. If you have any questions, please call Jewelers Mutual at (888) 884-2424.


For when you require additional main exhibition or event listings
Additional Main Exhibition or Event Listing
You can purchase as many of these as required.
Any related events can be nested underneath this main exhibition listing.
A link to submit the details will be provided at a later date.
Refunds for addtional listings can be given until 1st April 2024.
After this time, if no longer required, they will be considered donations to the festival. We will have budgeted the overall festival spend based on money raised through listings.
Thank you for your understanding.


The Federal Reserve (Fed) kept interest rates unchanged and Chairman Jerome Powell stated the Fed would “do whatever it takes for as long as it takes” to support the recovery.
The Fed indicated it expects to keep rates near zero through 2022.
Treasury and agency mortgage bond purchases will continue at least at their current pace, which reflects stronger guidance than investors expected.
Today’s announcement is consistent with our “glass-half-full” view on the path forward.
As expected, the Fed held interest rates unchanged near zero today following its regularly scheduled two-day meeting. Chairman Jerome Powell reiterated the significant short- and medium-term risks they see to the economy, emphasizing the Fed will do “whatever we can and for as long as it takes” to promote the economic recovery. Chairman Powell did not announce any new initiatives, but highlighted the ongoing implementation of recent programs paired with the Fed’s willingness to use additional tools if needed. We anticipate the Fed will maintain a forceful accommodative policy stance for the foreseeable future.
The S&P 500 closed modestly lower, with growth stocks outperforming value and larger companies outperforming smaller. Treasury bond yields fell across maturities on the Fed’s commitment to maintain asset purchases and their plan to keep rates low for years.
Today’s announcement reiterated the Fed’s intention to keep rates near zero for an extended time, confirmed the plan to continue large-scale asset purchases to help keep borrowing costs low, and provided details regarding some program implementation. Treasury and agency mortgage bond purchases will continue “at least at the current pace” while corporate bond purchases are set to rise. Chairman Powell noted the Main Street Lending Facility directed at small- and medium-sized businesses will be up and running shortly. The Fed’s Summary of Economic Projections (SEP) indicates a cautious outlook in the near term that may warrant additional stimulus measures, with the gross domestic product projected to fall by 6.5 percent in 2020 before rebounding 5.0 percent in 2021. The Fed’s “dot plot,” which displays members’ expectations for interest rates in coming years, expresses the clear signal that they are unlikely to raise rates through 2022. Chairman Powell noted the viability of Treasury bond yield targeting by the Fed (referred to as yield curve control or yield caps) remains an open question. Japan, and more recently Australia, have implemented yield curve control as a means of keeping longer-term government bond yields low.
Aggressive policy measures from the Fed, European Central Bank, Bank of Japan and others continue to support market liquidity, access to capital and investor confidence for the time being. Acute credit market stresses have subsided relatively quickly, with yield spreads (the difference between corporate bond yields and equivalent Treasuries) compressing from extremes to levels only somewhat above long-term norms and corporate debt issuance breaking records year to date. Strong issuance indicates companies can bridge the gap in damaged operating cash flows with debt issuance to bolster cash balances, at least for now. Most importantly, we continue seeing improvement in the number of COVID-19 cases and a job market that has begun the recovery process as economies reopen.


Due to high patient demand at its 4725 Market Street location in San Diego, CA, Family Health Centers of San Diego (FHCSD)—one of the 10 largest health centers in the country—has embarked on a $24.6 million building expansion project, called The Diamond II – Family Counseling and Wellness Center. Capital Fund is proud to support this project with an $8 million New Markets Tax Credit (NMTC) allocation.
In addition to Capital Fund’s allocation, the project will also be funded through an $11 million NMTC allocation from Civic Communities Partners, Inc., and the health center’s cash on hand.
The Diamond II will be a five-story structure with four levels of parking topped by a 20,500-square-foot clinic, which will include a women’s health suite, a physical rehabilitation suite, and a mental health suite. The women’s health suite will consist of 12 exam rooms, two offices for perinatal case management, a fetal non-stress test room, as well as nursing and provider stations. The physical rehabilitation suite will consist of six chiropractic treatment rooms, five sports medicine treatments rooms, a large gym style physical therapy area, and provider stations. The mental health treatment suite will have 22 behavioral health therapy rooms and two behavioral health group treatment rooms.
The new clinic will allow FHCSD to increase annual patients by 25%, from 161,436 in 2022 to a projected 201,865 by 2030. Patient visits are also expected to increase by 31%, growing from 1.03 million in 2022 to nearly 1.4 million in 2030. This project will also grow community jobs, increasing FTEs from 2,054 to 2,716 in 2030—a 32% jump.
The Diamond II Center will be located in the Diamond I Center’s 85,000-square-foot parking lot. Both clinics will continue to operate upon completion of the Diamond II project, set to open in August 2024.
As one of the 10 largest Federally Qualified Health Centers (FQHC) in the United States, FHCSD operates 73 sites across San Diego County along with multiple mobile medical units. For 50 years, FHCSD’s mission has been to provide caring, affordable, high-quality health care and support services to the communities in which they operate. The health center is focused on identifying and improving the impact negative of social drivers of health on communities. This mission has resulted in FHCSD expanding beyond primary health care and into health research, housing, employment training, and job opportunities for its low-income patients and their families.
For health centers that prefer to lease solar and battery equipment rather than purchase, please contact Andrew MacCalla, CHARGE partner at Collective Energy, here. Capital Fund will lend Collective Energy the funds to support the purchase of this equipment.
The CHARGE Partnership is creating a nationwide resilient power and clean energy program for Federally Qualified Health Centers (FQHCs).
Motivated by the urgent need to tackle issues at the intersection of health equity, climate change, environmental justice, and financial and operational resiliency, CHARGE is working to create a clean energy solution that will support populations most vulnerable to power outages in areas disproportionately burdened by chronic disease, the impact of poverty, and racial and ethnic health inequities.
Healthcare Georgia Foundation has awarded Capital Fund a $500,000 Program Related Investment (PRI) to provide affordable loans to Georgia Federally Qualified Health Centers (FQHCs) to support the expansion of primary and preventive care services for low-income, underserved populations in Georgia.
As a result of this award, Capital Fund has increased its capacity to offer fixed rate and low-cost, term loans to Georgian FQHCs for facilities construction and equipment projects. These loans will enable FQHCs to efficiently and cost effectively sustain and expand the range of services they provide, including medical, dental, behavioral health, substance use disorder, vision, enabling, and other services designed to promote community wellness.
In addition, Healthcare Georgia Foundation has awarded Capital Fund a separate $50,000 grant to support Georgia FQHCs in learning more about capital project financing through trainings, meetings, and site visits. This grant will also support technical assistance offered through our LoanPLUS loan program.
Healthcare Georgia Foundation is a statewide, charitable organization whose mission is to enable, improve, and advance the health and well-being of all Georgians. For more information, visit healthcaregeorgia.org.
Capital Fund provided Hudson Headwaters Health Network (HHHN) in Glens Falls, NY, a $5 million NMTC allocation to support their $20 million health center expansion project which just closed financing on May 2, 2023. HHHN's new site will establish a Program of All-Inclusive Care for the Elderly (PACE) facility to serve individuals ages 55 and older with multiple chronic health conditions but who can still live safely in the community.
The project includes the construction of a new 17,000-square-foot medical facility as well as a 14,000-square-foot PACE Center. HHHN’s existing clinic, located half a mile from the new sites, will continue to offer urgent care services. The new medical clinic will provide a larger, more comfortable space for patients and providers. The expansion project is expected to increase patients from 118,000 annually in 2022 to 155,500 in 2030, as well as grow visits from nearly 400,000 in 2022 to 525,000 in 2030. The new facilities are slated to be completed in September 2023.
The new PACE program will accommodate 80 to 100 participants on any given day and will include multi-purpose space for adult day care with health care and social activities, treatment and therapy rooms, food preparation and dining areas, and administrative offices. Participants in HHHN’s PACE program will receive their health care from a team of health professionals who continually assess, coordinate, and implement required services for each participant. This program, designed to serve the area’s aging and vulnerable patients, will include coverage for at-home skilled nursing care, doctor visits, personal care, physical and occupational therapy, meals, social day programs, prescriptions, specialty medical care, respite care to ease the strain on caregivers, transportation, and nursing home care if necessary.
In addition to the NMTC allocation from Capital Fund, this project was also funded through an NMTC allocation from Primary Care Development Corporation (PCDC), a grant from the NY Department of Health, and a cash contribution from HHHN.
Across its 21 locations, HHHN offers a full range of services including primary, dental, and mental health. The health center’s first site, in what would later be known as Hudson Headwaters Health Network, opened in Chestertown in 1974. Over the next few years, HHHN expanded to open clinics in Warrensburg, North Creek, and Indian Lake, before these four health centers officially became HHHN in 1981.
Capital Fund contributed a $6 million NMTC allocation to Fair Haven Community Health Clinic (Fair Haven) in New Haven, CT, for the development of a new and modern 35,560-square-foot facility adjacent to its primary clinic. Fair Haven closed financing on the new space on April 26, 2023, which will allow the health center to expand its medical and behavioral health services, with special focus on pediatric and geriatric care.
The $39 million project will expand Fair Haven’s existing clinic, which is currently a set of four Victorian homes built in the 1800s that were renovated into a single health clinic structure. The new facility, which will expand the current health center’s size by 112%, will allow Fair Haven to serve nearly 6,300 more patients annually, growing from 32,000 to 38,000. The new space will allow the health center to expand its medical and behavioral health services, with special focus on pediatric and geriatric care.
The clinic will have 45 exam rooms, behavioral health and substance-abuse treatment areas, an in-house pharmacy, a computer room for a digital literacy program, and office and conference space. The project will also expand the parking lot to help meet the acute shortage of off-street parking. The project is expected to be completed by December 2025.
In addition to Capital Fund’s NMTC allocation, this project was also funded through a loan from Cambridge Savings Bank and a grant from the American Rescue Plan Act of 2021, as well as NMTC allocations from Urban Research Park CDE, The Community Builders, Massachusetts Housing Investment Corporation, and Capital One Community Renewal Fund.
Fair Haven, an FQHC serving the largely Hispanic neighborhood of New Haven through seven locations, provides care to nearly 32,000 patients annually through 124,000 visits, as well as part-time health care services in 10 local schools. Of the Fair Haven patients who reported their income, 93% are at or below 200% of the Federal Poverty Level. The organization offers a full range of primary medical, dental and behavioral health care, and has a majority minority board of directors.
Capital Fund recently provided Shasta Community Health Center (SCHC) in Redding, CA, an $11 million New Markets Tax Credit (NMTC) allocation for the construction of a two-story, 31,400-square-foot Women, Babies, and Children Clinic to replace its existing maternity clinic. Our affiliate Capital Link led the financing and closing, which took place on March 28, 2023.
The new facility, located across the street from the health centers' main clinic, will replace SCHC’s existing maternity clinic and offer primary care pediatric, maternal, and vision care services. By integrating its maternal care services into its existing campus environment, the project will enable SCHC to allocate 7,400 square-feet of space to administrative services and allow for more efficient and expansive care opportunities.
The new clinic will have 24,000 square feet of clinical space, enabling the health center to serve approximately 13,000 patients annually. The project will also move the maternity care closer to the main site, compared to the former site which was 10 blocks from the medical campus. By relocating pediatrics and financial services departments to the new facility, the project will allow for more capacity in the main health center site for additional services and programs.
In addition to the $11 million NMTC allocation from Capital Fund, the project also received NMTC allocation from California Statewide Communities Development Corporation, as well as an NMTC allocation from Chase and a bank loan from Cooperative Bank, NA.
Since opening in 1988, SCHC has provided comprehensive, affordable primary health care, dental care, mental health, and substance abuse services to residents of all incomes in Shasta County and its surrounding communities. Through its seven locations throughout Shasta County, SCHC serves more than 34,000 patients annually, as well as provides care to over 3,200 homeless patients through its HOPE Mobile Health and Street Medicine outreach program.
On April 11, 2023, Vice President Kamala Harris and Deputy Secretary of the Treasury Wally Adeyemo announced that the U.S. Department of the Treasury’s Community Development Financial Institutions (CDFI) Fund is awarding more than $1.73 Billion in response to economic impacts caused by the COVID-19 pandemic. We are proud to announce that Capital Fund is among the 603 CDFIs receiving an award. The $2.7M will enable Capital Fund to continue to provide affordable financing and technical assistance to FQHCs. Learn more about the CDFI award here.
On Friday, Oct. 28, 2022, the U.S. Department of the Treasury’s Community Development Financial Institutions Fund announced that it awarded $5 billion in New Markets Tax Credit (NMTC) allocations to Community Development Entities to revitalize low-income communities and increase economic opportunity nationwide. We are proud to announce that Community Health Center Capital Fund received a $55 million NMTC allocation.
107 Community Development Entities were selected for awards from 199 applicants that requested an aggregate total of $14.7 billion in tax credit allocation. Approximately 78% of these NMTC investment proceeds are estimated to be used to finance and support loans to or investments in operating businesses in low-income communities. The award recipients are located in 35 different states and the District of Columbia. Over 20% of the investments will be made in rural communities. These award recipients are estimated to make nearly $1 billion in NMTC investments in non-metropolitan counties.
Capital Fund recently provided $2 million in financing to San Ysidro Health (SYH) in National City, CA, to support its $52.9 million health center project, which will include the first FQHC PACE (Program of All-Inclusive Care for the Elderly) facility in the city and ultimately reduce barriers to mobility and health care that reduce elderly patients’ quality of life.
Additional financing for this project included a source loan from National Cooperative Bank, a direct loan to the Qualified Active Low-Income Community Businesses (QALICB), and a furniture, fixtures and equipment loan. The remaining funds will be provided through New Markets Tax Credit equity as well as cash provided by SYH.
The new site is projected to serve over 14,000 patients and generate over 41,000 clinic visits in its first year. Eighty seniors are expected to enroll in the PACE Program in its first year with full enrollment totaling 650 seniors by 2030. Additionally, San Ysidro’s project is expected to create 115 permanent jobs at the new site. Overall, SYH anticipates they will serve over 61,000 additional patients and generate almost 500,000 additional clinic visits while creating over 2,100 new FTEs across all locations by the end of the compliance period.
The first floor of the new facility will be dedicated to the PACE services and will include 10 medical exam rooms. The second floor will be an FQHC, providing adult medicine, OB/GYN, pediatrics, dental, behavioral health, chiropractic, diagnostic laboratory, pharmacy medications, diagnostic radiology, social and support services, and eligibility assistance. SYH will also be providing desperately needed dental services as current capacity is far below demand. Additionally, the project will include three levels of below grade parking totaling 88,325 square feet and 267 parking spaces. Construction began in August 2022 and is expected to be completed in April 2024.
San Ysidro Health was founded in 1969 by seven mothers, now referred to as the Founding Mothers, in search of medical services for their children. Today, the FQHC has 50 clinic and program sites throughout San Diego County including 24 standalone clinics, five school-based clinics, two mobile clinics, and 10 program sites providing medical, dental, behavioral, and specialty services to almost 100,000 patients through over 230,000 visits. Of SYH patients who reported their income, 95% live at or below 200% of the Federal Poverty Level. Learn more about SYH here >


The State Government's Regional Development Assistance Program (RDAP) is helping local authorities to build communities across Western Australia.
It was established to address the prohibitive costs sometimes associated with developments in regional WA, which can make them unviable for private developers. In addition, the supply of privately developed land is often limited, or non-existent.
Through the RDAP, the State Government provides LandCorp with limited funding to deliver regional projects that are essential to supporting the revitalisation and growth of regional towns and centres. Potential projects are assessed against established criteria outlined in the 2015 submission guide.
Under the RDAP, local authorities can apply to LandCorp for assistance to progress potential land development projects in their local government areas.
Click here for more information and to download an application form


WALTHAM, Mass., April 14, 2022 — Danforth Advisors, LLC today announced the appointment of William Tanner, PhD, as Managing Director of the New York metropolitan region, including Connecticut. He will oversee the company’s growth and service to clients within the local life science ecosystem, including strategic advisory and flexible, scalable management of corporate and clinical business functions.
Dr. Tanner brings more than 25 years of experience to the role, combining deeps insights in life science corporate development, capital raising and investment banking. He most recently served as Co-founder and Chief Financial Officer of ImmunoGenesis, a clinical stage immuno-oncology company. He previously spent 20 years as a biotechnology and biopharmaceutical research analyst for leading healthcare investment banks including SG Cowen, Leerink Swann, Lazard Capital Markets, Guggenheim Securities and Vector Securities International. During that time he covered more than 100 companies across all market cap sizes and was involved in raising billions of dollars for public and private companies.
“We have had an active role in New York’s life science community for the past several years, and we’re excited to reach even more emerging companies under Bill’s leadership,” said Chris Connors, Chief Executive Officer of Danforth. “Particularly now, with an abundance of new companies competing for both funds and talent, we can fill gaps in the region with variable resources across multiple business functions and roles – from financing strategy to human resources infrastructure – all through the lens of life science sector experience.”
“I have known the Danforth team for years and have admired the unique role they play in helping life science companies run well – a feat in a very dynamic and challenging industry,” said Dr. Tanner. “Having served on both sides as a corporate officer and in investment banking, I understand the financial and operational hurdles that can impede companies’ progress, and I’m looking forward to tackling those challenges for clients with a highly experienced and growing team in and around New York.”
Dr. Tanner holds a PhD in physiology from Texas A&M University and completed post-doctoral training at the Washington University School of Medicine in the Department of Cell Biology and Physiology and in the Department of Pathology, Center for Immunology. He also holds an MBA from the Olin School of Business at Washington University.