If you can’t get by on the fees you collect for providing a service, start tacking on extra charges: $25 for the paperwork, $10 for the administrative overhead, $5 for copies of documents, another $25 for retrieval of said documents, etc. etc. etc.
Businesses and government do it all the time. Now the concept is being adopted by doctors as well. The practice doesn’t appear to be widespread, but according to a recent article in USA Today, it’s starting to look more and more attractive to physicians who can’t make ends meet on insurance reimbursement alone. From the article:
The extra payments include no-show fees of $30-$50 for missed appointments, widely varying charges for filling out health forms for school, work and athletic teams, and annual administrative fees of $30-$120 or more to simply be a patient in some practices, medical associations and doctors say.
"It’s not unlike the airlines," said William Jessee, president of the Medical Group Management Association, which generally advises against extra fees that may anger patients or run afoul of insurance contracts. "They’ve gone from all-inclusive to a la carte. That’s what you’re seeing with physicians."
Doctors who charge extra fees are in the minority, he said. Some have done it for years, but more are joining them because they say they need the fees to offset the rising costs of practicing medicine.
Is it fair or reasonable to charge extra? Or are services such as filling out forms and refilling prescriptions just part of the doctor’s cost of doing business?
An Atlanta mom has to fork over $10 every time the family pediatrician fills out a form, and she doesn’t like it. "It’s part of their job," she told USA Today.
Judging from the 800-some comments posted by readers in reaction to the story, there’s a lot of resentment over the concept. "Any doctor that tacks on fees will not be getting my business," one person wrote. "They are just greedy theives (sic). And on top of it they are whining greedy theives (sic)," fumed someone else.
Grousing aside, it’s valid for people to ask where the line should be drawn between the normal cost of doing business vs. uncompensated burden. A teacher who commented at USA Today wondered, "Should I be compensated extra for my student-teacher conferences? Or for having to fill out forms regarding a child’s poor behavior? What about the extra hassle of speaking on the phone with a parent who is worried about their child? Isn’t this all ‘administrative’ stuff?? Yes, but it comes with the territory."
From the physician’s point of view, though, it’s becoming increasingly difficult to stay solvent while managing the flood of unreimbursed paperwork. Dr. Toni Brayer lamented the situation in a guest post at Kevin, MD:
As a physician who has practiced for over 20 years, I can tell you that the demands of filling out forms for everything from work questions and school physicals to handicapped stickers and travel vouchers, dealing with insurance companies, reviewing tests ordered by other doctors, overseeing and coordinating patient care, talking with pharmacists, filling prescriptions and then redoing the work when a patient switches pharmacies, e-mailing and countless other tasks that are "free" make it near impossible to remain in private practice.
If health care was like other industries, it could simply raise its prices to cover the increased cost of doing business, or drop services that don’t pay for themselves. But health care doesn’t function like other businesses. For one thing, there’s limited room for negotiating reimbursement rates with third-party payers. In the case of Medicare, there’s no negotiation; providers either have to accept what Medicare is willing to pay them or opt out of Medicare altogether. For another, insurance contracts usually place restrictions on charging extra for services already deemed to be covered. In view of the fact that physicians only make money by seeing patients and/or doing procedures, administrative fees are one of the few viable options left for bringing in more revenue to subsidize their overhead costs.
I personally wouldn’t mind paying extra fees, as long as they were reasonable. (And I’m gonna add here that doctors aren’t alone in disliking all the forms they have to fill out on behalf of patients; most patients don’t like it either.) There are patients, though, who won’t be able to afford the extra fees – what then? And does it make sense to add more spending to a health care system that already consumes billions of dollars each year?
The irony in all of this is that it’s not doctors and patients who are the real problem. The real problem lies in how physicians are paid and how third-party payers set their reimbursement rates. If both these things could be changed, the burden for physician practices might be eased and administrative fees would no longer be necessary. As usual, though, doctors and patients are paying the price for the brokenness of the health care system, and until there’s a substantive fix, add-ons such as extra fees constitute little more than a Band-Aid.


New Vehicle Specials
$500 Dealer Choice Cash
The new 2022 Hyundai Tucsons have arrived at Towne Hyundai!
And now is the time to reserve yours and receive $500 Dealer Choice Cash available on all 2022 Hyundai Tucsons purchased from Towne Hyundai inventory until the end of the month.View Disclaimer
$500 Dealer Choice Cash available on all Hyundai 2022 Tucson purchased from dealer stock between 1/4/2022 and 1/31/2022. Must be financed through Hyundai Motor Finance (HMF). Tax, title and license extra. Customers who participate in a Special Lease or Low APR program through Hyundai Motor Finance (HMF) do not qualify for Dealer Choice Cash. See participating dealer for details. Dealer Choice Cash offer ends 1/31/2022. MSRP excludes freight charges, tax, title, and license fees. Freight charges and actual dealer prices may vary. Vehicles displayed may contain optional equipment at additional cost.


Preserving the assets and property you work so hard to earn can easily be done through Estate Planning. At the Law Office of James M. Sullivan, Inc., we know which documents will work best to accomplish your wishes. It is never too early or too late to create these important documents, nor does size of your estate matter. Everyone deserves to have their wishes known and respected. With proper planning, you can still direct control of your estate if you are incapacitated temporarily or permanently, and after your death.
James M. Sullivan, Inc.
When an estate goes to Probate, it is a time-consuming and costly process. By creating a simple Will or Trust, this problem often can be avoided completely.
Customized estate planning documents we help clients develop to protect their interests and those of their intended heirs include:
- Wills & Trusts – living, revocable
- Powers of Attorney
- Medical/Healthcare Directives
- Family Partnerships
- Business Succession Plans
Attorney James M. Sullivan
For over 45 years, Attorney James M. Sullivan has dedicated his law career to helping others with legal issues that affect their personal lives and business operations. He earned his Law Degree from Santa Clara University School of Law and was licensed to practice law in California in 1970. Most of his legal work is for clients who need help with tax matters, or estate planning and business issues. He gives each client personalized care and attention, as he creates unique strategies for their special needs.
California Estate Planning Attorney
With Estate Planning documents, you can protect your personal or business assets and property from excess taxation, challenges and future problems about inheritance issues. When you make your wishes known in these documents, it helps you to maintain control at times when you are incapacitated and after your death. If you do not have valid documents, the Probate Court will appoint someone to administer your estate matters. Your wishes will go unknown, and your heirs may lose out on assets or property you wanted them to inherit. Businesses also can benefit from estate planning that dictates your wishes and succession plans.
It is never too early to start Estate Planning. Learn more by contacting James M. Sullivan, Inc., in Los Gatos, CA. Call us now, at (408) 395-3837.


European fascist and neo-nazi association gets vast EU-subsidy
A European association of fascist and nazi politicians is receiving hundreds of thousands of euros in funding from the EU – in spite of a recent tightening of rules meant to prevent such aid going to anti-democratic groups.
In 2014, the European Parliament tightened up its rules governing funding for European-level political parties. The aim was to prevent economic support going to parties that contravene the EU's fundamental human rights principles. As a result of the new rules, the European political party Alliance of European National Movements (AENM) lost their entitlement to EU funding in 2014.
But in spite of the new rules, the European Parliament this January granted some €400,000 to the far-right European political party "Alliance for Peace and Freedom" (APF). The APF is an association of European nazis, fascists and Holocaust deniers.
For more information please contact:
Anna-Sofia Quensel, Researcher: +46 8 400 219 81.
Mikael Farnbo, Editor: +46 8 400 219 62.
Photo: The United Kingdom is represented in the executive board of the APF by Nick Griffin, ex-leader of British National Party. (Image: Expo).


Moving homes can be exciting – whether you’re upsizing, downsizing, or moving to a new city. However, it can also be stressful – as you’re met with a seemingly endless to-do list and a lot of legal paperwork.
With that in mind, here are five useful tips you should bear in mind when moving home!
Know your budget ahead of time.
House prices vary widely depending upon a range of actors such as location, size, amenities and more. However, it’s crucial that you know how much you are able to spend ahead of time, so that you only attend viewings that are within your budget. This will make it easier to find a house that meets your needs, without feeling pressured to spend more money than you can realistically pull together. In general, “most financial advisors agree that people should spend no more than 28 percent of their gross monthly income on housing expenses”, but each person is different.
Put together a schedule & plan.
There are many tasks you must accomplish moving homes – from applying for a mortgage to signing complicated contracts. As most of these endeavours are also time-sensitive, it’s crucial that you put together a schedule that will help you to stay on track. This way, you won’t miss any important deadlines that could delay the process considerably. Ideally, you should write down a list of everything you need to do, as when we write things down, you’re more likely to remember them than if you tried to store all of the important information in your head!
Hire a moving company.
Working alongside a moving company, such as Two Men And A Truck, is another great way to reduce some of the stress you may be experiencing as your move-in date gets closer. This is because you don’t need to take any time out of your day to consider the logistics of moving bulky furniture or valuables from one home to the next – as this work will be done for you. Not only does this save you a great deal of time and energy, but it’s a great way to ensure nothing gets broken, damaged or lost en-route!
Get your home ready to sell.
One of the biggest challenges associated with moving home is finding a buyer for your current property, but you can speed up this process by ensuring your home is market-ready. To do this, focus on making small changes that make the property more attractive to buyers, paying particular attention to what they are looking for. Remember, this endeavour does not have to break the bank as there are plenty of ways to update your home on a budget. For example, a fresh coat of paint can go a long way towards brightening up a space that would otherwise appear dull, tired or unappealing. As first impressions are crucial at property viewings, you may also want to look into ways to add curb appeal to your home, as your home’s exterior is the first thing a potential buyer will see when they arrive.


MILLER Commercial have recently been instructed to seek “expressions of interest” on behalf of Truro City FC.
The club was rescued from administration approximately five years ago by local businessmen, Peter Masters and Philip Perryman. During their tenure, and following considerable financial investment by them, the club now finds itself debt free and playing in the upper echelons of the Vanarama National League South.
The pair committed to a five-year investment plan, the result of which finds the club currently sitting in the play-off positions and having reached the first round proper of the FA Cup for the first time in their history earlier this season with a trip to Charlton Athletic.
With the club having agreed rights to play at the planned Stadium for Cornwall, Truro City FC is in great shape and the current owners are now looking for a new investor or new outright owner(s) to come on board, as Chairman, Peter Masters, outlines.
“It has been well documented that my Co Director Philip Perryman was going to step down at the end of the current season after completing a five-year stint with the club," said Mr. Masters. "The club is now starting the process of looking for a co-investor to come in alongside myself or, alternatively, for someone to come in and take control completely in order to take the club on to the next level.
"Obviously anyone considering a venture such as this will need to meet certain requirements of The Football Association and be of a sound financial footing given the considerable annual investment a club such as this requires.”
Potential investors looking to get involved in this unique opportunity should in the first instance contact the club’s agent Paul Collins of Miller Commercial on 01872-247029 or via email: email@example.com
Updated 19:56 - 13 Jun 2018 by Truro City Football Club


a) The purchase price contains the value-added tax (VAT).
b) The buyer bears the costs for shipping; they amount to:
· within Germany = 2,50 €; free of shipping costs starting at 20.00 €;
· within Europe = 5,00 €;
· remaining foreign country = 10,00 €
Right of revocation
a) If the buyer is consumer he has a right of revocation. The right of revocation does not exist for contracts, which are effected by business companies or self-employed within their professional activities.
b) The right of revocation applies to all Shop-articles.
c) The period of revocation amounts to two weeks. It begins with the date of receipt of the goods at recipient. To meet the deadline, timely mailing to following address is sufficient: Firmament Musik Verlag und Notenvertriebsgesellschaft mbH, Wittelsbacherstr. 18, 10707 Berlin, E-Mail: firstname.lastname@example.org
d) The contract can be cancelled without giving reasons in text form (e.g. letter, fax, E-Mail) or by returning the goods.
e) The buyer is obligated to send back already supplied goods if this was not settled yet in connection with the revocation letter. The buyer bears the costs of the reshipment, if the value of the returned goods does not exceed an amount of 40,00 €, unless those supplied goods does not correspond to the ordered.


Prime Meridian Resources is targeting confirmed and speculative mining opportunities in Mexico. By taking controlling ownership of these endeavours, we are able to both maximize development efficiency and ensure operations are orchestrated in a unified and cohesive manner providing streamlined productivity and growth every step of the way. This formula provides accelerated development, faster revenue and rapid scaling.
Prime Meridian Resources is traded on the TSX-V under the symbol PMR. In addition to being acquired via public exchange, PMR shares are currently available through private placement sale. We are offering 15,000,000 shares at a price of $0.10 per share, with additional 15,000,000 PP warrants available for $0.30. The private placement sale is being used to fund new projects that will help us generate revenue and further expand operations in the future.


Auto Insurance in and around Summit
BE READY FOR THE ROAD AHEAD
Wind storms, vandalism, and a rollover, oh my! Even the most attentive drivers know that sometimes trouble finds you on the road. No one knows what to expect around the next bend.
GET AUTO COVERAGE YOU CAN TRUST
That’s why you need State Farm auto insurance. Whatever you drive—whether it’s a motorcycle, classic car, or RV— coverage from State Farm gives you confidence for the day ahead. State Farm Agent Glisel Jimenez is ready to help you navigate life’s road with high-quality coverage for all your auto insurance needs. Such attentive service is what sets State Farm apart from the rest. And it won’t stop once your policy is signed. If trouble finds you on the road, State Farm is there to handle your claim promptly and reliably. Don’t let mishaps get in your way! Reach out to State Farm Agent Glisel Jimenez today and find out the advantages of State Farm auto insurance.


Each and every company participating in a trade show or exhibition starts planning and working on it months before the event. Among all the other tasks, the most important part of planning an exhibition booth is its budgeting. If your company is planning to exhibit at a trade show or an exhibition soon and you are struggling with its budgeting then this blog is for you.
We have mentioned everything you need to know about how to do budgeting for an exhibition with a detailed cost breakdown of it.
Every brand exhibits in trade shows and exhibitions with certain goals. These goals help you to create the outline for your budget planning. You can also meet any shortcomings way before your exhibition with this. Hence, your aim must be to plan a budget that entirely meets your exhibition goals.
Ask yourself the following questions as you plan the budget for the exhibition:
You should have an estimated budget on how much your company is willing to spend for the exhibition stand before approaching any exhibition stand design company. Generally, an exhibition booth budget is divided into four segments naming, exhibition stands cost, marketing cost, service cost, and stand booth staff cost. This will give you an estimate on where to allocate how much money.
Now, you need to calculate your estimated budget with the actual budget of the exhibition and do the distribution of resources. The budget is divided further into the following categories:
Exhibition Stand (40%): The biggest factor that affects the cost of your exhibition stand is its size. That is the reason custom exhibition stands come in many sizes such as 10×10 stands, 10×20 stands, customized exhibition stands, and many others that differ according to the space they occupy. However, your exhibition stand is the most important aspect of the exhibition so it will acquire 40% of the total budget.
Exhibition Stand Staff and their Transportation (20%): An exhibition stand is of no use without its staff. That’s why you have to keep 20% of your total budget for the stand staff’s paychecks and transportation. This percentage increases in case you are taking part in an international trade show which will increase the traveling expenses.
Trade Show Services (19%): Any good exhibition stand design company or I&D company will charge a good cost for their services as they provide you with a team of professionals who offer expert services from designing the stand booth to building the booth.
Shipping and Drayage (10%): The shipping and warehousing companies can charge a decent fee. Also, your drayage cost might be slightly more or equal to the shipping cost of your stand booth to the venue.
Marketing (5%): Your marketing cost will take at least 5% of your total budget as you might need to create a lot of content from pre-trade show posts to product demonstrations to giveaways.
Miscellaneous Cost (5%): Although we have mentioned the most important aspects of the exhibition stand. There could be various small, miscellaneous costs such as trade show Wi-Fi connections, maintenance charges, exhibit stand staff’s food, lead retrieval system charges, any unforeseen extra charges, and so on.


Get Started Now!
Working with a trusted financial partner is one of the most important decisions you can make for your financial future. Whatever you hope to achieve, it’s our mission to simplify the complexities of your financial life so you can focus on what matters most.
- Do you wonder which healthcare plan is best for you in retirement?
- Do you wonder if you are truly prepared for retirement?
- Do you have specific questions about your financial plan?
- Would you like a second opinion on your investments or retirement plan?
We’re Here To Help Virtually
We offer a no-cost introductory Q&A session to help answer your questions, learn more about your goals, and see how we may be able to help.
In our no-cost introductory phone call, we’ll discuss:
- Which financial questions do you have?
- What worries you about your financial future?
- What are your concerns or goals when it comes to investing?
During our discussion, we’ll answer any specific questions you may have, and take the time to learn about your values, goals, and objectives.
How To Prepare For Our Call
You don’t need to do anything to prepare for the meeting, and there’s no cost or commitment for the call. It may be helpful to collect your financial questions so we can review them together. Use the link below to schedule your call online now!
Get Started Now
Schedule your free 15-minute introductory phone call today to:
- Plan to maximize your financial future.
- Get answers to your specific questions.
- Get personalized recommendations for your unique situation.
You may also call 480-561-6161 or email firstname.lastname@example.org.
Joel Rieck is president and founder of Northland Financial, LLC. He specializes in helping and educating the public on planning their retirement and managing risks. He assists individuals with retirement income planning, Medicare, Social Security, life insurance, IRAs, and asset management. Joel is a certified National Social Security Advisor (NSSA®) as well as a Chartered Retirement Planning Counselor (CRPC®). He holds a Series 65 securities license as well as life, health, property, and casualty insurance licenses, and is a registered Investment Advisor Representative with the SEC. Joel holds a deep commitment to service, communication, and integrity. To learn more about Joel, connect with him on LinkedIn.


Hotel Food and Beverage Flash Spreadsheets
As well as full Hotel stock takes, costs can be controlled using food and beverage flash reports. These are used extensively in large hotels so that Chefs and Food & Beverage Managers can monitor costs and profit margins throughout a period.
We offer food and beverage flash spreadsheets which allow you to track kitchen and liquor purchases and give an estimated GP% in real time (generally a month or financial period). This information is vital to all Head Chefs, owners or managers as it allows for the food and liquor GP% to be monitored through a month.
Adjustments to purchasing, waste, portion size etc can be made to correct any issues immediately. If such a system is not used, the GP% is only likely to be known a couple of weeks later when financial figures are produced. This is too late.
Please be aware that some basic Excel knowledge will be required to complete your own stock takes and food flashes.


Medicaid Expansion now makes SoonerCare available to adults ages 19-64 whose income is 138% of the federal poverty level or lower. This is estimated to be an annual income of $17,796 for an individual or $36,588 for a family of four. The application process is now open.
There are no premiums for members in the newly expanded SoonerCare population. However, non-pregnant adults will be charged co-payments up to the 5% out-of-pocket cost-sharing limit, unless exempted from cost-sharing requirements.
Additional information can be found in the linked flyer(s):
For assistance navigating the application process, please visit https://oklahoma.gov/ohca/individuals/mysoonercare.html, or call 1-800-987-7767.


This blog was originally written during the hot market of 2016 when Saira attempted to purchase a home for herself and competed against eight other buyers who wanted the same home. Here are her tips for being prepared and how to keep your cool in a hot market!
1. Know what you want!
One of the tools our team uses with clients is a needs, wants, wishes, and deal breaker list. When you find a great property, always cross reference the list. Don’t get swept away by the pressure of multiple offers, make sure the property fits your requirements.
2. Move quickly
In a brisk market, you need to act quickly. We recommend seeing listings in the first day or two once they hit the market. Most sellers are setting a day and time when offers will be presented. The quicker you can get in to see the home, the more flexibility you’ll have to satisfy conditions ahead of time or decide if you want to move forward with an offer. There is also a risk of a bully offer coming in (where someone will try an offer before the set offer presentation day and time). If you’ve already seen the home, you may have an opportunity to compete against the bully offer if the seller decides to entertain it.
3. Consider unconditional
We only recommend not including conditions like financing or inspection if you have satisfied these conditions ahead of time. This could mean submitting a hypothetical deal through your mortgage professional to get a financing approval. You may also pay for inspections before you know you have the property. This can be risky, but it can give you a head start on other buyers. A prudent REALTOR® and mortgage broker will advise you of all the risks you’re taking with each decision you make.
4. Consider the long term
We recommend our clients look at real estate as a long term investment. Are you going to be able to grow in this home? Are there options to finish a basement if you need more space? Can you suite the downstairs and keep it as an investment? Think of your long range plans and then consider if it will make a big difference to your life if you have to up the price to get your dream home.
5. Know Your Numbers
You should know exactly how much cash you need for a down payment, property transfer tax and closing costs at various price points – do you have enough? You should also calculate your ongoing monthly costs: mortgage, property taxes, estimated heating/utilities, strata fees, insurance, etc! We love the Canadian Mortgage App for all these calculations. You’re able to plug numbers in, including rent if there is a suite, get a really good sense of what your ongoing monthly costs are, and the cash you need to proceed with the purchase.
When you’re competing, it’s best to focus on your monthly cost (which you have to live with during the term of the mortgage) and less on purchase price. Instead of asking, “Should I spend another $5,000?” ask yourself “Can I afford another $20/month?” This will help alleviate some of your stress when deciding on a price to offer.
6. Keep your cool
Understand that an offer is only a means to tie up the property until you satisfy your conditions. With multiple offers, you may only get one shot to put your best offer forward. If after you submit your offer the seller wants to further negotiate with you, I would say to trust your gut. Ask yourself all these questions: Am I going to be excited to get the home for this price? Or, will I resent the home because I felt like I over paid? Is this a long term investment? Can I afford the monthly costs? Will I have enough cash on closing? Is this what I want? If I lose this home, is it the end of the world? (I assure you it’s not).
Competing to purchase a home is a lot like falling in and out of love. If you don’t get your dream home this round, don’t worry! When you find “the one” you’ll know why all the other ones didn’t work out. =)
We have helped hundreds of clients buy and sell in very competitive markets. If you would like to meet with one of our team members for a buyer orientation, please contact us to book an appointment. We will discuss what to expect when you buy, strategies for being successful, and costs to be aware of no matter what you are looking for.


*20% deposit required for all sessions.
*We will keep your deposit if you cancel your long-term session less than 12 days in
advance or your short-term session less than 48 hours in advance.
*A standard Studio Lockout is 10 hours, unless agreed upon otherwise.
*Billing starts at the time the session is booked – Overtime at standard hourly rate.
* We assume no risk and make no guarantees for the safety of client’s equipment or materials.
*We are not responsible for data left on premises, either the dissemination of said data or loss thereof.
*Any and all damage to the building/equipment during use of the facility by client and/or their visitors
is the sole legal and financial responsibility of the client.


For the Suppliers
During the execution of individual projects JUT-AMP Ltd. works closely with its chosen suppliers and jointly guarantees to all public and private investors that their projects will be executed at a high level, meeting their standards and completed within the agreed time scale.
Therefore, we perceive our suppliers as partners and do not demand from them obligations beyond the contractual relationship existing between the customer and our company.
However, we demand compliance with standards that we ourselves guarantee to our customers:
- compliance with the Health and Safety Regulation
- adherence to agreed contractual terms, quality and prices of goods
RECEIVING AND PROCESSING OF INVOICES IN JUT-AMP Ltd.
1. All invoices issued must be delivered to the central registry of the company in one of the following ways::
Hard copy to the company address:
2. The invoice due date is normally one calendar month from the date of delivery of the invoice to the delivery address referred to in point 1.
3. The payment date is the date on which the payment order is handed over to the bank, unless otherwise agreed by contract.
4. The invoice must be issued in accordance with the current legislation and must contain at least the following information:
- name of the building site
- a description of the work carried out / service provided
If it does not contain the above-mentioned information, or if they are incorrectly stated, the Customer is entitled to request its correction within the due date. After the corrected or newly issued invoice is delivered, the new due date begins. You can view all the essentials in details in the “Download” section.
5. The customer’s guarantee as the recipient of the taxable supply for the supplier’s unpaid VAT on this supply is governed by the current legislation of the Slovak Republic.


Credit : Adem Altan
Located in Turkey in the village of Mudurnu nestled in the mountains of the Bolu region, “Burj al-Babas” has the particularity, as mentioned in our introduction, of being composed in an unusual way of castles.
This ambitious construction project was launched in 2014 by Sarot, which at the same time was also on other construction sites in this region located a little over 200 km from Ankara.
With the design of 731 castles whose architecture can be reminiscent of Chambord Castle in France, as well as the construction of a shopping centre, the “Burj al-Babas” project seemed at the time to have as its guiding principle the ambition to attract people, even foreign investors. According to some sources, the vast majority of these buyers are from the Gulf country.
In fact, the Turkish government of Erdogan, after a period of growth, had set itself the objective, particularly following a decline in the Turkish lira and diplomatic tensions with the United States, of making the construction sector “the nerve of war” of its policy. This is how colossal projects such as “Burj al-Babas” were born.
However the Mudurnu site will very quickly be completely abandoned like many others in the region. Indeed and despite the work provided by the Sarot company, it is unable to find buyers for their castles. Worse still, it also has to deal with abandoned sales of 351 homes priced between $400,000 and $500,000. The main reason would come from customers who, after acquiring their new place of residence, very quickly found themselves unable to ensure payment for it. Another possibility mentioned was the fall in oil prices, which could very well have hampered the finances of investors in the Gulf country.
Faced with this crisis situation, Sarot had no choice but to ask the government to be placed under bankruptcy. It was very quickly joined by other construction companies with the same problems as “Burj al-Babas”.
This is how this fairytale village was left and still is today abandoned and looks more like a horror movie setting to some people’s taste.Credit featured image : Adem Altan


ON THIS PAGE
What happened to the credits I had before June 8, 2021?
As of June 8, your remaining credits have been automatically converted to a monetary amount of equivalent value. You can check your current balance here.
I had a recurring payment option. How was my new recurring payment amount determined?
To make sure there are no unexpected expenses, we have moved you to a recurring prepaid package that is less than or equivalent to what you were paying before. Your recurring payment settings stayed as they were, but the frequency of payment might have changed, depending on what new prepaid package applies to your situation. You can check and change your current payment settings here.


Living in Russia
Living in Russia is quite affordable and spending from 200 US$ to 400 US$ a month is enough for a comfortable life for an individual student. St. Petersburg and Moscow are well-known for being the most expensive cities to live in.
Finding student accommodation in Russia, however, requires keeping a few key particularities in mind. It is crucially important to find the best variant within your budget, because the wise choice of the place of stay has a direct impact on your academic achievements. The most popular accommodation options for international students are:
University Dormitory – is considered to be the most affordable option. University dormitories range from 30 US$ to 780 US$ per month and are often cheaper than private rentals with prices set by your institution. University dormitories always come with a shared kitchen and bathroom. The dorms are furnished, usually located on campus, and often near cafes and sports facilities. With many international students opting for dormitory accommodation, the option may give you more possibilities to socialise with other students.
Privately Rented Apartment – is more expensive, but there is a good likelihood that you will find the best location and the level of comfort that suits you. Many students recommend staying in a dorm for the first few months before moving into a private accommodation. RECAS representatives will help you with finding private accommodation, going through your university or a realtor is the best way to find secure and fast lodging!
Homestay – is a common accommodation option for international students who want to live with host families. It may cost slightly more than university dormitories. Homestays provide a great opportunity for you to be completely immersed in both the Russian language and culture.
Accommodation in cheap student hostels with private facilities (toilet and shower in the hallway) costs from 20 US$ to 30 US$ per night.
Eat, drink in the cafe: on purchases related to food, you will spend from 40US$ to 80US$ per week. The cafe serves a good three-course dinner for 20US$. If you dine in the cafe on weekdays, three meals cost about 15 US$.
Evening entertainment: A movie ticket costs 10 US$, if the film comes in English, but you can watch movies in Russian for 5 US$. Tickets to a theater, opera or ballet are 30 US$, but for the good places you have to pay 70 US$ and above. The entrance to museums and galleries is from 1 to 10 US$, depending on possible discounts. For the entrance to the clubs you need to pay from 5 US$ to 10 US$ as a club entrance fee.
Public transport: Metro tickets cost from 24 US$ to 36 US$ per month. Tickets for buses, trams and trolley buses cost between 0.5 US$ to 0.9 US$ per trip, regardless of the length of the route.
Excursions: From Moscow you can ride to the nearest city of the Golden Ring for one day. This trip will cost you 15 US$ or 20 US$. A train ticket, if you are going to travel within Russia, is inexpensive ( tickets from Moscow to St. Petersburg cost about 15 US$ to 20 US$).
Clothing: it is worth buying winter clothes (hats, scarves, coats, shoes) in Russia. It is cheaper than in the Western countries, and is more suitable for the Russian climate.
Here’s some overall averages for the cost of living in Russia in terms of some common student expenses: Meal 8 US$, Coffee 2 US$, Cinema Ticket 5 US$, Monthly rent 247 – 356 US$, Monthly Transport 27 US$.


We are here to help you in any way we can, and there is a wealth of administrative support available within our City, our state, and throughout Switzerland. To understand the organisations and opportunities at your disposal, click on a box below for additional information.
Regional Economic Development Agencies (CODEV)
Regional Economic Development Agencies are local host platforms that help companies set up, settle, and thrive in the region. The agencies are made up of private members and public agencies that provide most of the financing.
These local organisations provide guidance, information services, advice and support in the areas of economic promotion, enterprise creation, and business development.
They support entrepreneurs in their dealings with cantonal and municipal government agencies, orienting them toward the organisations best suited to respond to their specific business needs. They create regional development strategies and manage a database of commercial land and premises in their territory.


You can donate by internet transfer, cheque or using one of the collecting boxes scattered round the area. Or donate at no cost to you, through Amazon!
BY INTERNET TRANSFER
Our NEW bank details are:
Account name: FRIENDS OF CHIDDINGFOLD SURGERY
Sort code: 30-98-97
Account number: 71746863
If you pay by direct transfer, please contact us if you would like an acknowledgement.
Send cheques payable to the Friends of Chiddingfold Surgery to
Friends of Chiddingfold Surgery
Surrey GU8 4QP
GIFT AID ON BANK DONATIONS
If you are a tax payer, please consider using Gift Aid as this means we can reclaim from HMRC 25p for every £1 you donate. Rest assured that any personal information you provide to us will be carefully safeguarded and used only to process the Gift Aid claim in accordance with HMRC rules.
Gift Aid declaration
BY CASH OR CARD
There are collecting boxes in:
- Chiddingfold Surgery
- Roberts Stores in Chiddingfold: who will take credit card donations. Ask in the Stores.
- The Shop in Dunsfold: if you don’t have any change for our collection box, the Shop will do a cash-back – just say that you want cash to donate to the Friends!
- Broken Spur Garage on the A283 (next to The Mulberry)
The Friends are registered with Amazon Smile, so you can support us at no cost to yourself if you’re making a purchase on Amazon.
- A small window will pop up asking if you want Amazon to make a donation to a charity on your behalf. You can then nominate the Friends and a small donation will be made by Amazon.
- Or you can go directly to https://smile.amazon.co.uk/ch/1080617-0 to register.
Contact: email firstname.lastname@example.org


Whether you are a new start up trucking company or you have been in business for 50 years, most logistics companies use Freight Bill Factoring to help with the cash flow needs to cover their day-to-day expenses such as fuel, toll, insurance, maintenance, payroll and the like. If you are considering this for your trucking company you have likely spoken with others about the benefits and drawbacks to using this type of service.
While speaking with others about the idea is good I would like to add some objective points for you to also consider before signing up with a company for your Freight Bill Factoring Service.
1. Be sure the funder is available to you. The last thing you want is to have a company that you cannot reach when you needed to speak with them. It is your money and your income that is being leveraged or in other words, the “life blood of your company” is at stake – be certain they are available to you when you need them.
2. Will the funder be funding you on a schedule that is acceptable to you? Some funders will fund you same or next day on the invoice that has been submitted for Freight Bill Factoring. Some will wait a week to do it or require a minimum value to process them in batches. Again, this is the “life blood of your company”, will they be doing you a service, or disservice?
3. Does the funder have a drop-box on your routes that you can submit your invoices or can you email or fax them in? Some companies require original invoices and if they do not have drop-boxes on your routes, it can delay the submission of your invoices until you can get somewhere to send them in. If they do not need originals then you can fax or email them in on the road which may be a better solution for you.
4. Does the funder have a good grasp on the trucking business? There are many finance companies that can advance on invoices but if they do not have a dedicated team specifically for trucking, how likely are they to understand the nuances of your business?
5. Does the funder have the capacity to fund your logistics company without interruptions? You need to be sure the company you deal with has the financial capacity so that when your invoices are sent into them, they will be able to do the needful and fund you as they say they will. The last thing you will want is for them to have to wait to receive payments from other invoices in order to send out your advances on your invoices
6. Can the factoring company service all or at least most of your customers? Some funders will not fund international invoices and if you ship internationally, this can be a real problem. They may want to carve out those international customers you have and not advance on them. Can you afford this or not? This is a question you need answer.
Freight Bill Factoring can certainly help your business and at the same time, partnering with a finance company that cannot meet your needs and expectations can severely hurt you. Ask questions and verify the answers before you sign up and do not be afraid to ask around.


Recently, an email sent to student organization presidents claimed the following:
In order to be eligible for 2024 Budget Appropriations, every group will be required to track attendance at a minimum of 5 events (chapter, general assembly, service events, etc.) during the 2023-2024 academic year to be eligible to receive funding from the Senate.Email sent to Campus Organization Presidents
Additionally, a similar claim was made during budget appropriations earlier this year, under the heading “Senate Bylaws”:
These claims are VERY MISLEADING.
This provision is not in Senate’s regular bylaws or the Finance bylaws. If you would like to read them, the regular bylaws are here and the finance bylaws are here. In the event these documents are edited, updated, or restricted, Northern Review-hosted copies of the bylaws as of October 13, 2023 are here and here.
Student Senate’s budget appropriations are made at the discretion of the Treasurer and the Finance Committee, and are subject to approval by the elected members. By the time the 2024-2025 academic year budget appropriations are dispersed, a new Student Body President and Treasurer will be in power, and they may or may not agree with this policy. A new contingent of college representatives will have been elected, and depending on when budget appropriations are finalized, new housing representatives may or may not have been elected.
While it is technically possible that the 2024-2025 Student Senate budget appropriations only give money to student organizations which have submitted attendance records for five Northern Network–approved events, this is NOT a provision of Student Senate’s bylaws, and leadership at the time may not endorse the policy.


Support Quad Cities Christian School
QCCS is a non-profit school. The cost of tuition does not cover all the operating costs of the school. We rely on the generosity of the Christian community to meet the remainder of our needs. We have many churches represented by our parents, students, and faculty at Quad Cities Christian School.
We often experience a need for a financial increase to help meet our budget. We’re reaching out to the faithful supporters of our school to encourage you to consider a tax-deductible gift to QCCS.
Together we can carry on with not only meeting our students’ educational needs but also with meeting their spiritual needs and helping them develop their walk with the Lord.


NYC Books Through Bars would not exist without the help of people who donate money for postage, which is what the majority of our funds are spent, as we are a group run entirely by volunteers (with a donated space and donated books). We are a 501(c)(3), which means that all donations to Books Through Bars can be tax deductible. You can donate using PayPal or via check at the address below.
We have been told time and time again that we are people’s only source of reading materials, as libraries in prisons are severely underfunded or even nonexistent, and because many people in prison are indigent and do not have funds to purchase materials themselves. We have also been told that whatever we send gets shared between many people, as books in prison are greatly valued.
We send our packages via media-mail. It currently costs $3.92 to mail a 1-lb. package, $4.67 to mail a 2-lb. package, and $5.42 to mail a 3-lb. package.
With these prices, on average it costs about:
- $20 to send packages to around 4 people
- $40 to send packages to around 8 people
- $60 to send packages to around 13 people
- $80 to send packages to around 17 people
- $100 to send packages to around 22 people
TO DONATE VIA POSTAL MAIL
Make checks payable to NYC Books Through Bars, and send to:
NYC Books Through Bars
c/o Freebird Books
123 Columbia St.
Brooklyn, NY 11231
TO DONATE IN SOMEONE’S NAME
If you would like to donate in someone’s name, we will mail a personalized card to the recipient. After making your donation via check or PayPal, send us an email at firstname.lastname@example.org with the following information:
- method of donation (online or postal mail)
- the recipient’s name and full address
- if there is a special note you would like included


Consumer Price Index (CPI): Inflation in the U.S. in May hit a high of up to 8.6% in 40 years since 1981. The cost of living rose 1% in May due to higher rents, gas and food prices, pushing US inflation to a 40-year high of 8.6% and making it harder for Americans to make ends meet.
This morning, the Bureau of Labor Statistics (BLS) released the May Consumer Price Index. The index for all commodities rose 8.6% for the previous year, the biggest 12-month increase since the December 1981 period.
Changes due to Inflation
The energy index rose by 3.9%, according to new CPI data. The energy Index grew by 34.6% over the previous year. Gasoline, one of the commodities of daily need, is rising by 4.1%. The food index rose 1.2% in May and the Food at Home indexes rose 1.4%. The food index is up 10.1% over last year.
Huge fall in share prices
US shares opened with a fall today due to CPI. The S&P 500 fell 1.5% shortly after the opening bell. The Dow Jones Industrial Average dropped 483 points or 1.5%, and the Nasdaq Composite dropped 1.8%.
The fall in airline stocks after inflation data reflects rising fares. Inflation data showed airline stocks fell after a hike in fares in May.
Friday’s consumer-price inflation data showed the airline fares index rose 12.6 per cent in May, up from 18.6% in the previous month. The shares of Southwest were down 3.8%, Alaska Air 3.2% and American Airlines 2.4%. The S&P 500 was up about 2.7%.
Dollar Jumps After New Inflation (CPI) Data
The WSJ Dollar Index, which measures the dollar against a hamper of 16 currencies, rose 0.7% to nearly 96.73. The US dollar index, another index investors track, rose nearly 1.0%.
Gold Rises After The Release Of Inflation Data
Gold prices rose this morning as May inflation data indicated prices hit a new four-decade high. The most actively traded gold futures, which were down 1% before the Labor Department’s morning declaration, recently rose 0.4% to $1,859.50 per troy ounce.
The yield on the 10-year Treasury recently traded at 3.137%, compared to 3.041% on Thursday. Higher returns on government bonds can make gold, which doesn’t pay investors a fixed income just for owning the yellow metal, less attractive to hold.
All the indices are rising due to new data of Consumer Price Index US May 2022.
|Used Vehicle Prices||16.1%|
|New Vehicle Prices||1%|
|Interest Rate||2.75%-3% (expected)|


Step-by-Step Process to Obtain MISA License in Saudi Arabia
We understand the complexity of business expansion and the role of local laws and regulations. Our blog post will help you navigate the MISA investor journey and how to get through the business setup process in Saudi Arabia.
Getting MISA License
As a foreigner, you must get MISA License to start your business in Saudi Arabia. Through a MISA Investor License, you get full ownership of your business and can operate freely across Saudi Arabia. Your preference for economic activity decides which type of license you need for your business. We help you get your investor license conveniently.
Difference between SAGIA and MISA
|The Saudi Arabian General Investment Authority (SAGIA) is the former name of the Ministry of Investment Saudi Arabia (MISA). The Kingdom established SAGIA in 2000, which was responsible for attracting investment and licensing for local and global investors.||SAGIA was fully transformed into a ministry in 2020 and renamed as MISA (Ministry of Investment Saudi Arabia), which is solely responsible for issuing investment licenses to foreign investors and overseeing foreign investment into the Kingdom.|
Types of Legal Entities in Saudi Arabia
- Limited Liability Co (LLC)
- Limited Liability One-Person Company
- Joint Stock Company
- Foreign Company Branch
- Solidarity Professional Company
Difference between Branch and Subsidiary
|A branch is established at a different location to increase business coverage. It is an extension of the parent organization to conduct the same business operations as the parent company. The branch has no separate legal standing, and it reports to the head office of the company.||While on the other hand, a subsidiary is considered a separate legal entity from its holding company. The subsidiary is free to conduct its business operations, and it is not mandatory to undertake the same operations as its holding company.|
Step 1: Company Structure
It is always advised to obtain expert legal advice when deciding on your legal entity in Saudi Arabia. The right selection of company structure and careful planning can help your business grow fast.
Step 2: Documentation
Before applying for the MISA license, there are prerequisites that you must fulfil. Our team guides you regarding the required documents and helps you with the documentation process.
Step 3: Name Reservation
If you choose to set up a branch in Saudi Arabia, you will get a license in Saudi Arabia with the same name as the parent company. Subsidiaries get to choose the same trade name with an append word. Our team guide you through carefully selecting names that mirror your brand.
Step 4: Drafting the Articles of Association
We help you draft the Articles of Association for your MISA-licensed company. Our operations team guides you through the detailed decision-making and ensures the local documentation align with your growth plans.
Difference between Memorandum of Association and Articles of Association
|Memorandum of Association||Articles of Association|
|A Memorandum of Association (MoA) is a legal statement signed by all shareholders agreeing to establish the company.||Articles of Association (AoA) is a document containing operational rules about running the company.|
Step 5: Commercial Registration (CR) Issuance
Getting your Commercial Registration (CR) is the most crucial part of being officially registered in Saudi Arabia and with MISA. After getting your MISA license and getting your Articles of Association, we proceed to issue your Commercial Registration.
Al Taasis is Your Trusted Gateway to Saudi Business Setup!
After going through the detailed process, you will have a clear roadmap. We simplify your entire business setup process with our comprehensive services. We will be delighted to assist you further with your business incorporation process.
Initiate your business journey with Al Taasis to mitigate risk, stay compliant and accelerate your success.


My Doris Digital Gift Card
-Available in denominations of £10 | £25 | £50 | £100.
- Cannot be replaced for cash or credit on account.
- A refunded gift card will go back to the gift card purchaser on the method they bought the gift card.
- Expires after 12 months from date of purchase.
- Can be fully or partially redeemed.
- Discount codes cannot be applied to gift cards.
- Voucher can be redeemed by entering the code on the My Doris checkout page


Moving to a new country is an exciting adventure, but it can also be overwhelming. As a new migrant in Australia, it’s essential to understand the tax system and how to manage your finances effectively. In this guide, we’ll cover the basics of taxation and finances in Australia to help you settle in smoothly and make informed decisions about your financial future.
Understanding the Australian Taxation System
One of the first things you’ll need to do as a new migrant is familiarize yourself with the Australian taxation system. Australia uses a progressive tax system, which means that the more you earn, the higher your tax rate. Here’s an overview of the key elements:
Tax File Number (TFN)
A Tax File Number (TFN) is a unique 9-digit number issued by the Australian Taxation Office (ATO) to individuals and businesses. It’s used to track your tax obligations and is required when starting a job, opening a bank account, or applying for government benefits. You can apply for a TFN online once you arrive in Australia.
As a resident for tax purposes, you’re required to pay income tax on your worldwide income. This includes salary, rental income, investment income, and capital gains. The Australian financial year runs from July 1st to June 30th, and you must lodge an annual tax return during this period. Income tax rates vary depending on your income level, with higher earners paying a higher percentage of tax.
Goods and Services Tax (GST)
Australia has a Goods and Services Tax (GST) of 10% on most goods, services, and other items sold or consumed in the country. Some exceptions include basic food items, education, and healthcare services. As a consumer, you’ll usually find that the prices displayed include GST.
Opening a Bank Account
Having a local bank account is essential for managing your finances in Australia. You can choose from several major banks, such as Commonwealth Bank, Westpac, ANZ, and National Australia Bank (NAB), as well as smaller banks and credit unions. To open an account, you’ll need to provide identification documents, such as your passport and visa, and your TFN if you have one.
Types of Bank Accounts
There are various types of bank accounts available, including:
- Transaction accounts: Also known as everyday or checking accounts, these are used for day-to-day transactions like receiving your salary, paying bills, and making purchases with a debit card.
- Savings accounts: These accounts offer higher interest rates than transaction accounts, making them suitable for saving money and building an emergency fund.
Managing Your Superannuation
Superannuation, or “super,” is a long-term savings plan designed to provide income for your retirement. In Australia, employers are legally required to make contributions to your superannuation fund, typically at a rate of 10% of your salary. As a new migrant, it’s essential to understand how super works and choose a suitable fund.
There are various types of super funds, including industry funds, retail funds, and self-managed super funds. Each fund has its own investment options, fees, and performance history.
To choose the right super fund, consider factors such as fees, investment options, performance, and insurance coverage. Once you’ve selected a fund, provide your employer with your chosen fund’s details so they can make contributions on your behalf. Keep in mind that you can consolidate your super into a single fund if you change jobs or have multiple funds to avoid paying unnecessary fees.
Building a Budget and Saving for the Future
Creating a budget is a crucial step in managing your finances effectively. A budget helps you track your income and expenses, set financial goals, and identify areas where you can save money. Here are some tips for building a budget:
- Identify your sources of income, including salary, investment income, and government benefits.
- List your essential expenses, such as housing, utilities, groceries, and transportation.
- Include discretionary expenses, such as entertainment, dining out, and shopping.
- Set aside a portion of your income for savings, investments, and an emergency fund.
- Regularly review your budget and adjust as necessary to stay on track.
By following a budget and saving money, you’ll be better prepared for your future in Australia, whether that involves buying a home, investing, or planning for retirement.
Understanding the Australian taxation system and managing your finances effectively is crucial for a successful transition as a new migrant. By familiarizing yourself with the tax system, opening a bank account, managing your superannuation, and creating a budget, you’ll be well on your way to building a secure financial foundation in your new home. If you need assistance with your migration journey, book a consultation with one of our expert Migration Consultants to ensure a smooth and successful transition.


I am a family law attorney, also known as a divorce lawyer, in the Rochester Hills area of Oakland County Michigan. I recently had a discussion with Mr. Robert Treat of QDRO Express regarding an interesting and novel way of using a Qualified Domestic Relations Order (QDRO) that he proposed.
Typically a QDRO is used to divide a qualified retirement plan when parties get divorced. Retirement plans, even though named or earned through the employment of one spouse, are considered marital property to be divided. Typically they are divided equally by the parties. In order to divide the plans, the court will enter a QDRO which then goes to the plan administrator who will then essentially create two separate accounts, one for the employee spouse, typically called the participant, and one for the other spouse, typically called the alternate payee.
May a court or a family law attorney use a QDRO to create a lien on the participant or alternate payee spouse's share of the retirement to enforce a financial obligation owed as a result of the divorce judgment?
The standard answer would be no, one cannot create a lien against a person's qualified retirement plan or benefits. However, that is not really true. In the case of a divorce the QDRO can be used in this manner to enforce such an obligation.
The best way to discuss this is probably to use an example. Say that a spouse is ordered to assume a credit card debt of $20,000 that is jointly titled in the name of both parties, call that spouse the “paying” spouse. The paying spouse is ordered to pay that within three (3) years of the divorce. However, given the lack of trust on the part of the other spouse (non-paying spouse), he or she is rather concerned that the other spouse will not pay the bill or file for bankruptcy. I know, hard to imagine that there is a lack of trust between parties going through a divorce.
If the paying spouse does not pay or files for bankruptcy, then the credit card company has the right to seek payment from the non-paying spouse and will probably sue the non-paying spouse for the balance of the debt, plus interest and attorney fees. The credit card company is not bound by the judgment of divorce and in the case of a bankruptcy the non-paying spouse may have no recourse against the paying spouse.
One innovative way to protect the non-paying spouse is to use a QDRO to create a lien against the paying spouse's share of the retirement accounts after it has been divided by the original QDRO. That is to say, first use a QDRO to split the retirement account into two separate accounts and then use a second QDRO (authorized by the judgment of divorce) to create a lien against the paying spouse's separate share of the original retirement account.
This can be done because the QDRO is issued incident to a divorce judgment or separation agreement and therefore it is an exception to the rule that one may not create a lien against such an account. The family law attorney, divorce lawyer, would have to indicate in the judgment that the non-paying spouse should have a lien against the paying spouse's share of the retirement accounts that may be accomplished through the use of a QDRO.
The language of the judgment and the QDRO should be specific. In this example, one would indicate that the non-paying spouse has a lien and security interest in the paying spouse's share of the retirement account to secure payment as well as any interest and penalties within three (3) years from the date of the judgment of divorce (use the actual date). This is the language that is the mechanism by which the lien is created.
If the paying spouse has not paid that amount in full within three (3) years, the non-paying spouse may request that the family law court issue an order that the paying spouse has defaulted and said order shall include the amount that is in default. It should indicate what the non-paying spouse must provide the court to obtain this order and that the court shall issue the order immediately upon this proof being provided to the court. The non-paying spouse then sends this order to the plan administrator and the plan transfers the proper amount to the non-paying spouse out of the paying spouse's share of the retirement benefits.
Finally, the judgment should contain a release clause for when the lien created by the QDRO will be released so that the paying spouse may start withdrawing funds from his or her share of the retirement accounts.
This approach works on many different levels. If the paying spouse files for bankruptcy, then most likely the lien will not be discharged in bankruptcy. The paying spouse cannot take a loan against the account in the meantime nor withdraw funds from the account. The non-paying spouse does not have to seek to collect from whatever remaining assets the paying spouse has left to indemnify the non-paying spouse for this debt. Finally, it streamlines the process for the non-paying spouse to obtain relief in these all too common situations. This can also be used to secure spousal support (alimony) payments, child support obligations or any other type of financial obligation that might be created in a judgment of divorce.


There are some simple steps you can take to lower your home insurance costs.
You can’t buy a home without purchasing insurance first, but that doesn’t mean you’re stuck with the insurance provider you’re currently with. Make sure you compare different companies and find the best deal. Check consumer guides, ask friends and neighbors and search online insurance quote services, which will give you an idea of price ranges and tell you which companies have the lowest prices.
Bundle your insurance
Many insurance companies will offer discounts if you package multiple policies, such as your car, boat and home insurance. On average, one can save 5 to 15 percent.
Installing carbon monoxide detectors, smoke detectors and alarm systems can reduce your monthly bill, but you need to let your insurance agent know about any changes you make. Also, ask your insurance agent what steps you can take to make your home more resistant to natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials.
Increase your deductible
By raising your deductible, your monthly costs can decrease as much as 5 to 10 percent.
It’s not necessary to insure a house for the amount it was purchased for. Even if your house were to completely burn down, you’d still have the land, so consider that when deciding the total amount you need to insure. A good insurance agent will be able to help you calculate the proper replacement cost of the house.
It’s also wise to talk with your real estate agent and see if they have any thoughts on how to lower the cost.


Paradise Agency, LLC provides current residents several options for easy and timely rent payments.
Visit our location during business hours:
Weekdays: 8 am – 5 pm
Closed Saturday and Sunday
Payment by mail:
Paradise Agency, LLC
P.O. Box 175
Colchester, Connecticut 06415
Payment by credit card:
Call us at (860) 537-7044
We accept all major credit cards and debit cards
Be sure to have your credit card or debit card handy when you make the call. We will be happy to mail you your payment receipt if you request it at the time of your call.


Rittenhouse Law represents developers, investors, family offices and privately held companies in a wide variety of commercial real estate transactions. Our attorneys have extensive experience representing clients in the acquisition, disposition, leasing, development, financing, and construction of projects across a multitude of asset classes, including residential, office, retail, industrial, condominium and senior housing. Our team regularly structures sophisticated joint ventures, partnerships and historic tax credit deals.
Rittenhouse Law represents banking institutions and private lenders in the financing of commercial real estate, including acquisition, construction and permanent debt, as well as mezzanine, bridge and other structured finance products. Our lawyers routinely represent banks and lenders in business banking, warehouse lending and similar facilities. Our firm also counsels financial institutions in creditor’s rights, and the workout and restructuring of debt instruments.


Why Finance Your Next Service?
While most routine plumbing, heating, and evaporator cooling services can typically be paid outright and out of pocket, there may be bigger services that are just as important, but require more of an investment. That’s when our flexible financing options come in handy!
Financing is especially helpful for major projects like bathroom remodels, whole-home repiping, and boiler replacement. When you need a toilet replaced or heat installed in the middle of winter, financing can help you get the services you need as soon as you need.
Flexible financing through Wisetack
- Short application-takes just a minute to see your options
- Checking your options does not affect your credit score
- Terms from 3 to 60 months
- APR from 0% to 29.9%
- No prepayment penalties, origination fees, or compounding interest
Example: a $2,000 purchase could cost $90.40 a month for 24 months, based on a 7.9% APR. All loans are subject to credit approval. Your terms may vary. Wisetack loans are issued by Hatch Bank. See wisetack.com/faq


Dar opțiunea iq opțiune binară în Optiuni
Option contracts traded on futures exchanges are mainly American-style, whereas those traded over-the-counter are mainly European. Nearly all stock and equity options are American options, while indexes are generally represented by European options.
Commodity options can be either style.
Dacă crezi că acest mesaj a fost afișat din greșeală, te rugăm să ne scrii la support iqoption. Sistemul de asistență pentru clienți cuprinde și oferă o calitate superioară clienților care ar avea nevoie de aceasta. Informații despre broker opțiune IQ Măsura de criptare nu ar crea nicio formă de complicație pentru clienți, dar ar face extrem de dificilă și imposibilă efectuarea de acțiuni neautorizate în contul dvs. IQ Opțiune El a avut grijă de confortul utilizatorilor intrări cu valoare estimată ridicată tranzacționare criptografică deja la începutul întâlnirii. Pentru comercianții care rulează contul real și care caută un upgrade la VIP, este de obicei un proces câștiga bani online de la domiciliu gratuit care de ce opțiunea de vanilie fi indicat tranzacționare live criptomonedă gratuită ce depozitul dvs.
Expiration date[ edit ] Traditional monthly American options expire the third Saturday of every month. They are closed for trading the Friday prior.
Option style - Wikipedia
European options expire the Friday prior to the third Saturday of every month. Therefore, they are closed for trading the Thursday prior to the third Saturday of every month.
- Теперь у нее была другая функция: любой турист, входящий в собор, должен купить билет.
- Opțiuni binare o tranzacție pe zi
- Lumânare Parfumată Bicolor - Selectați opțiunea dvs Iasomie/Vanilie
- Tehnologii elementare pentru tranzacționarea opțiunilor
- И пойдет на все, лишь бы эта информация не вышла из стен Третьего узла.
- Сьюзан шумно вздохнула.
Difference in value[ edit ] Assuming an arbitrage-free market, a partial differential equation known as the Black-Scholes equation can be derived to describe the prices of derivative securities as a function of few parameters. Under simplifying assumptions of the widely adopted Black modelthe Black-Scholes equation for European options has a closed-form solution known as the Black-Scholes formula.
In general, no corresponding formula exist for American options, but a choice of methods to approximate the price are available for example Roll-Geske-Whaley, Barone-Adesi and Whaley, Bjerksund and Stensland, binomial options model by Cox-Ross-Rubinstein, Black's approximation and others; there is no consensus on which is preferable.
An investor holding an American-style option and seeking optimal value will only exercise it before maturity under de ce opțiunea de vanilie circumstances. Owners who wish to realise the full value of their option will mostly prefer to sell it on, rather than exercise it immediately, sacrificing the time value.
Features[ edit ] A straight call or put option, either American or Europeanwould be considered non-exotic or vanilla option.
If it is worth more, then the difference is a guide to the likelihood of early exercise. In practice, one can calculate the Black—Scholes price of a European option that is equivalent to the American option except for the exercise dates of course.
The difference between the two prices can then be used to calibrate the more complex American option model. To account for the American's higher value there must be some situations in which it is optimal to exercise the American option before the expiration date.
This can arise in several ways, such as: An in the money ITM call option on a stock is often exercised just before the stock pays a dividend that would lower its value by more than the option's remaining time value.
A put option will usually be exercised early if the underlying asset files for bankruptcy. An American bond option on the dirty price of a bond such as some convertible bonds may be exercised immediately if ITM and a coupon is due. A put option on gold will be exercised early when deep ITM, because gold tends de ce opțiunea de vanilie hold its value whereas the currency used as the strike is often expected to lose value through inflation if the holder waits until final maturity to exercise the option they will almost certainly exercise a contract deep ITM, minimizing its time value.
This is intermediate between a European option—which allows exercise at a single time, namely expiry—and an American option, which allows exercise at any time the name is jocular: Bermudaa British overseas territoryis somewhat American and somewhat European—in de ce opțiunea de vanilie of both option style and physical location—but is nearer to American in terms of both. For example, a typical Bermudian de ce opțiunea de vanilie might confer the opportunity to enter into an interest rate swap.
The option holder might decide to enter into the swap at the first exercise date and so enter into, say, a ten-year swap or defer and have the opportunity to enter in six months time and so enter a nine-year and six-month swap ; see Swaption: Valuation. Most exotic interest rate options are of Bermudan style. Canary option[ de ce opțiunea de vanilie ] A Canary option is an option whose exercise style lies somewhere between European options and Bermudian options.
The name refers to the relative geography of the Canary Islands.
Typically, the holder can exercise the option at quarterly dates, but not before a set time period typically one year has elapsed. The ability to exercise the option ends prior to the maturity date of the product. The term was coined by Keith Kline, who at the time was an agency fixed income trader at the Bank of New York.
Capped-style option[ edit ] A capped-style option is not an interest rate cap but a conventional option with a pre-defined profit cap written into the contract.
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- Exotic option - Wikipedia
A capped-style option is automatically exercised when the underlying security closes at a price making the option's mark to market match the specified amount. Compound option[ de ce opțiunea de vanilie ] A compound option is an option on another option, and as such presents the holder with two separate exercise dates and decisions. If the first exercise date arrives and the 'inner' option's market price is below the agreed strike the first option will be exercised European stylegiving the holder a further option at final maturity.
Shout option[ edit ] A shout option allows the holder effectively two exercise dates: during the life of the option they can at any time "shout" to the seller that they are locking-in the current price, and if this gives them a better deal than the payoff at maturity they'll use the underlying price on the shout date rather than the price at maturity to calculate their final payoff.
Double option[ edit ] A double option gives the purchaser a composite call-and-put option an option to either buy or sell in a single contract. This has de ce opțiunea de vanilie ever been available in commodities markets and have never been traded on exchange. Swing option[ edit ] A swing option gives the purchaser the right to exercise one and only one call or put on any one of a number of specified exercise dates this latter aspect is Bermudan.
Penalties are imposed on the buyer if the net volume purchased exceeds or falls below specified upper and de ce opțiunea de vanilie limits. Allows the buyer to "swing" the price of the underlying asset.
Primarily used in energy trading. Evergreen option[ edit ] An Evergreen option is an option where the buyer has the right de ce opțiunea de vanilie exercise by providing a pre-determined period of notice. This option could be either American or European in nature or alternatively it could be combined with option styles that have non-vanilla exercise rights. Evergreen options provide sellers with a period of time to prepare for settlement once the buyer has exercised de ce opțiunea de vanilie rights under the option.
Embedding evergreen optionality within on and de ce opțiunea de vanilie sheet products can enable counterparties such as banks that must adhere to Basel III to lengthen their inflow or outflow obligations. The pricing of such options naturally needs to take into account FX volatility and the correlation between the exchange rate of the two currencies involved and the underlying stock price.
Quanto option[ edit ] A quanto option is a cross option in which the exchange rate is fixed at the outset of the trade, typically at 1.
Exchange option[ edit ] An exchange option is the right to exchange one asset for another such as a sugar future for a corporate bond.


In today's competitive business landscape, optimizing workforce costs while maintaining efficiency and compliance is a balancing act that requires strategic planning and innovative solutions. Effective payroll management emerges as a critical component in this equation, offering businesses the leverage to streamline operations, reduce administrative burdens, and ensure a happy, motivated workforce. This article delves into the nuances of payroll management, highlighting the role of Managed Services Providers (MSPs) and introducing DZConneX as a pivotal player in transforming payroll processes.
The Essence of Effective Payroll Management
1. Understanding Payroll Management's Impact on Workforce Costs
Payroll management extends beyond mere calculation and distribution of wages; it's a comprehensive approach that encompasses tax withholdings, benefits administration, and compliance with labor laws. The efficiency of your payroll system directly influences your company's financial health, employee satisfaction, and regulatory compliance. An optimized payroll process ensures that your workforce costs are aligned with your financial goals, minimizing errors and delays that could lead to dissatisfaction or penalties.
2. Strategic Payroll Planning to Reduce Overhead
3. Leveraging Technology for Payroll Efficiency
In the digital age, leveraging technology is non-negotiable for optimizing payroll processes. Automated payroll systems can handle complex calculations, tax withholdings, and compliance requirements with precision and speed. These systems reduce the likelihood of human error and free up human resources for more strategic tasks. Additionally, modern payroll solutions offer employees self-service options, enhancing transparency and satisfaction by giving them direct access to their paystubs, tax documents, and benefits information.
4. The Role of MSPs in Payroll Management
DZConneX: A Catalyst for Payroll Management Excellence
1. Comprehensive Payroll Solutions Tailored to Your Business
DZConneX stands out as an MSP that offers customized payroll solutions designed to meet the unique needs of each business. By understanding the specific challenges and objectives of their clients, DZConneX delivers a tailored approach that optimizes payroll processes, reduces costs, and enhances compliance. Their expertise extends to managing diverse workforce models, including permanent employees, freelancers, and contractors, ensuring seamless integration into the overall payroll system.
2. Technology-Driven Approach for Maximum Efficiency
3. Ensuring Compliance and Reducing Risks
4. Dedicated Support for a Seamless Payroll Experience
Advanced Strategies for Payroll Efficiency
Integration of Payroll with HR and Accounting Systems: Integrating payroll systems with human resources and accounting software can create a seamless flow of information, reduce data entry errors, and improve reporting capabilities. This integration ensures that changes in employee status, benefits enrollment, or time tracking are automatically updated in the payroll system, reducing manual intervention and increasing accuracy.
Adoption of Cloud-Based Payroll Services: Cloud-based payroll solutions offer the advantages of accessibility, scalability, and security. Companies can access their payroll systems from anywhere, easily scale up as they grow, and benefit from advanced security measures provided by cloud service providers. Moreover, cloud-based systems are often updated to reflect the latest tax rates and regulatory requirements, ensuring compliance.
Regular Audits and Process Reviews: Conducting regular audits of the payroll process can help identify inefficiencies, errors, or areas of non-compliance. These audits, whether conducted internally or by external experts, can lead to process improvements and ensure that the payroll system remains efficient and compliant with all relevant laws and regulations.


GIVING TO MISSIONS
One out of every ten dollars given to Mosaic Church goes to support missions, locally and around the world. We support groups that:
- Plant churches internationally
- Feed starving children
- Minister to prison inmates
- And more!
Your gift is not only making a difference here in south Mississippi but it’s making a difference around the world!
What are Mosaic's views on giving?
Our view on giving is simple; God owns it all. We have the privilege of managing HIS money. So, we give and spend with this in mind. We give out of joy, not guilt or manipulation. We carefully budget as a church so that we use every gift to its fullest to bring people to Jesus.
What if I can't afford to give?
We want to discourage you from giving in any way that will put you in debt because giving is a spiritual discipline, not just an act of giving money. If God leads you to give sacrificially, we believe you should follow His leading, but we don’t think to give on credit is one and the same.
Which giving option should I choose?
The “General Contributions” giving option is our church operating fund and is used to finance the ongoing operations of Mosaic Church. We encourage contributors to give their tithe and offering to this fund throughout the year.
Will I receive a giving statement?
Yes, we provide giving statements annually. If you give online you can sign in and view your giving to-date.
What other ways can I give?
You can make a 1-time or schedule recurring giving on our website at mosaicgc.com/giving, through our app by clicking the “giving” tab, in-person at any one of our weekend services, or you can mail your gift to:
2016 Bienville Boulevard
Ocean Springs, Mississippi 39564 2016
Can I give assets to the church?
Yes! You can give stocks, bonds, shares, retirement assets, trusts, valuable items (vehicles, boats, jewelry, etc.) and even life insurance policies. Please contact us during business hours at (228) 875-3500 with any questions about giving assets to Mosaic Church.
Can I give if I live outside the US?
Yes! Individuals from any country can give a one time gift through our website using a credit card.
JOIN US FOR A SERVICE
Mosaic Church meets Thursdays at 7 pm and Sundays at 9 & 10:30 am in Ocean Springs. Our Harrison County Campus meets Sundays at 10:30 am. We'd love to see you this week!
Ocean Springs Campus
2016 Bienville Blvd.
Ocean Springs, MS 39564
3320 Warrior Dr
D'Iberville, MS 39540
firstname.lastname@example.org (228) 875-3500
GET SOCIAL WITH US!
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First off, I’m a blogger so it seems wrong not to mention it, but more importantly, it’s a legitimate way to make money. It’s quite possibly the least straight-forward way on this list, but it’s very doable and it’s also quite possibly the funnest way on this list. I love blogging and I know hundreds of bloggers who feel the same. So let’s talk about making money blogging and what it really means.
Research selling prices of items similar to yours. Look up completed sales or current listings of items similar to yours. Find the high- and low-end prices, and price your object around the median price level. If you want your item to sell quickly, price it at the low end. The condition of the item also affects the price. Items in poorer condition should be priced at the lower end. Also, consider how many listings there already are of items similar to yours. If many similar items will be competing with yours, you may have to set the price lower to get the sale.
21. Facebook – Facebook swap shops are great for selling things locally. It’s like CraigsList, but a little easier. You simply search for swap shops in your area and ask to join the group. Once you’re in, take a picture of the item, write a quick description with the price and post it. It doesn’t get much easier than that. You can generally expect to get about what you would get at a yard sale, maybe a little more.
Upwork: This website offers a great marketplace for selling just about any professional service. You don't need a merchant account, website of your own or anything else for that matter. All you need to do is be able to provide a high-quality service at a reasonable price. But be informed, you will have to compete with many others that are constantly bidding on open jobs.
Considering that you have a finite amount of time, passive income should make up a large part of your work. If you're serious about generating any semblance of income online, then passive income should be one of your sole goals and ambitions. Why? Wouldn't you prefer to do the work one time and get paid repeatedly as opposed to relying on your time to generate that income? Invest the time at the front-end so that you can reap the benefits on the back-end. This means putting in a bit of sweat equity and not getting paid today. Rather, you'll get paid somewhere down the road. And you'll continue getting paid whether you keep building that passive income stream or you stop.
While some might think that starting a blog is an arduous effort, when you understand the precise steps you need to take, it becomes far easier. It all starts in the decision of choosing a profitable niche and picking the right domain name. From there, you need to build your offers. You can easily sell things like mini-email courses, trainings and ebooks.
For years, Apple has been recognized as offering the best customer support in the industry, and there are thousands of reasons why: our customer service advisors. They’re curious investigators, technical problem solvers, and good listeners. Are you? Do you like the way it feels when you help others? Do you have the discipline to manage yourself? Can you focus in a home environment? Are you a multitasker? Are you our next At Home Advisor?
Set up the site. Choose a website building platform, such as WordPress, Joomla or Drupal. Next, choose a domain name and web hosting for your site. The domain name is your web address. Web hosting is a service that connects your site to the internet. Once you have your domain name and web hosting, go to the control panel of your hosting account and install your website platform. Design your website by choosing and installing a theme.
YouTube is constantly rolling out new features (and changing old ones). While some fundamental basics will likely stick around, like great descriptions and suitable music, other features do change and it is in your best interest to experiment with them for maximum impact. After all, YouTube put them there for a reason. For example, end screens and YouTube cards are […]
Etsy: While Etsy's popularity has declined recently, it's still a great resource for selling handmade items online. No need for complex ecommerce sites or merchant accounts or any sort of automation. The company takes a commission of every sale and charges a small listing fee per item. But many still use Etsy as their primary source of income. The best part is that you can also sell digital products on here such as poster designs.
Keep in mind though, you don’t need a website to do sponsored content since you can also get paid if you have a lot of social media followers. My wife has a pretty big Instagram following, and she gets all kinds of sponsorships. Not only does she get paid in cash, but we get a lot of free stuff, too. We’ve received free rugs, free lights, and free carpet cleaners. She only promotes things she loves though, so this strategy works really well for her.
Need more ideas on how to make money online? Another strategy is using webinars to market your product, service, or course. I’ve done webinars to promote my financial planning practice and to drum up interest in my online course for financial advisors. With a webinar, you’re basically offering a lot of tips and advice for free — usually in a live format. At the end though, you pitch your paid product or service with the goal of securing a few deals.
If you’re looking for inspiration, my friend Michelle Schroeder-Gardner of the website Making Sense of Sense has become the expert on all things affiliate marketing. Michelle earns more than $100,000 per month from her blog and the bulk of her income comes from affiliate sales. Michelle has had so much success with affiliate marketing that she even has her own course called Making Sense of Affiliate Marketing.


Many of the business owners are shocked by their business value when they decide to sell. While most have a value goal in mind, few actually determine their current value until it is too late. Set the right bench marks now with a comprehensive business valuation to ensure you meet or exceed your business value goals. Avoid the pit falls and dont leave it too late.
Businesses evolve, and now it’s more important than ever to know your true value every step of the way.
Besides being valuable information for your day-to-day operations, a thorough review and appraisal of your company will also help if you’re trying to obtain a loan, computing for executive compensation, filing for bankruptcy or divorce, or any other current and short-term business issues that need to be addressed promptly.
How Are Businesses Valued?
The valuation of businesses has grown to be both a science and an art. To arrive at a defensible business valuation an expert on valuations needs to follow the standards and norms that have been developed by experts in the business valuation field. Many well intentioned business valuation professionals fail to produce accurate and defensible valuations because they do not possess the knowledge of the “art”. The art portion of business valuation comes from the forces of the market and the constant changing dynamic of expected rate of returns for given risks.
There are several commonly accepted business valuation methodologies, the following are the most common methods: Capitalization of Earnings, Discounted Future Earnings, Adjusted Book Value, Comparable Price, Excess Earnings Capacity. The business valuation expert will carefully utilize the appropriate methods and also utilize the the applicable weights to each of the methods to arrive with a accurate and defensible business valuation.
Why Do I Need a Business Valuation?
A Business Valuation is an important tool because it helps to validate and benchmark the true worth of your company. Once you know the value of your business, you can concentrate your resources on maintaining and increasing its value.
A Business Valuation prepared by a valuation expert serves as a credible value benchmark. Our business valuations are fully documented in a detailed written report and provide you with a realistic, credible, and defensible value of your company.
Contact us to find out more about business valuations.


PayPoing is by far one of the fastest online payment platform that offers easy-to-use & convenient solutions for patients to pay their fees with just a link.
How it works :
- PayPoing will provide you a unique payment link. All you need to do is share the link with your patients via sms, whatsapp or any other communication app that connects you with them. The patients can visit the link and make the payment via their preferred mode of payment. Eg: Credit Card, Debit Card, Net Banking, Wallets and other methods.
- You can also place a QR code at your billing desk. Patients can simply scan the QR code and make the payment through a mode of payment of their choice.
- You will receive an SMS confirmation for every successful payment on the mobile number registered by you with PayPoing.
PayPoing is a seamless payment solution, that consolidates all methods of payment onto one single platform to make transactions easier between all medical practitioners / doctors and patients.
It is available to you at the most competitive pricing of Rs. 1000 per year for unlimited transactions.
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