Credit card reward points are a popular incentive offered by credit card companies to attract and retain customers. They can be redeemed for a variety of items, from travel to cashback to merchandise. However, not all reward programs are created equal, and maximizing your reward points can be challenging. In this article, we’ll explore the ins and outs of credit card reward points and how to get the most out of them. If you’re new to the world of credit card points, you might find The Points Party Beginner’s Guide a useful starting point.
What are Credit Card Reward Points?
Credit card reward points are a form of loyalty program offered by credit card companies to incentivize customers to use their credit cards for purchases. These points are earned on eligible purchases and can be redeemed for rewards such as travel, cashback, and other perks. Depending on the type of credit card, reward points will accumulate at different rates based on the amount spent on the credit card.
But did you know that travel credit card reward points can also come with additional benefits? For example, some credit cards offer complimentary travel insurance when you use your card to purchase travel tickets. This can save you money on purchasing separate travel insurance policies. Additionally, some credit cards offer extended warranties on purchases made with the card, providing extra protection and peace of mind.
Types of Credit Card Rewards
There are several types of credit card rewards. Some popular ones include travel rewards, cashback rewards, merchandise rewards, and statement credits. Understanding the different types of rewards can help you choose a credit card that aligns with your lifestyle and spending habits.
Travel rewards can be particularly valuable for people who travel frequently. Some credit cards offer rewards such as free flights, hotel stays, or upgrades. Additionally, some credit cards offer lounge access at airports, providing a comfortable and relaxing space to wait for your flight.
Cashback rewards can be a great way to earn money back on your purchases. Some credit cards offer up to 5% cashback on certain categories of purchases, such as groceries or gas. This can add up quickly and provide a nice bonus at the end of the year.
Merchandise rewards can be a fun way to redeem your points. Some credit cards offer rewards such as electronics, household items, or even gift cards. This can be a great way to treat yourself or purchase gifts for others.
How Reward Points Are Earned
Reward points are earned based on eligible purchases made with the credit card. Some credit cards offer bonus points for specific categories of purchases, such as groceries or gas. There are also opportunities to earn additional points through sign-up bonuses, referrals, or spending thresholds.
It’s important to note that not all purchases will earn reward points. Some credit cards exclude certain purchases, such as cash advances or balance transfers, from earning points. It’s important to read the terms and conditions of your credit card to understand what purchases are eligible for reward points.
Understanding Point Values
The point value of a credit card reward can vary depending on the credit card company and the reward program. It’s important to understand point values to make informed decisions about reward redemption. For example, some rewards might require more points than others, making them less valuable overall.
Additionally, some credit cards offer more value for your points when redeeming for certain rewards. For example, some credit cards offer a higher redemption value when redeeming for travel rewards compared to merchandise rewards. Understanding these differences can help you maximize the value of your reward points.
Choosing the Right Credit Card for You
Choosing the right credit card is crucial for maximizing your reward points. With so many options available, it can be overwhelming to decide which credit card is best for you. One important decision may be choosing between premium cards such as the American Express Gold and Platinum. Considering the following factors can help make the decision easier.
Assessing Your Spending Habits
Evaluate your spending habits and choose a credit card that rewards you for your most common purchases. For example, if you frequently travel, consider a credit card with travel rewards. If you often dine out, look for a credit card that offers cashback or points for restaurant purchases. Similarly, if you spend a lot on groceries, choose a credit card that rewards you for grocery purchases. By selecting a credit card that aligns with your spending habits, you can maximize your rewards and get the most out of your credit card.
Moreover, understanding your spending habits can help you determine the credit limit you need. If you have a high credit limit, you can make large purchases without worrying about maxing out your card. However, if you are prone to overspending, a lower credit limit may be more suitable for you.
Comparing Reward Programs
Compare the reward programs offered by different credit cards to determine which one best aligns with your needs and preferences. Some credit cards offer cashback rewards, while others offer points that can be redeemed for travel, merchandise, or gift cards. Additionally, some credit cards offer sign-up bonuses, which can be a great way to earn extra rewards. However, be sure to read the fine print and understand the terms and conditions of the reward program before signing up.
Furthermore, some credit cards offer additional perks, such as travel insurance, purchase protection, and extended warranties. These perks can add significant value to your credit card, so be sure to consider them when comparing different credit cards.
Considering Annual Fees and Interest Rates
Annual fees and interest rates can significantly impact the value of your rewards. Be sure to consider these factors when choosing a credit card. Some credit cards offer no annual fees, while others charge hundreds of dollars per year. If you are considering a credit card with an annual fee, make sure the rewards and perks outweigh the cost. For instance, the Chase Sapphire Reserve has a significant annual fee, but the benefits may make it worth it for some people.
Similarly, interest rates can add up quickly if you carry a balance on your credit card. Look for a credit card with a low interest rate to minimize the amount of interest you pay over time.
Overall, choosing the right credit card requires careful consideration of your spending habits, reward programs, annual fees, and interest rates. By selecting a credit card that aligns with your needs and preferences, you can maximize your rewards and get the most out of your credit card.
Maximizing Your Reward Points
Earning points is just the first step in maximizing your credit card reward points. Consider the following strategies:
Combining Multiple Credit Cards
Using multiple credit cards can help you earn bonus rewards on different categories of purchases. Just be sure to manage your cards responsibly and avoid carrying a balance on any of them.
Taking Advantage of Sign-up Bonuses
Sign-up bonuses can be a great way to earn a large number of points quickly. Just be sure to meet the spending requirements to receive the bonus.
Utilizing Shopping Portals and Special Offers
Many credit cards offer special deals and promotions that can earn additional points. Take advantage of these offers to boost your reward points.
Redeeming Your Reward Points
Redeeming your reward points can be just as important as earning them. Consider the following options:
Cashback rewards can be a straightforward way to redeem your reward points. However, make sure to understand the redemption rate for cashback rewards and whether there are any minimum thresholds.
Travel Rewards and Booking Tips
Travel rewards can offer excellent value if you book wisely. Be sure to research flights, hotels, and other travel expenses to get the best deals.
Gift Cards and Merchandise Redemptions
Redeeming your reward points for gift cards or merchandise can be a fun way to treat yourself. Just make sure to choose rewards that you will actually use.
Credit card reward points can be a valuable tool for earning travel, cashback, and other perks. By choosing the right credit card, earning points strategically, and redeeming rewards wisely, you can maximize the value of your credit card reward points. Use these tips to make the most out of your credit card rewards program. Remember, the best credit card for you depends on your individual spending habits, travel preferences, and financial situation. So take your time, do your research, and make an informed choice.


Initial assessment- Senior Physiotherapist $100
Initial assessment- Physiotherapist $90
30-minute follow up visit $68
Returning client new problem $90/100
1 hour follow up visit $120
We are able to bill most extended health insurance companies: Blue Cross, GreenShield, Sun Life, Manulife, Cowan, DesJardins, Industrial Alliance, Johnson Inc., and Johnston Group. VISA, MC, Debit, and cash are acceptable methods of payment for patient pay amounts or those without health insurance.
ICBC clients are required to contact their adjuster to discuss reimbursement. We do not bill ICBC directly. We do not have a contract to see WSBC clients at this time but are happy to recommend other physiotherapy clinics for WSBC clients.
We do not have direct billing for MSP Eligible patients. We take full visit payment and give a receipt that you are able to submit for MSP refund.


But to continue our vital work, we need your support:
Or donate through bank transfer in one of the United Way Donation accounts:
In RON: RO 67 RZBR 0000 0600 0510 0708
In EUR: RO 72 RZBR 0000 0600 0805 8342
In USD: RO 97 RZBR 0000 0600 0520 4928
Each year, socially responsible companies join their efforts with United Way to address our community’s most stringent issues.
United Way raises important funds through payroll giving.
If your employer is a United Way corporate partner, you can choose to contribute with a fix amount from your every month’s salary.
Donors who give $1,000 or more a year automatically become part of United Way’s Leadership Circle.
Donors who give $10,000 or more a year join the exclusive Alexis de Tocqueville Society, among most generous philanthropists who accepted a leadership role in making major financial contributions to our community through United Way.
Send VIITOR, by SMS at 8844 and donate 2 euros/month, so that an underprivileged child can go to school and continue his education.
Thank you for your support and for helping our community!


Yes – we have payment terms for spot cash: 1 year and 1.5 years to pay. For non-payment, a grace period is allowed for updating the account.
Selling of fresh, unprocessed fruit is non VAT-able. Individual farming itself is not a taxable business, so there are no taxes required on the farmer’s side.
However, if you choose to assign farm ownership to a company, business taxes on the farm’s income shall be charged to your company
Yes. We allow group funding for our dragon fruit farms. You can form a group with your relatives, friends, or colleagues, fund a farm together, and divide the returns amongst yourselves.
In matters of inheritance, the farm shares will be transferrable to each of your and your partners’ respective designated beneficiaries.
Agbeam will be in contract to buy 100% of the produce. We follow a criteria for pricing, but everything will definitely be purchased.
Currently, our fruits are sold out 2-3 weeks before harvest time, so the likelihood of fruit not being distributed is very small.
Based on our calculations, the 1,000 hectares of plantations we plan to develop will only be able to fulfill the 2017 local demand for dragon fruit and a very small fraction of the export demand. Both local and export demands are increasing by more than 15% every year, which means that demand would be even higher once we finish developing all the farms.
Yes. The lands will be properly subdivided and assigned a specific lot and quadrant number. You will be able to easily see the specific location and area of your farm.
There are two kinds of insurances you can avail of: insurance for your crops and insurance for your payment scheme.
If you have chosen Package A (Agbeam land and management), we’ll provide crop insurance for your farm on its first year of operations. This will protect you from fortuitous scenarios that may destroy your plantation. On the second year and onwards, you can choose to continue the insurance on your account.
We also have mortgage redemption insurance for your payment scheme. In case anything happens to you within the payment period, our insurance partner will pay us (Agbeam) in full, and we will transfer your farm to your declared beneficiary.
The portal will serve as a management and monitoring tool for farm owners. It will show all customer and farm data, payments, income, withdrawals, reports, AV materials, receipts, and news and updates.
We follow International Standards (Good Agricultural Practices, Food Safety, HACCP) when it comes to farm operations and management.
This means that before we assign you to a lot, we have already done a strict audit on soil, water, etc. to ensure that the property assigned to you will bear good fruit. All these pre-planting activities are covered by your total fund amount.


Every year I give a talk to high school students. I ask them if they want to invest like millionaires. Without exception, they say they do. Then I point out that millionaires invest in hundreds or thousands of companies, instead of only in a few. The good news is that if you have a few thousand dollars, you can invest like a millionaire through mutual funds.
— Page: 16
As exciting as it may be to buy individual stocks, mutual funds and ETFs allow you to diversify. If you aren’t diversified then you are gambling, which can be fun but should not be considered investing.
My Social Media Links: Facebook; Google+; Twitter;
Article Series - 101 Investment Decisions
- 101 Investment Decisions Guaranteed to Change Your Financial Future by Paul Merriman
- Invest like a Millionaire – Use Mutual Funds and ETFs
- Investment Advisors – Commissioned & Fee Based


Spread your payments with Verity & Me's Shopping Experience!
We're excited to announce that we have partnered with Klarna to allow you to spread your payments to your shopping journey on verityandme.co.uk.
What is Klarna, you ask?
Klarna is a renowned payment option trusted by numerous retailers, providing you with a convenient "shop now, pay for your goods later" service at the checkout.
This means you don't have to make immediate payment, enabling you extra time to decide which items you'd like to keep from your order.
Here's how you can make the most of Klarna while shopping with us:
Add your desired item(s) to the cart and proceed to checkout.
By default the payment process on verityandme.co.uk will be Card. So, simply select Klarna as your preferred payment option during the checkout and click "Place Order"
You will be redirected to the Klarna Payment Gateway.
Once paid you can Manage all your orders and payments seamlessly within the Klarna app.
With Klarna, you have two fantastic payment options available:
Pay in 30 Days
Complete your purchase today and start flaunting your new clothing as soon as it arrives.
Alternatively, take some time to ponder over your choices. You can pay within 30 days after shipping with no interest, fees, or stress involved.
Pay in 3 Instalments
If your purchase amounts to a minimum of £90, you can divide the total cost into three equal payments.
Spread the cost of your purchase over time without any interest or fees.
Simply provide your preferred credit or debit card details, and automatic payments will be made every 30 days.
Your first instalment will be collected when your order is confirmed, followed by instalments 2 and 3 scheduled for 30 and 60 days later, respectively.
Why should you choose Klarna for your payment needs?
By opting for Klarna, you'll have all your purchases conveniently tracked in one place—the Klarna app.
You can effortlessly pay any outstanding balances and stay on top of your finances. Moreover, both payment options come with 0% interest, fees, or late-payment charges.
We understand the importance of your personal data security. To enable Klarna's payment options, we will securely pass certain aspects of your personal information, such as contact and order details, to Klarna. This is done solely for Klarna to assess your eligibility for their payment options and customize them to suit your needs. Rest assured, Klarna maintains stringent anti-fraud measures to protect customers and prevent unauthorized purchases.
Spread your payments today and enjoy your shopping experience with Klarna on Verityandme.co.uk


Club fee includes uniforms package, tournament fees, coaches salary, admin, training, facility rental, and equipments. This club fee does not include USAV/AAU membership fee, travel and hotel expenses.
*Please note travel team fees include AAU Junior National Volleyball champions in Florida or USAV Junior National Championships if qualify, and post season extra practices to prepare for National.
At tryout, there will be a $500 non-refundable deposit if accepted to the club team. We accept cash or check, this deposit is going toward your club fee.
The payment options for the rest of the club fee are as follows:
Provide one-time cash payment in full, cash or check. $100 discount if paid in full.
Provide 6 post-dated remaining evenly divided checks due on the 15th of each month from September 2020 to February 2021.
There will be a $50 charge for any returned check.
|Team||Price||# Practices||# Local Tours||# of In-State Travel Tours||# Out of Texas Tour|
|U11/U12 Legend Local||$1600||2||6|
|U12 Magic State||$2300||2||9||1|
|U12 Royal State||$2600||3||9||1|
|U13 Legend Local||$2200||2||8|
|U13 Magic State||$2500||2||9||1|
|U13 Royal State||$2900||3||9||1|
|U14-U15 Oz Local||$2300||2||8|
|U14-U15 Legend State||$2500||2||9||1|
|U14 Royal State||$3000||3||8||2|
|U15 Magic State||$3000||3||8||2|
|U15 Royal Travel||$3500||3||8||2||1|
|U16-U18 Legend State||$2700||2||9||1|
|U16-U18 Magic State||$3100||3||8||2|
|U16-U18 Royal Travel||$3500||3||8||2||1|


We can assist small businesses in all areas of taxation and across all industries, with special interests in:
- manufactured home and holiday parks
- medical practitioners (general & specialist)
- child care centres
- real estate agencies
- property development
- contractors and consultants
Accounting and Taxation
- Annual tax planning
- Financial statements and tax return preparation for all entity types including companies, trusts, partnerships, SMSF’s and sole traders.
- Company secretarial obligations
- BAS & IAS preparation with annual GST returns
- Other compliance including FBT, payroll tax and land tax, employee obligations including payroll, superannuation and workers compensation
- Specialist tax advice for ‘one off’ transactions including business and property sales.
Business Advice & Management Assistance
Whether you need help with the setup or your new business or business purchase, or if you would like to better understand your existing business and want the right tools to assist with making management decisions, we offer services such as:
- Setup of operating structures and advice
- Review of existing structure
- Benchmarking/KPI reporting
- Cash flow forecasting
- Management reporting
- Buying and selling businesses
Ask us how we can drastically reduce the time you spend on your books. Choosing the right tools for the job is essential and that’s why we are affiliated with a variety of software providers to ensure the correct fit for your business.
Alternatively, we would be happy to take care of all aspects of your bookkeeping for you. We have packages starting from as little as $150 per month including the software.


At Inland Endodontics, we make every effort to provide you with the finest care and the most convenient financial options. To accomplish this, we work hand-in-hand with you to maximize your insurance reimbursement for covered procedures.
Please provide us with your insurance information prior to your consultation so that we can provide you with an estimate and expedite reimbursement.
Patients With Dental Insurance
Your insurance benefit may cover anywhere from 0 to 100% of the fee, depending on the terms of your insurance. As a courtesy to our patients, our office estimates the amount that the insurance will likely cover for that procedure.The patient’s estimated portion is due at the time service is rendered. Our office will then submit a claim to your insurance for any services that have been completed. Once claims have been processed, you will be notified if there is a difference in the amount that is due.
Please remember you are fully responsible for all fees charged by this office regardless of your insurance coverage.


Rates and terms of payment
To be valid, the reservation must be accompanied cumulatively by:
- A deposit, equal to 25% of the rental price. By express agreement between the parties, it is agreed that this sum is paid as a down payment, and not as a deposit.
- The initialled and signed rental contract.
The balance of the rental price must be paid, at the latest, one month before the date of the beginning of the stay.
If the balance is not paid, at the latest one month before the date of arrival of the tenant, we reserve the right to cancel the stay. In this case, the deposit will be returned to the tenant if the property is rented again on the same dates at the same price.
The price must be paid in full, in a single payment, on the day of the reservation if the reservation is made within a period equal to or less than one month before the date of the beginning of the stay.
All our prices are in Euros, all taxes included, and include all the services at your disposal, the rent and the rental charges.
The lessee undertakes to take possession of the premises at the dates and times fixed in the contract.
The keys will be handed over only after the payment of the deposit, the payment of the additional services reserved if necessary, and the visitor’s tax.
If the deposit is stipulated “cashed” on the present contract, it must be paid at the time of the balance of the rental one month before arrival.
The rental does not include:
- The visitor’s tax (rate per day and per person depending on the property)
- All additional services: airport transfers, ski equipment, ski passes and other options.Any bank charges to be paid by the client.
Terms and formation of the contract
We make an offer to rent, by any means and possibly by any form of advertising.
The rental contract is then only validly formed with our confirmation of the rental, we will intervene within one month of the payment of the deposit. If at the end of this period, we have not confirmed the rental, we will return the deposit immediately and the reservation will be considered null and void.
- All cancellations must be notified by registered mail.
- The date of presentation of the letter will determine the date of cancellation.
- In case of cancellation by the tenant, the conditions below will be applied:
- From the date of reservation to 61 days: the deposit is not returned to
- From 60 to 31 days: 75% of the stay will be charged to the tenant.
- From 30 days and the date of arrival or no show at the beginning of the stay: 100% of the stay will be charged to the tenant.
- From the date of reservation to 61 days: the deposit is not returned to
Exceptional situation due to COVID-19 :
- French resident: 100% refund if the resort of Val d’Isère is closed on the date of the beginning of the stay.
- Non French resident: 100% refund if the French borders are closed (or if the Val d’Isère resort is closed on the date of the stay.
- Guarantee 50 % within 30 days to 15 days before the start of the stay. If the borders of the country of origin (of the French non-resident reserving) are closed for the date of the stay. By published official decree.
- the reservist must notify it to the reserving party (RCAR within the above time limit).
- Guarantee 25 % within 15 days before the date of the stay, and until the provisional date of arrival then a possible refund of 25 % of the sums in the form of a credit note valid for the following season.
For any cancellation for which the reason would be motivated, and in the event of re-renting of the aforementioned goods by our care, the paid amount could be restored to the tenant, not being able to honour his contract. Any stay shortened or interrupted by the tenant will not give right to any refund.
If we were forced to cancel the stay in the accommodation provided, due to the actions of third parties or external circumstances such as the Covid-19, we will provide, if possible, accommodation of the same category, or a higher category, without additional charge. Otherwise, we undertake to reimburse immediately the full amount paid.
Insurance Cancellation insurance can be taken out for the stay. It will be subject to a supplement, the conditions of which will be sent to the taker on request if necessary.
All objects or personal effects belonging to the tenant are the tenant’s own responsibility.
Concerning the rented property, the lessee is responsible for any damage he has caused.
The lessee shall therefore be required to take out insurance with an insurance company against the risks of theft, fire, glass breakage and water damage.
And more generally, he must insure himself for the totality of his rental risks and the furniture rented, as well as for eventual recourse by the neighbours, and must be able to justify this at the simple request of the owner or his representative. Consequently, the latter decline all responsibility for the recourse that their insurance company could exercise
against the lessee in the event of a claim.
Goods and chattels should only suffer depreciation arising from the normal use for which they are intended.
The security deposit shall be paid to cover any damage or loss caused to the rented goods.
The security deposit paid by the tenant will be kept until the counter-statement of the premises made by the agency after the client’s departure. It can be cashed.
We ask for a deposit of 15 000€ for the Chalet Orso.
We ask for a deposit of 10 000€ for Chalet Orca.
The security deposit will be paid no later than one month before the start of the rental period.
- By bank transfer, according to the amount indicated on the particular conditions of the contract.
It will be returned within a maximum period of two weeks after the tenant’s departure, less the cost of repairing the premises if any damage is found.
If the security deposit is not sufficient to cover the costs due to the damage, the tenant undertakes to pay the balance on first request.
An increase of up to 10% (on the price excluding VAT) may be added to our concierge services (taxi transfers, cleaning…).
The re-invoicing of services having a reduced VAT rate will necessarily lead to a change of VAT at the common law rate* except for services subject to disbursement.
*As of 01 January 2014, the common law VAT rate is 20%.
Certain additional services subject to reduced VAT are provided to you as part of disbursements. We are at your disposal to purchase for you the product or service (ski passes, ESF ski lessons) at a reduced rate of VAT from the company concerned. This is a reimbursement of disbursements on behalf of third parties and we do not have to charge VAT on the sums reimbursed by the principal. We do not charge a margin and the service is purchased at the public price displayed at the service provider’s cash desk.
Each tenant must report directly to the Chalets upon arrival.
The rentals start from 5.00 pm.
● Any late arrival, i.e. after 7.30 pm, must be notified to us beforehand so that we can make the best possible arrangements.
● We will not be able to organize an arrival after 11:30 pm.
● The tenant(s) are obliged to park in the private car park of the Chalet and not on the public road or in the local area.
- On the day of departure, the accommodation must imperatively be vacated before 10:00 am, with the handing over of the keys.
- Any delayed departure will be charged 1000€/hour per chalet.
- The total settlement of the bill at the end of the stay must be paid, at the latest, the day before the tenant’s departure (i.e. Friday).
- Any key, remote control or beeper not returned will be invoiced at the purchase price.
Duration of the stay
The length of stay is specified in the special conditions of this contract. Under no circumstances will the tenant be allowed to stay in the premises after this period, unless we have given our prior agreement, subject to an additional charge, which will be fixed in proportion to the price of the stay.
The latter declares on his honour that he does not exercise and does not seek to exercise any profession in the rental and that the premises which are the subject of the present contract are rented to him only as a temporary residence, major conditions without which the present rental would not have been granted.
State of the premise
The inventory and the inventory of fixtures, of entry and exit, will be carried out unilaterally by our care before the arrival and after the departure of the tenant. The said inventory of fixtures not being carried out in a contradictory way, the tenant will benefit from a 48 hour deadline to formulate any complaint. After this period, the rented goods will be considered as free of damage when he enters the premises.
Use of the premises: exclusive use of seasonal furnished rentals.
- To occupy the rented building only for non-commercial purposes, which is privately owned. The tenant undertakes to use it only temporarily. This building will in no case be his or her main or secondary residence and the tenant will not carry out any professional, craft or commercial activity there.
- The lessee undertakes to take the rented premises in the state in which they will be at the time of entry into use as described in the descriptive statement of this contract.
- Occupy the chalet or apartment in such a way as to do nothing that could harm the neighbourhood. In particular, it must not create any nuisance, noise or any other disturbances.
- The lessee undertakes to use the furniture and objects furnishing the rented property for the use for which they are intended and in the places where they are located. He formally refrains from transporting them outside the rented premises.
- Occupy the premises personally and may not under any circumstances sublet them, even free of charge, nor transfer his rights under this agreement without the consent of the agency. He will have to live in the rented premises and will not be allowed, under any pretext, to store furniture, except for linen and small items.
- Keep the premises in good condition during the stay.
- Do not bring in any animals, except with our permission and for an additional charge.
- Notify us of any minor maintenance work that may have been carried out.
- Let us carry out any work that needs to be carried out in the obvious urgency, whatever it may be. If the work to be carried out is due to a deterioration attributable to the tenant, it will be re-invoiced to the tenant.
- The lessee is responsible for the destruction or deterioration of any object placed at his disposal, as an accessory to the Chalet, and for any damage that may be caused to the building and installations of any kind, due to abnormal use, in particular electrical and heating appliances, or the obstruction of the WC, washbasin, bathtub
or sink by objects of a nature to block the drains. In the event of suspicion of damage, we will then have access to the rented Chalet to carry out all the necessary checks.
- In the event of renting in a building, the tenants will comply, as occupants of the premises, with the internal regulations of the building, of which they acknowledge having taken cognizance
Obligations of Mouton à Bascule
Mouton à Bascule undertakes to supply the building and its accessories, as described in the description received at the time of reservation and to respect the obligations resulting from this contract.
Any complaint relating to a service must be sent to us within 3 days of entering the premises.
The renunciation of the tenant to one or more services included in the package cannot be the subject of any reimbursement unless a prior agreement is made and in which case we will make it appear in the said contract.
This contract is established for a maximum capacity of:
- 14 people for the Chalet Orso (that is 13 adults, 1 child (under 10 years old) and a cot).
- 14 people for Chalet Orca (i.e. 12 adults, 2 children (under 14 years old) and the possibility of adding a cot).
Aimed at the particular conditions of the rental contract. The number of occupants must in no case exceed the maximum capacity.
In the event of unauthorised overflow, we may refuse to allow excess persons to occupy the premises.
Our two Orca & Orso Chalets are both equipped with swimming pools, each with a safety system that complies with current standards.
A user and/or explanatory manual is given to the tenant who acknowledges it.
In the event of non-payment on the due dates or failure to comply with any clause of this undertaking, and eight days after formal notice has been given but has remained unsuccessful, we may demand the immediate termination of this agreement and the lessee must leave the rented premises by simple order of the judge in chambers.
Automatic data collection and freedoms
The information collected is subject to automated or computerized processing for the implementation of this contract.
In accordance with the law of January 6, 1978, the taker has a right of access and rectification to be formulated with the owner, responsible for the treatment. The modalities of implementation will be fixed by mutual agreement.
Value of the translation
This mandate is drawn up in French and translated into English for the benefit of English-speaking clients. Despite all precautions, in the event of a discrepancy resulting from the translation, the parties agree that the French language version shall prevail.


Promotional Risk CoverageThe Promotional Strategy That Allows You to Give Away Millions
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Promotional risk coverage can be found in promotions like you see on television, hear on the radio, read in newspapers or magazines, and see online or in internet promotions. They offer the consumer a chance to win,
and when there is a winner, your company is protected against having to pay the winner. Much like you insure your car from an accident or your home from a natural disaster, you can cover your promotion against a risk associated with the liabilities of giving away large valued prize amounts. The cost of promotional risk is minimal, literally a fraction of the prize value, and is based on the promotional odds, the prize value, and the number of chances given to win the promotion - allowing you to deliver a huge incentive at a fixed cost that will never blow your budget.
Promotional risk covered promotions open up possibilities to offer larger prizes than most companies can afford, or would want to take promotional risk on. These large prizes are proven to increase registrations of online users, traffic in stores, and sales at any given time. Strategies including promotional risk coverage also build large brands through consumer loyalty. Everyone appreciates winning something, people enjoy watching others win, and everyone remembers who was offering the big prize.
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Promotional Risk Coverage • Over Redemption Coverage • Promotional Risk Mitigation


CANCELLATIONS, REFUNDS & RETURNS
If you wish to cancel your order, return any items, or receive a refund, contact email@example.com. You will receive more information where and how to return physical items. Digital item sales are final and not returnable or refundable.
Upon determining that you are entitled to a cancellation/refund pursuant to this policy, the Company will promptly issue an instruction to its payment processor to issue the refund. The Company does not control its payment processor and will not be able to expedite any refunds.


Donate to Reclaim Pride Coalition
Reclaim Pride Coalition is an all volunteer organization, and any donation goes directly to helping us achieve our goals. Our fiscal sponsor is Housing Works, a New York City based non-profit fighting the twin crises of AIDS and homelessness. All donations — whether made online or by check — are fully tax-deductible.
To donate with a credit card, please use our page on the Housing Works website.
To donate with a check, please make checks payable to Housing Works, note Reclaim Pride Coalition on the memo line, and send to
Attn: Eric Douglas
57 Willoughby Street, 2nd Fl.
Brooklyn, NY 11201
We accept cash donations at our meetings, every Wednesday at 7pm. Information about our next meeting is here.
If you would like to support us by holding a fundraiser, please email firstname.lastname@example.org.
If you can make an in-kind donation, or might be able to support us in other ways, please email email@example.com. Currently we are looking for the following:
catering for volunteers
If you have any questions about making your donation, or any suggestions for expanding our fundraising efforts, please send an email to firstname.lastname@example.org. All correspondence will be confidential.


Monica Bond is Principal of Bond Solicitors.
Monica has a unique combination of skills and experience. She is both an experienced solicitor with more than 13 years in practice and an experienced accountant with over 20 years in professional practice. In all, she has been in commerce or professional practice for over 30 years.
Monica's particular specialisms have been in Anti-Money Laundering, fraud investigations and recoveries and commercial litigation. In addition to being Principal of Bond Solicitors she is also Managing Director of Bond Associates Limited, a firm of Investigative Accountants.
The following are just a few highlights from a long and varied professional career:-
♦ Since 1988, Monica has been involved in some of the major fraud investigations that have taken place in the UK. In the 1990s she was involved in the investigations into Polly Peck, BCCI, Banco Ambrosiano and John Palmer (Goldfinger). Within her own businesses she has been involved in banking fraud investigations at GE Capital in Prague, the recovery of £5 million defrauded from an individual in a Prime Bank Instrument Fraud and a £13 million fraud on bond holders.
♦ In 1994, Monica, whilst she was Forensic Services Partner at Grant Thornton, was the author of the Accountants Digest on Money Laundering published by the Institute of Chartered Accountants. Since that time she has become a leading expert on anti-money laundering policy and procedures. She has lectured throughout the world, particularly in South America where she lectured on behalf of the US Treasury and more recently in the Middle East and Asia.
♦ In 2004, Monica conducted a risk review of procedures at the London Branch of a Spanish Bank, which resulted in putting in place their whole anti-money laundering system and developing risk models for both fraud and money laundering risks.
♦ Monica has acted as an expert witness/expert advisor in a wide variety of matters including,:-
• Court Expert Witness on the largest criminal asset confiscation case prosecuted by the DTI (2004)
• Expert advisor in Divorce case involving £20 million of disputed assets (2005-2007)
• Expert witness in an asset valuation case of UK on-shore gas fields valued at over £200m (2007)
• Expert advisor in litigation against former directors of a regulated insurance company where fraud is alleged.(2008-2009)
• Expert advisor in an intellectual property and investment fraud involving a formation agent. Legal areas covered fraud and professional negligence (2005-2008)
• Expert advisor in a procurement fraud where breach of contract was also alleged. The case culminated in criminal conviction followed by an £8.1 million recovery (2006-2009). The case is regarded as a leading case and can be viewed on this link.
♦ In the area of Commercial Litigation, Monica was responsible in 2007 for obtaining £225,000 in damages for pre-contract misrepresentations in a franchise contract. This is one illustration of many which could be given where she has achieved successful results for clients.
Professional and Academic Qualifications
♦ Solicitor of the Supreme Court (2001)
♦ Chartered Accountant in Public Practice (1992)
♦ Fellow of the Institute of Chartered Secretaries and Administrators (1979)
♦ Certified Fraud Examiner (1999)
♦ Member of the Academy of Experts (1997)
♦ Law Graduate LLB London (1984)
♦ English Graduate BA Hons (1971)


My model number is on the invoice, why is it on hold?
This means that your rebate application is temporarily on hold as the model number is not on the purchase invoice. If the model number is on the purchase invoice that has been submitted, please confirm that the correct model number was submitted. To do this please visit www.yokohamatirerebates.com and use the "Check Existing Claim" option.
If you find that the model number on the purchase invoice does not match the model number on the rebate application please contact our Yokohama Consumer Rebate Team at firstname.lastname@example.org for further assistance.


Fees and Insurance
at the San Francisco Bay Area Center for Cognitive Therapy
Our fees at the SFBACCT range from $200 to $250. Please note that we do not take payments directly from insurance companies. However, our services may be eligible for full or partial reimbursement as part of your out-of-network benefits. To facilitate out-of-network claims, we will provide you with a monthly Superbill that includes all the information necessary to submit for reimbursement to your insurance company.
To learn more about your out-of-network coverage for psychotherapy, contact your insurance company and ask the following questions:
- How much coverage is available for out-of-network providers? For example, does the insurance company reimburse the full fee or a portion of the full fee?
- What is the deductible (the amount you must pay first before you are eligible for reimbursement of fees)?
- Does the insurance company limit the total number of visits or sessions per calendar year? If yes, what is the total number of sessions per calendar year?
- Does the insurance company limit the total amount reimbursed per session? If so, ask how much they reimburse for the following CPT Codes, otherwise known as a procedure codes:
- 90791 (first evaluation or consultation appointment)
- 90834 (typical 45-minute session)
- 90837 (an extended session of 60-minutes; note that many companies will not reimburse this code).


Rising mortgage rates are starting to take their toll on the nation's homebuilders, who are more concerned about affordability heading into the all-important spring housing market as mortgage rates surge.
Builders' sales expectations for the next six months declined a steep 10 points to 70, according to the National Association of Home Builders/Wells Fargo Housing Market Index. The index doesn't often see such large monthly moves. Builders' view of current sales conditions fell 3 points to 86.
Overall, builder sentiment in the market for single-family homes dropped 2 points to 79 in March. February's read was also revised lower. Last March it stood at 82. This is the fourth straight monthly decline and the first time the index has slipped below 80 since last September, when the delta variant of Covid-19 was spreading. Anything above 50 is considered positive sentiment. Overall sentiment is still good, but there are concerns for later this year.
Dallas-Fort Worth new home sales and median prices are running at record levels, but a disrupted material supply chain and limited construction labor pool are causing it to take longer to get houses built and closed. North Texas homebuilders initiated housing starts on 14,216 units in the most recent quarter, eclipsing the third-quarter 2020 pace by 1,277 units and up 9.9% year over year, according to statistics released today by Dallas-based Residential Strategies Inc. The annual start rate, which includes the fourth quarter of 2020 through third-quarter 2021, has now climbed to 58,625 units — up 35% year over year, according to the housing market analyst.
"Even with higher prices there continues to be solid demand for new houses," said Ted Wilson, principal with Residential Strategies. "The biggest challenge for builders today is that, with limited construction labor and a disrupted material supply chain, it is taking much longer to get houses built and closed." Despite the delays, builders set a record for closings in the most recent quarter at 11,985 units, up 3.5% year-over-year. The annual closing rate stands at 45,574 units, up 13.7% year over year.
The cost and shortage of construction labor has been problematic for builders, said Cassie Gibson, Residential Strategies' senior vice president. Lumber future prices peaked in May 2021 and have subsided since, but supply chain issues persist for many other components used in housing construction, causing higher prices to persist for builders as they determine their true input costs, Gibson said.
New home demand in North Texas has soared over the last year and a half because of a shortage of existing homes and surplus of people moving to the area.
Some potential buyers are understandably skittish about making a move. A North Texas builder is hoping to assuage consumers' fears by offering a mortgage payment protection plan. Megatel Homes is agreeing to pay up to six months of mortgage payments if a new homeowner loses his or her job after the purchase. "People coming into our model homes were evading purchase now because they could lose their jobs," Megatel co-founder Zach Ipour said. "That's a concern of lot of people have that currently have a job – what if they get laid off three months down the road?" To make buyers more comfortable, Megatel is offering to cover the mortgage payments if the customer's job goes away. The program is available for houses in the company's completed inventory. He said the program, which has been quietly rolled out, has already boosted sales.
Megatel is also offering paying six months of new mortgages for health care workers and first responders.
Over 12,000 people already work in Cypress Waters – will double over the next two years
The booming Cypress Waters development northwest of Dallas adjoining Coppell has landed four more major office tenants. The 1,000 acre development at LBJ Freeway and Belt Line Road is already home to more than 12,000 office workers. "We are very excited to have four new tenants join our Cypress Waters community during this time," said Lucy Burns, Partner at developer Billingsley Company. "We have numerous other leases soon to be announced as well. We are thankful to see this type of positive momentum in times like these. Our property teams have been working tirelessly to prepare our buildings for re-entry." The newest tenants are Goosehead Insurance, Artisan Design Group, Northstar Builders Group and Robert Half. Cypress Waters is already home to companies including 7-Eleven, CorelOgic, Nokia, Brinker International, Nationstar Mortgage, Toyota Industries Finance, BT America and Constellation Brands.
The Cambridge Crossing community just west of the Dallas North Tollway will include 1,600 homes
Developers have opened the first phase of a new residential community in Dallas' far northern suburbs. The Cambridge Cos. is building the $1 billion, 639 acre Cambridge Crossing community just west of the Dallas North Tollway in Celina. The project will include about 1,600 homes plus mixed-use, office and retail. The first phase that opened up includes 330 home sites priced starting in the low 300,000s. Builders in the project include Coventry Homes, Highland Homes, Perry Homes and UnionMain Homes. Model homes in the community are already under construction. Cambridge Crossing will have a 6,700 square foot clubhouse for residents that will be built starting this summer. The community has five lakes and will have 89 acres of open space.
2019 was the best year for North Texas home starts since the Great Recession. North Texas homebuilders hit the ground running with new construction in the final months of 2019, starting almost 22% more homes than a year before. Builders began work on almost 8,900 houses in October, November and December – the strongest fourth-quarter construction total in more than a decade, according to data from Dallas-based housing analyst Residential Strategies Inc. "Lower mortgage rates energized the North Texas housing market in the second half of 2019," Residential Strategies principal Ted Wilson said in a new report. "Our builder clients reported unseasonably strong sales in the fourth quarter, many sharing that October and November were some of the strongest sales months of the year." The year-end construction blitz was enough to push D-FW home starts for the year to 35,884 units — up about 2% compared with 2018 to the highest level since the Great Recession. "Usually you get a pop in sales in the spring," Wilson said. "It was pretty dreary back then, and it wasn't until July when the rates declined [that] things started to improve. "It was a great third quarter and an even greater fourth quarter, and builders are going into the New Year with a lot of momentum."
The U.S. is short more than 2 million homes as building activity still lags.
Nationwide home mortgage rates are near record lows. Employment rates are near record highs. And demand for housing is strong in most U.S. metro areas. You'd think homebuilding would be booming. But you'd be wrong. Single-family home construction across the country and in North Texas is nowhere close to reaching the levels we saw before the Great Recession. And homebuilding is likely to lag demand through the next three years, according to a new report by Zillow.
The real estate marketing firm and Pulsenomics surveyed economists, investment strategists and real estate professionals who said that home construction will remain below historic averages through at least 2022. Zillow estimates that nationwide homebuilding has lagged by more than 2 million houses during the last decade. In the Dallas-Fort Worth area, we're short more than 40,000 homes from where we would have been if builders could have kept up with demand.
"Without new homes to meet population growth and replace an aging housing stock, homebuying is expected to move further out of reach," Zillow director of economic research Skylar Olsen said in the report. Zillow's findings are in line with what the National Association of Home Builders has been warning for the last few years — that builders can't produce enough houses.
In North Texas, the country's busiest homebuilding market, production for this cycle may have already peaked. Home starts in the area are down about 2,000 units this year from last year's peak, according to data from Residential Strategies. While homebuilding activity may catch up a bit, don't expect a D-FW building surge, Residential Strategies principal Ted Wilson said. "Even with the ultra-low mortgage rates restimulating the housing market, we are forecasting a similar flat market through 2020," Wilson said. "While the underlying demographics for D-FW remain very favorable, housing affordability continues to be the primary factor that controls for-sale housing growth." In other words, not enough North Texas buyers can afford the new homes builders are able to construct.
- Dallas Morning News, September 13, 2019
But in Texas and the South, Up 4.9%
Sales of new U.S. homes slumped 7.8% in May, as sales plunged in the pricier Northeastern and Western markets. The Commerce Department said Tuesday that new homes sold at a seasonally adjusted annual rate of 626,000 in May, down from 679,000 in April. During the first five months of the year, purchases of new homes have fallen 3.7% compared to the same period in 2018. Lower mortgage rates and a healthy job market have yet to unleash more home-buying. Sales of new homes plummeted 35.9% in the West and 17.6% in the Northeast. New-home sales rose 4.9% in the South and 6.3% in the Midwest, which are generally more affordable markets.
East-West Line thru Plano, Richardson, North Dallas, Addison, Carrollton, Coppell, Cypress Waters, DFW Airport
Completion Date – December 22, 2022
Trains every 20 minutes
The final approved DART Cotton Belt Line from Plano to DFW Airport
The Dallas Area Rapid Transit board on Tuesday approved $872 million to build its first east-west commuter rail line — the Cotton Belt — even though it doesn't have the actual cash quite yet. DART leaders met with the Build America Bureau in Washington, D.C., last week to confirm that the federal loan that will finance a 26-mile route connecting Plano, Richardson, Addison, North Dallas and DFW International Airport is expected to close Dec. 20. Within the next few weeks, DART expects to be issued a notice to move forward on the project with its design-build partner, Archer Western Herzog 4.0, which was unanimously awarded an $815 million contract Tuesday night, contingent on the federal loan. The contract will run through Dec. 28, 2022, the anticipated completion date.
It also kept the door open for the board to decide next month whether to spend an additional $90 million to $120 million to add a second track along the line, something the board listed as a preference. "We've discussed the double-track subject for a couple of years," board member Paul Wageman said. "We're going to have significant savings over what we thought the finance costs were on this." Cotton Belt was budgeted as a $1.1 billion project.
About half of the project, including the nine rail stations, is double-tracked as currently bid. Though plans are for Cotton Belt to debut as an every-30-minute service, the contract also calls for three more miles to be double-tracked. That would enable enough two-way passing opportunities to allow runs every 20 minutes. If it doesn't fully double-track the line, the board also has the option to spend $27 million to add a second track to a three-mile area of Far North Dallas, where grade levels and four bridge crossings pose a challenge.
The contract already includes $32 million in "betterments" for neighborhoods lining the route, providing for sound walls, rubber chips to minimize track vibration and other amenities. The first six to eight months, according to staff presentations, will focus on design of the project. The first signs of progress on the ground will be utility relocation and foundation work for bridges.
The Cotton Belt will also connect to DART's existing light rail system at stops in Carrollton, Plano and Richardson. But it will be a commuter rail line, similar to the Trinity River Express, which DART co-owns with Fort Worth's Trinity Metro and connects downtown Dallas and Fort Worth.
The massive $1.1 Billion DART Cotton Belt Line is scheduled to start construction in less than one year with a completion and operational date of December 2022. The line will begin on Shiloh Road in Plano and travel through Plano, Richardson, Addison, Carrollton, Dallas, Coppell and Grapevine, with its final destination at DFW International Airport. Along the way it will reach hundreds of thousands of workers in various office parks and connect with the Red Line, the Green Line and reach DFW Airport and the Orange Line. Some of the major features and changes.
The next and nearing the final DART hearing for resident input on the Cotton Belt is March 27th, 6:30 pm, at DART headquarters downtown. After that there will be a 45-day period for public input after the federal government releases its final environmental study. From there, the plans are set and DART will move to construction.


It’s tax time again and people working in our industry may have special deductions and reporting requirements. The good folks at the Canadian Revenue Agency have prepared this helpful document to assist hairstylists and Salon owners as they prepare their 2014 tax returns.
(Please remember we’re sharing this info but we at the OHSA are not tax experts. Please refer any questions to your accountant or the Canadian Revenue Agency.)
Getting your taxes done is as easy as wash, rinse, repeat!
The faux hawk, the pixie cut, and the blunt bob—as a hairstylist, you need to know how to do it all, while maintaining high standards and staying on-trend with the latest techniques and the newest products. You’ve built up your reputation and developed an impressive clientele (who you inadvertently play occasional therapist to—no extra charge for listening like an understanding friend). You’re on your feet all day and your work schedule is demanding; but you love it because making people look great is your calling! You have style savvy, but do you have the know-how to claim your expenses and tax credits?
Whether you are paid a salary or paid by commission, you are considered an employee if you are on the salon’s payroll. As an employee, you may be able to deduct the cost of supplies you bought (like your go-to finishing spray), as long as you need it for work. To find out more about deducting employment expenses, go to www.cra.gc.ca/employmentexpenses.
You may also be able to deduct the cost of eligible tools (including that new straightening iron all your clients are raving about!) under the tradesperson’s tools deduction, a non-refundable tax credit of up to $500. You will need your employer to certify the tools were bought by you, for you, to be used directly in your work, to claim the deduction. For more information on deducting the cost of eligible tools, go to www.cra.gc.ca/trades.
As a hairstylist, part of your income comes from tips and gratuities. Clarify with your employer whether any or all of the tips you earn will be included on your T4 slip. Even if your T4 slip does not show your income from tips, it is your responsibility to keep track of these earnings and report them on line 104 of your income tax and benefit return.
Self-employment in the industry can mean different things: renting a chair, providing mobile on-site services, working from home, or owning your own salon. Generally, you can deduct any reasonable business expense you incurred or will have to pay to earn business income, such as chair rental fees or supplies and equipment like hair colour, blow dryers, and scissors. If the salon is in your home, a proportionate amount of your household expenses, such as heating and insurance, can also be deducted. For more information, go to www.cra.gc.ca/selfemployed, and select “Business expenses.”
In addition, if your business hires an eligible Red Seal apprentice hairstylist, you may qualify to claim the apprenticeship job creation tax credit. This non-refundable investment tax credit is equal to the lesser of $2,000 or 10% of the eligible apprentice salaries or wages. Don’t need to apply the whole credit amount this year? Carry it back three years or carry it forward for up to 20 years! For more information on the apprenticeship job creation tax credit and other investment tax credits, visit www.cra.gc.ca/smallbusiness and select “Investment tax credit.” For information on the 57 designated Red Seal trades, including hairstylists, visit www.red-seal.ca.
Part of owning a salon also means ensuring the proper employee contributions, premiums, and tax amounts are properly deducted and remitted to the Canada Revenue Agency (CRA), along with your own employer contributions and premiums. You will find more information on this topic at www.cra.gc.ca/payroll, by searching the payroll topics alphabetically for “Barbers and hairdressers.” Also take a look at the proposed Small Business Job Credit which helps small businesses by lowering their Employment Insurance (EI) premiums. More information can be found at www.cra.gc.ca.
The deadline to file your personal income tax and benefit return is April 30, 2015. If you, your spouse, or common-law partner is self-employed, the deadline to file is June 15, 2015. BUT, if you’re self-employed and have a balance owing for 2014, you still have to pay it on or before April 30, 2015.
Filing electronically with NETFILE is easy, secure, and lets the CRA process your return much quicker. If you’re entitled to a refund, you can enjoy your money in as little as eight business days, by combining online filing with direct deposit—”shear” genius! For a list of software and web service options, including those that are free of charge, go to www.netfile.gc.ca/software.
While you are visiting the CRA’s website, be sure to sign up for My Account. You’ll be able to track the progress of your refund, make a payment, change your address, check your benefit and credit payments and your registered retirement savings plan limit, set up direct deposit, and so much more!
To take advantage of this and other CRA electronic services go to www.cra.gc.ca/electronicservices to learn more.
Don’t miss the latest CRA news or tax tips on Twitter @CanRevAgency


Top Technology Stocks – Top Tech Stocks to Watch for April 2019
The technology sector features stocks related to developing and distributing technologically based goods and services. This sector contains businesses that manufacture electronics, create software, and provide computers or products and services relating to information technology. The Top Tech Stocks to watch often drive overall market activity.
The Information Technology Sector is central to the nation’s security, economy, and public health and safety. Businesses, governments, academia, and private citizens are increasingly dependent upon Information Technology Sector functions. These functions include hardware, software, and information technology systems and services. Below are Top Tech Stocks to watch in April and May 2019…
What are FANG Stocks?
FANG is the acronym for four technology stocks – Facebook, Amazon, Netflix and Google (now Alphabet, Inc.). These four stocks are high performing and very popular since CNBC’s Mad Money host Jim Cramer first used the term in February 2013:
“Put money to work in the companies that represent the future. Put money to work in companies that are totally dominant in their markets, and put money to work in stocks that have serious momentum.” Jim Cramer, CNBC Mad Money
The group of FANG stocks are top tech stocks to watch and follow. FANG stocks cannot be ignored when considering an investment in the technology sector. Each of the FANG stocks are large cap stocks that focus on technology and internet services. They are also considered growth stocks due to the continued emergence of technological devices like cloud storage devices, big data, e-commerce tools and social media. Most prominent hedge fund managers have FANGs in their portfolios. The stocks were included as growth and momentum stocks by reputable funds like Berkshire, Soros, Renaissance and Citadel in the first quarter of 2017.
FANG stocks reached record valuations during the Bull Run in 2018. Amazon became a trillion dollar company and Alphabet’s shares reached a record high of $1,238.50 during the third week of August. In the third week of June. Netflix saw a high of $411.09 in its stock price and Facebook reached a record of $209.94 in its stock price a month later.
But valuations for all four companies were among those hardest hit during a November market crash. Facebook and Google are caught up in regulatory and privacy problems while Amazon reported an earnings miss in the first quarter of 2019. Netflix increased the number of subscribers on its platform but that increase came at a cost to its overall earnings.
What are FAANG Stocks?
When Jim Cramer coined the term FANG in February of 2013, he did not include Apple Inc. Apple has since been added to the group and the acronym has been modified from FANG to FAANG. Here are the five tech stocks to watch that make up the FAANG Group:
#1 Facebook (FB) – Top Tech Stocks to Watch:
Facebook, Inc. (FB) is an online social media and social networking service company founded in 2004. The company’s primary business is the social network of the same name which currently lists more than two billion active users around the world.
The company incorporated on July 29, 2004, is focused on building products that enable people to connect and share through mobile devices, personal computers and other surfaces. Facebook enables people to discover and learn about what is going on in the world around them. People can share their opinions, ideas, photos and videos, and other activities with audiences ranging from their friends to the public. Users can then stay connected by accessing more of the company’s products. The Company’s products include Facebook, Instagram, Messenger, WhatsApp and Oculus. Facebook also engages in selling advertising placements to marketers. Its advertisements let marketers reach people based on a range of factors, including age, gender, location, interests and behaviors. Marketers purchase advertisements that can appear in multiple places, including on Facebook, Instagram, and third-party applications and Websites.
#2 Amazon Inc (AMZN) – Top Tech Stocks to Watch:
Amazon is a diversified technology company operating in e-commerce, consumer electronics, and cloud computing industries. The company was founded in 1994 as an online bookstore. Now, Amazon is the largest e-commerce retailer in terms of market capitalization. The company owns several subsidiaries, including Twitch (live streaming platform) and Whole Foods Market (chain of supermarkets).
Amazon.com, Inc. incorporated on May 28, 1996. The company offers a range of products and services through its Websites. Amazon operates through three segments: North America, International and Amazon Web Services (AWS). The Company’s products include merchandise and content that it purchases for resale from vendors and those offered by third-party sellers. It also manufactures and sells electronic devices – Kindle devices are a notable example. Amazon Inc, through its subsidiary, Whole Foods Market, Inc., offers healthy and organic food and staples across its stores. The Company also offers a range of products that target responsible agriculture like whole trade bananas, organic large brown eggs, responsibly-farmed salmon and tilapia, organic fruits and vegetables,and animal-welfare-rated beef and meat products.
#3 Apple Inc. (AAPL) – Top Tech Stocks to Watch:
Apple Inc is a technology company involved in the design and manufacturing of consumer electronics and computer software, as well as a provider of online services. Founded in 1976, Apple is the oldest company in the FAANG stocks group. Apple was initially successful in producing computers, laptops, and computer software. But, real breakthrough for the company occurred after 2007 with the introduction of its new mobile devices such as the iPhone and iPad. Today, Apple is the largest IT company in the world. On August 2, 2018, it became the first U.S. company with a market capitalization of over $1 trillion. Presently, Apple is the most profitable company in the FAANG stocks group.
Apple Inc. incorporated on January 3, 1977. The company designs, manufactures and markets mobile communication and media devices, personal computers and portable digital music players. The Company sells a range of related software, services, accessories, networking solutions and third-party digital content and applications. Apple’s’s segments include the Americas, Europe, Greater China, Japan and Rest of Asia Pacific. The Company sells and delivers digital content and applications through the iTunes Store, App Store, Mac App Store, television APP Store, iBooks Store and Apple Music (collectively Internet Services). Apple Inc sells its products through its retail stores, online stores and direct sales force through third-party cellular network carriers, wholesalers, retailers and value-added resellers. The Company sells a range of third-party Apple compatible products, including application software and accessories through its retail and online stores. Apple Inc sells to consumers, small and mid-sized businesses and education, enterprise and government customers.
#4 Netflix Inc. (NFLX) – Top Tech Stocks to Watch:
Netflix is a media provider that delivers subscription-based online streaming of films and TV shows. Recently, the company entered the content production industry, producing its own movies and TV shows. Founded in 1997, Netflix is the smallest company in the FAANG stocks group in terms of market capitalization (around $150 billion), revenues ($11 billion), and net income (above $550 million)
Netflix, Inc., incorporated on August 29, 1997, is a provider an Internet television network. The Company operates through three segments: Domestic streaming, International streaming and Domestic DVD. The Domestic streaming segment includes services that streams content to its members in the United States. The International streaming segment includes services that streams content to its members outside the United States. The Domestic DVD segment includes services, such as digital optical disc (DVD)-by-mail.
The Company’s members can watch original series, documentaries, feature films, as well as television shows and movies directly on their Internet-connected screen, televisions, computers and mobile devices. Netflix offers its streaming services both domestically and internationally. In the United States, its members can receive DVDs delivered to their homes. The Company has members streaming in over 190 countries.
#5 Google (Alphabet) – Top Tech Stocks to Watch:
Alphabet Inc. is the parent company of Google. The company owns two classes of shares traded publicly. Class A shares (Ticker: GOOGL) provide the owner with voting rights, while class C shares (Ticker: GOOG) do not provide any voting rights. Google LLC is the largest subsidiary of Alphabet. It is a well-diversified company that provides various online services and designs and manufactures consumer electronics and software. Google offers a wide variety of online services, including a search engine of the same name, email services (Gmail), office software (Google Docs, Sheets, and Slides), video streaming service (YouTube), etc. In addition, the company developed a mobile operating system called Android that is installed in the majority of today’s smartphones. The company also produces consumer electronics such as laptop Chromebook, smartphone Pixel, and Google Home voice assistant.
Alphabet Inc., incorporated on July 23, 2015, is a holding company. The Company’s businesses include Google Inc. (Google) and its Internet products, such as Access, Calico, CapitalG, GV, Nest, Verily, Waymo and X. The Company’s segments include Google and Other Bets. The Google segment includes its Internet products, such as Search, Ads, Commerce, Maps, YouTube, Google Cloud, Android, Chrome and Google Play, as well as its hardware initiatives. The Google segment is engaged in advertising, sales of digital content, applications and cloud offerings, and sales of hardware products. The Other Bets segment is engaged in the sales of Internet and television services through Google Fiber, sales of Nest products and services, and licensing and research and development (R&D) services through Verily.
Google is engaged in investing in infrastructure, data management, analytics and artificial intelligence (AI). The Company offers Google Assistant, which allows users to type or talk with Google in a natural conversational way to help them get things done; Google Maps, which helps users navigate to a store while showing them current traffic conditions, and Google Photos, which helps users store and organize all of their photos. The Company invests in platforms, such as Chrome browser, Android mobile operating system, Chrome operating system and Daydream virtual reality platform, as well as its hardware devices, such as the Pixel phone and Google Home.
The Company provides advertisers with tools that help them attribute and measure their advertising campaigns across screens. Its advertising solutions help a range of companies grow their businesses, and it offers a range of products across screens and devices. For performance advertisers, AdWords, its primary auction-based advertising program, helps create text-based advertisements that appear on Google properties and the properties of Google Network Members. In addition, Google Network Members use its AdSense program to display relevant advertisements on their properties, generating revenues when site visitors view or click on the advertisements. The Company also offers advertisement technology platform for brand advertisers, agencies, and publishers to help their digital marketing businesses.
Technology Stocks List for April 2019:
NXP Semiconductors (NXPI)
NXP provides high performance mixed signal and standard product solutions for automotive, personal security and identification, wireless and wireline infrastructure, mobile communications, multi-market industrial, consumer and computing. NXP’s chips are industry leaders in areas like connected cars, the iternet of things and cybersecurity. NXPI stock reached $125 per share in 2018 as Qualcomm (QCOM) was slated to acquire the company. After China failed to approve Qualcomm’s bid, NXPI shares plunged. Regardless, there’s something to be said for a company with a stranglehold on high-growth markets trading at just 13 times earnings, and that makes NXPI one of the best tech stocks to buy for 2019.
StoneCo is a young, relatively small Brazilian financial tech company fresh off an initial public offering. StoneCo’s early backers include Berkshire Hathaway (BRK.A, BRK.B), Alibaba’s Ant Financial, 3G Capital and the Walton heirs. That’s a pretty impressive list of initial capital investors. StoneCo provides point-of-sale hardware, software and digital payments solutions to merchants. Growth is dramatic, with revenue soaring 92 percent and adjusted profits surging 425 percent in the first half of 2018.
Adobe is the leading provider of creative software. It has regularly been one of the best large-cap growth stocks for the past decade. It still registers as one of the best tech stocks to buy for 2019. Revenue is up 24 percent and profits are up 61 percent in the first nine months of 2018. Adobe’s most convincing advantage is its massive moat: a suite of creative software – including Photoshop, Illustrator, Premiere, InDesign, Dreamweaver and others. It has a cloud-based subscription business model driving a strong stream of recurring revenue.
IQiyi is China’s leading video-streaming platform. IQ is seeing rapid growth, with revenue rising almost 50% and a subscriber base approaching 100 million. Ninety-eight percent of users are paying subscribers, with consumers flocking to iQiyi’s for its self-produced content. IQ is still unprofitable, focusing heavily on content investments to grow market share. Majority owner Baidu can well afford to fund IQ’s strategic growth as iQiyi’s expansion continues into 2019.
Symantec Corporation (SYMC)
Symantec is a global provider of cybersecurity products, services and solutions. The company was founded in the early ’80s and has a market cap of $13.95 billion. It operates through two divisions: consumer digital safety and enterprise security. It owns the popular anti-virus brand Norton. Symantec’s enterprise business contributes most of the company’s revenue, while the consumer segment drives the most profit.
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When you hire a securities and investment firm to handle your investments and savings, you have a reasonable expectation that the company or individual will act in good faith to protect your money and deliver the service that you signed up for. The actions of a dishonest investment adviser or stockbroker can be enough to cause irreparable harm to your investments, your financial security, and your future. As devastating as it can be when your investments take a hit, it is important to remember that investors are protected under a range of state and federal trade laws. As such, there is a good chance you will be able to take legal action against whoever is found to be responsible for the illegal or unethical actions that culminated in your losses.
At Williams Hart, our Houston securities litigation attorneys understand just how much may be riding on the outcome of this claim, and we can develop an aggressive legal strategy to help you pursue litigation against the responsible party. Though the prospect of taking legal action against a well-financed securities company may seem daunting, our attorneys have the experience and resources you need to aggressively pursue compensation for your losses.
Unfortunately, there is a veritable laundry list of illegal and unethical actions by which securities and investment companies and individual brokers have been known to lose their investors’ holdings. That being said, our legal team is prepared to pursue a line of litigation against any company or individual whose unethical or illegal actions have adversely affected your investments, including but not limited to cases alleging the following:
Whatever the particulars of your situation happen to be, our attorneys can help you understand all of the legal avenues by which you may be able to take action against the securities company or broker responsible for your losses.
If your financial holdings have been affected by the illegal or otherwise unethical actions of a securities company or individual broker, you should reach out to an attorney immediately. To speak with a Houston securities litigation lawyer from Williams Hart about the economic damages associated with your case and what we can do to help you pursue financial recovery, please call our offices at (713) 230-2200 today.


Studying accounting abroad can be a great way to broaden your horizons and hone your skills in the field. For foreign students looking for a career in accounting, Australia and Canada are two of the top destinations.
In this article, we will discuss the opportunities available for foreign students who wish to study accounting in Australia and Canada. We will explore the accounting courses offered, the eligibility requirements for admission, and the average tuition fees. Additionally, we will delve into the career prospects for accounting graduates in these countries, including the demand for accountants in the job market and the average salaries for fresh graduates. Finally, we will discuss the eligibility requirements for permanent residency for accountants and some tips for accounting students to help them succeed in their careers.
Accounting Courses in Australia and Canada
If you’re a foreign student looking to pursue a career in accounting, Australia and Canada are great options to consider. Both countries offer a range of accounting courses that cater to the diverse needs of students, from foundational courses to advanced programs.
1. Duration of Accounting Courses in Australia and Canada
The duration of accounting courses in Australia and Canada varies depending on the level of the course. Typically, a bachelor’s degree in accounting takes three to four years to complete, while a master’s degree takes one to two years. However, some universities offer accelerated programs that allow students to complete their degrees in a shorter period.
2. Average Tuition Fees for Accounting Courses in Australia and Canada
The tuition fees for accounting courses in Australia and Canada depend on many factors, such as the level of the course, the institution, and the location. On average, the tuition fees for a bachelor’s degree in accounting in Australia range from AUD 25,000 to AUD 40,000 per year, while in Canada, the fees range from CAD 20,000 to CAD 50,000 per year. For a master’s degree in accounting in Australia, the fees range from AUD 30,000 to AUD 50,000 per year, while in Canada, the fees range from CAD 30,000 to CAD 60,000 per year.
3. Eligibility for Admission into Accounting Courses in Australia and Canada
To be eligible for admission into an accounting course in Australia or Canada, you must meet the minimum requirements set by the institution. Typically, you need to have completed secondary education or an equivalent and meet the English language proficiency requirement. In Australia, students need to pass the International English Language Testing System (IELTS) with an overall score of 6.5 or higher. In Canada, students need to take either IELTS or the Canadian English Language Proficiency Index Program (CELPIP).
4. IELTS Requirements for Accounting Courses in Australia and Canada
The IELTS requirement for accounting courses in Australia and Canada varies from institution to institution. It’s important to check the IELTS score requirement before applying to an accounting course. For example, the University of Melbourne, one of the top universities in Australia, requires an overall score of 6.5 for its Master of Accounting course, while the University of Toronto, one of the top universities in Canada, requires a minimum score of 7.0 for its Master of Management and Professional Accounting course.
5. Admission Sessions for Accounting Courses in Australia and Canada
Most universities in Australia and Canada have two admission sessions per year – Semester 1 and Semester 2. Semester 1 intake starts in February/March, while the Semester 2 intake starts in July/August. Some universities also offer a Summer or Winter intake, which is a shorter semester that starts in November/December or May/June, respectively.
If you’re considering studying accounting in Australia or Canada, it’s important to research the courses available and the admission requirements and procedures. You can visit the websites of the universities that interest you to get more information on the accounting courses, the eligibility requirements, and the tuition fees.
Career Prospects for Accountants in Australia and Canada
When it comes to career prospects for accountants, Australia and Canada are great options for foreign students. Both countries have a strong economy and a stable job market, making them ideal for accounting graduates.
1. Average Salary of Fresh Accounting Graduates in Australia and Canada
The average salary of fresh accounting graduates in Australia and Canada varies depending on several factors, such as the level of education, experience, and location. In Australia, the average salary for a graduate accountant is around $55,000 to $75,000 per year, while in Canada, it ranges from $50,000 to $80,000 per year.
It’s worth noting that the salary can increase significantly with experience and additional qualifications. For example, in Australia, a certified public accountant (CPA) can earn an average salary of AUD 60,000 to AUD 110,000 per year, while a CPA in Canada can earn an average salary of CAD 45,000 to CAD 100,000 per year.
2. Demand in the Job Market for Accountants in Australia and Canada
The demand for accountants in the job market in Australia and Canada is high and expected to remain so in the coming years. In Australia, the job outlook for accountants is positive, with a projected growth rate of 9.2% in the next five years, according to the Australian Government’s Job Outlook website. In Canada, the demand for accountants is also high, with a projected growth rate of 5.8% in the next five years, according to the Government of Canada’s Job Bank website.
3. Job Opportunities for Accounting Graduates in Australia and Canada
Accounting graduates in Australia and Canada have a wide range of job opportunities available to them. Some of the common job roles for accounting graduates include:
- Financial Accountant
- Management Accountant
- Tax Accountant
- Financial Analyst
- Budget Analyst
There are also opportunities to work in various industries, such as banking, insurance, government, and non-profit organizations.
Permanent Residency after Studying Accounting in Australia and Canada
If you’re a foreign student pursuing accounting courses in Australia or Canada, you may be interested in obtaining permanent residency in these countries. Permanent residency allows you to live and work in Australia or Canada indefinitely, and it can lead to citizenship after a certain period.
1. Eligibility Requirements for Permanent Residency in Accounting in Australia
To be eligible for permanent residency in accounting in Australia, you need to meet the following requirements:
- Have completed a degree or diploma in accounting or a related field from a recognized Australian institution.
- Have at least two years of work experience in accounting or a related field.
- Meet the English language proficiency requirement.
- Score at least 65 points on the points test.
The points test is a system used by the Australian government to assess the eligibility of skilled workers for permanent residency. Points are awarded based on factors such as age, English language proficiency, work experience, and education. You can use the points calculator on the Department of Home Affairs website to check how many points you’re eligible for.
If you’re 25 years old, have a bachelor’s degree in accounting, have three years of work experience in accounting, and score 7.0 on the IELTS, you’ll score 75 points in the points test, which makes you eligible for permanent residency in Australia.
2. Eligibility Requirements for Permanent Residency in Accounting in Canada
To be eligible for permanent residency in accounting in Canada, you need to meet the following requirements:
- Have completed a degree or diploma in accounting or a related field from a recognized Canadian institution.
- Have at least one year of work experience in accounting or a related field.
- Meet the English or French language proficiency requirement.
- Score at least 67 points in the Express Entry system.
The Express Entry system is a system used by the Canadian government to manage applications for permanent residency from skilled workers. Points are awarded based on factors such as age, education, work experience, language proficiency, and adaptability. You can use the Come to Canada tool on the Government of Canada website to check your eligibility for the Express Entry system.
If you’re 30 years old, have a master’s degree in accounting, have two years of work experience in accounting, and score 7.5 on the IELTS, you’ll score 473 points in the Express Entry system, which makes you eligible for permanent residency in Canada.
3. Tips for Succeeding in Your Permanent Residency Application
- Start early: The process of applying for permanent residency can take several months, so it’s important to start early and gather all the required documents in advance.
- Follow instructions: Make sure you read and follow the instructions carefully when filling out your application form. Any errors or omissions can lead to delays or even rejection.
- Provide evidence: You need to provide evidence to support your claims of education, work experience, language proficiency, and other factors. Make sure you provide all the required documents and that they’re authentic and verifiable.
- Seek professional help: If you’re unsure about any aspect of the application process, seek professional help from a registered migration agent or lawyer. They can guide you through the process and help you avoid common mistakes.
- Be patient: The process of obtaining permanent residency can be long and stressful, but it’s important to be patient and persistent. Keep track of your application status and follow up if necessary.
Tips for Accounting Career in Australia and Canada
Studying accounting in Australia and Canada can be a great way to kick-start your accounting career. However, landing a job in the field can be competitive. Therefore, it is essential to have a solid plan and strategy to set yourself apart from the competition. Below are some tips to help you succeed in your accounting career in Australia and Canada.
1. Build a Strong Network
Networking is crucial to building a successful accounting career in Australia and Canada. Connect with other accounting professionals, attend industry events, and join accounting associations to expand your network. A strong network can provide you with job opportunities, references, and valuable insights into the industry.
2. Gain Work Experience
Work experience is valuable when it comes to finding a job in accounting. Consider internships, co-op programs, or part-time work to gain practical experience in the field. This experience can help you stand out to potential employers and give you a better understanding of accounting in practice.
3. Stay Up-to-Date with Industry Trends
The accounting industry is constantly evolving, and it’s crucial to stay up-to-date with the latest trends and changes. Subscribe to industry publications, attend conferences, and join online forums to keep yourself informed. This knowledge can help you identify new job opportunities and improve your skills in the field.
4. Consider Pursuing Professional Certifications
Professional certifications can enhance your accounting career in Australia and Canada. Consider pursuing certifications such as the Chartered Professional Accountant (CPA) designation, which is recognized by employers across the country. These certifications can also help you achieve permanent residency in accounting in Australia or Canada.
5. Develop Soft Skills
In addition to technical skills, soft skills such as communication, teamwork, and problem-solving are crucial for success in the accounting field. Develop these skills by volunteering, participating in extracurricular activities, or taking courses in leadership and communication.
For instance, if you’re an international student studying accounting in Canada, participating in extracurricular activities such as student clubs or volunteering can help you develop soft skills and make connections with other students and professionals in the field.
6. Create a Strong Resume and Cover Letter
Your resume and cover letter are your first impression with potential employers. Make sure they are well-written, error-free, and tailored to the job you’re applying for. Highlight your relevant skills and experience, and include any certifications or awards you have received.
For example, when applying for a job in accounting in Australia, make sure to highlight your experience and education in Australian accounting standards and practices.
7. Leverage Technology
Technology plays an increasingly important role in the accounting industry. Stay up-to-date with the latest accounting software and tools to improve your efficiency and effectiveness in the field. Knowledge of these technologies can also help you stand out to potential employers.
Take online courses or tutorials to learn how to use popular accounting software such as QuickBooks, Xero, or Sage.
Studying accounting in Australia and Canada as a foreign student can be a lucrative opportunity. Both countries offer a range of accounting courses that cater to the diverse needs of students. Accounting graduates in these countries have excellent career prospects, with high demand for accountants in the job market and attractive salaries. Additionally, foreign students who wish to stay in Australia or Canada permanently can explore the eligibility requirements for accounting permanent residency. Overall, pursuing accounting courses in Australia and Canada can be a great way for foreign students to kick-start their accounting careers.
DISCLAIMER: Please note that the information provided on this website is for general understanding only and should not be considered as legal advice. Every pages of the website is not updated every day. It is recommended to consult with our lawyers for latest information.