«We are a team of professionals specializing in business law and insolvency management. Relying on our experience, attention to detail and fresh insight, we offer sensible, informed solutions that enable favourable outcomes to be achieved.
We prefer to resolve conflicts by negotiation wherever possible. If a dispute cannot be avoided, we quickly get down to business with dedication and commitment, following the dictum the law aids the vigilant.»
Managing Director of the company. Employment history includes significant experience with the Russian tax authorities and international law firms. Graduated from the Faculty of Law of Lomonosov Moscow State University in 2001.
Over 10 years' experience in the field of bankruptcy, including with the tax authorities and at major foreign banks. Bankruptcy administrator, registration number 17654.
Employment history includes significant experience with the Russian tax authorities, state arbitration (commercial) court and federal bailiffs service. Holder of degrees in law, economics and medicine.
Graduated from the International Law Faculty of MGIMO University (honors degree). Speaks English and Spanish. Previous experience includes work at an international organization focused on promotion and protection of human rights.
Graduated from Kutafin Moscow State Law University with honors.
Support company’s activities in the field of wholesale and retail goods. Optimal structuring of contractual relations between suppliers and buyers (including distributors and franchisees). Counseling and representation of producers and sellers in the pre-trial stage and in courts regarding consumer rights enforcement.
Counseling on tax administration issues, including those during various tax monitoring interventions (in particular, field tax inspection), representing taxpayers during appeal of tax authorities’ decisions made on the basis of inspection results and/or in connection with compulsory tax debts collection measures.
Support financial recovery of the enterprises, prepare and approve settlement agreements between the debtors and creditors. Counseling and representing interests of the client participating in the bankruptcy case (bankruptcy creditor, the debtor, his controller) at different stages of bankruptcy process, including those connected with cross-border (international) bankruptcy.
Legal support in land plots and buildings sale and acquisitions, and long-term lease transactions. Advising on complex real estate deals and legal representation in disputes over title to real estate. Cadastral value appealing.
Advising on the regulatory impact of draft laws and subordinate legislation, preparing, and presenting corresponding opinions on behalf of entrepreneurs and commercial companies. Participating in expert groups and commissions, business councils and industry committees on behalf of business representatives with the aim of bringing about fair and balanced administrative and legal regulation of the activities of industry participants in specific sectors of the Russian economy.
Advising and representing clients on family and inheritance law matters at both the pre‑trial and trial stages, including:
— marriage: divorce; discovery and division of matrimonial assets (including joint businesses); establishment of spousal maintenance obligations;
— marriage contracts: legal support of the conclusion, fulfilment, amendment, termination, and invalidation of marriage contracts;
-inheritance: advising on intestate succession and testamentary succession; legal support of the conclusion, fulfilment, amendment, termination, and invalidation of inheritance contracts; inheritance fund – advising on and legal support of the formation and management of inheritance funds; establishment of kinship and other facts of legal significance; reinstatement of the time period for acceptance of inheritances.
Advising on any issues of applying employment and migration law on behalf of entrepreneurs and commercial companies; advising on the optimization and restructuring of personnel; developing and assisting in downsizing procedures and mass redundancy programs; legal support for employers in settling individual and collective employment disputes.
Advising clients on amendments to the constituent and corporate documents of organizations. Structuring and full support of transactions on sale and purchase of shares and participatory interest in authorized capitals of corporations, including due diligence of acquired businesses. Drawing up an algorithm of actions in case of intention of participants of organizations to conduct an audit of organizations.
Holding general meetings of participants and shareholders of companies, full legal support of the procedure.


Another day, another information breach. Ho hum, right? No. This one is different. Equifax estimates that identifying information for 143 million people has been hacked from their website. Chances are, it includes you. Even if you went to their website and it says it didn’t affect you, it’s time to start taking steps to protect yourself.
In the past, we have advised you to freeze your credit if your identity was stolen. This time, the information that was stolen is enough that a person could unlock your credit without you knowing. Those of us with frozen credit aren’t in the habit of checking it, so they could do a lot of damage before you find out.
You can notify one credit bureau that you want a fraud alert placed on your account, and they will notify the others. Here is where to go for Transunion. https://www.transunion.com/fraud-victim-resource/place-fraud-alert Here is the site for Experian. https://www.experian.com/fraud/center.html We’ll just figure Equifax has done enough damage already and leave them off the list. Put a reminder on your calendar to do new fraud alerts every 90 days.
I still suggest that you get a free credit report here https://www.annualcreditreport.com/index.action. You can get one from each of the three credit bureaus every year. So get one today from one, get one in four months from another, and get another from the third four months after that. You won’t have to pay anything, and you’ll be monitoring your credit on a consistent basis.
If you want to pay someone to do this for you, this is what companies like Lifelock are for.
Go here https://www.irs.gov/individuals/get-transcript and create an account for yourself. Make a note in a safe place of the information you used and your password. This will stop someone from going in to the IRS records, getting your tax returns and doing mischief with them.
Finally, I have set up my bank account so that I receive an alert anytime money is taken out of my checking or savings account, or a charge is made on my credit card. This was very easy to do online.
It’s important to note that you need to be vigilant about all this forever. Equifax is offering credit monitoring for only one year. My identity was stolen four years ago, and I still get notices every few months that someone is trying to open credit in my name. Once your information is out there, you can’t get it back.
Irritated that you are caught in this web? Welcome to the club. If you visited the Equifax site and it says that you weren’t affected, don’t heave too big a sigh of relief, it’s only a matter of time. Once you’ve taken the steps above, get another coffee and write an email to your Congressperson letting them know your opinion of the current system. These credit bureaus collect amazing amounts of information about us, we have no control over what they do with it, and now it turns out they didn’t keep it secure. It’s not like we can go out and get a new social security number. It’s time for Congress to take a look at this issue and make some rules to protect us. Here’s where you can go to find an email address for your member of Congress. https://www.house.gov/representatives/find/ And here’s where you can find contact information for your senators. https://www.senate.gov/general/contact_information/senators_cfm.cfm?OrderBy=state&Sort=ASC
As always, feel free to call us if you have any questions!


On November 4, 2008, Minnesota voters approved the Clean Water, Land & Legacy Amendment to the constitution to:
The Amendment increases the sales and use tax rate by three-eighths of one percent on taxable sales, starting July 1, 2009, continuing through 2034. Those dollars are dedicated to four funds: Outdoor Heritage Fund, Clean Water Fund, Parks and Trails Fund, and Arts and Cultural Heritage Fund.
Click here for more information: http://www.legacy.leg.mn/
Wabasha SWCD has received funding from the Clean Water Land & Legacy Fund to help support the overall goal of the amendment.


Right now, power is flowing invisibly throughout your building. Every time a refrigeration unit powers up or a bank of lights is switched on, a silent withdrawal of sorts is taken from your business’ bank account.
Likely, this electricity is costing you thousands, if not tens of thousands of dollars each month.
A huge expense item on your financial statement that few are paying attention to.
Element47 is your comprehensive solution to that problem. We are unique in our capabilities. No one else can deliver these kinds of solutions.
We give you the tools to monitor, control and reduce your energy costs. We can even help you capture and utilize your building’s solar energy potential, with no upfront cost to you.
Like a pair of X-ray glasses, our advanced metering technology can show you exactly how much energy your facility is using and where it is being used. Not next month, or next week, but minute by minute, in real-time.
Once at the controls of our client interface, you are no longer a passive observer. Like an Energy Loss Prevention Department, you are now the master of your facility’s energy usageand have customized, actionable data at your fingertips. If a rooftop AC unit is powered on, you will see it. 24 hours a day.
Information without action is useless. That is why we partner with you and your company to identify opportunities for usage reduction, improvements in efficiency, and more aggressive, competitive pricing from the power providers. Through our industry expertise and leverage, we will secure the most aggressive energy rates and the best service available to anyone in your market.
Through our Solar Power Purchase Agreements, we will install the necessary equipment to capture your building’s solar energy potential at zero cost to you. Then, simply purchase the generated power from us at a fraction of normal utility rates. At the end of the agreed term, the equipment is yours.


This optional coverage is available for the primary insured person only. This coverage is in addition to the $100,000 Accidental Death and Dismemberment included in the Sky Rescue plan. Coverage must be purchased for a minimum of three months.
| ||3 months ||6 months ||12 months |
|Up to $100,000 additional coverage ||$38 ||$48 ||$60 |
|Up to $200,000 additional coverage ||$76 ||$96 ||$120 |
|Up to $300,000 additional coverage ||$114 ||$144 ||$180 |
|Up to $400,000 additional coverage ||$152 ||$192 ||$240 |
* This Web page contains only a brief summary of current benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants. These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request.


A completed and signed registration form and fee of £100 is required to book a place at MEYC. The Registration Fee is NON REFUNDABLE.
ALL fees are invoiced on a monthly basis, (during the first week of each month). Payment is due on receipt of invoice before day 7 of each month in advance of each monthly period. Fees are reviewed annually.
Any invoices that are not paid during the first week of each month will incur an automatic penalty charge of 10%. In rare cases where the services of a debt collector becomes necessary, a statutory charge of £100 will be added to cover costs.
Fees may be paid by a monthly standing order, online payment, cheque, cash or Credit/Debit cards via the Office.
Additional hours/sessions at the Centre may be arranged at any time with the office staff and can be taken up immediately if space is available. The extra time will be charged separately, and payment is due on receipt of the adjusted or new invoice.
Parents wishing to withdraw their child or reduce their sessions will be required to give a month’s notice in writing of their intention or forfeit the month’s fees in lieu. Written notification must be received before the 1st of each month when invoices are produced and sent out.. Email or written communication of intention to leave are both acceptable.
Fees remain due in good faith, regardless of bank holidays, emergency closure (e.g. severe flooding, snow, boiler defects) or any absence due to illness, family holiday or excursion.
Places will be confirmed by MEYC as soon as possible after receipt of completed paperwork and the registration fee. You will be sent final confirmation of your booking at which point your place becomes contractual and you will be liable for payment of the first month’s fees. Alternatively a month’s notice in writing prior to the starting of a new child is required to cancel a confirmed new booking.
An annual fee of £12 is charged to parents at the start of each academic year (September). This charge covers the software costs for personal NEF funding and a contribution towards online per capita Tapestry costs for the personal communication system which records children’s progress.
To better support quality, staff/child relationships and nurturing/bonding processes, the following minimum requirements will apply:
a. Baby Care children are required to attend for a minimum of 2 x short day (9-3) sessions per week
b. Butterfly children at least 2 sessions weekly to support settling in.
c. Toddler Department children are required to attend for a minimum of 2 x short day sessions per week (9-3)
d. Nursery children are required to attend for a minimum of 2 short day sessions weekly (9-3)
e. Barn Owl children are required to attend for a minimum of 3 short day sessions weekly (9-3)
Children may choose to attend 2 Settings and NEF income can be split, but such a decision may disrupt the quality and continuity of a child’s education.
Payments can most easily be made online: Sort code 20-98-61 Account No: 00107115. Cheques should be made payable to MEYC or Madresfield Early Years Centre and can be posted or delivered to the office. Any queries regarding invoices can be discussed with the Finance Team, on 01905 749291 between 9am-2pm daily, during term time. The Centre is fully registered to receive Government Funding for 2,3, & 4 year olds. This is automatically applied for on your behalf. Pupil Premium and Special Needs Funding can also be applied for with parental permission and appropriate forms. Any cash payments will be checked, at hand-over and a receipt will be issued.
A full and comprehensive copy of all the Centre’s Policies & Procedures is available from the office. Policies and Procedures as well as Terms and Conditions are updated regularly in accordance with legal changes and County recommendations. It will always be the information in the most recently updated copy that is applicable.
It is the responsibility of all parents and carers to familiarise themselves with the Term & Conditions and policies of the Centre and to keep the Centre informed of any alterations to their personal and contact details. Updated information should be received in writing or by email at the office to enable all records to be updated. (email@example.com)
In the event of an emergency, should parents be unavailable they must agree to staff and medical personnel acting in loco parentis, in the child’s best interests, until parents arrive or can be contacted.
The Office is open in term time only between 9am-3pm Monday to Friday. Administration can only be dealt with during these times and NOT during the holiday periods when the Office is closed. Childcare Staff should not be burdened with financial and administration matters.
Photographs taken of children at the Centre will be used for wall displays, children’s records, website updates, Centre Social Media accounts and for occasional newspaper articles of special events, unless parents confirm in writing, their objection to this.
Hayswood Farm, Madresfield, Malvern, Worcs, WR13 5AA
Registered in England & Wales: 03597604


Congratulations on deciding to go solar! As you may know, there are two very different options for going solar. You can buy or lease solar panels for your home. There are pros and cons to each option, but both options afford you the same ability to enjoy fantastic environmental benefits.
Yes! A 26% federal tax credit and a $1000 state of MA tax credit is available for every solar installation. You may also enroll in the Massachusetts SMART program, which allows you to collect payment for all of the solar energy you produce regardless of if you use it or send it out to the grid (this is separate from net metering). Commercial solar installations are eligible to depreciate their solar installations on top of the tax credits.
The size of your project will dictate how long it will take. Most residential installations typically take a couple of days.
Yes! 100% financing is available subject to credit approval.


Tim C. FitzGerald, MSFS, AEP®; Warren C. Bradley, R. Matthew Hudnall, and Drew McDonald are agents collectively licensed to sell insurance through New York Life and may be licensed with various other independent insurance companies in the state(s) of AR, LA, TX, MS, AL, VA, WV, NY, AZ, CA and WA. No insurance business may be conducted outside these state(s) referenced. Tim Fitzgerald AR Ins. Lic. #33049, R. Matthew Hudnall AR Ins. Lic #413955.
Tim C. FitzGerald, MSFS, AEP®, Warren C. Bradley, and R. Matthew Hudnall are Registered Representatives of and offer securities products & services through NYLIFE Securities, LLC Shreveport General Office, 401 Edwards Street, Suite 1700, Shreveport, LA 71101, (318) 222-4143 Member FINRA/SIPC, a registered broker-dealer. In this regard this communication is strictly intended for individuals residing in the state(s) of AR, LA & TX. No offers may be made or accepted from any resident outside the specific state(s) referenced.
Tim C. FitzGerald, MSFS, AEP® and R. Matthew Hudnall, MBA are also separately registered as investment adviser representatives with Eagle Strategies LLC, Registered Investment Adviser, offering advisory services in the state(s) of AR, TX & LA. As such, these services are strictly intended for individuals residing in the specific state(s) referenced.
TFG Financial, LLC is not owned or operated by Eagle Strategies LLC, a Registered Investment Adviser or NYLIFE Securites LLC or any of their affiliates.


5 Star Safety Rating, Airbag - Driver, Pass & Sides, Audio Control on Steering Wheel, Automatic Headlight Control, CD Front Loader, Central Locking Key, Climate Control, Comfort Access, Electric Windows - Front & Back, Fog Lamps - Front, Fog Lamps - Rear, Leather Seats, Navigation System, Park Distance Control (PDC) - Front and Rear, Radio/USB, Rain Sensor W/screen Wipers, Rear Window De-mister, Reverse Camera, Rubberised Load Bin, Service Plan - Balance of, Smash and Grab, Towbar, Traction Control, . Not easy to find these manual 4x4 bakkies any more. Ideal towing vehicle. Come and buy this bakkie and turn it into your dream overlanding machine or work horse! Finance can be arranged and trade-ins welcome.
Factory Features on this Model
ABS, Electronic brakeforce distribution, Auto Windscreen Wipers, Air bags 7, Auto lights, Day lights, Auto lock, ISO fix, Power steering, Steering adjustment, Cruise control, Seats 5, Electric mirror fold, Spare wheel FULLSIZE, Keyless entry, Air conditioner, Electric windows, Radio, Leather, Remote side mirrors, Park distance - rear, Satelite navigation, Alloy wheels, Fuel DIESEL, Engine LONGITUDINAL INLINE 5, Engine size 3198cc, CO2 225g/Km, Power 147kW@3000, Torque 470Nm@1500, DOHC 4 VALVES PER CYLINDER, Gears 6, Drive 4, 0-100Km/h 0sec, Top speed 0Km/h, Boot capacity 0 litres, Average fuel consumption 7.5l/km, Service interval 15000kmTap/Click to view detailed specifications...
||4 YEAR/120000KM WARRANTY, 6 YEAR/90000KM SERVICE PLAN, 5 YEAR CORROSION, 3 YEAR ROADSIDE ASSISTANCE|
|Maintenance or Service Plan||YES|
|Driver Air Bag||YES|
|Passenger Air Bag||YES|
|Side Impact Air Bag||YES|
|Impact Tensioning Seat Belts||YES|
|Engine||LONGITUDINAL INLINE 5|
|Valves||DOHC 4 VALVES PER CYLINDER|
|Power||147 kw at 3000 rpm|
|Manual / Automatic||MANUAL|
|Average Consumption||7.5 L/100km|
|Fuel Supply||TURBOCHARGED COMMON RAIL INJECTION|
The finance calculator is a form of loan simulator and is NOT AN OFFER by Eastvaal Witbank, its management, employees, representatives, agents or affiliates of any kind. It is provided to you for information and convenience purposes only and does not constitute financial advice in any form or manner. It is a guide only, which is based on certain assumptions and approximations, and we do not guarantee the accuracy of any information thereof. Eastvaal Witbank, its management, employees, representatives, agents or affiliates DO NOT ACCEPT RESPONSIBILITY for any errors or omissions whatsoever in relation to the finance calculator, and DO NOT ACCEPT LIABILITY for any loss, damage, inconvenience experienced or otherwise, caused in respect of any reliance on the finance calculator or information on this website.
The finance calculator will not pre-qualify you for any loan programs whatsoever.
Actual instalments on loans obtained with financial institutions will vary depending on:
Please note that you should seek appropriate financial advice before concluding any loan agreements.
*All calculations, rates quoted and payments shown are GUIDELINES ONLY and are not quotations. The final rates and payments can only be determined by your Finance House once they have assessed all your information (completed in a finance application form). By using this calculator, you hereby INDEMNIFY Eastvaal Witbank, its holding, associated or partner companies against any loss or liability which you may suffer as a result of using the calculator. All information provided to you on this website is for illustrative purposes only and may not be considered to be ADVICE.


Designed by a Stroke survivor to support Stroke victims
Fundraising total: £2010
ESA is a benefit paid to people whose ability to work is limited by ill health or disability
ESA replaced new claims for Incapacity Benefit and Income Support from 27 October 2008. Claimants already receiving Incapacity Benefit, Income Support paid because of illness or disability or Severe Disablement Allowance (SDA) continued to receive those benefits as long as they remained eligible. However, in 2010 it was announced that these claimants would be switched to ESA between Spring 2011 and 2014.
This is payable to someone who is incapable of work because of sickness or disability. It is only paid to someone who is employed and who earns more than the National Insurance lower earnings limit. When Statutory Sick Pay runs out or you stop being employed, you may be able to claim other benefits
Personal Independence Payment (PIP) is extra money to help you with everyday life if you've an illness, disability or mental health condition. You can get it on top of Employment and Support Allowance or other benefits.
Universal Credit is a new benefit which will be introduced over an extended period with the aim of national coverage by 2017. More information can be obtained from https://www.gov.uk/universal-credit/overview
Income-based Jobseeker’s Allowance
Income-related Employment and Support Allowance
Child Tax Credits
Working Tax Credits
(From April 2014 people of working age who are in work will claim Universal Credit instead of current tax credit)
Working Tax Credit. You may be able to claim Working Tax Credit if you are disabled and work at least 16 hours a week. You must have a disability that makes it difficult to get a job. You must be receiving, or have recently received, a qualifying sickness or disability related benefit. However this may affect other income related benefits you get - for example Housing Benefit and Council Tax Benefit. Call the Tax Credit Helpline on 0345 300 3900.
Child Tax Credit. This is a payment to support families with children. It can be claimed by those responsible for at least one child or young person. The amount of the payment depends on your circumstances and income levels, but could include a baby element, disability element or severe disability element.
If you are aged 16 or over and spending at least 35 hours a week looking after someone who is getting or waiting to hear about getting Attendance Allowance or Disability Living Allowance. Carers Allowance is taxable and may affect your other benefits
If you are on a low income, whether you are working or not, and paying rent
You may qualify for a discretionary housing benefit to help with the shortfall in your rent. Your local council should have further details.
If you think you may be affected by this Cap the DWP have set up a Helpline to help answer questions about the cap. The number is 0845 605 7065 between 8am and 6pm
If you wish to challenge decisions made on your benefit claims you can ask for written statements of the reasons for the decision made. If you still believe this is incorrect decision you can ask for it to be look at again and/or appeal. Time limits are very strict and you are usually given one month to dispute a decision so it is important to seek advice quickly.
If you are an older person with concerns about this information your local Age UK may offer you some assistance.
Help and Support


With home solar installations reaching all-time highs as energy prices steadily increase, and increases in solar efficiency making it such a viable competitor, we at Solar America have spent a lot of time vetting the best solar partners for homeowners. We’ve been particularly impressed with how Sunrun is leading the pack.
It is amazing how quickly solar energy prices have dropped in the last few years. Once the domain of the rich with money to burn, or extreme greenies, Solar has become a mainstream option that can save the planet while saving you money.
With solar panel costs down 75% and efficiency up by half, solar energy is less expensive than it ever has been in history. With the government tax credit incentives – if you move fast, they may expire this year - this is the perfect time to get solar panels on your home. If you’ve been thinking about riding the solar wave, we may have just reached the perfect time, as solar energy has become a global industry that is expanding at a dizzying pace. The Golden Age of the sun has arrived, and solar has finally become a practical solution for lowering monthly home energy bills while simultaneously benefitting the planet.
Energy prices have been steadily increasing for decades; it’s a safe bet to say that trend will not abate any time soon
The Energy Policy Act of 2005 has made solar especially affordable for homeowners in the last few years, but unfortunately many do not realize the Federal Tax Credit is set to expire at the end of 2016. We’d recommend you look into taking advantage of these massive credits before they are gone.
Along with being one of the largest, most well-known solar companies, Sunrun gives you a variety of great options to take advantage of these probably once-in-a-lifetime federal government savings incentives on solar.
If your home meets the conditions, Sunrun’s loan options offer as little as zero down and monthly payments that are lower than your average electricity costs, allowing you to start saving money from the first day of installation on your home.
Solar America partners with the expert solar installers to find you the best possible installer for your area.
Submit some quick information so we can get you in touch with a solar specialist to assess your individual situation:


- About Graham
- Field Support/Training
- Investor Relations
Webcast and Conference Call
Graham management will host a conference call and live webcast July 30, 2015 at 2:00p.m. Eastern Time to review Graham’s financial condition and operating results for its first quarter of fiscal 2016, as well as its strategy and outlook. The review will be accompanied by a slide presentation.
Click here for the slide presentation.
A question and answer session will follow the formal presentation.
Graham’s conference call can be accessed by calling (201) 689-8560.
To register for the teleconference: http://public.viavid.com/index.php?id=115263


Part Time Finance Officer
20 Hours Per Week
Temporary Contract OR Permanent
Hybrid Working considered
c.£16.00 Per Hour
Looking to re-address your work/life balance with a Part Time role?
Do you possess good Accounting experience and perhaps have studied AAT?
Interested in working in the centre of the beautiful City of Bath?
Our client is a leading global software business and they are now looking to recruit an experienced Finance Officer to join their friendly team on a Part Time basis.
They are looking for the successful individual to work 20 hours per week.
Reporting to a Company Accountant, this role will see you manage the company’s day to day financial operations needs which include;-
* Producing monthly bank reconciliations and financial reports.
* Quarterly VAT Returns.
* Managing Cash Flow and making payments.
* Payroll and management of staff benefits.
* Management of Accounts Payable and Accounts Receivable.
* Supporting the Company Accountant with Year End procedures.
* AAT qualification or studying towards
* Experience with Sage and/or QuickBooks
* Previous experience in a similar role
* Multi Currency experience an advantage
This is a great opportunity to join a company that offers a friendly and informal office working environment (with a pool table!)


What is it?
The Civitas Scholarship is an annual one-time scholarship of $500 awarded to a student who has shown remarkable leadership skills and a willingness to pursue unwavering selflessness in their future career path.
Why is it called Civitas?
Civitas is a Latin term that means “citizens” or “a community of people.” The purpose of this scholarship is to provide a financial resource for future leaders who aspire to transform their communities and inspire others to be impactful, selfless, and compassionate.
Who can apply?
Only graduating seniors from Quitman County High School in Georgetown, Georgia are eligible to apply.
What are the requirements?
- Must be a graduating senior of Quitman County High School in Georgetown, Georgia.
- Must graduate with at least a 2.8 GPA on a 4.0 scale.
- Must further their education in the academic year immediately following graduation at an accredited two or four year college/university or vocational school.
How will the scholarship be paid out?
Awardees will not receive the scholarship money directly. Funds will be released to the institution to which they have been accepted and will be applied as a credit towards the awardee’s invoice for the upcoming year.


AXA’s Property & Casualty department had a project to modernize and make more ergonomic the user interface of its platform dedicated to 2-wheel insurance: the aim was to offer a better user experience to agents and brokers.
Indeed, AXA is aware that to thrive in an increasingly competitive market, it is essential to provide a more attractive and user-friendly platform. They were looking for a solution that would enable users to navigate the business application more easily, while having clear visibility of insurance rates and conditions.
The expected benefit was to harmonize the underwriting path with the eproduct path, for better handling and therefore better productivity, in order to increase business with the brokerage network, which is faced with multiple underwriting paths. Faced with this challenge, AXA has chosen to renew its confidence in Metrixware to transform its underwriting application for customers owning 2-wheelers.
AXA is a French international group specialized in insurance and asset management.
The project at a glance :
- 10,000 employees and brokers involved
- increased number of contracts signed
- time saved on quotations
To meet AXA’s need to modernize its user interface and improve the experience of its agents, brokers and employees, Metrixware proposed its Mainframe Integrator Suite (MIS) solution, supporting IBM
z/OS, IBM i (AS/400) and IBM Aix environments.
This solution highlights Metrixware’s technology and the ability of its teams to work in collaboration with AXA’s business managers and marketing department, to deliver a time-to-market solution that respects the budget, the specifications and the AXA universe.
Benefits & Results
Immersion in the AXA Universe
More attractive and ergonomic interface created by a UX Design team -> Wow effect!
Return on investment
Lowest implementation cost to achieve expected results.
Better adoption of the offer
Completely redesigned sales approach with information bubbles and clear display of details and options.
The proposed solution enabled us to redefine our sales approach and modernize our user interface. The solution has transformed our tool into a real guide for agents and brokers, helping them to navigate and sell more effectively.


The City of Sharon is well connected with the Commonwealth of Pennsylvania's Department of Community and Economic Development. City staff and volunteers can help start-up or expanding companies easily navigate Local Economic Revitalization Tax Assistance (LERTA) Including state tax incentives in Keystone Opportunity Zones and other Enterprise Zones, low-cost financing from Sharon Industrial Development Authority, Shenango Valley Enterprise Zone and Penn-Northwest Development Corporation. The City can also help with technical assistance with state and local economic development programs and provides affordable energy sources, easy highway and rail accessibility. Commercial and industrial real estate is readily available, including Keystone Opportunity and other Enterprise Zones.
Sharon and the surrounding region offer sizeable, dedicated, easily-trained and cost-effective workforce. Downtown Sharon is home to Pennsylvania CareerLink, offering a one-stop employment center for recruitment, training, and tax-credit programs.


Under the Education (General Provisions)
Act (EGPA) and Department of Training (DET) policies and after consultation
with our P&C, Red Hill Special School operates a whole of school
Textbook & Resource Scheme. Due to the specialised needs of our environment,
a lot of our resources are expensive and/or specialist items not readily
available to the general public. This scheme is to ensure that all students
have the necessary resources for their education, and to save
parents/caregivers the need to shop for basic school resources.It
also provides bulk purchase advantages and a uniformity of resources.
We are also aiming to reduce the amount of
payments made to the school and have combined all fees into the scheme. Once
the Student Resource Scheme (SRS)contribution has been paid, the only
payment parents/carers will be required to make will be for horse riding, gym,
TAFE fees and culminating unit activities/excursions (i.e. camp).
These culminating excursions are limited to one per semester.
The resources provided to the students
under the scheme include items such as:
The cost to participate in the
Textbook& Resources Scheme for 2017 is:
Education Queensland pays a Textbook
Allowance for students aged 13 years and older. The allowance is paid
directly to the school and is used to offset the Student Resource Scheme (see
page14). The Textbook Allowance covers the cost of classroom consumables, some
transport and some registration costs at vocational education, etc. A full
breakdown is provided to parents/carers annually and is published on the school
website. You can choose not to participate in this Textbook Allowance Scheme
and can request that the school pay you the allowance. However, in this
case you will be required to provide and/or pay for the resources and equipment
listed for your child for that year. The value of the resources and equipment
is always greater than the Textbook and Resource Allowance.


Mark is a Senior Associate at Monument Economics Group. Mr. Kaplan specializes in providing analysis and litigation support for matters involving financial fraud and market abuse.
In particular, Mr. Kaplan has played a key role in investigations and litigations involving market manipulation (e.g., spoofing, pump-and-dump, mutual fund market timing); insider trading; investment advisor fraud (e.g., cherry picking); valuation; FCPA violations; cryptocurrency; RMBS; and foreign exchange. Mr. Kaplan has also assisted counsel with profit calculations for settlement purposes.
Before joining Monument, Mr. Kaplan was an Associate at Analysis Group. Prior to that, he was a Statistician at the SEC in the agency’s Division of Economic and Risk Analysis.
Mr. Kaplan is a Chartered Financial Analyst (CFA) charterholder.


How do I get a test ride on one of your Ducatis or a used bike?
Just ask! Phone us or email us. You must bring along with you your driving licence photocard as well as a note of your National Insurance number, plus a recently dated proof of address. If you have the old style licence please bring along some kind of photocard ID such as your passport, as well as your paper licence and and extra recently dated proof of address.
It is always best to contact us to make an appointment so as to avoid disappointment in case the bike in which you are interested is not available.
I may need finance to make a purchase, can you help?
We offer competitive financing. You can learn more about the different ways to fund your Ducati by viewing our finance and special offers pages. Alternatively click here to apply online today.
Do you buy other makes of bike besides Ducati?
Yes we consider all makes and models, with top prices paid & fast payment. Fill in our quick Valuation Form to see how much your bike is worth today.
Do you only service Ducati?
Our trained technicians are experienced working on most makes & models of motorcycle. Contact our service dept or fill in our Service Enquiry Form for more details.
What kind of warranty do I get with a new Ducati
Ducati warranties all its new bikes for a period of 24 months/48 months dependent on specific model. Please check with a team member for more details.
Selling my bike, Part-Exchange and Valuations
What will I need when I sell or part exchange my bike to Ducati Dundee?
Two forms of ID. Original photo ID such as your passport and a proof of address within the last 3-6 months (eg utility bill/council tax letter). The name and address on log book and ID must match.
Both sets of keys. If one is missing, please tell us at the valuation stage.
Your bank details. Payment is made straight away, but account must be in the name of the registered keeper.
Finance settlement letter. If any finance payments are outstanding, we need a letter from finance company detailing the settlement figure.
What happens if I accept your offer?
Simply call our team or email us so we can arrange a convenient time to inspect your bike, we’ll confirm the offer and arrange payment.
How will I get paid for my bike?
Payment is made directly into your bank account.
I cannot find the V5 document?
You will first need to get a replacement via the DVLA website.
Valuation is subject to inspection?
Our initial online valuation is as accurate as possible based on current market trends and the information provided by yourself, prior to us making an in-person inspection. On rare occassions the valuation we provide after the inspection may be different from our initial estimate. This will only happen if we find differences that were not apparent during the initial online valuation. Our post-inspection valuation is our final offer. We provide a fair and honest valuation. We do not haggle, and if we agree with the initial valuation, then that’s the price we will pay you.
What will happen to my motorbike once I agree to sell it?
We'll complete the paperwork with you, settle any outstanding finance and transfer the money into your bank account.


GIC-Bhutan Reinsurance Company Limited was incorporated on 16th May 2013 under the Companies Act 2000 of the Kingdom of Bhutan. The company was licensed to carry on General Reinsurance business on 12th August 2013 under Financial Services Act 2011. The Company was formally launched on the 5th of September 2013, by the Hon’ble Finance Minister of Bhutan and His Excellency, the Indian Ambassador to Bhutan.
GIC-Bhutan Reinsurance Company Limited is a Joint Venture Foreign Direct Investment (FDI) company with an initial paid-up capital of Nu. 500 Million and with the issue of rights share in the financial year 2020 it was enhanced to Nu. 1,100 Million. It is promoted by General Insurance Corporation of India (GIC Re) holding 26% share and two Bhutanese promoters Dasho Sangay Wangchuk holding 17% share and Aum Damchae Dem holding 12% share respectively. The remaining 45% is in the hands of the public.
To learn more about GIC-Bhutan Reinsurance Company Limited, please visit their website at: http://www.gicbhutanre.com


Smart contracts are digital programs or scripts that are designed to automatically execute and enforce the terms of a contract. They are a key element of blockchain technology and are widely used in the world of cryptocurrency.
In simple terms, a smart contract is like a digital agreement between two parties that is stored on the blockchain. It contains a set of predetermined conditions that must be met in order for the contract to be executed. Once those conditions are met, the contract is automatically executed, and the terms are enforced.
The beauty of smart contracts is that they are completely transparent and decentralized. Once a contract is created and stored on the blockchain, it cannot be altered or tampered with. This ensures that both parties are equal stakeholders in the agreement and that there is no need for a third party to oversee or enforce the terms.
One of the most significant use cases of smart contracts in cryptocurrency is the creation of decentralized applications (dApps). By using smart contracts, developers can create dApps that are completely transparent, secure, and decentralized. These dApps can automate a wide range of tasks, from financial transactions to the management of supply chains.
Smart contracts have several advantages over traditional contracts. They are more secure, as they are stored on a blockchain that is virtually impervious to hacking. They are also much faster and more efficient than traditional contracts, as they are automatically executed once the predetermined conditions are met. This eliminates the need for a third party to oversee the agreement, which can save time and money.
Smart contracts are a key component of the future of cryptocurrency. As blockchain technology continues to evolve, we can expect to see more complex and sophisticated smart contracts that can automate even more tasks and transactions. Whether you are an investor, a developer, or simply curious about the world of cryptocurrency, smart contracts are definitely an important concept to be familiar with.


DOES MY HOUSE INSURANCE COVER ME IF SOMEONE HAS BEEN INJURED IN MY HOME?
Quite often basic house insurance policy’s have a lot of extra cover that people don’t know about examples of these include:
- Jury benefit, some policy’s have a daily benefit that can be paid to you or your spouse/partner to sit on a jury
- Domestic employees or visitors belonging
- Frozen food, if the electricity is cut off or your freezer breaks down you can recover the cost of the frozen food loss in your deep freezer
A very important part of basic household insurance policy is that of public and personal liability. Most policies will cover domestic employees and visitors entering into the property. For example, children’s birthday parties are usually covered, i.e. if a child becomes injured whilst attending a birthday party in your home the insurance company will provide cover for that personal injury claim
If you have temporary or occasional employees for example somebody carrying out repairs or decorations, a cleaner or childminder and they become injured in your home then your household insurance policy will provide cover
Interestingly some policy’s will also cover members of the household if they injury a person outside of the house for example if you accidently trip someone on the footpath or if you struck a passer-by with your umbrella and caused an injury to that person then your insurance policy may provide cover for any claim made against you.
Therefore, when it is time for renewal of your household insurance policy you should read the benefits that are included very carefully make your decision whether additional benefits may be of some assistance to you.
Should you require any further information regarding this matter please do not hesitate to contact us at McElhinney & Associates, Drumboe Lodge, Stranorlar, Co. Donegal on 074 91 75989 or firstname.lastname@example.org
*In contentious business a Solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement
**This information is for guidance purposes only. It does not constitute legal or professional advice. Professional or legal advice should be obtained before taking or refraining from any action as a result of the contents of this publication. No liability is accepted by McElhinney & Associates for any action taken in reliance on the information contained herein. Any and all information is subject to change.


The commitment includes a significant, lender-endorsed, equity investment at closing, followed by additional and larger infusions of cash based on a disciplined process so as not to unduly dilute the existing shareholders. After a thorough review and analysis of the club, the firm believes the level of its investment is more than sufficient for the club to be operated successfully and for the manager to have an appropriate reserve of cash to use for key, off-season roster moves. In addition to the equity investment, CLUB 9 SPORTS has already reached an agreement with the club’s lender, Co-operative Bank, to restructure the current debt level.
CLUB 9 SPORTS plans to engage itself in the club’s management through the active involvement of its executive team and others it has recruited to support the current efforts of the club’s key executives and its manager. As such, CLUB 9 SPORTS plans to implement a number if initiatives (such as international player development, best practices in commercial operations and enhanced match day activities) in order to improve the team’s performance and the fans’ experience. The goal of these efforts will be to provide financial discipline, club stability and higher league standings.
“We believe the amount and structure of our offer is compelling and trust the board will accept the terms,” said


Residential Property Review July 2018
THREE-YEAR TENANCIES FOR RENTERS CAUSES CONCERN TO LANDLORDS
As reported by The Guardian, the Secretary of State for Housing, Communities and Local Government, James Brokenshire, has proposed stopping landlords of rental properties from evicting tenants at short notice and implementing a minimum three-year tenancy agreement.
Currently, approximately 80% of residential tenancies in England and Wales are agreed for either a six or twelve-month period. The assured shorthold tenancy agreement is the most widely used tenancy agreement by buy-to-let landlords. This type of tenancy entitles the landlord to a possession order immediately after the initial agreed period, meaning the landlord is therefore able to evict the tenant after the initial fixed term without a legal reason.
Referring to his recent consultation paper, Mr. Brokenshire stated: “It is deeply unfair when renters are forced to uproot their lives or find new schools for their children at short notice due to the terms of their rental contract.”
LONDON HOUSE PRICE GROWTH AT NINE-YEAR LOW
The UK Cities House Price Index, published by Hometrack, a property research organisation, has shown that London is amongst five cities where home prices are declining in real terms, when adjusted for inflation. Their definition of a decline is where house price annual growth rates fall below the Government’s Office for National Statistics’ (ONS) Consumer Prices Index (CPI), which currently sits at 2.4%.
The Hometrack report states that London house price growth has slowed to a nine-year low, while prices in Edinburgh and Manchester are rising faster than in any other major UK city, with price gains of 7.1% and 7% respectively.
Richard Donnell, the insight director at Hometrack, commented: “We expect house prices to keep rising across regional cities such as Birmingham, Manchester and Edinburgh over the next two to three years. During this time house price growth in London will remain flat, with annual price rises of approximately 0-2%.”
FASTER REDRESS FOR DEFECTIVE NEW-BUILD PROPERTIES?
In a report entitled ‘Better Redress for Homebuyers’, the All-Party Parliamentary Group for Excellence in the Built Environment, states that the landscape for buyers of new-build homes who are trying to resolve complaints about building defects is a confusing one. This problem is compounded by the complexity of the current number of housebuilding codes, building guarantees, and individual developer’s complaints procedures.
The All-Party Group have proposed setting up an independent ombudsman with powers to reimburse buyers by up to £50,000, or even give the buyer recourse to reverse the original sale contract. It is proposed that the scheme would be funded by a levy on housebuilders.
LAND SHORTAGE CHALLENGES NEW HOMES SUPPLY
According to the most recent capacity survey from estate agent Savills, the policy environment for delivering affordable new homes is improving. However, the availability of suitable land was cited by 86% of respondents as being the number one barrier to achieving this, with the lack of subsidy or grant being claimed by 54% as the number two barrier. Meanwhile, Government policy was only cited by 24% of their participants as being a barrier.
The Government’s target of 300,000 new homes per year continues to put pressure on housing associations to ramp up their housebuilding to bridge the gap from the present supply of 220,000 houses.


James Cash Penney
J. C. Penney
James Cash Penney Jr.
September 16, 1875
February 12, 1971
Place of Death:
Harkness Pavilion, Columbia‐Presbyterian Medical Center, New York, New York
Cause of Death:
Claim to Fame:
Business and Finance
James Cash Penney was an American businessman and entrepreneur who founded the J. C. Penney stores in 1902. The Penney company expanded nationwide, with 120 stores in 1920 (mostly still in the west). By 1924, Penney reported income of more than $1 million annually. The number of stores reached 1,400 by 1929. The large income allowed him to be heavily involved in many philanthropic causes during the 1920s. Most of this work was halted when the stock market crash of 1929 and the Great Depression left Penney in financial ruin. After the crash, Penney lost virtually all of his personal wealth and borrowed against his life insurance policies to help the company meet its payroll. The financial setbacks took a toll on his health, and he checked himself into the Battle Creek Sanitarium for treatment. After hearing the hymn "God Will Take Care of You" (written by Civilla Durfee Martin) being sung at a service in the hospital's chapel, he became a born-again Christian.
In 1940, during a visit to a store in Des Moines, Iowa, he trained a young Sam Walton (future founder of WalMart) on how to wrap packages with a minimal amount of paper and ribbon.
Final Resting Place:
4199 Webster Avenue
Bronx, New York, 10470
Cemetery map of Woodlawn Cemetery in the Bronx, New York.
Grave Location:Pine Plot, Section 135
Grave Location Description
From the Jerome Avenue entrance, turn left on West Border Avenue then right on Chestnut Avenue. Look to your right for the well manicured Penney mausoleum.
Grave Location GPS40.888966, -73.876839
Read More About James Cash Penney:
- Published Obituary
- Wikipedia Entry
- 13 Facts You Probably Didn’t Know About JCPenney
- J. C. Penney, the Man: A Life of Perpetual Sharing
- James Cash Penney: From Clerk to Chain-store Tycoon
- James Cash Penney and the Golden Rule
- James Cash Penney’s Legacy Lingers, While His Namesake Company Scrambles to Save It
- J.C. Penney's Been a Survivor Before
- The Great Leaders Series: James Cash Penney, Founder of J.C. Penney
- J. C. Penney Museum
- About J. C. Penney
Videos Featuring James Cash Penney:
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List of IFSC code, MICR code and addresses of all bank branches in India. Find verified IFSC codes quickly to use for NEFT, RTGS & IMPS transactions.
or select a bank from these:
IFSC Code, MICR code List of all banks in India is given below. Click for more information about the bank and its services. To find details of other banks, use the form below.
What is IFSC Code?
IFSC Code (Indian Financial System Code?)
It is an 11-digit alphanumeric code that is used for NEFT, RTGS, and IMPS fund transfers. IFSC CODE of all banks is assigned by the Reserve Bank of India (RBI). Each code is a unique one and helps in the identification of a specific bank branch.
The first four digits of the IFSC code represent the name of the bank, while the fifth digit is ‘zero’ (0), which is reserved for future use. The last 6 digits denote the name of the specific bank branch. For example, the SBI IFSC code of the SBI bank branch in Indiranagar is SBIN0003301.
IFSC code is mandatory for fund transfers initiated through net banking. To know the IFSC code of a particular bank branch, you can look it up online. This 11-digit code is also printed on the cheque leaf that is issued by the concerned home bank branch.


Fajr Capital is a leading Dubai-based private equity firm. We invest in high-growth companies and support their long-term strategic, financial and operational development.
Our shareholders include sovereign investors from Abu Dhabi, Brunei Darussalam and Malaysia, and private institutions from the Middle East and beyond.
Together with our portfolio companies, Fajr Capital today employs over 15,000 people across the Middle East and Asia Pacific regions – including operations in Algeria, Brunei Darussalam, Egypt, Indonesia, Malaysia, Saudi Arabia, Turkey, and United Arab Emirates.
We have invested growth capital in promising companies operating across a range of strategic, demographic-driven sectors, such as financial services, education, infrastructure, renewable energy, and manufacturing, among others.


As a physician, you’ve dedicated substantial time, effort, and financial resources to your medical education and the establishment of your medical practice. While the medical profession is financially rewarding, the demanding nature of the job often leaves little room for doctors to explore additional income opportunities.
This is where the concept of passive income becomes crucial for doctors. Passive income involves generating revenue with minimal ongoing effort and time investment. By incorporating passive income streams into their financial strategy, doctors can supplement their primary income, diversify their revenue sources, and attain greater financial security. In this article, we will explore 10 passive income ideas tailored specifically for doctors, offering ways to create additional income streams while maintaining focus on their medical practice.
1. Create an Online Course
Developing and selling online courses allows doctors to share their expertise and generate passive income. Once the course is created, it can be sold repeatedly without requiring additional work.
2. Start a Niche Blog
Doctors can establish a niche blog within the healthcare industry, focusing on specific topics such as diseases or conditions. As the blog gains traction, monetization through advertising and sponsorships becomes possible.
3. Health and Wellness Consulting Business
Offering consulting services in their area of expertise allows doctors to generate passive income through referrals and repeat clients.
4. Start a SaaS Product Developer Business
Creating a Software as a Service (SaaS) solution for the healthcare sector enables doctors to profit passively from upgrades and subscriptions. SaaS products leverage online software with licensing for access.
5. YouTube Channel
Creating a YouTube channel allows doctors to share their medical knowledge, potentially earning revenue through sponsorships and advertising as the channel gains popularity.
6. Start a Podcast
Similar to a YouTube channel, doctors can create a podcast to share health-related knowledge. Monetization can occur through advertising and sponsorships as the podcast gains an audience.
7. Content Marketing Business
Launching a content marketing company allows doctors to provide medical content to other businesses, relying on repeat clients for passive revenue.
8. Social Media Marketing Service
Founding a social media marketing company with a healthcare focus allows doctors to generate passive revenue through repeat business and by automating social media campaigns.
9. Real Estate Investment
Investing in real estate properties provides doctors with a means to generate reliable income. Property management services can handle tenant interactions, repairs, and upkeep.
10. Rental Property Management
Establishing a rental property management company allows doctors to manage properties for other landlords, earning passive income from recurrent customers and monthly administration fees.
Exploring online passive income opportunities is a viable option for doctors seeking additional financial avenues. With numerous options available, many requiring little to no initial investment, it’s an opportunity to diversify income streams. Conduct your research, find a passion project, and get started – you may be surprised at how quickly that extra money accumulates. What have you got to lose?
To register for our next masterclass please click here https://linktr.ee/docpreneur


Listed are some of the most frequently asked question regarding the exam and its scope.
#1.Positions: Recruitment to RRB (Regional Rural Bank) and SO (Specialist officer) are two tier processes and for PO (Probationary Officer) and clerks, it's three tier.
P.O: Consists of a preliminary test of 100 marks,followed by a main exam of 200, and finally an interview.
Clerk:Same pattern as P.O selection
S.O:Online written examination followed by an interview.
R.R.B:a main examination of 200marks and then an interview.
#2.Statistics :IBPS CWE is one of the most competitive exams in India. With around 20lakh candidates taking this exam annually, it is quite a tough nut to crack. On an average, only1 in 2000 candidates get selected each year. Candidates taking the CWE get selected for the interviews in a ratio of 80:20.
#3. Academic requirements: The syllabus includes questions based on General Awareness, English Language, Quantitative Aptitude and Computer knowledge. While most candidates prefer to take professional coaching for the exam, it is recommended to start on your own if you have strong basics in Maths and English. You can then go for mock tests online, or in any coaching centre near you. For recruitment to majority of positions in banking, a certificate in any computer course holds immense value. Computer literacy is a must. In the interview, questions related to banking, trade and commerce are common.
#4.Participating banks: Here's a list of banks recruiting through the examination conducted by IBPS.
Bank of Baroda
Bank of India
Bank of Maharashtra
Bharatiya Mahila Bank
Central Bank of India
Indian Overseas Bank
Oriental Bank of Commerce
Punjab National Bank
Punjab & Sind Bank
Union Bank of India
United Bank of India
Export Credit Guarantee Corporation of India Bank
State Bank of India
Plus, there around 50 regional rural banks(RRBs) in the list.Some banks choose to conduct their own recruitment processes.
#5. Eligibility: The candidates must be between 20-28 years of age. Five years of relaxation for SC/ST, three years for OBC & ten years for the differently abled. The candidate must have studied computer as a subject in high school or college. Otherwise, he/she must possess a certificate or a diploma in computer language/ computer operations from a recognized institute. He/she must be able to read and write the regional language of the state of residence. Interested candidates must be a graduate in any discipline, from a recognized university.
Cracking the IBPS (CWE) is the first step to getting your hands on that dream bank job. Once the exam results are out, a list of shortlisted candidates are put up on the IBPS website. Shortlisted candidates will then receive letters of intimation from individual banks with information on the next plan of action. Candidates are then given a two week training on functions of a bank before they are posted at a certain centre of a bank.
With the government intending to bring about considerable reforms in the banking sector, the industry is set to create a large number of job opportunities in the near future.
For more information on the IBPS exam – Click here http://www.ibps.in/


Semi-Annual dues are DUE! Please bring your cash or checks (made out to Canyon Park Echoes Toastmaster) in the amount of $48.00 to the next Wednesday meeting and bring them to Barbara Bailie or a Club officer. Cash needs to be the exact amount. If we get all club members paid in full by March 31st we get more money towards Toastmasters Bucks that can help our club!
Every voice counts – even those from behind prison walls. Perhaps, especially those from behind prison walls.
With this thought in mind, Canyon Park Echoes Toastmasters members voted to support Prison Voices Count, a non-profit dedicated to supporting Toastmasters clubs within the correctional and rehabilitation system.
Prison Voices Counts fosters both the human and the economic benefits of Toastmasters in prison. The inmates gain confidence, dignity and job seeking skills. In addition, prisons who participate in Toastmasters are less likely to return to prison after their release. For the Monroe Correctional Center, this is a possible savings of $1.2 million based on 3 prison clubs based there.
Thanks to Pat Sultan for bringing this program to our attention and kudos to our club members for voting to support this cause. We voted to donate $72, the membership dues for one prisoner for one year.


Every insurer tries to attract more customers by offering something unique. You can have vision insurance as part of your plan if you choose to work with particular companies. The number of people dealing with visual impairment keeps on increasing each year. Doctors reveal that more than 70% of visual problems could be corrected if detected early enough. That is why some insurance companies have started offering this form of insurance as part of their health insurance plans.
As you choose a health insurance provider, you should not overlook proper vision. If your health package does not include vision insurance, you can buy it as a separate policy. Working with an insurer that offers vision insurance can, however, save you some funds. Vision insurance can keep your out-of-pocket costs down. It also lowers the cost of eyewear and eye procedures.
Eye insurance providers are now expanding vision benefits to people who need eye surgery procedures to help them correct problems before they can worsen. For you to receive these benefits, ensure you choose an eye care provider that appears in your preferred provider network. You can get discounted rates for choosing a facility which is part of this network.
Most of the vision plans provide flexible spending accounts such that vision care expenses can be deducted from your payroll check directly. Go through your insurance policy to find out the exclusions that your vision insurance will not cover. The exclusions differ from one insurance company to the next. Some of the services that may not be part of the insurance coverage include prescriptions, contact lenses examinations, vision therapy, and eyeglass tinting. If you want any exclusion to be part of your vision insurance plan, you may have to pay additional premiums.
If you have a big family or are on a budget, you need to consider a vision discount plan. This helps you get a flat discount on different vision services such as surgical procedures, eyewear, or routine eye exams. Once the discount is applied, you should pay the balance. A vision discount plan differs from a traditional vision insurance policy in that it comes with lower premiums.
Choosing an insurance company that offers vision insurance can save you a lot of cash since vision costs can go up to $ 100. The prices of eye glasses are also not cheap. To avoid such costs, you need to get the most from your vision insurance plan. Ensure you make use of the money on eye care services since it is bound to expire. You can choose insurers such as VSP Direct, Eyebenefits, Vision Plan of America, Humana, and Aflac. The companies offer a standard coverage, which includes an annual eye exam as well as eyeglass exams. While some let you pay monthly premiums, others have a yearly fee that you have to pay. Such a company enables you to use the coverage as many times as you want within the year that you have paid for.


Blog Post for WISC Student
Posted on June 4, 2019
WISC Student Andra Sonea, together with Weisi Guo, Stephen Jarvis (both WISC CDT) and Faith Reynolds (Independent Consumer Expert), has written a blog post on identifying and tackling the financial void that is created through the increasing digitisation of retail banking.
In her blog post, Andra highlights the chronic lack of useful data that can be used to identify groups of people that are susceptible to falling into a financial ‘void’. Andra also advocates for a more transparent approach to data in the retail finance industry, in addition to stressing the need to ensure vulnerable socioeconomic groups are considered in retail finance planning. Andra’s research continues to emphasise the real world impact that research undertaken at WISC can have and Andra and her research team are confident of being able to influence future policy decisions as a result.
The blog post can be read in full here


Having successfully closed several hundred properties in San Diego County over the last 27 years, Dennis Boyle is a proven commodity for buyers and sellers a like. Dennis’ extensive market and contractual knowledge, along with his consistent track record of getting his offers accepted and listings sold to the maximum benefit of his clients, has resulted in a past client loyalty rate that is second to none!
With decades of award winning, record setting experience, and hundreds of properties closed within San Diego’s North County and North County Coastal, Dennis has proven strategies and systems to help you negotiate the best possible price for your home. When it comes to the numbers side of the business, Dennis has a unique advantage over the competition. In addition to selling houses since 1990, Dennis Boyle served as a top producing mortgage lender for over 7 years. His ability to calculate loan payments on the spot, as well as his knowledge of current loan programs, and how those programs may effect offers on his listings, or payments for his buyers, consistently helps him bring more transactions together for a successful closing.
Ready to get started? Contact us today.


Wills, Estate Planning & Elder Law
As we get older we face increasing uncertainty. This uncertainty can be a source of great stress for many people. To ensure peace of mind and financial security as you get older it is important to manage your estate and financial affairs.
Estate planning is about ensuring that when you pass away your loved ones are properly provided for and your assets are distributed according to your wishes with minimum taxation and court intervention. It is also about managing your affairs while you’re still alive to ensure that your assets are sufficiently protected and continue to be protected in the event that you lose the capacity to make important decisions for yourself.
Effective estate planning gives you flexibility in the management of your estate and affairs. At Berryman Partners we can assist you to tailor you estate plan to your particular circumstances.
Estate planning comprises multiple steps. The first of these steps is to prepare a Will and/or Power of Attorney and Enduring Guardianship.
Preparation of a Will
Preparation of a Will allows you to express your wishes as to how your assets are to be distributed upon you death. Proper planning allows you to reduce the financial burden on your beneficiaries and minimise the possibility of disputes.
Power of Attorney and Enduring Guardian
Power of Attorney and Enduring Guardianship are effective ways of appointing either one or multiple people to make important decisions for you for either a short period of time or long term.
Estate planning also requires a broad approach and consideration should be given to all matters that may affect the important aspects of a person’s estate and affairs.
Berryman Partners can provide you with a range of estate planning services, including:
- Preparation of Wills
- Preparation of Powers of Attorney and Enduring Guardianship
- Asset protection strategies
- Assistance with issues relating to living arrangements and aged-care accommodation


Getting a loan may help you or break you in your building your business empire. If you meet the right conditions, factors, and reasons for getting the loan, it should be beneficial for the growth of your business. Acquiring a loan is much easier these days. With the presence of online financiers and the rise of different lending companies, getting a loan is anything but difficult. But just because acquiring a loan has become easier doesn’t mean it will be served in a silver platter to you. There are things you need to prepare and consider before submitting your application papers to online lenders.
1. The most important question to ask yourself is: “Why do I need this loan?”
Most lending companies will ask you this question and you should have figured your business needs to substantially provide a sound and credible answer to this perennial question. Moreover, you must also answer the follow-up questions:
How much do you need?
What payment scheme can you afford?
You must be prepared with your financial statements if you are an existing business or your business plan if you are still starting out. Understanding your needs for a loan will navigate you towards making the right decisions in growing your business.
Take for example these two restaurant owners with different business needs:
Restaurant Owner 1 needs a new oven. Purchasing a new oven is a major expense and might affect the business’ operation costs if bought at a one-time payment. So owner 1 takes up a loan with a repayment that is well within his paying capacity.
Restaurant Owner 2 wants to expand to a new location and takes up a credit line with a high credit limit. To cope up with the repayments, the second location must be up and running in about 2 months and must be able to make four times as much more profit than the first location. That is an overly ambitious plan with a very aggressive timeline.
Most lenders will help you realize that your plan actually makes practical sense. You need to be able to clearly determine existing business needs and finances before applying for a loan. It is high time to consult your accountant and bookkeeper on how your business is going in terms of the numbers.
2. Know Your Legal Standing
This is one factor that proves to be most effective to get your loan application approved. That is because having a clear idea on your business legal standing shows that you are hands-on and up to date with your business affairs.
Check with the Secretary of State in your area. Inquire about business or tax liens on you or your business. In most business, you can conveniently do this online. If it turns out that there may be invalid liens, take the necessary process to have it removed. It can do wonders in increasing your credit line just by removing irrelevant liens under your name or your business.
If your business is incorporated, check if your business is properly registered and in a good position with the Secretary of State. If your business isn’t incorporated, it best to do so before applying for a loan. Most financiers often view incorporated companies as more stable and credible.
3. Google Yourself & Your Business
You might be surprised at so many people using the power of the internet when it comes to searching for something or someone. Even financiers and lending companies research about their applicants and their business. Make sure you have a good LinkedIn profile and enough social media presence to prove yourself credible. It is also helpful to have positive reviews about your business especially in sites like Yelp and other online review platforms. However, if there are also negative comments, you must also be prepared to explain those comments in case they bring it up in the application process.
4. Check Your Credit Standing
Checking you and your business credit score will give you the opportunity to identify issues that you can address immediately especially in settling previous debts and correcting misinformation. Most lenders will check your personal credit score as well as your business credit standing which will greatly impact your loan application.
5. Prepare Your Documents
This is the most crucial step you need to do before you start your loan application process. You need to prepare your documents in paper and in digital form to speed up the loan application. Here are some of the pertinent documents that most lending companies will ask from you:
- Recent Bank Statements (3 to 13 months)
- Recent Income Tax Returns (1 to 3 years)
- Business Permits
- Incorporation Papers
- Updated Income and Expenditure Sheets
- Profit and Loss Report
- Business Plan
6. Choose The Best Type Of Business Lender For Your Business
Spend time comparing different business lenders. You can borrow from a bank, non-profit microlenders or online lenders. These financiers offer products including term loans accounts receivable financing or lines of credit. Know which lender meets your business needs and repayment capacity. The right lender will build your business up, aids business growth and assists in incredible business success. The right business lender will give you a clear explanation of how their products work, their financing schemes including interest rates, processing fees, and penalties.
Fast Business Financial proudly offers Working Capital Loans, Merchant Cash Advance and Business Lines Of Credit. Get funded in as little as 24 hours!


The interest rate for tax year 2020 is 5%.
The interest rate for tax year 2019 is 7%.
The interest rate for tax year 2018 is 6%.
The interest rate for tax year 2017 is 6%.
The interest rate for tax year 2016 is 5%.
Ohio Revised Code 718.27 requires that municipalities set the interest rate for delinquent unpaid tax liabilities at the federal short-term rate (rounded to the nearest whole number percent) plus 5 percent (5%). Interest shall be imposed per annum on all unpaid income tax, unpaid estimated income tax, and unpaid withholding tax. The interest rate shall apply to the calendar year following the July of the year in which the federal short-term rate is determined.


CFA® is an internationally recognized designation offered by the CFA Institute to investment and finance professionals. To earn the CFA® charter, candidates need to have completed three six-hour exams and possess 48 months of relevant professional experience.
There are three stages of exams (level I, II and III). All three exams focus on investment analysis, valuation and portfolio management.
The basic requirement to write the exam include possessing:
- any bachelor degree or being in the final year of the degree program at the time of registration or
- four years professional work experience (does not have to be investment related).
- a combination of professional work experience (full-time) and college experience that totals at least four years prior to enrollment.
- a valid international travel passport.
Professionals that write the CFA® exams include portfolio managers, research analysts (equity and fixed income), investment bankers, risk managers, corporate finance analyst, fixed income traders, etc.
For more information on the exam, kindly visit https://www.cfainstitute.org/


Help support the DARC by designating the Dallas Amater Radio Club as the Good Neighbor beneficiary of your shopping trips.The DARC Good Neighbor affiliate number is 4056. The DARC will receive 1% of your purchase price, issued quarterly, as a donation from Safeway/Tom Thumb. This is a great way to provide financial support to the club with no additional cost to you!
Get more information about the Tom Thumb Good Neighbor Program. You can also download an application to complete and submit during your next grocery shopping trip.


What is it?
The HEAP emergency benefit component assists low-income New Yorkers who are facing a heat or heat related energy emergency and do not have resources available to resolve the emergency.
What do I get?
Your household can receive between $160 to $350 per year depending on the type of utility or way in which you heat your house. You may also be eligible for Emergency HEAP if you are threatened with utility shut-off. Generally, HEAP benefits are paid directly to your energy company (Con Edison or Brooklyn Union).
How long do I get it?
You can continue receiving HEAP as long as you remain eligible. You'll have to re-certify for HEAP every year. Go to your local HEAP office to re-certify. Bring the documents listed in the 'What Do I Need to Bring...?' box when you apply.
|Funds for HEAP are limited. The program operates on a first come, first serve basis. This means that even if you qualify, you may not get HEAP because the program might run out of money for the year. So, apply for HEAP as soon as possible. You can apply for HEAP beginning in the fall of each year.|


xCrypt will list WEB and open trading for WEB/XCT trading pair. The specific time is shown below:
Deposit Start Time : October 20, 2019 5PM(GMT +2)
Trading Start Time : October 21, 2019 5PM (GMT +2)
About Webcoin :
Webcoin(WEB) is a utility ERC20 token based on the Ethereum blockchain. The WEB token serves as a unified currency for buying and selling services within the Webhits.io platform.
Webhits.io is an interest-based p2p web and social media service exchange platform. The platform’s mission is to provide tangible results, increase advertiser Return on Investment (ROI), and significantly lower the costs for website and social media engagement services globally.
A distinctive functionality trait of the platform is the innovative Social Mining feature that will fundamentally transform the relationship between advertising and cryptocurrency.
Token site: https://webcoin.today
Platform website: https://webhits.io
Risk warning: Cryptocurrency trading is subject to high market risk. Please make your trades cautiously. xCrypt will make best efforts to choose high-quality coins, but will not be responsible for your trading losses.
Thanks for your support!
Find us on :
Telegram : https://t.me/xcryptclub
Telegram News : https://t.me/xcryptnews
Medium : https://medium.com/@xcryptclub
Twitter : https://twitter.com/xcryptclub
Facebook : https://www.facebook.com/xcryptclub/
LinkedIn : https://www.linkedin.com/company/xcrypt
Instagram : https://www.instagram.com/xcryptclub/


Farmers Livestock Marketing Services
DTN Early Word Grains 06/02 05:40
Grain Prices Quietly Mixed After Senate Suspends Debt Ceiling
December corn is down 2 cents, November soybeans are up 1 cent and July KC
wheat is down 3 cents.
DTN Lead Analyst
EARLY MORNING GLOBEX NET CHANGES: December corn is down 2 cents, November
soybeans are up 1 cent and July KC wheat is down 3 cents.
CME GLOBEX RECAP: Early Friday, U.S. stocks are trading higher after the
U.S. Senate voted 63 to 36 to suspend the debt ceiling through January 1, 2025,
thereby avoiding a U.S. default. European and Asian stocks are also higher,
partly relieved by the latest vote. USDA's weekly export sales report is due
out at 7:30 a.m. CDT Friday, the same time as nonfarm payrolls and the U.S.
unemployment rate for May. Oil prices are trading higher ahead of OPEC's
meeting on Sunday.
OUTSIDE MARKETS: Previous closes Thursday showed the Dow Jones Industrial
Average up 153.30 at 33,061.57 and the S&P 500 Index up 41.19 at 4,221.02. The
10-Year Treasury yield ended at 3.61%. Early Friday, June Dow Jones futures are
up 167 points. European markets are higher with the spot futures of the London
FTSE 100 trading up 0.67%, spot futures of Germany's DAX trading up 0.89% and
spot futures of France's CAC Index trading up 1.04%. Asian markets are higher
with Japan's Nikkei 225 index up 1.21% and China's Shanghai Composite Index up
Get your local Cash Bids emailed to you each morning from DTN – click here
to sign up for DTN Snapshot.


Principal and President
Hal founded Patriot Self Storage in 2006, raising $100MM to develop self storage facilities in high-growth markets. Patriot Self Storage developed, built, operated, and ultimately sold two self storage facilities in Southwest Florida.
Hal learned and fell in love with the self storage industry while working as the Eastern Regional Vice President (“RVP”) for Public Storage Pickup Services, a subsidiary of Public Storage, the world’s largest self storage REIT. As the RVP, Hal was responsible for all aspects of the business for a third of the United States.
Throughout his career, Hal has been involved with growing companies:
Outside of work, Hal enjoys spending time with his wife and son golfing, fishing, cheering for Navy football, and watching rugby. He is a board member of the Boys and Girls Club of Sarasota County and a prior board member of Pine View School.
Hal holds a BS degree in Systems Engineering from the United States Naval Academy, Annapolis, Maryland, and an MBA in Finance and Entrepreneurial Studies from UCLAAnderson.
Principal and Chief Financial Officer
Jeff joined Patriot Storage in May 2017. Jeff has spent the majority of his career in real estate operations and finance:
Jeff has also held positions in private equity and investment banking focused on executing and managing transactions in the real estate, technology, financial institutions, retail, and industrial verticals.
Jeff enjoys spending his time with his wife and two daughters while trying to find more ways to spend time outdoors. He is an avid skier, swimmer, biker, runner, and college football fan having started at left tackle for the Stanford University football team while playing for Bill Walsh and Denny Green.
Jeff has a Bachelor of Arts in Economics from Stanford University and an MBA in Accounting and Finance from UCLAAnderson.
Copyright © 2018 Patriot Storage - All Rights Reserved.


Real Estate in Canada is regulated provincially, so for any questions about investing in Ontario (Toronto, Markham, Richmond Hill, Mississauga, Halton, Oakville, Brampton, Hamilton, Niagara Falls, etc), please feel free to talk to us. There is no restriction on how much and what kind of property you can purchase in Ontario. We would love to assist you and your family to invest or settle down in Ontario with a new home, a cottage, or an investment property. If you have any questions about investing in Ontario, just fill in the Contact Us Form and we will get right back to you.
The Non‑Resident Speculation Tax (NRST) is a 15% tax on the purchase or acquisition of an interest in residential property located in the Greater Golden Horseshoe Region (GGH) by individuals who are not citizens or permanent residents of Canada or by foreign corporations (foreign entities) and taxable trustees.
Land Transfer Tax vs Non-Resident Speculation Tax
The NRST applies in addition to the general Land Transfer Tax (LTT) in Ontario.
Properties subject to Non-Resident Speculation Tax
The NRST applies to residential properties containing at least one, but not more than six, single family residence(s). Examples of single-family residences include fully detached homes, semi-detached homes, townhouses, condominiums and apartment units. Examples of residential properties containing more than one family residence include duplexes, triplexes, fourplexes, etc.
NRST is not applicable to rental apartment buildings that contain more than six units, commercial property, industrial property, or agricultural property. Agricultural land containing a single residence is deemed to be exclusively agricultural.
When a property includes a residential component combined with another land use type, the NRST is only applicable to the residential component of the property.


Kentucky Bluegrass NCS Spring Section Zelle Instructions
To pay the Kentucky Bluegrass for the NCS Spring section meeting online, you will need a Zelle account. If you need help setting up Zelle, click here.
**NOTE**: Many thanks for everyone’s patience as we try accepting money this way for the first time. It appears that you can only use Zelle to send us money if your bank is already set up with Zelle. Contact your bank if you aren’t sure. If they are not, the only way to send us money is by check.
Once you already have Zelle set up, follow the instructions below to send money for your registration.
Step 1: Open the app, tap “Send”.
Step 2: Type in (502) 419-7938 into the search bar to pay Terri Donner for the Spring Section Meeting.
Step 3: Type in your total owed for registration. Tap “Review”.
Step 4: Add to the memo, “NCS Online Registration”. Tap “Send” and you’re done!


SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Pursuant to Section 13 or 15(d)
of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): September 15, 2017
(Exact name of registrant as specified in its charter)
(State or other jurisdiction
34175 Ardenwood Blvd., Suite 200
Fremont, CA 94555
(Address of principal executive offices, including Zip Code)
Registrants telephone number, including area code: (510) 745-1700
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
|☐||Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)|
|☐||Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)|
|☐||Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))|
|☐||Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))|
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☒
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒
|Item 5.02||Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officer.|
September 15, 2017, was Bryan Shaws last day of employment with Ardelyx, Inc. (the Company). Mr. Shaw served the Company as Vice President, Corporate Controller and Chief Accounting Officer from December 1, 2016 through September 15, 2017. The Company expects to provide Mr. Shaw with the severance benefits set forth in his previously filed Change of Control Severance Agreement, conditioned upon the receipt of a general release of claims against the Company.
In addition, on September 15, 2017, the Company appointed its current Chief Financial Officer, Mark Kaufmann, to the role of Principal Accounting Officer, effective as of September 15, 2017. Mr. Kaufmann has served as the Companys Chief Financial Officer since May 2014, and formerly served as our Chief Business Officer from August 2011 until May 2014. His compensation shall not change as a result of this appointment. Mr. Kaufmann has not been involved in any transactions that would require disclosure under Item 404(a) of Regulation S-K.
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
|Date: September 18, 2017||ARDELYX, INC.|
|Chief Financial Officer|


Wills and estate planning become much more complex if you are in a blended family situation, or if you are going through a divorce or separation. In this post, “blended family” is used to describe a family consisting of a couple and their children from this relationship and all previous relationships.
Child and Spousal Support
If you are paying child support, this should be acknowledged and addressed in your Will. Generally, amounts to cover your child support obligations should be carved out of your estate by a testamentary trust or by way of a life insurance policy. If you do not leave sufficient amounts to your children, they may sue your estate.
Your spousal support obligations may cease at the time of your passing, although this may not be true of the divorce/settlement agreement or divorce judgment provides otherwise. Your obligations after your death can also depend on whether you and your former partner were common-law (i.e., adult interdependent partners) or married.
Guardianship and Access Considerations
Normally if your child’s other parent (e.g., your former partner) survives you, he or she will become the Guardian of your child. However, your current spouse (i.e., the step-parent) will likely to continue a relationship with the child. You Will can express your desire that your current spouse have access to you child after your passing.
Enduring Powers of Attorney and Personal Directives
The spouse is appointed as the Attorney or Agent under the Enduring Power of Attorney or Personal Directive. In a blended family situation, the issue of choosing your Attorney or Agent can be much more complicated. Should you appoint your second spouse? Perhaps a child from the first marriage? Or a child from the first marriage together with a child from the second marriage?
There are several issues to be considered and addressed. For example, you may want to include a provision in your Enduring Power of Attorney that requires an annual accounting by your Attorney to your children from the first marriage. If you have significantly more assets than your second spouse, you may wish to include directions in the Personal Directive about how long you are to remain living independently if you become incompetent, in an attempt to minimize allegations by your former spouse or children from the first marriage that you are being kept in your home to provide accommodation and payment of expenses for your second spouse.
Wills and estate planning for blended families can tricky. Speak with a professional who can help guide you through the various issues involved.


By Dan Kennett and Paul Tomkins.
As first introduced as part of Pay As You Play, the Transfer Price Index (TPI) rests upon the basic economic concept of expressing all values in a constant currency no matter the year they took place. This is done by calculating the average transfer fee between two adjacent seasons and using it to either inflate (increase prices) or deflate (decrease) transfer fees from one season to the next.
TPI takes all transfer fees in the Premier League era and converts them to a Current Transfer Purchase Price (CTPP). This allows us to compare the relative costs of players, starting XIs, and squads over time.
Pay As You Play was published in November 2010 and CTPP was 2009/10 prices. This article provides an update on transfer inflation since publication.
In 1992/93 at the start of the Premier League, the average transfer fee was just £594,000
In 2010/11 the average value of a Premier League transfer went up 22.1% to £4.83m on 2009/10, only marginally below 2008-09’s all-time high of £5.06m.
The 2011/12 figures cannot be finalised until after the end of the January 2012 transfer window but the average transfer is currently up another 2.2% to £4.94m
The cumulative Transfer Price Index is running at 730% for the 20 year history of the Premier League compared to a Bank of England cumulative Consumer Price Index of 77.1%. This highlights the massive difference between standard daily life inflation and what we call ‘football inflation’, to show that saying “in today’s money” does not work with the traditional method (which is roughly ten times lower than TPI).
Cumulative TPI is not too dissimilar to the cumulative ticket inflation at top Premier League clubs as revealed by David Conn in The Guardian. This isn’t to say that the average transfer fee increases year on year regardless. Six seasons have seen a fall, most recently a significant post-credit-crunch crash of 22% in 2009/10. But the overall trend is clearly upward.
A simple example of how TPI can be used is to note that between 2002 and 2007 the average price of a transfer was around the £2m mark; so a player who cost £20m was ten times the average paid by clubs. In 2011, ten times the average is almost £50m. So a £20m player five or six years ago is akin to a £50m player today.
Early in the Premier League era, when the British transfer record was £5m (Chris Sutton to Blackburn), the average fee was roughly ten times less that amount. Currently, with the average fee at around £5m, the record is … roughly ten times that amount (Fernando Torres to Chelsea).
If inflation continues at the same rate as it has in the past decade, then in ten years’ time the average fee will be c.£8m per player, and the record fee paid by a British club will be around £80m. However, providing they can work it within the Financial Fair Play Rules, it’s not unthinkable to imagine Manchester City spending that amount on a player well before 2021.


Tesla (TSLA) received an Overweight rating from Morgan Stanley’s Adam Jonas on Wednesday on the basis of the electric vehicle maker’s software and services business.
This is the first time since 2017 that Morgan Stanley has lifted Tesla’s rating to the equivalent of a Buy. Jonas also raised his price target on the stock to $540 from $360. That’s about 22% upside from where the stock closed on Tuesday.
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