Rank To Acquire Gala Casinos
The Rank Group Plc (“Rank” or the “Company”)
Proposed acquisition of Gala Casinos Limited (“Gala Casinos”)
Rank announces that it has conditionally agreed to acquire Gala Casinos from Gala Coral Group Limited (“Gala Coral Group”) for a total cash consideration of £205 million (the “Acquisition”).
The Acquisition includes 23 casinos in Great Britain and three non-operating licences. Gala Coral Group’s casinos in Dundee and Gibraltar, its non-operating licence for the City of Westminster (London) and all of the central management functions previously associated with Gala Casinos are not included in the scope of the Acquisition.
The Acquisition presents a significant opportunity for Rank to continue to deliver sustainable value to shareholders through the development of its successful casino portfolio:
· Creates the largest casino operator in Great Britain by number of casinos with 58 operating venues and 13 non-operating licences
o Strongly positioned to capture the long-term growth opportunities presented by the British casino sector
o Significant opportunity to deploy Rank’s proven management expertise across an enlarged portfolio
· Accelerates Rank’s programme of estate expansion in Grosvenor Casinos
o Rebranding of Gala casinos extends Grosvenor brand into 11 new cities
o Roll-out of the proven ‘G Casino’ format to nine Gala casino locations. The ‘G Casino’ roll-out has historically generated over 20% year two cash on cash returns
· Expected to be earnings enhancing for Rank in the first full financial year of ownership
Rank intends to finance the Acquisition along with its related costs and expenses with new three-year bank facilities totalling £175 million together with existing bank facilities.
Commenting on the transaction, Ian Burke, chairman and chief executive officer of Rank said:
“We are delighted to have agreed terms with Gala Coral. This Acquisition will deliver a step change in Rank’s earnings by capitalising on our proven record of operational excellence in the British casino sector and will be earnings enhancing in the first full year of ownership. By rolling out the ‘G Casino’ format into the Gala estate and expanding the Grosvenor Casino brand into 11 new cities, we will accelerate the growing awareness of the brand and support the development of a multi-channel gaming business.”
The Acquisition, which is expected to be completed in the third quarter of calendar 2012, is conditional upon the approval of Rank shareholders and receipt of UK merger control clearance.
A circular including details of the Acquisition and containing notice of a general meeting of the Company (the “General Meeting”) (at which a resolution seeking Rank shareholder approval for the Acquisition will be proposed), will be despatched to shareholders as soon as practicable (the “Circular”).
Rank has received an irrevocable undertaking from its majority shareholder, Rank Assets Limited (a wholly-owned subsidiary of Guoco Group Limited), to vote in favour of the resolution to be proposed at the General Meeting.
Evercore Partners is acting as sponsor and financial adviser to Rank in relation to the Acquisition. Investec is acting as corporate broker to Rank.
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As an employer Henkilöstöliiga is a secure and sure business which has been in the field for a long time. In regards of wages we strictly adhere to the sector specific collective agreements. An employer’s hourly wage is determined based on the assignment, collective agreement and competence. Even if the place of employment were to change, Henkilöstöliiga will remain as your employer. We will take care of all the employer’s statutory duties, like holiday compensation, social security payments and insurances in the normal fashion.
All our services are free for the job-seeker. In 2016 we employed over 500 people, the amount of money we paid as wages was approx. 2,5 million euros.


I have always thought that using coupons was a waste of time. A few months ago, a friend of mine started couponing on a regular basis and was saving "LOTS" of money on groceries and other items. I decided I wanted to save up to 50% on my grocery bill using coupons too. I started purchasing Sunday Newspapers with coupon inserts in them...at least two a week. I also used Internet coupon sites to print off coupons and found website for specific products where they also offer coupons. I purchased a box to organize all my coupons...and I was ready to go.
I started "following" many different blogs that helped me understand all of that couponing lingo...and was very psyched about saving money. One store that I always thought was "overpriced" and didn't understand why people would shop there was CVS. Granted, I got any prescriptions there...but never would think to buy my shampoo, laundry detergent, deodorant, toothpaste, etc. there....but BOY was I WRONG!!! CVS is a great place to use coupons. I was already a CVS EXTRA CARE rewards member..and every week CVS runs great specials for those with EXTRA CARE cards. They also have a coupon center that you can scan your card at daily to receive coupons for your CVS purchases....as well as they have a Green Bag tag that costs $1. You can scan the card once per day with a purchase (if you have a "green bag") and after it is scanned four times you receive a $1 ECB to use on another purchase. I have been shopping at CVS weekly since I started using coupons...but never really had anything to write about until today!!! I visited one of the blogs that I visit daily Couponing to Disney and she was hosting a Bargain Brag Tuesday link. I visited Friend Family Savings and saw what she had purchased at CVS this week for only $1.43. So I found the coupons I needed to almost duplicate her purchase and........
Here is what I bought
(2) Betty Crocker Warm Delights $1 ea
(2) Nivea Body Wash 16.9 oz. $4.88 ea
(2) Nivea Lip Care $2.99 ea
(2) Dawn Hand Renewal Dish Soap $.97 ea
(4) Tic Tac singles $1.39 ea
(2) $.50/1 Betty Crocker Warm Delights (printable here)
(1) $4.00/1 Nivea Body Wash RP insert 5/2
(1) B1G1 Nivea Body Wash from All You (May 10)
(1) $1/1 Nivea Lip Care RP insert 5/2
(1) B1G1 Nivea Lipa Care from All You (May 10)
(1) $2/2 Body Wash (CVS coupon printed from coupon center – details here)
(1) $1/2 Dawn Hand Renewal for P& G insert 5/2
(2) B1G1 single Tic Tac from RP insert 5/2
$6 ECB from previous purchase
= $0.08 OOP!!!!!!!!
PLUS I received $5 ECB for buying $15 in Nivea products
Total: A $4.92 Money Maker (including the $.25 green card scan it would really be a $5.17 Money Maker!!!


Mr. Speaker, today I rise to speak to the tenth budget of a tired, old and corrupt Liberal regime.
Monsieur le président, je prends la parole aujourd'hui au sujet du dixième budget d'un régime Libéral fatigué, vieux et corrompu.
It is a Liberal regime mired in scandal. It is a Liberal regime wishing to shake its past. It is a Liberal regime that cannot be trusted to manage our public funds.
This budget tried to make one claim. It tried to say that this government can be trusted to manage public funds. But what is the reality?
We have continued record spending levels. The government has been exposed as ripping off the taxpayer in scandal after scandal. The government has been exposed as wasting dollar in program after program. And this budget will change none of those things.
Ottawa remains knee deep in cash - hidden surpluses will continue. A few short years ago, the Government of Canada had projected program spending of just over $100 billion dollars. This budget projects program spending well over $150 billion dollars. That is an increase of 50 percent.
There is no return of tax dollars to overtaxed Canadians and Canadian families. There is no reduction in onerous tax levels. And the pledge to do better in the future is empty. It is empty because this government, and this prime minister, has had ten years to do better.
He was the one writing the cheques for the sponsorship scandal. He was the one writing the cheques for the HRDC boondoggle. He was the one writing the cheques for the useless gun registry. His promises to clean up the mess are simply not credible.
He had his chance. And he missed his chance.
Paul Martin then vs. Paul Martin now.
Monsieur le président, ce gouvernement a bénéficié de 10 années pour se poser en bon gestionnaire financier.
Ce premier ministre a bénéficié de 8 budgets pour mettre en place des changements afin d'améliorer la gestion des fonds publics. Et il n'en a rien fait.
Dans les discours des précédents budgets, il a répété qu'il contrôlait bien les dépenses publiques. Maintenant, le premier ministre dit qu'il n'avait « aucune idée » de ce qui se passait dans le scandale des commandites.
Mr. Speaker, this is the tenth budget of this tired, old and corrupt Liberal regime. The first eight budgets were delivered, as Canadians know, by the current prime minister. Before turning my attention to today's budget, I want to take a small detour through some of those earlier budgets.
Mr. Speaker, in those early budgets, the Prime Minister, who was finance minister at the time, took full responsibility for the spending program of the government. The message of those budgets was clear: your finance minister is in control of taxpayers' dollars.
In his 1995 budget speech, the current prime minister said the following:
The government has just introduced a new and much tighter system to manage its spending.
For the first time, departments will have to prepare business plans for three years forward. that transparency and that accountability will mark a major departure from the past.
Individual ministers are being asked to alter their funding approach accordingly. They will be held accountable for their decisions and those decisions will be reviewed annually.
Reviewed annually, one can only assume, by the minister of finance, or at least by Treasury Board, on which the minister of finance was the vice chair.
The year 1995 is significant. That is the year in which the Liberal government nearly lost the country. That was also the year in which the Liberal government decided to create a sponsorship program.
Allow me to rephrase that:
The year that the Liberals created the Sponsorship Program was also the year in which the current prime minister put in place "a new and much tighter system to manage its spending."
Of course, most Canadians remember 1995 as the year in which government cut billions of dollars from the health care system.
Allow me to rephrase that:
The year that the Liberals created the Sponsorship Program was also the year in which the current prime minister massively cut spending on health care.
The 1995 budget put forward four priorities.
The very first priority was to:
Reform government programs and procedures to eliminate waste and abuse and ensure value for the taxpayer's dollar.
This promise was repeated in his 1996 budget speech:
If there is one area where we must never let up, it is the effort to root out waste and inefficiency.
And in his 1998 budget speech:
The battle to root out waste and inefficiency can never end.
Now, allow me to rephrase all of that:
The year in which the Liberals created the Sponsorship Program was also the year in which the current Prime Minister first vowed to root out waste and abuse of taxpayer dollars.
And now this budget, once again, tries to establish the government as "prudent managers." The government has made a number of recommendations to tighten spending. They want to re-establish the office of comptroller general. Canadians are rightly asking, "you mean you don't have one now?"
And the answer is, no. The answer is "no" because the current Prime Minister cut this office in his first budget as finance minister.
They want to appoint professionally accredited comptrollers. And Canadians are rightly asking, "you mean they aren't accredited now?"
And the answer is no - because the Prime Minister never thought it necessary to establish them.
The want to bolster the audit function, they want "real-time information systems" and "public disclosure of contracts." And again, Canadians are rightly asking, "you mean they don't do that now?"
And the answer is no, because the Prime Minister never thought it necessary when he was finance minister.
Why should Canadians believe any of these promises when the Prime Minister had ten years - ten years as finance minister - to make them happen?
The Prime Minister cannot have it both ways. He cannot claim, on the one hand, to have had a tight reign on spending, and at the same time, not created the most elementary spending control mechanisms that this scandal has finally driven the government to recommend.
The Prime Minister cannot have it both ways. He cannot claim, on the one hand, to have "reformed government programs", to have "eliminated waste and abuse", and at the same time claim that he had absolutely no idea that $100 million dollars was being shovelled into the hands of Liberal friends.
Yet, that is exactly what the Prime Minister is saying today.
Allow me to quote from some more recent statements.
On February 10:
I had no idea what was going on here.
On February 11:
I didn't know anything about it.
On February 16:
Did I know that people were kiting cheques, that people were making payments that were inappropriate, did I know all of those things?... The answer is absolutely not. I did not know that.
These claims to ignorance and innocence are no more believable coming from the Prime Minister than they are coming from Alfonso Gagliano.
The current budget
Le Premier ministre veut croire qu'il représente le changement. Il est bien loin de la vérité.
Ce Premier ministre a eu 10 ans pour tenir ses promesses, comme la création d'un poste de commissaire à l'éthique indépendant, plus de votes libres, et un meilleur programme d'infrastructure pour répondre aux besoins de nos municipalités.
Ce Premier ministre a manqué l'occasion de réaliser toutes ces choses et il ne mérite pas une seconde chance.
Yesterday's budget continues the theme put forward by the Prime Minister in a speech last week. The Liberals want Canadians to believe that they represent "change". "Trust me," says the Prime Minister, usually with some reference to "high water" and "hell."
Why should Canadians trust this Liberal government? For ten years, this Liberal government has refused to create a genuinely independent ethics counsellor. For ten years, this Liberal government has failed to give its members free votes. For ten years, this Liberal government has failed to allow Parliament to review appointments. For ten years, this Liberal government has failed to prudently spend Canadians' tax dollars. For ten years, this government has failed to deliver municipal infrastructure programs that adequately meet the needs of our communities. For ten years, this government has failed to clean up contaminated sites like the Sydney Tar Ponds.
And these are just some of the promises made by the Liberals repeated - made in the first Liberal Red Book in 1993; made in a book written by the current Prime Minister himself.
Mr. Speaker, promises of change from this Prime Minister are no more believable today than they were ten years ago. He had his chance. And he missed his chance. And that is why Canadians should not believe the promises in this budget.
Budget promises: don't hold your breath
Allow me to briefly touch on some of the items in this budget.
Ce budget s'efforce de présenter le gouvernement comme un bon gestionnaire financier. Et pourtant, il n'y a toujours pas de changements au registre des armes à feu. Les membres du gouvernement continuent de se déplacer dans des nouveaux avions à réaction, alors que l'armée se contente de vieux hélicoptères.
Ce gouvernement veut parler de faire le ménage dans les dépenses gouvernementales afin de dissimuler le montant des sommes gaspillées au cours des 10 dernières années.
Le budget fait quelques promesses positives pour les soins de santé et l'éducation, mais ce ne sont guère plus que des vieilles promesses des dernières années qui sont réutilisées.
Le budget se prononce en faveur d'une plus grande ingérence du fédéral dans les champs de compétence des provinces - en particulier dans le domaine des villes.
Il n'y a pas d'argent pour l'armée, il n'y a pas de limite à l'arnaque de l'assurance-emploi. Et par dessus tout, il n'y a pas d'allégement fiscal pour les canadiens et leurs familles.
The government has made promises to clean up spending if the Canadian people re-elect it.
This promise is little more than empty rhetoric. There are no plans to scrap the firearm registry. There are no plans to reduce corporate welfare. The government is still flying brand new jets while the military has to make do with dilapidated helicopters.
This government wants Canadians to believe that they are good managers because they balance the budget. It wants Canadians to trust their fiscal management of money, even thought it is padding the budget for future spending without any controls.
This government has a dismal record of fiscal management, and no amount of balanced budgets is going to gloss over the sponsorship scandal, the gun registry or the HRDC boondoggle.
To repeat, it was the current Prime Minister who first weakened the comptroller functions of government in 1994. In 1995, the Prime Minister promised a program review, yet he would have us believe that the sponsorship scandal somehow escaped his attention.
This government is no more likely to clean up spending today than it was likely to eliminate the GST in 1993. This is just empty rhetoric to hide the lack of real action to eliminate waste.
The EI rip-off will continue. The overspending on the gun registry will continue. And this government creates a tremendous amount of room for the spending scandals of the future. Governments spending is still rising at record rates - spending this year will double the growth in our economy and our population.
Spending is rising, but outcomes are not changing. Our waiting lines are not shrinking. Our students are still piling up debt. Our soldiers are dangerously unequipped.
The government continues to hide large surpluses, and then blow them in end-of-year bonanzas - this budget continues this disturbing trend.
There is a better way. That better way is to return these massive surpluses to Canadians and Canadian families in the form of tax reductions. We should be putting more money in the pockets of hardworking taxpayers.
What is this government's approach to tax relief? It allows our inadequately equipped soldiers, who are under fire when wearing the wrong-coloured uniforms, to earn their money tax free. What kind of message is this government sending? Only if you are under fire, and lack the adequate protection because of the misplaced priorities of this government, will you get a reduction in your taxes.
The government is setting a debt-to-GDP target for reducing the debt. Interest costs are still a burden on our public finances, and the debt must be reduced so those interest costs can fall.
Can this promise be believed? I would urge the government to copy other governments in Canada by bringing in a legislated debt reduction plan - to put its promise into legislation.
On health care, the government is repeating the promise to provide an additional $2 billion for health care. It is also moving forward on the establishment of a Canadian public health agency. These are developments that we support.
However, I must ask why the public health agency is taking so long. It has been well over a year since SARS hit Canada. Yet the Liberals have yet to appoint a chief public health officer or start to create the new agency.
The same can be said about the Health Accord signed with the provinces. While we continue to support the Health Accord, I am increasingly worried about the inability of this government to follow up on its commitments made in that accord.
On students, the budget promises to expand the student loan program. It also promises to remove barriers to low income Canadians seeking to further their, and their children's, higher education.
These are noble goals.
I would point out, however, that this is not the first time that this government has promised to increase assistance to students - and its track record has been rather abysmal.
This government has not met any of its education targets set out in its 1998 budget - the Prime Minister's so called "education budget." The Millennium Scholarship Program has been a flop according to the government's own review of the program. Most of the other programs announced in 1998 have failed to deliver half of the money promised.
On agriculture, the budget promises an aid package for farmers hit by the BSE. This aid is long overdue, and much needed in this industry. Canada's case of BSE was detected ten months ago, and our beef industry has been suffering since. The announcement of aid for farmers was a staged campaign announcement instead of a genuine act of support and compassion for our ranchers and their families.
In the past, we have seen many programs which look good when announced, but which do not translate into meaningful monetary help for those who need it. I call upon the government to ensure that the money actually makes it to our ranchers and producers immediately - without delays, and without political interference.
On infrastructure, this Prime Minister has spent the better part of the last two years talking about "a new deal for cities". Yet to date, he has delivered precious little. He wants to keep in place boondoggle programs like the federal infrastructure program. He has already waffled on using gas tax revenues for infrastructure spending. And he has failed to talk about issues beyond Canada's big cities.
His failure to deliver on these issues simply confirms that this prime minister cannot be trusted to keep his promises.
On environment, this government is continuing down the path of making grand announcements, without focusing on providing real solutions to real problems.
The Liberals say that they want to restore Canada to a place of pride in the world. Yet for ten years, Canada has seen a dramatic drop in its standard of living, and a widening productivity gap compared to the United States, Ireland, the Netherlands and other countries.
The Prime Minister reserved his deepest cuts for the men and women who so proudly served Canada in the military. And this budget restores absolutely none of that spending. This is a strange way to improve Canada's standing in the world.
And then there are the black holes in the budget. There are programs that are the next Sponsorship, the next HRDC, or the next gun registry.
I refer to $250 million in new money for the Business Development Bank to dole out corporate welfare. I refer to billions in politically directed infrastructure funds. I refer to $90 million in a northern economic development strategy. I speak of $605 million in undetermined spending in the security contingency reserve. This is but a partial list of budget items which the tired, old and corrupt Liberal party put forward to demonstrate change.
The Conservative Party represents real change.
Si les Canadiens souhaitent que les choses changent, et je crois que c'est ce qu'ils souhaitent, cela ne se fera pas grâce à un ensemble de promesses recyclées et vieilles de 10 ans de la part du Premier Ministre.
Ils ne trouveront le changement qu'en changeant de gouvernement. Seul un nouveau gouvernement conservateur changera la façon d'utiliser les impôts.
Seul un nouveau gouvernement conservateur rendra son intégrité au processus politique. Seul un nouveau gouvernement conservateur mettra plus d'argent dans les poches des Canadiens, plutôt que dans celles des compagnies de publicité.
Nous accomplirons toutes ces choses, et même plus, parce que nous ne sommes pas compromis dans des scandales.
Nous accomplirons toutes ces choses, et même plus, parce que nous ne sommes pas impliqués dans 10 ans de mauvaise gestion.
Nous accomplirons toutes ces choses, et même plus, parce que nous n'avons pas à prouver aux Canadiens que nous pouvons gérer leur argent.
Nous accomplirons toutes ces choses, et même plus, parce que nous représentons ce qu'espère et souhaite la majorité silencieuse des Canadiens.
If Canadians are looking for change, and I believe that they are, they are not going to find it in a bunch of recycled, ten year old promises from this Prime Minister. They are only going to find change by changing the government.
Only a new Conservative government will change in the way tax dollars are treated.
Only a new Conservative government will return integrity to the political process.
Only a new Conservative government will put dollars in the pockets of Canadians, rather than in the pockets of ad firms.
Only a new Conservative government will transfer gas taxes to infrastructure projects in all corners of Canada.
Only a new Conservative government will give rural communities and rural livelihoods the respect they deserve.
Only a new Conservative government will protect children and respect families.
Only a new Conservative government will restore funding to our armed forces.
Only a new Conservative government will eliminate, not just cut, the air tax.
Only a new Conservative government will stop the EI rip-off.
We will do these things, and more, because we are not encumbered by scandal. We will do these things, and more, because we are not encumbered by ten years of mismanagement. We can do these things, and more, because we do not have to prove to Canadians that we can manage their money.
We will do these things, and more, because we represent the hopes and desires of the majority of unheard Canadians. We will do these things, and more, because for the first time in ten years, we can present a united conservative choice to Canadians.
We will listen to those in Atlantic Canada who desire greater control over their own destinies and over their own natural resources. We will respect those in Quebec, with their own unique language and culture. We will hear the majority of unheard Ontarians who are demanding accountability and sound fiscal management. We will welcome the West into the corridors of power.
The new Conservative Party represents real change for a better government for all Canadians.
Monsieur le président, ce budget met en évidence les différences qui existent entre les Libéraux fatigués et notre nouveau Parti Conservateur.
Notre nouveau Parti Conservateur ne s'embarrasse pas de scandale. Notre nouveau parti conservateur n'a aucun souci à suivre notre vision qui consiste à offrir un gouvernement bon et propre pour le bénéfice de tous les canadiens.
This budget demonstrates the difference between the tired old Liberals and our new Conservative Party.
The old Liberal party is so focussed trying to restore its image that it has little else to propose.
Our new conservative party is not encumbered by scandal. Our new conservative party has no obstacle to interfere with our vision of providing good, clean government for the benefit of all Canadians.
It is a vision of cleaning up waste. It is a vision of reducing taxes for Canadians and their families. It is a vision of providing sustainable, public health care. It is a vision of continuing to clean our water, clean our air, and clean our land, and to do so with a clean government.
It is a vision about which Canadians will be hearing much more in the coming weeks and months.
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Press Releases |


Trump's 'Sadomasochistic' Recession Gives China The Last Laugh
Larry Summers is as blunt as economists come. The onetime U.S. Treasury secretary also has a knack for apt analogies that bring the dismal science to life.
Case in point: Summers calling Donald Trump’s brawl with China a “sadomasochistic and foolish trade conflict.” He did just that Sunday in an interview with CNN’s Fareed Zakaria. Separately, Summers told Bloomberg that the U.S. and world economies are at their riskiest moment since the 2008 crisis.
"Sadomasochistic" certainly fits when you consider how Trump is hitting China with all Washington’s got, and hurting the U.S., too. Summers is hardly alone in fearing the Trump Show ends in recession. Goldman Sachs also fears Trump’s China trade brawl will end in a downturn heading into the 2020 election.
Granted, Goldman Sachs isn’t formally predicting a recession. It is merely telegraphing the growing odds of one. Connecting the dots, though, it is hard not to fear the worst. Goldman Sachs economists, for example, just lowered their fourth-quarter forecast for U.S. growth to 1.8%. That isn’t much of a cushion, considering how global uncertainty is savaging corporate spending and investment and consumer sentiment.
Summers, though, has seen more than his fair share of financial madness. I was among the handful of journalists who traveled with him around Asia in 1997 when the region’s economies were ablaze with contagion. That was when he was deputy Treasury secretary under Robert Rubin. That’s the first time I heard Summers compare an economic policy to sadomasochism. The reference then was to Asia’s competitive currency devaluations, which only panicked markets even more.
Later that year, his team contended with the collapse of Yamaichi Securities, one of Japan’s biggest brokerages. In 1998, Russia defaulted, pushing the global financial system back to the brink. A decade later, Summers was on fire-brigade duty again after the collapse of the Lehman Brothers while serving as head of Barack Obama’s National Economic Council.
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Summers isn’t always right. There are valid criticisms that his different teams are too heavy handed toward Asia in 1997, and too easy on reckless Wall Street bankers a decade later. But when an economist this battle tested warns Trump is blundering his way toward ruin, it’s best to listen. Especially given how all this is playing out in Beijing. China, after all, is getting the better of the U.S., one Trumpian own goal at a time.
Is President Xi Jinping enjoying the trade war? Heavens no. The $250 billion of goods Trump has taxed at 25% for more than a year just produced the slowest Chinese growth in 27 years–6.2% in the first quarter. The additional $300 billion this White House will tax at 10% is a fresh headwind at arguably the worst possible moment.
There’s no doubt that Trump is greatly complicating Xi’s plan to dominate everything from renewable energy to semiconductors to self-driving vehicles to robots to artificial intelligence by 2025. Xi has hoped to rely on China’s export engine a bit longer, while his team of reformers enlivened innovation and high-value-added industries to replace factories, smokestacks and low-wage jobs.
Trump’s tariffs forced Xi to throttle back on "Made in China 2025." It is fair to say, too, that Trump throwing sand into China’s export machinery moves Xi toward greater statism. On the one hand, it’s the growth strategy Beijing knows best. On the other, any move to placate Trump would likely have state-owned enterprises buying up U.S. soybeans, cars, you name it.
Even so, Aesop’s fable about the tortoise and the hare may be the best lens to view Trump-versus-Xi. Trump is the hare, of course. He’s racing full speed ahead with his tariffs and threats, all confidence and hubris. Xi is plodding along, policy-wise, keeping his eyes on the 2025 prize and beyond. The risk is that, like the hare, Trump’s America burns out only to see the steadily progressing turtle–China–reach the finish line first.
Among Trump’s biggest missteps: an epic misunderstanding of how the global trading system has changed since the 1980s. Back then, Trump the real estate magnate railed against an ascendant Japan. In the late-80s, Trump routinely appeared on television talk shows complaining that Tokyo had “systematically sucked the blood out of America–sucked the blood out! They have gotten away with murder. They have ended up winning the war.”
This language will sound familiar to Xi’s Communist Party. Yet Trump’s stuck-in-time worldview ignores that neither America nor the Group of Seven nations calls the shots anymore. Back in 1985, G7 officials had the clout to devalue the dollar versus the yen–to have their way with markets. In today’s increasingly multi-polar system, such groupings have far less influence.
In the 80s, tariffs might’ve worked to some extent. That was long before China, India, Indonesia and other manufacturing powers came online. Today’s wage disparities mean tariffs aren’t going to pull millions of jobs back to America. It's more likely to just drive them to relocate from China to Vietnam and the Philippines.
Nothing about Trump’s assault on China makes the U.S. more innovative or productive. Nothing about the rate cuts Trump is bullying the Federal Reserve to adopt will increase corporate competitiveness or the quality of America’s labor force. Nothing about Trump’s embrace of 1980s-style of trickle-down economics will raise growth into the 3% to 4% range and fatten paychecks.
Why, then, would Trump be engaging in risky China-focused activity that courts a U.S. recession? Goldman Sachs will not be the last to warn about the R-word. In his Bloomberg interview, Summers indulged in other metaphor. “You can often play with fire and not have anything untoward happen,” he said, “but if you do it too much you eventually get burned.”
Again, Xi isn’t enjoying the trade war. But only Trump faces an election next year. And only Trump can reduce the boomerang effect of his own policies hitting the U.S. economy. Sadomasochistic and foolish, indeed.
I am a Tokyo-based journalist, former columnist for Barron’s and Bloomberg and author of “Japanization: What the World Can Learn from Japan’s Lost Decades.” My journalis...
- ©2019 Forbes Media LLC. All Rights Reserved.


How do you handle splitting a check at dinner when no one has cash? Does everyone throw in their credit card? That is an option, or you have one person pay,and everyone can venmo that person their share. Through the years here at CFC we have worked with our fair share of large group orders. Such as, bachelor/bachelorette parties, family reunions, military units, sports teams and more. These are all fun and exciting, but tough when when the bill needs to be paid. So here are some awesome apps to help make that process easier!
Venmo is a free and secure payment app that allows you to transfer and/or request funds easily. This app has really immersed itself as leader the last few years and a lot of us at CFC use it regularly.
Splitwise is an app that allows you to split a purchase amongst your group and settle up at the end via Venmo. Think about going out with a group of people and one person pays for the bill at the restaurant, but you are going to get drinks after and another person pays for those. Splitwise will calculate the appropriate amount each member of the group owes. This app works great for trips with friends as it tracks all expenses and charges each person accordingly.
Kickstarter/GoFundMe are great when you have an idea and know it will go viral, but the initial expense is too much for you to pony up right away. You simply put your idea (flag) on one of these sites and wait until the campaign is funded. Then you can easily place the order and fulfill the product everyone was paid for when production is complete.
It certainly is amazing how far finance technology has come along, and how much less stress there is to get payment from friends or larger groups.


Last weekend whilst scrolling through the BBC news app, I stumbled across an intriguing podcast named “The missing Crypto Queen”. As a follower of the fintech and cryptocurrency scene, I have a reasonable understanding of Bitcoin, some of its smaller counterparts, and the basics of blockchain technology. Onecoin was completely new to me and so I thought I would subscribe to the podcast.
The 8 episode series runs through the story of one of the largest pyramid scams the world has seen, which took an estimated £100mfrom UK based investors over a 3-year time frame (The Times).
With the ongoing coronavirus situation and the prevalence of financial scams that are bound to follow this podcast provides both a timely and cautionary tale to the risks of purchasing unregulated financial products and the perils of financial speculation. Such ponzi schemes can appear to be legitimate investments to the unwary and the vulnerable.
As part of the financial service industry we know all too well the importance of conducting comprehensive due diligence. Feel free to share this with your clients as it may help to educate those not cognizant of such dangers.
More information on the podcast can be found on BBC sounds (https://www.bbc.co.uk/programmes/p07nkd84)


Major news broke on Thursday when it WSOP NV announced they are now accepting PayPal for online poker deposits. PayPal agreeing to soften their stance on gambling deposits is huge for the regulated iGaming industry and has given iPoker players a trusted third-party payment processor to fund their accounts.
We often use the phrase “good for poker” when referring to positive developments. WSOP NV now accepting PayPal is fantastic for poker and today we look at a few reasons why PayPal will be fantastic for the regulated iGaming industry.
Trusted E-Wallet With Massive Following
PayPal is easily the most trusted e-Wallet in the United States and one of the most popular in the world. Many of us either have PayPal accounts or have made a payment to someone using PayPal’s payment system.
A large number of e-merchants in the United States have added PayPal to their checkout options due to the popularity of the e-Wallet so it makes sense that WSOP.com explored this option.
PayPal now offers players a third-party deposit option that has a proven track record and has been devoid of connections with online poker scandals in the past.
Opens the Door for Other Operators to Offer PayPal
Now that WSOP.com NV is offering PayPal as a deposit option, it is a matter of time before this expands to other operators. By PayPal allowing WSOP NV to accept deposits for online poker, they have set a precedent that other sites can take advantage of.
In the upcoming months, expect most operators to add PayPal to their list of deposit options and don’t be surprised to see them offer an incentive for players to make a deposit via PayPal.
We feel confident in predicting that by the time Pennsylvania or California goes online; all licensed operators will be offering PayPal as a primary option for funding accounts.
Peer to Peer Transfers Returns to Online Poker
One of the major benefits that players enjoyed with unregulated online poker was the ability to transfer funds via a peer-to-peer transfer. Now that PayPal is a deposit option in regulated online poker, peer-to-peer transfers have also returned.
Some may argue that players could have used NETELLER to make personal transfers, but we know that the popularity of the medium was limited. PayPal is a popular option that was used as an offsite option for moving around funds pre-Black Friday.
Of course, if you sent money to someone via PayPal, they would have to cash out from their account and then transfer funds back onto the site using a bank account or other third-party payment processor.
Now with PayPal, if someone sends you $100, you can take that money and immediately deposit it online. While PayPal transfers may not be as ideal as intraclient transfers, it does give players a third party option to make transfers that’s safe and secure.
California online poker, PayPal, regulated iPoker, WSOP NV, WSOP.com


Geosite, the company that builds business intelligence software leveraging cutting-edge spatial data and AI, today announced that Lisa Wardlaw has joined the team as the Global Head of Insurance. Wardlaw will lead the company’s expansion into the insurance industry as Geosite brings the power of innovative technologies to improve loss ratios and provide greater customer satisfaction across claims and underwriting departments.
Wardlaw has had a long and impactful career in the insurance space driving a digital transformation of the industry through the adoption of new technologies. Most recently, Wardlaw led Global Insurance Solutions for space constellation company, ICEYE, where she pioneered the application of satellite technology to the catastrophe market. Previously, Wardlaw drove transformation in the insurance industry at Farmers Life Insurance as Strategic Chief Financial Officer and was Global Chief Digital Strategy & Transformation Officer for Global Reinsurance at Munich Re.
“I am excited to be joining a young and dynamic team that is set on disrupting the insurance industry,” says Wardlaw. “There is huge potential for authentic and industry-changing innovation in insurance, and the geospatial market remains untapped. I am honored to help Geosite leverage data to reimagine the entire customer experience starting in the claims and underwriting processes as we establish new industry expectations of curated experience for both customers and providers.”
“Lisa’s vision of a more modern, technology-driven insurance industry aligns seamlessly with Geosite’s mission of using spatial data to not only improve business operations but ultimately help people during some of their darkest moments,” says Geosite CEO and Founder Rachel Olney. “Her energy and passion for driving towards new solutions is infectious, and we’re incredibly excited to have her leading this charge.”
Geosite fuses and streamlines geospatial imagery from drones, satellites, and remote sensors, as well as AI analytics and IoT devices into an intuitive software platform to provide actionable insights for underwriting new business segments, rapid disaster claims processing, fraud detection, and data-driven pricing.
Geosite is currently partnered with MS&AD, one of the world’s largest insurers, to accelerate claims settlements following large-scale natural catastrophes such as typhoons and torrential rains. Geosite’s software integrates aerial and satellite imagery to speed claims payouts so MS&AD’s customers can get back on their feet faster, all while reducing costs. Wardlaw will build on the company’s early successes to bring on additional partners and continue expanding Geosite’s footprint in the insurance industry.


Today I want to testify of the overwhelming generous provisions that God has made for us over the last 6 months. When Bruce resigned as senior pastor, without having a firm lead on a new job at the time, I admit, I was anxious to see how God was going to work all this out....and boy has He....the glory and thanks go to HIM, it's nothing we have done, just the sweetness of a loving Father God taking care of His kids.
Here's a list of things:
1. Through the generousity of a very kind person, we were able to eliminate almost all our credit card and medical debt. This was such an incredible gift. I can't go into all the details, but suffice it to say, that the amount we were gifted was so close to the amount we owed it can only be attributed to God.
2. God provided a steady job for Bruce within days of his unemployment.
3. God provided an UNEXPECTED new ministry job for us within 2 months....we thought it would be much longer....but He had different plans.
4. He provided free housing (albeit an RV) while we waited for our home to sell in Gunter
5. He provided a new home for us to buy while we still owned our home in Gunter
6. He has provided renters for our home in Gunter who are willing to live there, take care of the place and it still be on the market to sell.
7. He provided us with a generous church family who recently pounded us with an enormous kitchen pounding....in fact we are still receiving things....3 bags came in yesterday!
8. He provided us with fresh meat.
9. He provided someone to repair our car for only the cost of parts
He is good! I don't want to take these blessings for granted. I want to have a heart of thanksgiving every day.
Thanks be to God for his unspeakable gifts!


Hong Kong is one of the world's freest economies. World-class talents, first-rate infrastructure, robust legal system, low and simple tax regime - these are just a few of the many advantages that this unique city offers. For Mainland companies going global, and overseas enterprises entering the Mainland market, Hong Kong is your perfect gateway.
Hong Kong's appeals:
Hong Kong welcomes investors and enterprises from all over the world to come here to do business. Get an overview of Hong Kong's tax system, employment, Mandatory Provident Fund scheme, market information and statistics as well as entry arrangement for investment in Hong Kong, etc at
http://www.gov.hk/en/nonresidents/investinghk/ to assist your business planning.
It is fast, easy and affordable to set up a business in Hong Kong. Here is the general procedure:
As one of the teams set up in the Mainland by Invest Hong Kong of the Government of the Hong Kong Special Administrative Region, the main missions of the East China Investment Promotion Unit (IPU) are to promote the business advantages of Hong Kong to the one municipality and 4 provinces (Shanghai, and the provinces of Zhejiang, Jiangsu, Anhui and Shandong) regions covered by the Shanghai Economic and Trade Office, encourage Mainland companies in those regions to open or expand their overseas businesses in or through Hong Kong and assist investors to set up offices in Hong Kong. For Mainland companies interested in setting up offices in Hong Kong, the IPU offers a series of free advice and support services, including:
Should you have specific questions about investing in Hong Kong, please contact:
East China Investment Promotion Unit
Tel: (8621) 6351 2233
Fax: (8621) 6351 9268
Address: Room 2101, 21/F, The Headquarters Building, 168 Xizang Road (M), Huangpu District, Shanghai, China (Postal Code: 200001)
Established in July 2000, Invest Hong Kong is a department under the Government of the Hong Kong Special Administrative Region and is responsible for promoting direct foreign investment in Hong Kong and supporting overseas and Mainland companies to set up or expand their businesses in Hong Kong. Invest Hong Kong provides free and customised services and practical support to help companies utilise the business advantages of Hong Kong and succeed in the vibrant economy. As of December 2013, Invest Hong Kong has completed over 3,090 investment projects, creating over 34,900 new jobs in the first year of operation or expansion. The total investment amounts to HK$82 billion. For more information, please visit http://www.investhk.gov.hk.
The objective of the Capital Investment Entrant Scheme is to facilitate the entry for residence by capital investment entrants (the entrant), i.e. persons who bring capital to Hong Kong but would not be engaged in the running of any business here. The entrant is allowed to make his choice of investments amongst permissible assets without the need to establish or join in a business.
The Scheme is applicable to:
For detailed information, please refer to the following link of the Immigration Department of Hong Kong:
Capital Investment Entrant Scheme


McAndrew Martin’s chartered surveyors helped save a house buyer £1,500 on a property after identifying an issue with drains.
The purchaser approached us for a RICS Homebuyer report after deciding not to rely on the mortgage lender’s valuation survey alone.
Our RICS qualified professional recommended that a CCTV inspection of the drains should be carried out.
This identified about £1500 worth of work which our client successfully asked the vendor to rectify prior to purchase.
This is just one example where an independent survey report is one of the best investments you can make in a property transaction.


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How a New Boiler Can Save You Money
There is no doubt that at some point you will have heard that a new boiler could save you money. But what you want to know is whether this is true and how that could happen? This is where this blog post will help you to understand this a little more. With that in mind, here is how a new boiler can save you money.
There are more technological advances
Of course, we all know that technology advances at a rapid pace, as year on year there is something new to do with technology, but what we don’t realise is that this applies to everything within our lives. Boilers have advanced dramatically over the years so the chances are a new boiler in your home will be far more technologically advanced than its predecessor. This means that when it comes to how it works, there is more to it to help it utilise its functions more effectively, and therefore could save you money in the long run.
They are more eco-friendly
With new technology comes the focus for boilers to be more efficient with the amount of energy used and consumption in our homes. So, the chances are a new boiler will not only be more technologically advanced but also more eco-friendly. It means that the energy used is consumed more efficiently, meaning you are less likely to need as much as you might have done previously. It will enhance your heating system and allow you to insulate your home effectively, speed up the process of heating water, or simply enable you to not have the boiler in use as often. All offering a saving for you as the homeowner.
Of course, a new boiler is an investment, but you may find that in the long term that investment is worth it because of the savings you could make.


Superior Tax Services is a family-owed tax firm established in Los Angeles in 2003. We have been assisting taxpayers throughout the U.S. file personal, small business and corporate tax returns.
INCOME TAX PREPARATION
Individual and business tax preparation, all state returns and prior year returns.
We offer a variety of Notary Public services including acknowledgements and jurats.
BUSINESS FORMATION SERVICES
We assist our clients in selecting the business entity best suited to them and their business objectives.
SALES TAX PREPARATION
We assist businesses with state and local sales and use tax return filing and compliance.
We offer small business payroll processing and tax filing services.
We assist clients in all states as well as military servicemembers overseas. Remote appointments via Zoom are also available.
Superior Tax Services has been assisting taxpayers in navigating the complexity of tax filing for over fifteen years. Our purpose is to provide clients with an enjoyable and quality, yet affordable experience. We specialize in filing tax returns for individuals, small businesses and corporations. We strive to demonstrate our appreciation by providing a comfortable, personable and professional experience, an aspect that makes Superior Tax Services so unique.
Superior Tax Services would like to wish you and your family many blessings for the new year.


Here are some direct quotes from President Obama on deficits and deficit reduction in 2010. Click the links for full transcripts!
Our approach would preserve the right of Americans who have insurance to keep their doctor and their plan.
It would reduce costs and premiums for millions of families and businesses. And according to the Congressional Budget Office — the independent organization that both parties have cited as the official scorekeeper for Congress — our approach would bring down the deficit by as much as $1 trillion over the next two decades. (Applause.)
Now, even as health-care reform would reduce our deficit, it’s not enough to dig us out of a massive fiscal hole in which we find ourselves. It’s a challenge that makes all others that much harder to solve, and one that’s been subject to a lot of political posturing. So let me start the discussion of government spending by setting the record straight.
At the beginning of the last decade, the year 2000, America had a budget surplus of over $200 billion. By — (applause) — by the time I took office, we had a one-year deficit of over $1 trillion and projected deficits of $8 trillion over the next decade.
Most of this was the result of not paying for two wars; two tax cuts; and an expensive prescription-drug program. On top of that, the effects of the recession put a $3 trillion hole in our budget. All this was before I walked in the door. (Applause, other audience reactions.) Now — just stating the facts.
Now, if we had taken office in ordinary times, I would have liked nothing more than to start bringing down the deficit. But we took office amid a crisis, and our efforts to prevent a second Depression have added another $1 trillion to our national debt. That too is a fact.
I’m absolutely convinced that was the right thing to do.
But families across the country are tightening their belts and making tough decisions. The federal government should do the same. (Cheers, applause.)
So tonight I’m proposing specific steps to pay for the $1 trillion that it took to rescue the economy last year. Starting in 2011, we are prepared to freeze government spending for three years. (Scattered applause.) Spending related to our national security, Medicare, Medicaid and Social Security will not be affected, but all other discretionary government programs will. Like any cash-strapped family, we will work within a budget to invest in what we need and sacrifice what we don’t. And if I have to enforce this discipline by veto, I will. (Applause.)
We will continue to go through the budget line by line, page by page, to eliminate programs that we can’t afford and don’t work.
We’ve already identified $20 billion in savings for next year. To help working families, we’ll extend our middle-class tax cuts. But at a time of record deficits, we will not continue tax cuts for oil companies, for investment-fund managers and for those making over $250,000 a year. (Applause.) We just can’t afford it.
From some on the right, I expect we’ll hear a different argument: that if we just make fewer investments in our people; extend tax cuts, including those for the wealthier Americans; eliminate more regulations; maintain the status quo on health care — our deficits will go away.
The problem is, that’s what we did for eight years. (Laughter, cheers, applause.) That’s what helped us into this crisis. It’s what helped lead to these deficits. We can’t do it again.
When I came into office in January of 2009, I was very clear at the time, even before we knew the severity of the recession that we would experience, that we have a structural deficit that is unsustainable, and that for our long-term growth and prosperity, we are going to have to get a handle on that. I talked about that during my campaign; I talked about it in the days after I was elected; I talked about it after I had been sworn in.
We had an emergency situation on our hands. And so the entire world, working through the G-20, coordinated in making sure that we filled this huge drop-off in demand, we got the economy growing again. And we had to take a number of steps, some of which were unpopular and that, yes, added to the short-term deficit.
What I also said at the time was we are then going to make sure, number one, that we pay down whatever additional deficit had been added as a consequence of the recovery act and other steps that we had to take last year.
But then we’re still going to have to go back and deal with these long-term structural deficits.
And in fact in the first G-20 visit that I made in April, to England, I was very clear to the rest of the world that what they cannot rely on is an economic model in which the United States borrows, consumers in the United States borrow — we take out home equity loans; we run up credit cards — to purchase good from all around the world.
We cannot alone be the economic engine for the rest of the world’s growth. So that rebalancing ended up being a central part of our long-term strategy working with the G-20.
Now, what we’ve done is, we’ve initiated a freeze on our domestic discretionary budget. We are on the path to cutting our deficits in half. We have put forward a fiscal commission that is then going to examine, how do we deal with these broader structural deficits?
So this isn’t just an empty promise. We’ve already started taking steps to deal with it. And we’re going to be very aggressive in how we deal with it.
Understand now — I want to make sure everybody’s clear. The Congressional Budget Office, which has made — is independent — it’s historically bipartisan; this is sort of the scorekeeper in Washington about what things cost — says that as a consequence of this act, the deficit is going to be over a trillion dollars lower over the course of the next two decades than it would be if this wasn’t passed.
But I also have to make sure that we are paying our bills and that we’re not adding — putting off debt for the future generation.
And that’s what happened in the Bush tax cuts in 2001 and 2003. We lopped off taxes and we did not pay for it, and that is the single largest contributor to the debt and the deficit. It’s not anything that we did last year as — in emergency spending.
It’s not the auto bailout. It’s not the health-care bill. That’s not what’s added to our deficit.
The single biggest reason that we went from a surplus under Bill Clinton to a deficit of record levels when I walked into office had to do with these Bush tax cuts, because they weren’t paid for, and we didn’t make — cut — we didn’t cut anything to match them up.
We’ve still got to get control of our deficit in a serious way. And that’s going to require more than just platitudes; it’s going to require tough choices. And the question is going to be do we have people in place who are making those choices not based on what’s politically expedient or what special interests are lobbying for, but rather what’s good for America over the long term.
And I think that we can responsibly set a pathway where, over the course of several years, we are reducing our deficit without endangering economic growth, without endangering, you know, the core investments that are required to make sure that the American dream continues, and without completely shredding our safety net.
As I said a few weeks ago, the most important contest of our time is not the contest between Democrats and Republicans. It’s between America and our economic competitors all around the world. And winning that contest means that we’ve got to ensure our children are the best educated in the world, that our research and development is second to none and that we lead the globe in renewable energy and technological innovation.
It also means making sure that in the future we’re not dragged down by long-term debt. This is a challenge that both parties have a responsibility to address: to get federal spending under control and bring down the deficits that have been growing for most of the last decade.
Now, there’s no doubt that if we want to bring down our deficits it’s critical to keep growing our economy. More importantly, there’s still a lot of pain out there, and we can’t afford to take any steps that might derail our recovery or our efforts to put Americans back to work and to make Main Street whole again. So we can’t put the brakes on too quickly, and I’m going to be interested in hearing ideas from my Republican colleagues as well as Democrats about how we continue to grow the economy and how we put people back to work.
But we do have to correct our long-term fiscal course, and that’s why earlier this year I created a bipartisan deficit commission that is poised to report back later this week with ideas that I hope will spark a serious and long-overdue conversation in this town.
Those of us who have been charged to lead will have confront some very difficult decisions, cutting spending we don’t need in order to invest in the things that we do.
As president, I’m committed to doing my part. From the earliest days of my administration, we’ve worked to eliminate wasteful spending and streamline government. I promise to go through the budget line by line to eliminate programs that outlived their usefulness, and in each of the budgets I’ve put forward so far, we’ve proposed approximately $20 billion in savings through shrinking or ending more that 120 of such programs.
I’ve also set goals for this government that we’re on track to meet: reducing improper payments by $50 billion, saving $40 billion in contracting, and selling off $8 billion of unneeded federal land and buildings.
I’ve also proposed a three-year freeze on all non-security discretionary spending, a step that would bring that spending to its lowest level as a share of the economy in 50 years. And we’ve brought unprecedented transparency to federal spending by placing all of it online at USAspending.gov and recovery.gov, so Americans can see how their tax dollars are spent.
The hard truth is that getting this deficit under control is going to require some broad sacrifice, and that sacrifice must be shared by the employees of the federal government.
After all, small businesses and families are tightening their belts. Their government should too. And that’s why, on my first day as president, I froze all pay for my senior staff. This year I’ve proposed extending that freeze for senior political appointees throughout the government and eliminating bonuses for all political appointees. And today I’m proposing a two-year pay freeze for all civilian federal workers. This would save $2 billion over the rest of this fiscal year and $28 billion in cumulative savings over the next five years.
And there is no better antipoverty program than an economy that’s growing; there’s no better deficit-reduction program than an economy that is growing.


A credit union that provides traditional banking services to its customers including savings, checking, retirement accounts, credit, loans, investment planning, etc. The organization is very concerned with the health of the natural environment and the workplace. The investment opportunities it offers its members are all environmentally friendly. The credit union board wants a design that reflects its values. This includes an overall “green” design approach including environmentally friendly products, reducing reliance on non-sustainable energy sources, reusing, recycling etc. The building has opportunities for good day lighting and natural ventilation.


HOW YOU CAN BENEFIT FROM APPRENTICESHIP FUNDING
There are many funding initiatives available to support employers with recruiting new staff or developing the skills and knowledge of existing staff.
With apprenticeships, the funding available to your organisation depends on whether your organisation pays the apprenticeship levy or not.
Apprenticeship levy paying employers
Employers with a wage bill of more than £3 million need to pay the apprenticeship levy. The levy requires all employers to pay 0.5% of any wage bill over £3 million into the government’s apprenticeship service, to pay for apprenticeship course fees.
Apprenticeship levy transfers
Do you have unused or surplus funds? You can now pass on up to 25% of your pot to fund training in smaller companies or those in your supply chain that may not have the resources to fund it themselves.
Non-apprenticeship levy payment employers
The fee that non-apprenticeship levy paying employers pay when they take on an apprentice was halved from 10% to 5% from 1st April 2019. This means that when you now recruit an apprentice, the government covers 95% of the training costs.
Less than 50 employees
If you are an employer with fewer than 50 employees, the government will pay the full cost of training apprentices aged 16-18.
All employers (levy and non-levy) taking on a 16-18 year old apprentice, or a 19-24 year old with a Local Authority Education, Health and Care (EHC) plan are entitled to a £1,000 incentive payment.
Funding in the care sector
If you’re an adult social care employer in England, you can claim contributions from the Workforce Development Fund (WDF) towards the cost of training and developing employees. The Fund comes from the Department of Health and Social Care and is disseminated by Skills for Care.
In a move to boost the number of high quality apprenticeship opportunities, a number of local authorities have additional funding initiatives to support businesses running an apprenticeship programme.
In 2019, Greater Manchester Combined Authority (GMCA) introduced a new apprenticeship support package for SMEs, which includes grants of £3,000 per employer. The £3,000 #SeeDifferent Small-to-Medium Enterprise (SME) scheme will offer a £3,000 grant to employers to help with salary and training costs associated with an apprenticeship.
Local businesses in Cornwall can also apply for funds transferred from the Council’s Apprenticeship levy pot to cover apprenticeship training and assessment. The funds can be used to support new apprenticeship programmes or to upskill the existing workforce.
For more information on apprenticeship funding opportunities and regional grants available in other areas, please contact us on 0330 1000 610.


Update On Fees Payment & Registration – UCC
The University of Cape Coast‘s Students’ Representative Council (SRC) has stated that over the last few days, they have been aggressively pursuing the interest of underprivileged students like they assured during their campaign.
According to them, by the grace of God and through the support of the student body, they have made giant strides which they would like to bring to the attention of all students:
- All students who have paid 500 cedis and above out of their total fees will be allowed to register for their courses for the semester.
- Students who have not made any payment at all or have paid less than 500 cedis and have submitted their details to the SRC will be allowed to register their courses.
- Students are to note that the portal will be opened in the course of the day (today) till the deadline, 28th February, and so students are entreated to keep checking for that so that they can register their courses for the semester.
- It is worthy of notice that these students who are being assisted in this regard to register are expected to pay the rest of their fees before the beginning of this semester’s examinations.
Students are to note that the deadline for registration remains 28th February, 2021. This may not be enough to solve the financial challenges of their students but the SRC believes it is a huge step to mitigating the challenges of our people.
Source: NewsVibz.com || Kindly link back when you copy or paraphrase a paragraph(s) or the entire content.


If you are looking to invest in leveraged 📈 or inverse ETFs from Europe/U.K., you’ll soon find that popular American products are not generally available through European brokers. Below I have compiled an overview of European leveraged and inverse ETFs, as alternatives to their popular 🦅 U.S. counterparts.
Though providers such as Direxion, ProShares, and VelocityShares offer many leveraged products for indexes, sectors, and commodities, such ETFs (and ETNs) cannot be offered to Europeans due to ⚖ PRIIPs regulations.
If no suitable European variants exist for your purposes, you can instead buy the U.S. ETFs directly through a U.S. based broker, even while residing in 🌍 Europe. Follow this link to learn more about this method.
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Overview of European leveraged and inverse ETFs
Please find below a compilation of popular U.S. leveraged and inverse ETFs along with their European alternatives.
|Equities||Leverage||U.S. ETF||European alternative|
|S&P 500||3x Long||SPXL, UPRO||WisdomTree|
|2x Long||SPUU, SSO||Xtrackers|
|1x Short||SPDN, SH||Xtrackers|
|3x Short||SPXS, SPXU||WisdomTree|
|Nasdaq 100||3x Long||TQQQ||WisdomTree|
|Emerging Markets||3x Long||EDC||WisdomTree|
|FTSE 100||3x Long||N/A||WisdomTree|
|DAX 30||3x Long||N/A||WisdomTree|
|CAC 40||2x Long||N/A||Lyxor|
|MIB 40||3x Long||N/A||WisdomTree|
|Bonds||Leverage||U.S. ETF||European alternative|
|10Y U.S. Bonds||3x Long||TYD||WisdomTree|
|10Y U.K. Bonds||3x Long||N/A||WisdomTree|
|10Y German Bunds||3x Long||N/A||WisdomTree|
|10Y Italian BTP||3x Long||N/A||WisdomTree|
Unfortunately, there aren’t nearly as many products available to Europeans as to Americans. Thus many specific variants (such as 2x inverse) may be unavailable, sector ETFs are missing altogether, expense ratios 💶 may be higher in Europe, and you may have to deal with lower volume and ETFs only being offered on specific exchanges.
Alternative options for Europeans
Personally I am a big fan of leveraged ETFs, as I got inspired by Hedgefundie’s Excellent Adventure which utilizes ETFs such as TQQQ, UPRO, and TMF.
Additionally, I occasionally buy sector specific ETFs such as DFEN, 💻 SOXL, FAS, and YINN. Since none of these are available in Europe, I developed a method of buying them directly through a U.S. based broker. This will allow you to buy any U.S. domiciled ETF, even if you live in Europe. If you are interested in this method, you can find the guide here.
To obtain leverage on otherwise unleveraged stocks and ETFs, one could also consider the use of CFDs. For more information on that, check out my CFD guide.
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Do you know of any other suitable European alternatives? Leave a comment below and share your 🧠 knowledge!
Thanks for sharing!!!! Was indeed stumped with my broker for the TQQQ/
nice list. you saved me alot of work to find this
Hello! Thank you first of all for this page, you can’t imagine how useful it is! I have a couple of questions:
1. I can’t find the Graniteshares fngu ETF on my broker (Degiro). Do you know of other ETFs for 3x or 2x long faang+ that can be bought in Europe?
2. Are you aware of European leveraged ETFs that target specific sectors? For example the equivalent of SOXL, FAS, PILL, LABU…
3. How did you find out the ETFs that you’ve mentioned in this page? When it comes to US ETFs i generally start from Google search, but your page is literally the only one on the topic…
Thanks a lot!
Hi Simone, as for DeGiro, it’s quite common for certain products to be missing from their platform. Best would be to request it be added. You can send them an email with the following details: ISIN, currency, ticker symbol, and exchange. Keep in mind that some products cannot be offered in certain countries (or are available to institutional clients only). Generally it takes a few weeks for them to add a newly requested product.
Should it not be possible to have the product added, then I can recommend using the justETF screener to search for alternatives. Here you can filter on leveraged ETFs, among other things. Another good resource is the Morningstar screener.
I did look into leveraged sector ETFs, but there don’t really seem to be any UCITS alternatives for those, unfortunately… Personally I use Tastyworks to get around these restrictions.
Indeed it took me quite some effort to compile the entire list. You’d expect such information to be more readily available, but alas. Very happy to hear it’s been valuable to you!
IE00BLRPRL42) has just been removed from Degiro. Do you have any alternative? Thanks!
Hi Fernando, are you sure it got removed? Perhaps it wasn’t available to begin with? You can request DeGiro to add missing ETFs if you shoot them an email. I’ve done it a few times myself. If they did remove it, then that would be really unfortunate. Perhaps you can try Interactive Brokers?
Sector ETPs just added, along with some “Ark” Trackers and 3x All-World:
Hi, good tip, I’ll look into updating the list!
Do some of the European leveraged ETFs also have options?
Thanks very helpful. I can buy all the US-based ETFs, but for my corporate account, I want to buy EU-based ETFs for tax purposes. Very helpful!


Our guide to cutting costs without sacrificing your wedding ambitions
Unless you’re the son of a sultan, or an endlessly wealthy individual, your wedding will need to have a budget. An end point where you say, that’s enough, I don’t want, or can’t spend any more on this day. For some, that’s around the 25k mark. (In fact, the cost of the average UK wedding in 2023 is £23,885.) But for others, their wedding budget is a little more eye-watering. Regardless of the ceiling amount you want to spend, it’s important to always keep an eye on the figures, and not let the emotion of the day fuel your decisions. With this in mind, and to help all couples, at any point in the wedding planning process, we thought we’d put together some expert budgeting tips. Knowledge, and advice that’ll help you to genuinely save on your Cotswolds wedding, without compromising on the occasion.
There will be many concessions you’ll need to make during the planning stages, but what’s significant to keep in mind is the vision you had at the beginning.
What did you dream about seeing, smelling, and feeling as you walked down the aisle? How did you envision the reception space would look when you arrived at the wedding breakfast? Don’t lose sight of the fantasy. You may not be able to book every supplier, or buy every decor item you desire, but with our wedding budgeting tips we’ll help ensure you’re not forced to sacrifice your dream celebration.
Plan Your Dream Cotswolds Wedding Affordably with Our Budgeting Tips
Planning your dream wedding in the Cotswolds doesn’t have to break the bank. Discover budgeting tips to make your celebration affordable and unforgettable.
Consider an Off-Peak Celebration
Really want to make some savings? You might have to bite the bullet, and marry mid-week, or out of peak wedding season. However, we entirely understand how major a decision it would be to choose either of these options, and that’s why we had to put it first on our list of wedding budgeting tips.
Marrying midweek will ruffle some feathers among your guests, and could potentially alter the whole experience for those who need to work the next day. But, you could potentially save over half on the venue hire alone. Possibly more. Which would mean you could create an even more spectacular event for your guests? Or that drop in wedding venue hire price could mean that your dream space in the Cotswolds is now in budget?
As with midweek celebrations, marrying out of season could save you a small fortune. A wedding in February, for example, would certainly cost a lot less than planning it for the peak summer wedding slot in July, or around a bank holiday period.
Marry in the Morning, or the Evening
By having your wedding celebrations wrapped up by late afternoon, or not starting them until the sun is going down, could also save you money. Venues hate to see their space unused at any point, so if they can get you in and out early, or fit you in later, around another event, they’ll happily offer you a sweet deal.
With either of these options, you may have to alter plans a little, especially for a twilight wedding. This type of event doesn’t lend itself to a traditional sit-down wedding meal. Opt instead for more of a cocktail style soirée with canapés served on trays. But with the savings you’ll be making, you’ll have the opportunity to throw a spectacular evening event.
Skip Physical Stationery
Of all the wedding budgeting tips, this one might upset Mum the most, but we feel it’s worth the heartache! Physical wedding invitations, save the date cards, special envelopes and all the paper parts that make up a traditional invitation suite are so special. And we would never suggest forgetting about having wedding stationery if you can comfortably include it in your budget.
However, using a wedding website, or some kind of email invitation service will save you a lot of money. Many of the wedding website options out there are actually free, and come with lots of other planning tools included that should help you not only keep your budget on track, but the timeline too.
It may not feel as real, or as permanent, as a wedding invitation you can hold in your hands. But online invitations and wedding websites are ideal when you want to update all of your guests with any breaking wedding news. While also allowing you to be more interactive with your presentation, by offering the option to add videos, engagement photos and plenty of useful links and info about your big day.
Rent Your Wedding Dress or Shop the Sample Sales
One of the biggest trends in fashion right now is renting. Up and down the country, and of course online, boutiques are opening up to offer designer clothes for rental. A real game changer for the industry as a whole, and a godsend for those cash strapped social butterflies who can’t bare to be seen in the same outfit twice. But not only is it a cheaper option than buying outright, but it’s also (a bit) better for the environment.
Bridal fashion has also seen a surge in rental offerings, and as a concept, it was given a slight popularity boost when Carrie Symonds rented her wedding dress to marry Boris Johnson in a couple of years ago.
Now, if you’re a purist, and you want the dress you marry in to be a garment passed down for generations to come – maybe scroll to the next of our wedding budgeting tips.
For those not so sentimental, consider the fact that a rental wedding dress can be hired for as little as 10-20% of its retail price. Meaning a £2,000 bridal gown could be yours for the day, for roughly £200. That’s just an average priced bridal, you could choose a designer style that would typically be way out of your price range, and still only pay £500-£600.
If you are dead set on owning your wedding dress, then be sure to follow all of your local bridal boutiques on social media, and watch out for sample sales. It’s also worth getting in touch with shops too, just to see if they have a sale rail you can browse. You’d be amazed at the discount wedding dress shops put on sample dresses when they become unavailable to re-order.
The dress will have been tried on a few times in-store, but the shop will have typically washed and thoroughly checked the garment before putting it up for sale.
Every wedding dress needs to be altered before it can be worn on the day. Which means it shouldn’t be an issue if you’re not quite the same size as the sample. An experienced seamstress can usually work miracles with just a little bit of fabric!
Always Opt for In-season Blooms
Flowers, food and anything natural will always be more budget friendly and better for the environment when bought in-season. Flowers are the most obvious example, as their cost can skyrocket if not considered carefully.
We mentioned in our introduction that you shouldn’t lose sight of your wedding vision when trying to save money. And wedding flowers are often an area that couples struggle to keep under budget, typically because they cost much more than expected. And because they become fixated on one or two particular blooms. Certain flowers they just have to have featured on their wedding day. But when it comes to flowers, there’s always another option.
If you want to save on wedding flowers, speak to an experienced florist, tell them your vision and let them guide your florals. If your dream flower/s are out of season, or cost too much, they will be able to suggest a different, more suitable stem that’ll match the look you’ve been dreaming of.
Create a Misc Wedding Budget Vault
For us, this is one of the most important wedding budgeting tips, and yet it’s not often talked about. A piece of advice that won’t necessarily save you money in the short term, but will certainly help out further down the line.
When formulating a wedding plan and budget, couples typically list all the major, big ticket items. Venue, outfits, catering etc. But they fail, understandably, to include absolutely everything. Small, little purchases and services that, unfortunately, all add up in the end. Things like stag and hen parties, hotels, transport for guests, overtime costs for suppliers and venue, and then just stuff…! Little things like petrol, tips, and meals for people working for you.
There are so many small payments you’ll need to make on, and leading up to the big day, that either you just won’t be able to prepare for, or wouldn’t have had the headspace to plan. So, save yourself the credit card charges, or the embarrassment of asking parents for (more) money, and create a contingency fund. Between 5%-15% of your overall budget is a good amount to keep spare for emergencies.
Don’t allocate anything to this contingency wedding budget during the early to mid-stages of your planning. Keep it back, ready for any emergencies. This may not be the most exciting of our wedding budgeting tips, but you’ll thank us when it saves you from disaster, or debt!


Noticias en México y en el mundo
15 de octubre de 2009
AGRANA - Results of first six months confirm stable business trend
The international sugar, starch and fruit company, AGRANA, showed a stable and satisfactory business performance in the first half of the 2009|10 financial year.
15 de julio de 2009
AGRANA: Significant earnings improvement in the first quarter of 2009|10
In the first quarter of 2009|10, AGRANA, the sugar, starch and fruit group, achieved revenue growth of € 11.1 million or 2.2% to € 506.2 million (prior year: € 495.1 million)


What Paperwork Is Needed to Rent an Apartment in NYC?
As if finding a rental apartment in Manhattan is not challenging enough, it sometimes sends people over the edge with frustration when they learn what paperwork is required by most landlords. The reason why landlords require so much paperwork is really for two main reasons. First off, they rarely get to meet the prospective tenant in person so they need more paperwork in order to fully qualify someone. Second, the laws in New York City tend to favor tenants, and judges have a history of siding with the tenants against landlords. Evicting a tenant can be a nightmare in Manhattan for landlords and very costly. Most landlords who have gone through the process will tell you it can take at least 4 to 6 months to evict someone. Therefore, landlords want to make extra sure that they have a qualified tenant who will hopefully pay their rent and pay it on time. While different landlords require different paperwork in order to rent an apartment, if you have the below paperwork with you, you should be able to apply for more than 85% of apartments in New York City. Also, bear in mind that the standard rule of thumb is that you earn 40X the monthly rent, and if you have a guarantor, they would usually need to earn 80X the monthly rent. Some of the tougher landlords require 50X the rent for tenants and 100X the monthly rent for guarantors. Documentation often requested by landlords to rent an apartment in New York City:
- Copy of photo ID
- Copy of first two pages of last year’s tax return
- Copy of two most recent pay stubs
- Landlord Reference Letter
- Letter of Employment
- Copy of most recent bank statement


It is often thought that loans for bad credit are just for those people that do not have a very good credit record and they are often ignored by other borrowers. But the lenders do not check and only let people with a poor credit record use them, they will let anyone use them. You may still feel that they are not for you though, particularly if you have never had any money worries. However, there are a few good reasons why everyone should know a bit more about them.
You Never Know When you Might Need Them
We can never predict when we might need a loan like this. Even if we are completely confident that we will always be in control of our money and that we will be able to pay for everything we need so our credit record stays good, we cannot be completely sure – especially when we need money right now. There could be situations where we find that we are unable to manage or that we have problems with employment or even illness and find that we do get into money troubles. Then, if we need to borrow money, this sort of loan could be useful for us. It is therefore worth being aware of the loans and thinking about what they can be used for, so that we are able to know what is available if we find ourselves in the situation where we need to use it.
They Have Other Useful Features
It is also worth being aware of the fact that there are features of these loans which are not the same as others and this could mean that they will be more suitable for your needs, even if you have a good enough credit record to be able to borrow using other means. For example, it is sometimes possible to organise a payday loan within a few hours. This means that if you need money really quickly, then it is possible to get it this way. Some of these lenders are also available to lend money outside of normal business hours, such as overnight or during weekends and this can be very handy as well, as it means that they will be able to provide money when perhaps it is not available form other sources.
The loans are also available in small quantities. Most of the time we will be offered more money than this and this is not always a good thing. This is because if we borrow more, we will need to pay back more and that can be tricky. We also get charged depending on how much we borrow so borrowing less can be advantageous. You will need to check this though as loan rates vary a lot and so you will need to be sure of the costs before you take out any loan. Borrowing a small amount can also be easier for those people that do not like borrowing money or being in debt as they will not be in debt for very long.
So, it is wise not to dismiss any loan type, until you have established what you need and what loans best fit your requirements. This is the only way to guarantee that you will get good value for money from the loan that you are choosing. You need to think about all of the features that you need form the loan and see which loan type will suit you the best with regards to the features that they have. Then you need to compare the different lenders so that you can find the one that will provide you with the best value for money.


"Mobile Economist" is designed to manage personal finances on Pocket PC (a handheld device, etc.). Unlike most similar programs, "Mobile Economist" is built for your fingers, which greatly simplifies workflow. "Mobile Economist" has a minimum of necessary functions that are accessible through an intuitive, colorful interface.
The program has a number of reports of various types. You can view a report on any expence monthly (for all or any group of categories), you can compare incomes or expenses month by month, or see your financial status at the current time.
To use this program you will need a PDA or a handheld device with Windows Mobile 5 or later as operating system.
Full list of features:
Accounting for incomes
Accounting for expenses
History and editing of income
History and editing of expense
Editing categories of operations
Accounting for deposits and debts
Transfer of funds between accounts
Changing the balance of the account
Report on expenses for the month
Report on incomes for the month
Comparative report on expenses
Comparative report on incomes
Full report on the account
Summary for all accounts
Backup and restore
Password data protection
Mobile Economist is a free trial software application from the Personal Finance subcategory, part of the Home & Hobby category.
The app is currently available in English, Bulgarian, Byelorussian, Czech, Dutch, French, German, Italian, Moldavian, Portuguese, Romanian, Russian, Spanish, Ukrainian, Yiddish and it was last updated on 2010-03-18. The program can be installed on WinMobile, Handheld/Mobile Other.
Mobile Economist (version 1.5.1) has a file size of 2.10 MB and is available for download from our website.
Just click the green Download button above to start. Until now the program was downloaded 64 times.
We already checked that the download link to be safe, however for your own protection we recommend that you scan the downloaded software with your antivirus.