Marketing Quick Course
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Smart Sheets Quick Course
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WHY THE QUAD CITIES?
The Quad Cities' real estate market is one of the best kept secrets in the country for real estate investors; with good reason too. Our company is locally owned and operated, so we have an intimate knowledge of the region and it's potential. With nearly 500,000 citizens, 200,000 housing units and plenty of room to grow, the Quad Cities' potential speaks for itself. 25% of these homes are rentals and nearly 8% are vacant. This is the perfect environment for positive cash flow with rent often exceeding the price of a mortgage! The higher than average ROI in the Quad Cities and our passion for providing quality homes has driven our company to become one of the best in the Midwest. For the same reason, we are confident when we say, "Passive Income Starts Here." Feel free to get in touch with us if you have any questions about the area, or click any of the links below for more information!
No Routine Maintenance
For the first 60 days. Should something go wrong, we’ve got you covered. Guaranteed.
We'll Pay the Rent
If your property were to fall vacant for more than 90 days, we pay the rent. Guaranteed.
No Leasing Fees
If your property falls vacant at any point during the first 9 months, leasing is free. Guarunteed.
Our average cash on cash return is 12%. We make it a point to under promise and over deliver. We have had properties over return over 20% and every day we strive to raise this metric.
We pay commission when you refer a colleague that chooses to invest with us!
If you choose to have us lease, the fee is 75% percent of the monthly rent price.
The management fee is 9% of the monthly rent.
We have been providing industry leading turn-key properties for 13 years now!
We currently manage 752 properties. We buy & rehab about 30 per month.
No, we take great pride in making sure that the investor, lenders and tenants are all on the same page.
Our rent is above market average which helps to attract higher quality tenants.
95.6% We base occupancy rate based on on-time rent collection. Even if the property is occupied, it really isn’t doing the owner any good if they are not paying their rent. As a data driven company, the most important metric we focus on is ROI. The more efficient we are, the higher your return, therefore our goal is to be at 100% occupancy rate.


Real Estate Investing
It doesn't get much more fitting than real estate when you're looking to create real, lasting wealth.
We're communicating about the nature of wealth that can set you and your family at the top for decades-- or even generations-- while enjoying the type of financial freedom the majority of people only ever hope for.
It certainly doesn't hurt that real estate generally is pretty simple and straightforward to get into. You don't need to monitor charts, you don't have to track all the things transpiring in a dozen different sectors, and you really don't need to time your stock, option, or maybe crypto trades with the market-- hoping you reached the sweet spot instead of crater your life savings.
Naturally, there's a ton more to real estate investing than merely grabbing residential or commercial properties and observing your bank account grow along with each and every new outlay.
You must be aware of the market, you need to understand precisely what helps to make specific property investments valuable, along with you have to recognize effective ways to address the capital part of these types of dealings.
Financing particularly is a significant chunk of the bigger picture, considering that the different between taking advantage of private money in order to purchase repossessions and standard mortgage companies to aid with flipping homes can easily mean the difference between success and failure. The difference between producing 1000s (or even more) or losing 1000s (or more).
That's precisely where we come into play.
Presenting you all of the tools you will need to know the kind of insider confidential information that can surely improve your real estate investing career virtually overnight, the game changing material we put in your hands will most likely really help you navigate virtually every RE investment you come up with from here on out-- whether it's your initial deal or your hundredth.
We dive into the assorted type of real estate investments you can bring in (going well beyond the typical, surface level commercial lessons and residential lessons), understanding how to apply mixed-use properties, REITS, mortgage lending, and sale/leaseback tactics to revolutionize your portfolio practically right away.
You'll find out how to produce private money even more secure rather than classic mortgage brokers, how to work the property foreclosure niche in order to cash in on even more substantial gains, how you can ABSOLUTELY tidy up flipping homes, and how to market your homes with ridiculous rate of speed by totally shortcutting the "ordinary" real estate sales process.
Discovering when and how to pay off your home loan (and whether or not there's any legitimate advantage to paying it off right away), how to create LLCs to take care of your house holdings to limit your exposure, and the best ways to smartly manage your houses without having to be entirely hands on-- to ensure you are able to appreciate the prosperity your creating, as opposed to needing to slave away at a glorified occupation handholding the residential or commercial properties you've invested in-- are all part and parcel of the Real Estate you could try these out investment training programs our company offer.
Never again would anyone need to stress over jeopardizing your life savings on housing deals which end up being too good to be true.
Never again will anyone have to manage middle men which cut a part of our proceeds out of every financial transaction.
Never again will you need to fight with lenders and banks to get access to the money and capital you need to develop your real estate portfolio.
Instead, with our advice, you'll learn effective ways to make the markets work for see this you. You'll discover the best ways to pick out undervalued buildings and hidden gems, without having to have years of practical experience in the real estate world. You'll identify how to make the most of hard and private money, play assorted proposals of house loans against others as a bargaining tactic, and to sell your home more quickly than you actually though achievable previously.
We purchase properties for cash, and have been doing it for many years. In the event that you're prepared to understand EVERYTHING-- including some expert and market secrets you'd master no place else-- we're ready to unlock the door to your personal financial future. If you're ready to learn EVERYTHING-- including some insider and industry secrets you'd learn nowhere else-- we're ready to open the door to your financial future.
Drop us a line immediately!
Jay Conner, The Private Money Authority
Register for our Real Estate Cashflow Conference: http://bit.ly/jaymoneypodcast
The Conner Marketing Group
P.O. Box 1276,
Morehead City, NC
Real Estate Live Event: http://bit.ly/jaymoneypodcast
DISCLAIMER: Jay Conner is not a financial advisor, real estate broker, licensed mortgage broker, certified financial planner, licensed attorney nor a certified public accountant, therefore please consult with your professional prior to engaging in any real estate purchases.


Logiwaste continues with AAA rating from Bisnode
Logiwaste has this year continued to achieve the highest credit rating AAA by Bisnode. This is a rating that only 3% of companies in Sweden reach up to.
The Trippel A rating from Bisnode has been around since 1989 and is today Sweden's most well-known credit rating system. To be rated as AAA - the highest credit rating a limited company can receive, requires that the limited company has been active for at least 10 years, trading over 2 million SEK and having key ratios that are significantly above the industry average.
Logiwaste Annual Report for 2016 is available here (English).
For more information please contact:
Sales Manager, Logiwaste
+46 (0)70 471 11 26


The Administrative Services Department is responsible for the entire financial, accounting, and human resources operations of the City, including the receipt, disbursement and deposit in the treasury of all city moneys, assistance in the preparation of the city budget, maintenance of all accounting procedures and records, and personnel administration.
The Financial Services Division is responsible for maintaining sound fiscal management for the City.
These activities include:
- Ensure management and the City Council are informed of all matters materially affecting the financial health of the City.
- Prepare year-end closing entries, balance and reconcile all funds and accounts, coordinate and communicate with the City’s independent auditors and prepare the annual financial reports for the City and the Five Cities Fire Authority.
- Prepare and submit fiscal reports, including compliance audits of grant funds to state and federal agencies, in an accurate and timely manner.
- Provide financial analysis and fiscal information to departmental users, management and City Council, as needed.
- Provide oversight of the City's investment portfolio.
- Manage the City's annual budget process, including training and support for departments, analysis of department budget requests, and public presentation of the recommended budget.
- Provide expertise to City Council and departments on economic and financial conditions and policy issues affecting the budget.
The Accounting Services Division provides and maintains an accounting system of funds, accounts and internal controls in accordance with Governmental Accounting Standards Board pronouncements and Generally Accepted Accounting Principles (GAAP).
These activities include:
- Accounts payable data entry of claims submitted for payment and review of purchasing policy compliance.
- Payroll administration including data entry of time sheets and rate of pay.
- Initiate tax payments and issue quarterly tax reports.
- Initiate Public Employee Retirement System (PERS) payments and perform reconciliation to reports and payroll withholding.
- Reconcile billing statements with receivables and payroll withholdings by person for employees and retirees.
- Update the payroll system tables to reflect annual changes in tax tables, employee contracts, dues, or other items for paycheck accuracy.
- Perform electronic fund transfers for direct deposit, PERS, deferred and compensation, and taxes.
- Prepare and mail approximately 3,000 utility bills monthly, working closely with the Public Works Department.
- Maintain and manage an automatic payment option for customers to have their bills paid automatically from their checking account.
- Process approximately 1,000 service orders annually to utility customer accounts, including customer updates, water meter reading verification, bill collection efforts, and water service changes.
- Record and manage business licenses and regulations.
Please be advised that communications directed to the City, its legislative bodies and their members (i.e., City Council, Planning Commission) or City staff are public records, and are subject to disclosure pursuant to the California Public Records Act and Brown Act unless exempt from disclosure under the applicable law.


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I read many years ago a story about someone in Germany in the 1920s who had been tipped a US dollar immediately seeking investment advice presumably because it was so valuable. Now, this did not make a lot of sense to me since ultimately it would still have the buying power of a dollar although perhaps with hyperinflation the situation is more complex.
Did stocks simply skyrocket as the value of a company's hard assets go up astronomically (in marks)? If you were a landlord, did you do well or at least do okay because rents went up or were you wiped out because of something like rent control/leases which meant that your tenants were paying you almost nothing for an apartment and you could not evict them?
In general, what sort of assets (besides gold and similar valuables) were good to have had during the German hyperinflation?
Mild inflation may often be good for stock prices, but when people cannot afford basic necessities, there may not be as much money available for speculative investment. In Wiemar Germany, stock prices were volatile but generally declining during the worst of the inflation. Below I've taken a graph from an article by Hans-Joachim Voth and added a thick red arrow to indicate 1923, the peak of hyperinflation.
As Voth states:
During the hyperinflation, German stocks were often extremely cheap. In November 1922, for example, the capitalization of Daimler Motor Work was equivalent to the value of 327 of its cars. Market volatility was extremely high, with share prices often changing by 30 or even 50 percent per month in real terms. (p.67)
How investors fared overall is a more difficult question to answer. In such a volatile market, I suspect there were both big winners and big losers. Overall, a lot depends on the specific time frame you look at.


In Chapter 4 we reviewed some practical tips on both traditional and self-publishing. If you decide to take the self-publishing route, you’ll need to pay to have your book published. You can choose to pay in dollars, time or a combination of both. The goal is to sell enough copies of your book to recoup your costs. If the stars align, you may actually profit from publishing your book.
Are we running a business here?
Yes, it helps to think of publishing your book like running a business. Income – expenses = profit. It’s that simple.
Let’s start with income:
Income is generated by selling your books. Each sales channel will have a specific income. You may find that selling “author copies” of your book yields the most income per book sold. Selling on Amazon.com (in print and e-book format), and selling through an independent book store will also have a specific income per book sold. Has your self-publishing company provided the math on each sales channel?
Income per book is one thing, but number of books sold is another. Your task will be to estimate how many books you plan on selling through each sales channel, and then calculate you total income estimate.
Are you a speaker who does monthly talks with 50 new people in the room each time? Can you sell 10 books per talk? Do you own a yoga studio with 300 clients? Do you have 485 facebook friends that are interested in your book’s topic? Just sit down and think about how you plan on selling your book, and how many copies you estimate selling in the first year. If you sell 200 books at $4.00 profit per book, your net income will be $800.00.
Now for expenses:
It helps to look at income first, and that will tell you how much you can spend on publishing. If you only plan on making $800.00 net income, you might not want to spend $2,000.00 publishing your book.
Calculating total expenses is simply done by asking how much everything costs before you commit to anything. How much is editing? Do you need illustrations, a cover, formatting? Are you doing your own marketing? Many self-publishing companies show a nice detailed breakdown of what you get and how much it costs.
Knowing your “break even” point will help you decide what publishing company to use. If you never put yourself in a position where you need to sell 1,000 books just to break even, you might enjoy the experience a bit more. If your goal is to deliver a message to the world, you should find a way to do that while breaking even financially. Delivering your message and helping others might just be your form of profit.


Affordable energy is our priority.
Choose A Plan
Lock-In & Pre-Buy Program
Save yourself from seasonal price-hikes and purchase fuel during the warmer months. Choose from either a fixed price plan or a capped price plan.
- We fix the price per gallon, and your purchase is payable in full. The minimum for this plan is 500 gallons and through automatic delivery only. Any unused gallons at the end of the contract period will be credited to your account.
- Your price per gallon is capped and will not go above the price paid. If our discounted price is lower than your cap on the day of delivery, you pay the lower amount. It’s a win-win! A credit for the difference between the original payment and the lower price is automatically placed in your account. A non-refundable downside protection fee is associated with the capped plan.
Pay as You Go
Simply pay for your oil or propane deliveries as they occur. You can choose to enroll in automatic delivery for added convenience. We will send you an invoice due in full within 30 days or you can take advantage of our prompt pay discount and receive 25 cents off per gallon when you pay within 10 days of the delivery date.
Sign up today and start saving
We accept credit card (MasterCard, Visa, Discover, Amex), checks or check by phone, and cash. Sign up for electronic payments to view your account balance and pay your bill online at no additional charge.


With a 48 hour turnaround on title commitments we will get your loan to the table quickly and flawlessly.
In this market even a matter of minutes can make a difference to your bottom line. Superior customer service and going the extra mile for our clients is the philosophy on which our firm is based.
Once your title order request is received we go to work for you. After careful review of the title search, we obtain the necessary documentation to clear lines and encumbrances.
We will update you every step of the way and work with you to ensure your loan is ready to close when you are.
We close after-hours and weekends, we close in-office or at the borrower’s home. At the Purcell Law Firm, we are committed to providing the highest degree of excellence in customer services at prices significantly lower than the competition.
We offer mobile closings at your office of the borrower’s home at no additional cost to the borrower. We partner with you to deliver a smooth and efficient closing everytime.
Why Choose Us?
Our Professional Approach- We emphasize efficiency and accuracy. The attorney, Mr. Purcell, personally oversees every title and closing order.
Our Fast Turnaround- 48 hour turnaround on title commitments.
Our Personal Service- You will always be able to speak to the attorney and have your phone calls answered promptly.
Our Low Attorney’s Fees.
Our Customer's Satisfaction is Guaranteed.


The Grassroots Arts Program, administered by the NC Arts Council, provides per capita–based funding for arts programming to all 100 NC counties, ensuring opportunities for citizens to experience the arts in their own communities. Activities include festivals, concerts, dance and theater productions, artists in schools programs, galleries, Native American powwows, art classes, and African drumming circles.
In most counties local arts councils have been nominated by their county governments and approved by the NC Arts Council as Designated County Partners to manage grassroots funds and programs. The Alamance County Arts Council establishes a grants panel and accepts applications, provided that the state legislature approves funding for the Grassroots Arts Program. Even though that funding was in doubt, in 2013–2014 the Alamance County Arts Council was able to fund applications totaling over $13,000.
The Alamance Artisans Guild is grateful to have received a grant of $1,000 to support the growth of the Alamance Studio Tour by revamping its Internet presence. Each year guild members open their studios to thousands of visitors, introducing the guests to individual artisans’ processes and the abundance of talent in Alamance County. The studio tour substantively contributes not only to the personal incomes of working artists but also to the retail sales within our county.


Xiaomi has increased the prices of its budget smartphones and best smart TVs in India by about three to six percent, said to be related to the global semiconductor shortage and higher shipping charges. The price hike kicked in from Wednesday, June 30. A Xiaomi spokesperson told LiveMint in a statement that since last year, there have been shortages across the supply chain. “Due to massive demand-supply mismatch, the majority of components used in smartphones, Smart TV and other electronics gadgets (chipsets, display panels, display driver, back panels, battery etc) have seen constant upward movement in their prices,” the spokesperson told the publication.
The LiveMint report says that other players in the LED television space are also estimated to have hiked by about 3 percent to four percent this month as the cost of panels have gone up in the global market. This, besides an increase in logistics expenses. In April as well, prices had been hiked due to a rise in operation cost on account of increased ocean freight charges, and domestic transportation costs. The TV market is expected to grow to 284 lakh units in 2024-25 from 173 lakh units in 2018-2019.
In February this year, Xiaomi had announced its partnership with contract manufacturers BYD, DBG, and Radiant to strengthen its Make in India efforts. The company had tied up with BYD and DBG for smartphones while the partnership with Radiant was aimed at augmenting Xiaomi’s capacity of smart TVs in India.


Time to move on to a new home? A bridging loan can be a convenient stepping stone between selling your existing home and buying the next property.
Bridging loans are intended for short-term use and usually carry a higher interest rate than other home loans. They are generally secured against your property allowing you to utilise the equity in your existing property.
Prosper Home Loan Specialist will find an appropriate bridging finance solution for your situation. With our help you can feel confident that you understand the key considerations and challenges of a bridging loan.
We offer you:
- Knowledgeable guidance in choosing the appropriate loan solution
- Competitive rate and overall costs
- Easy and fast application process
- Industry leading customer service


In July 2019, the U.S. House of Representatives passed the Raise the Wage Act, which would increase the federal minimum wage in steps to $15 by 2025. The minimum wage has been $7.25 since 2009 – the longest-ever period without an increase. Georgia is one of 21 states that continues to use the federal minimum wage rather than establish a higher state rate.
This data brief estimates the public cost to Georgia and the federal government from the use of safety net programs by low-wage working families who would be directly affected by an increase in the minimum wage to $15 an hour by 2025. We find that just over half of these Georgia families (51%) are enrolled in at least one safety net program, at an annual cost of $4.7 billion.
In addition to improving the lives of Georgia minimum wage workers and their families, passage of the Raise the Wage Act would reduce the burden placed on federal and Georgia-funded public safety net programs, which working families turn to when their employers do not pay them enough to meet their basic needs.
Definitions and Data
We are examining working families’ utilization of the five largest means-tested safety net programs for which data is available: Medicaid; Children’s Health Insurance Program (CHIP); basic household income assistance under Temporary Aid for Needy Families (TANF); Earned Income Tax Credit (EITC); and Supplemental Nutrition Assistance Program (SNAP).
This analysis focuses on the families of year-round workers who would receive a direct pay increase as a result of the Raise the Wage Act. “Affected working family” is defined as a family where at least one member worked year-round (at least 45 weeks during the year) for at least 10 hours a week and earned less than $13.49 per hour (in 2019 dollars). This wage is equivalent to $15 in 2025 dollars. We exclude from the analysis those who work only part of the year, as well as those who would receive indirect pay increases due to wage-push caused by the higher minimum wage.
All amounts are adjusted to and reported as annual averages in 2019 dollars. Medicaid figures exclude aged, blind, and disabled enrollees. Our calculation method is described in the Appendix. The analysis reflects pre-COVID labor market conditions.
Table 1 shows Georgia’s enrollment of low-wage working families directly affected by the Raise the Wage Act in the five public safety net programs between 2015 and 2019. Among affected working families, there are 800,000 Georgia children and adults enrolled in the health programs. There are 600,000 affected working families participating in EITC and 300,000 receiving SNAP benefits. TANF data are not provided due to sample size constraints.
More than half (51%) of affected working families are enrolled in one or more safety net program in Georgia.
Table 2 shows the annual combined Georgia and federal expenditures on all the public safety net programs together, the expenditures for affected working families only, and the share of the total expenditures that goes to affected working families. Just under half (49%) of dollars spent on safety net programs in Georgia go to affected working families, at a cost of $4.7 billion.
America’s public safety net programs provide a lifeline to families that need help to meet their basic needs. When firms pay workers too little to make ends meet on their own, they rely on these programs to help make up the difference. Passage of the Raise the Wage Act would move these working families in the direction of self-sufficiency and reduce their utilization of safety net programs. A $15 federal minimum wage would release some of the pressure on the safety net caused by low-wage industries, and allow state and federal dollars in Georgia to be more effectively targeted.
To calculate the cost to the federal government and Georgia of public safety net programs for low-wage working families (defined as having at least one family member who works 45 or more weeks per year and 10 or more hours per week, and earns less than $13.49 per hour in 2019 dollars), we mainly rely on two sources of data: the March Supplement of the U.S. Bureau of Labor Statistics’ Current Population Survey (CPS), and administrative data from the Medicaid, CHIP, TANF, EITC, and SNAP programs. Medicaid figures exclude aged, blind, and disabled enrollees. The March Supplement, also known as the Annual Social and Economic Supplement, asks respondents about receipts of cash and non-cash transfer payments during the past year and includes questions about the programs we examined in this analysis.
To create the enrollment estimates for each program and the cost estimates for EITC, TANF, SNAP, and CHIP, we re-weight the CPS so that its cost and enrollment totals match the administrative data. To create the Medicaid (for both adults and children) cost estimates we use the state-level per enrollee spending figures published by the Centers for Medicare and Medicaid Services (CMS) multiplied by the enrollment totals from the administrative data. We then sum the number of enrolled families (defined as having at least one family member participating in a program) and the cost of their benefits to obtain the total program enrollment and cost. We then repeat this process using only low-wage working families (defined as above) to obtain our total enrollment and cost for working families. For further detail see the earlier report Fast Food, Poverty Wages: The Public Cost of Low-Wage Jobs in the Fast-Food Industry.
 Bobby Scott, “Text – H.R.582 – 116th Congress (2019-2020): Raise the Wage Act,” Pub. L. No. H.R.582 (2019), https://www.congress.gov/bill/116th-congress/house-bill/582/text.
 Michael Reich and Rachel West, “The Effects of Minimum Wages on Food Stamp Enrollment and Expenditures,” Industrial Relations: A Journal of Economy and Society 54, no. 4 (2015): 668–94, https://doi.org/10.1111/irel.12110; Rachel West and Michael Reich, “A Win-Win for Working Families and State Budgets” (Center for American Progress; UC Berkeley Institute for Research on Labor and Employment, October 1, 2014), https://irle.berkeley.edu/a-win-win-for-working-families-and-state-budgets/.
 Jeanette Wicks-Lim, “Mandated Wage Floors and the Wage Structure: New Estimates of the Ripple Effects of Minimum Wage Laws,” Political Economy Research Institute, University of Massachusetts Amherst, PERI Working Paper Series, 116 (2006), http://scholarworks.umass.edu/peri_workingpapers/94/.
 Sylvia Allegretto et al., “Fast Food, Poverty Wages: The Public Cost of Low-Wage Jobs in the Fast-Food Industry” (UC Berkeley Labor Center), accessed December 8, 2020, https://laborcenter.berkeley.edu/fast-food-poverty-wages-the-public-cost-of-low-wage-jobs-in-the-fast-food-industry/.
Jacobs, Ken, Ian Eve Perry, and Jenifer MacGillvary. The Public Cost of a Low Minimum Wage in Georgia. UC Berkeley Labor Center, December 2020. https://laborcenter.berkeley.edu/the-public-cost-of-a-low-minimum-wage-in-georgia/.


BitKey is a bootable system image based on Debian containing everything you need to perform highly secure air-gapped Bitcoin transactions. You don't need to install it to a hard drive because it runs live from RAM.
Under the hood it contains a swiss army knife of handy Bitcoin tools that support a wide range of usage models, including a few very secure ones which would otherwise be difficult to perform. We created BitKey because we wanted something like it for our own use.
We're avid Bitcoin fans but after going to our first local Bitcoin meetup we discovered the elephant in the room was that there was no easy way to perform cold storage Bitcoin transactions where the wallet lives on an air-gapped system physically disconnected from the Internet.
The idea was to see if we could use the TurnKey GNU/Linux build system to create a self-contained read-only CD/USB stick with everything you need to perform Bitcoin transactions with as much security as you wanted - including highly secure air-gapped Bitcoin transactions.


Originally operating six items of equipment, increasing customer demand presented an exciting opportunity for Yellow Hire to expand their business. With the increasing number of machines, Yellow Hire was losing valuable time managing their rental business manually across whiteboards and spreadsheets.
- Yellow Hire started using Viberent to manage their entire rental operations – one system to control inventory, raise quotes, schedule maintenance and generate invoices integrating directly with their accounting package.
- As the team continued to expand, Viberent’s cloud-based system and mobile applications meant everyone could access the system anywhere, anytime.
- Yellow Hire saved at least 8 hours each week on data duplication and manually managing inventory.
- The business was able to grow quickly knowing they had a system in place to control their rental operations
- Yellow Hire now has over 60 items of equipment and growing!
“Using Viberent’s mobile app, I can now check our live inventory, pending quotes and deliveries while I am on the road which keeps me up to date with everything in the business. We no longer spend a day each month searching for invoices to upload into our accounting system. Viberent does that for us with the click of a button and we strongly recommend the system to anyone that asks”.
Arne Joyce – Yellow Hire


While many are thinking about working longer to put some extra cash for retirement in the bank, a medical team claim people who retire early enjoy better health and live longer.
That sets a conundrum for retirement savers.
If they retire early and live longer, they may not have enough money to fund a comfortable retirement as their funds run out before they die.
On the other hand, working longer to put more money aside for retirement could mean they are not so healthy once they give up their job and live a shorter life.
The theory from a team of Dutch researchers was based on a group of civil servants who were all granted early retirement in 2005.
Health benefits of stopping work
They had to be aged 55 or over and with no less than 10 years continuous service.
The study found that men who retired early were 2.6% less likely to die in the next five years than those who stayed at work.
Similar investigations in the USA, UK, Germany and Israel all concluded that retiring early had positive health effects. The American study found that retiring early reduced the risk of diabetes and heart attacks by a fifth.
Medical evidence suggests illness in retirement can be due to loneliness or isolation and a US study highlighted that those giving up work early were less likely to suffer depression or loneliness, while physical workers like builders who are used to heavy exercise because of the nature of their jobs are more likely to become obese in retirement.
Linking improved health with retirement
Linking early retirement with better health is not always obvious as many people give up working because of failing health. This can give a false impression that retirement leads to poor health and early death.
The studies also indicated that having more time in retirement to exercise contributes to a healthier lifestyle and living longer.
Balancing the need for saving enough money for retirement against surviving more years with good health is not an easy choice.
But, as the saying says, there’s no point ending as the richest man in the graveyard.


When you create a chart, Excel automatically fills in the axis with a range of numbers which many times will make the chart tougher to read. It will usually start the values at 0 even though you might need to start it higher. Below is an example.
It lists CPI rates by month. However the smallest is about 2.3% and the largest is 4%. However this chart starts at 0%. If we want to change that, you have to do the following:
Click on the chart and then click on the axis values, which is this case is the percentages. You should then see a box around them.
Click format under chart tools and then click Format selection on the far left.
This will bring up a dialog box. At the top of the first page are the minimum and maximum values. This is where you can change the values.
So now you should have a new chart that looks like this:


Many homeowners supplement their primary home heat source with a wood stove. Besides adding an instant, cozy atmosphere, a modern wood stove costs less to operate than a gas fireplace, and it’s extremely energy efficient. Wood stoves operate by burning compressed wood or biomass pellets to create heat. Biomass is an energy source derived from organic materials and a low-carbon fuel. In generating heat, a steady flame is produced and regulated by moving fuel from the storage container to the hopper to guarantee optimum efficiency. Not only can these stoves reduce your overall utility bill, but they can also lessen the use of fossil heating fuels that are damaging the environment. The chimney confidants at Hometown Hearth explain how we’ve been leveraging this program and what it means for you as the homeowner.
What Is the Wood Stove Tax Credit?
On December 28th, 2020, new legislation was signed into law—a 26% federal tax credit for wood stoves and wood stove installations complying with the Biomass Thermal Utilization. The new tax credit is under Section 25(D) of the US Internal Revenue Code. It came into effect on January 1st, 2021, and will last until December 31st, 2022, before it drops to 22% in 2023. Below we touch on the main points and explain which stoves qualify.
The wood stove tax credit began on January 1st, 2021, and states that if you purchase and install a wood or pellet stove with a Thermal Efficiency Rating of at least 75% or higher, you will be eligible to claim an uncapped credit based on the total cost of the stove, including purchase and installation. What makes a wood stove qualify for the 26% tax credit?
- The stove must meet the 2020 EPA standards
- 75% efficient wood stove or higher
- Must be purchased and installed in 2021 or 2022
You must claim your credit for the year your stove was installed. You can claim the credit on IRS Form 5695 under Residential Energy Efficient Property Credit. If you made a previous qualifying stove purchase and would like to receive a credit, you can file an amended return using IRS Form 1040-X. At Hometown Hearth, we can deliver top-notch chimney repairs required for a safe installation of these wood units so you can receive the uncapped tax credit. If you’re interested in buying a qualifying stove, you can search the Wood Stove Database, and our team would be happy to help with purchase and installation.
Why Choose Hometown Hearth for All Your Hearth and Chimney Product Needs?
For almost 30 years, the friendly chimney confidants of Hometown Hearth have provided customers across Philadelphia, Delaware, and Chester Counties with the highest quality hearth and chimney products, installation, repair, and restoration services. Whether you need help determining if you own a 75% efficient wood stove or are interested in learning if your current stove qualifies, our team is here to help. If you’re ready to enjoy the best wood fireplace and wood fireplace inserts installed by our team, contact us today at 610-833-1034 to get started.


Insurance policies are the foundational blueprints that provide individuals, families, and businesses with the protection and peace of mind they need in the face of uncertainties. Within these documents lie the key components that outline the terms, coverage, and obligations of both the insurer and the insured. Join us as we dive into the intricacies of insurance policies, breaking down the five essential parts that make up their structure.
1. Declarations Page: Your Insurance Identity
Consider the Declarations Page at the front door of your insurance policy. This section acts as your introduction to the policy’s details. It includes essential information such as the policyholder’s name, address, policy number, effective dates, and insured items or individuals. It’s essentially the snapshot that encapsulates the who, what, and when of your coverage.
2. Insuring Agreement: The Heart of the Matter
The Insuring Agreement forms the core of the insurance policy. It outlines the promises made by the insurer to the insured. This section specifies the type of coverage provided, the risks or events that are covered, and any limits or conditions associated with the coverage. In essence, it details what the insurance company is obligated to do in the event of a covered loss.
3. Coverage and Exclusions: Navigating the Boundaries
Within this section, the policy outlines the scope of coverage – what’s included and what’s not. It lists the risks or events that the policy will cover, as well as the situations where coverage may be denied. This section helps policyholders understand the boundaries of their insurance protection and make informed decisions about their risk management strategies.
4. Conditions: The Rules of Engagement
Conditions lay down the rules that both the insurer and the insured must follow. These can include requirements for notifying the insurer of a claim, cooperating during the claims process, and adhering to any specific actions to mitigate losses. This part is vital for ensuring a smooth claims process and avoiding potential disputes.
5. Endorsements and Riders: Customizing Your Coverage
Think of endorsements and riders as the customizable features of your insurance policy. These are additional provisions that can be added to your policy to tailor the coverage to your specific needs. Whether you’re looking to increase limits, expand coverage, or add specialized protection, endorsements, and riders allow you to fine-tune your policy to match your unique circumstances.
Understanding the anatomy of an insurance policy is like having a map through uncharted territories. The five essential parts – Declarations Page, Insuring Agreement, Coverage and Exclusions, Conditions, and Endorsements and Riders – collectively provide a comprehensive guide to your insurance coverage. Just as a well-constructed building needs a solid foundation, your insurance policy’s structure ensures that you’re protected, informed, and equipped to face life’s uncertainties head-on. So, the next time you receive an insurance policy, remember that it’s not just a document; it’s a blueprint for safeguarding your future.


Unprecedented corporate fraud in Software History
An estimated $1.5 billion (Rs 7600 crore) may have disappeared in the fraud confessed to in 2009 by the now-jailed chairman of Satyam Computer Services Ltd. Satyam’s failures were many and systemic—from a weak auditing process to ineffective board oversight to a leader intent on committing fraud. For corporate leaders, regulators, and politicians in India, as well as for foreign investors, this “Enron moment” demanded a reassessment of the country’s progress in corporate governance. The resignations of an unprecedented 620 independent directors over the following year added to the mounting concerns.
As a consequence, India’s ranking in the CLSA4 Corporate Governance Watch 2010 slid from third to seventh in Asia. The CLSA report stated that India “has failed to adequately address key local governance challenges such as the accountability of promoters (controlling shareholders), the reputation of relatedparty transactions, and the governance of the audit profession.” The ensuing debate over reform approaches has raised such questions as, “How well are India’s companies being governed?” “Why the failures?” “Where were the regulators?” “What must be done to ensure that directors abide by best practice?”


If you’re reading this, you’re only a few clicks away from making one of the best decisions of your life...
A decision that may help you live a longer, happier life - free of the stresses faced by the many and avoided by few. This book is the key to a door that allows you to experience life differently when unlocked.
Whether you want to retire twenty years younger, or you want the ability to help the people closest to you, the decision that you make in the next few minutes has the power to impact your life in unimaginable ways.
“The most important investment you can make is in yourself."
- Warren Buffett
Don’t see this as a ‘purchase’ - it isn’t. It is an investment in yourself!
An investment that will allow you to spend more time with your family and friends.
An investment that has the potential to improve the quality of life for generations to come.
An investment to live a better life.
I've had countless people tell me that reading my book will make them $500,000+ in the next few decades once they implement my strategies or avoid unnecessary financial advisor/fund management fees. My book is $20 and if it has made/saved some of my readers $500,000, that's a 2,499,900% return on investment. Yes, you read that right.
Make the right choice today. Invest in yourself and invest in your future.
Content in this eBook
- How the Stock Market Works
- How to Diversify your Portfolio
- Index Fund vs. ETF (Pros and Cons)
- List of the Best Index Funds/ETFs (USA, UK, EU) + How to Find the Best Index Funds/Index ETFs
- How Compound Interest Works + The Rule of 72
- How to Avoid Paying Unnecessary Fees
- The Best Investing Strategy + Investing Principles to Follow
- How to Minimize Taxes When Investing (Roth IRA, 401k, ISA (UK)) + more
- The Best Brokerages (USA, Canada, UK, EU) + How to Find the Best Brokerage
- The 4% Rule
- The Three-Fund Portfolio
- Additional Resources for Investors
- Stock Market Glossary (35+ Must-know Terms)
- + Much More!
What is index investing?
Index investing is a hands-off investing strategy that requires little to no management. This book explains everything from getting started to minimizing your tax liability once you've made your fortune.
Is this book suitable for complete beginners?
Yes! I've purposely made this book easy to read, easy to digest, and easy to apply.
I'm not from the USA. Does this strategy work outside of the US?
Yes. The investing strategies within this book, including tax strategies, can be used in any country.
If I don't understand something in the book, can I ask you for help?
Of course! Send me an email at firstname.lastname@example.org and I'll be happy to help clear anything up.
What Readers are Saying...
If you aren't 100% satisfied after reading, send me an email at email@example.com within 30 days, and I'll give you a full refund.
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Australian Tennis Player Alex de Minaur Reaches $6 Million Net Worth
Alex de Minaur is an Australian professional tennis player who has a net worth of $6 million.
He has earned his wealth through endorsement deals with companies such as Nike, Lacoste and Wilson and also by winning various tournaments throughout his career.
His career highlights include reaching the quarterfinals at the 2019 US Open, making it to the finals of the 2019 Next Gen ATP Finals, and achieving a career-high ranking of world number 18 in early 2020.
He has also won four singles titles on the ATP Tour and represented Australia at the 2018 Davis Cup Final.
Alex de Minaur is one of the most promising young players on the men's tour and his net worth will continue to grow as he continues to achieve success.


International Financial Management, 12th Edition
- Jeff Madura
- ISBN-10: 1133947832
- ISBN-13: 9781133947837
- 752 Pages | Hardcover
- Previous Editions: 2012, 2010, 2008
- COPYRIGHT: 2015 Published
Equip your students for success in international finance with the depth of theory and practical applications in this best-selling text. Madura's INTERNATIONAL FINANCIAL MANAGEMENT 12E builds on the fundamental principles of corporate finance to provide the timely information and contemporary insights your students need to prosper in today's global business environment. Well-known for its inviting reader-friendly style and clear explanations, this book introduces international finance with a focus on the important role of modern multinational corporations in global commerce. The book discusses a wide range of managerial topics using a strong corporate perspective and updates throughout the text emphasize the most recent financial changes and industry trends to prepare your students for contemporary practice. This edition also highlights financial reform and its impact on international finance today with "Financial Reform" margin call-outs. Online Articles as well as expanded real-world applications and clear, relevant examples provide the hands-on experience your students need to understand and effectively manage within the dynamic field of international finance. Instructive diagrams, learning features, and self-test opportunities further guide your students to the strong understanding of financial theory they'll need for international finance success.
Part I: THE INTERNATIONAL FINANCIAL ENVIRONMENT.
1. Multinational Financial Management: An Overview.
2. International Flow of Funds.
3. International Financial Markets.
4. Exchange Rate Determination.
5. Currency Derivatives.
Part II: EXCHANGE RATE BEHAVIOR.
6. Government Influence on Exchange Rates.
7. International Arbitrage and Interest Rate Parity.
8. Relationships among Inflation, Interest Rates, and Exchange Rates.
Part III: EXCHANGE RATE RISK MANAGEMENT.
9. Forecasting Exchange Rates.
10. Measuring Exposure to Exchange Rate Fluctuations.
11. Managing Transaction Exposure.
12. Managing Economic Exposure and Translation Exposure.
Part IV: LONG-TERM ASSET AND LIABILITY MANAGEMENT.
13. Direct Foreign Investment.
14. Multinational Capital Budgeting.
15. International Corporate Governance and Control.
16. Country Risk Analysis.
17. Multinational Capital Structure and Cost of Capital.
18. Long-Term Debt Financing.
Part V: SHORT-TERM ASSET AND LIABILITY MANAGEMENT.
19. Financing International Trade.
20. Short-Term Financing.
21. International Cash Management.
All supplements have been updated in coordination with the Main title.
Please see Main title page for new to this edition information.
Accessible from the instructor companion site, Cengage Learning Testing Powered by Cognero is a flexible, online system that allows you to author, edit, and manage test bank content from multiple Cengage Learning solutions; create multiple test versions in an instant; and deliver tests from your LMS, your classroom, or wherever you want. The Cognero Test Bank content is tagged according to Tier I (Business Program Interdisciplinary Learning Outcomes) and Tier II (Finance-specific) standards, topic, Bloom's Taxonomy, and difficulty level.


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endorsement, investigation, verification or monitoring by Bank of Tucson of any information in any hyperlinked
site. In no event shall Bank of Tucson be responsible for your use of a hyperlinked site.
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Please note that Bank of Tucson's website will no longer support Internet Explorer 8, or older versions of Internet Explorer. Please upgrade your browser to fully experience the features and security of our new website. Thank you.


Autogates have become a popular choice for homeowners in Malaysia who are looking for an added layer of security and convenience. While the benefits of an autogate are clear, the cost of installation can be a significant factor in the decision-making process. In this article, we’ll explore the cost of installing an autogate for your home in Malaysia, including installation, maintenance, and repair costs.
The cost of installing an autogate in Malaysia can vary depending on factors such as the type of gate, the size of your property, and the complexity of the installation. Generally, a basic autogate system can cost around RM 1,500 to RM 6,000, while a more advanced system can cost upwards of RM 10,000 or more.
Like any mechanical system, autogates require regular maintenance to ensure that they function correctly. Regular maintenance can include lubrication, checking for wear and tear, and adjusting the gate’s sensors and controls. The cost of maintenance can vary depending on the type of autogate and the complexity of the system. Generally, maintenance costs can range from RM 80 to RM 200 per year.
Even with regular maintenance, autogates can experience mechanical failures due to wear and tear, weather conditions, or accidents. Repair costs can vary depending on the type of repair needed and the severity of the issue. Generally, repair costs can range from a few hundred RM to several thousand RM.
Consider Upgrading to the Eden Robot eGate X1 Series
If you’re looking for a reliable and efficient solution to your autogate needs, consider upgrading to the Eden Robot eGate X1 Series. This state-of-the-art automatic gate system offers advanced features such as intelligent obstacle detection, real-time status monitoring, and remote control via the Eden Robot app. The Eden Robot eGate X1 Series is also designed for low maintenance, reducing the long-term cost of ownership. With the Eden Robot eGate X1 Series, you can enjoy the convenience and security of an automatic gate without the high costs associated with other systems.
Installing an autogate for your home in Malaysia can be a significant investment. While the costs involved can vary depending on the type of system, size of your property, and other factors, it’s essential to consider the long-term benefits of added security and convenience. Regular maintenance and repair costs should also be factored into your decision-making process. Consider upgrading to the Eden Robot eGate X1 Series for a reliable and efficient solution to your autogate needs that will provide long-term savings.


Cary Park District Financial Information
The Cary Park District is a recipient of the Certificate of Achievement for Excellence in Financial
Reporting from the Government Finance Officers Association of the United States and Canada (GFOA)
for its comprehensive annual financial report. The award is the highest form of recognition in the area of
governmental accounting and financial reporting.
Below are links to the budget, audit, and other financial information for the District.
Annual Budget and Appropriation Ordinance
Annual Comprehensive Financial Report
Total Compensation Package Information
- Pursuant to Public Act 97‐0609, the following information is being provided for budget year
ending April 30, 2024. Total Compensation Notice FY 2023-24
IMRF Employer Cost and Participation Information
- Pursuant to Pubic Act 101-504, amending the Illinois Pension Code (40 ILCS 5/7-135.5), as a participating member of the Illinois Municipal Retirement Fund (IMRF), the Cary Park District is required to provide the link below to IMRF’s website pertaining to information regarding IMRF’s employer cost and participation:
Cary Park District Receives GFOA Award
The Cary Park District received the Certificate of Achievement for Excellence in Financial Reporting from the Government Finance Officers Association of the United States and Canada (GFOA) for its Comprehensive Annual Financial Report. The Certificate of Achievement award is designed to recognize and encourage excellence in financial reporting by state and local governments. This award is the highest form of recognition in the area of governmental accounting and financial reporting.
The purpose of the Certificate Program is to encourage all government institutions, including Park Districts, to prepare and publish an easily readable, organized, and understandable Annual Financial Report. The Cary Park District’s Comprehensive Annual Financial Report for the fiscal year ending April 30, 2021, was judged by an impartial panel to meet the high standards of the GFOA program. The Cary Park District has received the GFOA award for Comprehensive Annual Financial Reports for the last 16 years.
The GFOA is a nonprofit professional association serving approximately 20,000 government finance professionals with offices in Chicago, IL, and Washington, D.C. The Certificate Program was established in 1945.


*The estimated price is not the same as a final quoted price. The final quote price should be very close, if not less, to the estimated price. If you have any questions, please call us toll-free at 1-877-226-9433.
**Please also keep in mind that we utilize the industry standard 10% over/under policy. Due to our sheet supplier’s production methods, we may receive 10% more or less of the sheets needed to complete your order. If it is 10% more, then you are required to pay for the overrun of boxes before we ship. If it is 10% under, then we will refund the underrun back to your credit card.


Take Charge of Your Loan Repayments with the Ultimate Amortization Schedule Calculator: In-Depth Guide and Practical Benefits
Amortization Schedule Calculator
Managing your finances effectively often includes keeping track of your loan repayments. Our user-friendly Amortization Schedule Calculator can help you do just that by providing a detailed overview of your loan payments throughout the repayment term. In this blog post, we will discuss the features of our calculator, explain the required inputs, and demonstrate how to use this powerful tool to make well-informed decisions about your loan.
The Amortization Schedule Calculator: A Comprehensive Solution
The Amortization Schedule Calculator is designed to provide you with a complete breakdown of your loan payments over the entire repayment period. This tool factors in the loan amount, interest rate, number of payments, and payment frequency to generate a detailed payment schedule, including both principal and interest components.
Inputs Needed for the Amortization Schedule Calculator:
- Loan amount: The total amount you have borrowed or intend to borrow.
- Interest rate: The annual interest rate for your loan, expressed as a percentage.
- Number of payments: The overall number of payments to be made throughout the loan term.
- Payment frequency: The regularity with which you make loan payments, such as monthly, bi-weekly, or weekly.
Utilizing the Amortization Schedule Calculator:
To effectively use the Amortization Schedule Calculator, follow these easy steps:
- Provide the loan details: Enter the loan amount, interest rate, number of payments, and payment frequency in their respective fields.
- Click “Calculate”: The calculator will generate a comprehensive amortization schedule, displaying the principal and interest components for each payment period.
- Analyze the results: Review the amortization schedule to gain valuable insights into your loan payments and understand the distribution of principal and interest payments over the loan term.
Advantages of Using the Amortization Schedule Calculator:
- Better financial planning: The calculator enables you to create a realistic budget that accommodates your loan payments, ensuring that you can fulfill your financial commitments.
- Informed loan management: Gaining insights into the distribution of your loan payments allows you to make well-informed decisions about prepayments, refinancing, or adjusting your payment frequency to save on interest expenses.
- Accelerated debt repayment: Understanding the interest and principal components of your loan payments can help you devise strategies to pay off your loan more quickly, such as allocating extra payments towards the principal.
- Tax planning: For loans with tax-deductible interest payments, the amortization schedule can help you plan your tax deductions accurately and optimize your tax strategy.
The Amortization Schedule Calculator is an essential tool for anyone seeking to gain control over their loan repayment process. Armed with detailed information about your loan payments, you can make well-informed financial decisions and manage your debt more effectively. Try our Amortization Schedule Calculator today and take a significant step towards achieving financial stability.


IWOOT – Stuff you really, really wantThe ATM Touch Screen Bank is the perfect place to save your cash. An updated, somewhat more hi-tech version of the piggy bank, this little saving box is like having your very own ATM in your bedroom. Secure from siblings, parents and housemates, this personal saving bank is secured with a card and password. Featuring a touchscreen, an auto roll deposit slot for notes and an automatic coin counter, you can set a savings target, the time, an alarm and check your balance at any time. The ATM Touch Screen Bank is a great little gift for anyone in need of encouragement to save their pocket money or Birthday cash.Suitable for ages 8 and over.Requires 3 x AA batteries (not included).Dimensions: H: 19cm x W: 15cm x D: 14cmPlease note: The ATM Bank will only accept GBP.


Milled rice exports will recover in 2022 after dropping this year, according to the Cambodia Rice Federation. Cambodia exported 530,000 metric tonnes (mT) of milled rice in the year through November and the federation is forecasting 630,000 mT for the whole of 2021. That compares with a total of 690,000 mT last year, which would be a drop of 8.7 percent. Next year, the federation forecasts a rebound to 700,000 mT which would be a year on year rise of 11.1 percent compared with this year’s estimate.
“The key markets for Cambodia that I can see are the European Union countries. China will still play a big role in high quantity exports,” said Cambodia Rice Federation Vice President Andy Lay.
Lay said the rising shipping costs and shortage of suitable-sized containers that have hit exports over the past two years are likely to continue in the short term.
“That will at least take another six months for everything to get back, not to normal, but to ease the situation,” he said. “The reason for the increasing shipping costs is the closing of the borders and surge in the Covid-19 pandemic in the USA and Europe, making the returning of empty containers quite difficult.
Shipping costs have increased because the shipping companies are taking advantage of this position to increase their profits. The profits of shipping lines in 2021 are almost five times what they did in 2020. Now countries are opening their borders, reducing quarantine so I think economies are recovering. I can see from July onwards the shipping costs may come down,” Lay said.
Lay is the Chief Executive Officer of City Rice Import Export Company Ltd which was Cambodia’s biggest milled rice exporter last year and will hold onto the title this year if his forecast of 100,000 mT is correct. Next year he says the company will export as much as 20 percent more milled rice. The company buys all its rice from local farmers and says it aims for sustainable growth in production.
To meet the expected rise in demand City Rice is considering whether to invest more in its wet paddy drying facilities from 1,500 mT a day capacity this year to as much as 2,000 mT a day in 2022.
Lay said he agreed with the likes of the Asian Development Bank, which has called on Cambodia to modernise its agricultural technology and educate farmers on how to use new equipment but he says it will lead to suffering in the short term.
“In purchasing the technology and as far as the education level as well to accommodate the changes its quite troublesome. I don’t see it in the next couple of years but in the next five to 10 years I can see the new generation of farmers will come up with higher education and so I can see Cambodia will move up to a high-tech agricultural country,” he said.
Cambodia is likely to be increasingly affected by droughts and floods due to climate change and Lay said farmers need to adapt to deal with it.
“Our business is relying on the sky,” Lay said. “Farmers have lost a lot of production, a lot of capital during the drought years but luckily this only happened every three to four years. To farmers flooding is better than drought. Drought has damaged a lot of production yield, has degraded the land. This year we have seen an increase in the growing of the OM5451 variety which is a crop that doesn’t need a lot of water, has high production yields and is less susceptible to climate change.”
Normally Cambodian farmers grow a mix of 60 percent fragrant rice and 40 percent OM5451 but the mix has now shifted to only 25 percent fragrant and 75 percent OM5451 rice, Lay said.


Now buy top brands such as Ethnicraft, Conran, Polo Divani, 4 Living, Heathfield, Greenapple with interest free credit.
4 Living has teamed up with DEKO to offer you 12 months 0% APR interest free credit on any order over £500 or up to 48 months at a low rate of 9.9% APR. This means you will be able to spread the cost of your purchase over 6, 12, 24, 36 or 48 easy monthly payments (subject to status).
Please note it is not possible to combine interest free finance with promotional or seasonal sales offer discount codes.
Just checkout online now, select finance as your payment option and complete the easy 5 minute online application that follows. You pay a deposit of between 10% and 50% and and select 6 or 12 months 0% interest free or up to 48 months with a low rate of 9.9% (Applicants need to be a over 18 years of age and be a UK resident.)
To buy your items with interest free credit just select the finance payment option during checkout and complete the easy 5 minute online application that follows that is all!
Consumer credit service is provided by Pay4Later Ltd trading as DEKO. Pay4later Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 728646). Registered offices are at 33 St Mary Axe, London, EC3A 8AG. For more information please refer to https://www.dekopay.com/faq or visit https://www.dekopay.com/
Finance is provided through the DEKO platform by a number of lenders. You will be offered the best rate available based on your credit history and our lenders’ credit decision policies. You will be informed who the lender is at the point the loan is offered and provided with their full contact details.


Daniel J. Brown, CPA, a local firm with
more than 25 years experience
Dan provides income tax preparation and
planning services and IRS representation.
In addition, he counsels clients on business start-ups, divorce,
estate issues, retirement and college planning, and
many other tax and financial matters.
By providing exceptional service, Dan builds lasting
relationships with clients. Many have
been returning since the firm was
established and children of clients have become clients
themselves. Many clients who move to other states or abroad continue to use his services.
Due to the Coronavirus pandemic, in-person meetings have been significantly curtailed. Zoom meetings are available. Documents can be dropped off at the office, emailed using our secure portal, sent by USPS, FedEx, or UPS, or faxed.
Understand Your Tax Opportunities and
"I have seen people overpay taxes by
thousands of dollars
they made uninformed
Dan wants clients to avoid making uninformed decisions and to pay no
more income tax than is required. After considering the circumstances of
clients, he offers tax
gladly answers their questions. The Tax Cut and Jobs Act (TCJA)
passed in December 2017, effective January 1, 2018, had a broad impact. It affected: (a)
small business owners, independent contractors, and landlords, (b)
divorce settlements, (c) employees with unreimbursed business expenses,
(d) charitable giving-especially for those over 70.5, and (e) the
deductions for state and local taxes (SALT) and mortgage interest.
TCJA nearly doubled the standard deduction and introduced the concept of Qualified Business Income (QBI). With
exceptions, only 80 percent of income classified as QBI is taxable.
TCJA also eliminated the personal exemption for taxpayers and their
dependents; in its place credits for dependents were introduced.
More recently, The SECURE Act and Coronavirus relief bills were passed. Go to the Tax Law Changes tab for more information.
Below are the types of questions Dan is asked:
- I am starting a new business, what expenses
can I deduct? Or, I will be an
independent contractor, what can I deduct? Should
I make estimated tax payments?
- With the higher standard deduction and cap on state and local taxes, I no longer get a tax savings from my charitable contributions. Is there a way I can deduct my contributions?
- How does Qualified Business Income affect me?
- In the past, I made nondeductible IRA contributions but never told my tax
preparer. Is that OK?
- I had a high income for many years
and made large retirement plan contributions; but I have not worked this past
year; are there tax
- As a self-employed person, how should I save for my children's college, for retirement? To pay for
- I received a small inheritance. What will the income tax be?
- Should I convert my retirement accounts to a
- I changed jobs. Should I rollover my 401(k)
or use it to pay bills? Should I use it
for my child's tuition?
- Is my IRA ever required to file a tax return?
- My widowed mother named me executor of her estate; when
she passes, what should I do?
- I have a bank account overseas and pay
income tax on the earnings to the foreign country. Can I disregard it on my federal 1040?
- Should I sell my appreciated rental property or
do a like-kind exchange?
- Can I make a "back door" Roth IRA contribution?
- My income is too high for me to qualify for an
education credit; can my child take the
- I am a minister. How is my self-employment
tax calculated? What's covered by my
- I play online poker and was told I should file a FinCEN form 114. What is this form and how do I file it?
- The divorce is not final and we are living
apart. Should we file jointly or
separately? Head of Household?
- My child's college tuition and fees were paid by
scholarships; am I disqualified from taking education credits?
- What are the advantages of deducting a home office? Am I eligible?
- As part of our estate planning, my spouse and I created a joint living trust. Should we file a tax return for
the trust? Since our assets are less than the personal exemption, when the first one passes, should the surviving spouse file a 706 estate tax return?
- Will my estate pay an estate tax when I pass?
- I receive money every month from my ex-spouse. Is
- What is the downside to financing my new business with my IRA?
- I exercised stock options and sold the stock; how do
I figure the taxable gain?
- Should I gift my house to my children now, while I am living, or pass it to them after I die?
- Does the elimination of the "stretch" IRA affect my estate planning?
Dan asks clients:
- Do you have a will or trust? Is it up to date? (If your trust does not consider "portability" and does not allow flexibility in determining how much of the estate should be put into a credit shelter trust, it is probably not up to date.)
- Have you reviewed your primary and contingent beneficiary designations on your life insurance and retirement accounts lately? Do not rely on your will for designating beneficiaries of these assets.
Appointments are available 9:30 am to 7:30
pm Monday through Thursday and 9:30 am to 3:30 pm Friday
and Saturday. Call
630 629-4400 to
schedule an appointment.
4 Miles South of Oakbrook Shopping Center
119 E Ogden Avenue, Suite 130
Hinsdale, Illinois 60521
630 455-1190 fax


I am extensively acknowledged as a leading expert in the stock market and particularly at teaching you how to become your next-door neighbor's millionaire next door. I didn't begin as educated and experienced as I am now. I began out knowing almost absolutely nothing. When a complete service stock broker stole $85,000 from my eighty year old grandmother, I was so unskilled in my early twenties that I could only stand by. I watched the across the country stock brokerage protect the interests of the complete broker and my granny lost whatever.
The discomfort of this was so extreme that it drove me to finish my Ph.D. in financing-- less than a numerous us finish in this degree around the world annually since it is so mathematically tough. My disappointment and anger at the huge abundant forces behind Wall Street drove me to become a contemporary day master of cash. This is what you have to do-- get up!!! Awaken to the fact that you can make it as a stock financier. Awaken to the reality that you control your destiny which you can stop handing all of the control over to the Wall Street device that could definitely care less about your monetary future. This is the first action-- take full duty for you revenues, cost savings and financial investment.
I discovered years ago from a friend of mine, Dr. Van Tharp, Ph.D., that if I didn't take complete duty for my investing that I would never advance-- I would merely break the delicate feedback loop that permits all of us to discover from our errors. Whenever you blame anybody for a monetary mistake you damage the chance to grow and learn from the situation. The easy choice you must make is to anonymous deeply, completely, firmly, and finally, say to your self, "I am the master of my universe-- I am in control-- Wall Street has no power over my mind" is the essential critical modification you need to make in your thinking.
Some individuals will think that you are arrogant however simply blow them off and laugh all the method to the bank. Stop listening to individuals-- are these meddlesome little bug a bugs in your life that so rapidly nay state your financial investment dreams paying your costs or providing you money to continue-- no so blow them off! They just wish to provide you bad recommendations so that you fall into their very same financial loser traps. In regards to investing become an island unto yourself and really carefully cultivate relationships with people who truly do understand what they are carrying out in investing. This is precisely what I did. I started looking for people who actually comprehend the marketplaces. I found them with time and I asked them great deals of questions.
I am commonly recognized click for more as a leading professional in the stock market and specifically at teaching you how to become your neighbor's millionaire next door. I was so about his unskilled in my early twenties that I might just stand by when a full service stock broker stole $85,000 from my eighty year old grandma. I saw the nationwide stock brokerage protect the interests of the full service broker and my grandma lost whatever.
This is what you have to do-- wake up!!! Wake up to the fact that you can make it as a stock investor.


An invoice is a document given by the seller or certain goods or services to the clients that contain details of the customer and the dealer, the list of the products and other related information. Online invoicing hence allows a seller of these commodities to indicate such information on online platforms such as the customer portals and the websites. Online invoicing has very many advantages. Some of the reasons why online invoicing is essential may include. First, it helps to make the processing of orders made by the customers to be quick. This is vital because the clients can get their orders delivered on time and also make payment for these goods.
Online invoicing is crucial because it helps to reduce the tasks of the supplier of these goods and this is because it is automatic. Online invoicing support the payment for the goods and services supplied to the clients through the internet. This is important because it simplifies these transactions. Online invoicing helps in navigation especially when searching through information. The accounting tasks, therefore, becomes simple for both the customer and the sellers. Another reason as to why online invoicing is vital is that it helps to cut down various costs incurred by the dealer of the goods such as purchasing of the stationery, costs incurred when delivering the invoices among many other. To learn more, click here.
The online invoices are essential because they are free from errors. Customers are not charged excess or lower than the actual cost of the goods and services offered. This helps to prevent loses suffered in situations when such errors occur. Online invoicing is crucial because it can be done for all types of goods on which orders are made. Various organizations and businesses, therefore, have a chance to use these internet services to promote their services. Check https://www.sighted.com/blog/net-30-net-60-or-net-90-terms-and-what-does-it-all-mean for more info.
Online invoicing is essential because it helps a dealer to handle huge orders. Sometimes, it may be difficult to capture all the items ordered by a customer especially when relying on the paper way of recording orders. Online invoicing therefore simplify these tasks and ensure that customers are satisfied. Another benefit of online invoicing is that it helps in creating reminders which are essential in debt collection activities. This is where the dealer is alerted on the debts held by the customers. The backup features of the online invoicing which help in data recovery are vital since they ensure that the dealer can access this information even when the online platforms are corrupted. Visit https://www.wikihow.com/Invoice-a-Customer for other references.


ACH Direct Debit Authorization Program
The Automated Clearing House program – or ACH – allows Optimist Clubs
to pay their bills electronically. It’s an easy and efficient way for Clubs
to handle their financial obligations to Optimist International. Best of all,
the program is secure!
To initiate the ACH direct debit bill form of payment for a Club, Optimist International
needs the following two items:
1. A completed "authorization agreement for direct debits" form. You
must choose the agreement applicable to your Club:
US Dollar ACH Debit Authorization Agreement
Canadian Dollar Pre-authorized
2. A voided check or bank draft (or copy) for the bank account from which you
would like us to withdraw money (debit). Please do not use a deposit slip. Note:
Only one bank account per Club can be assigned for ACH.
You can fax both the completed authorization agreement form and a voided check
image to the attention of Michele Ervin at (314) 371-6006.
Or mail the information to:
c/o Accounting Department
4494 Lindell Blvd.
St. Louis, MO 63108


Look for the quality mark. Pure gold, or 24karat, is generally considered too soft for use in jewelry, so it is alloyed with other metals to increase its strength. Eighteenkarat gold is 18 / 24 ths, or threequarters pure gold. Jewelry of this fineness is marked "18k" or "750," the European designation meaning 75 percent gold.
03/09/2021 · The gold prices used in this table and chart are supplied by FastMarkets. Where the gold price is presented in currencies other than the US dollar, it is converted into the local currency unit using the foreign exchange rate at the time (or as close to as possible).


In case you think DH and I lowered our grocery bill and haven’t been eating well or have shortchanged our menu plans, I spent a week taking iPhotos of our meals with my smart phone and set up a little slide show. I put a caption under each photo describing the dish. Almost all the food was purchased at Aldi with the exception of the beef and whole wheat pita bread (Stop & Shop) and the chick peas (dried, at Shop Rite). I’ve also included a pic of our favorite table wine, Paisano by Carlo Rossi @$14 for the 4 liter bottle. If we conserve, the bottle usually lasts for six weeks.
As far as our monthly budget goes, there is absolutely nothing more we can cut out of it. Our bills are fairly the same each and every month. Most of my utilities are on basic or bare bones. We’ve stopped going to restaurants, shopping retail, buying entertainment, etc. If it isn’t free, we don’t do it.
One of the last challenges left for us to face was to somehow lower our grocery bill without affecting our high quality menu planning. DH and I take our food seriously. We’re both excellent cooks and we demand meals made with good quality ingredients.
I came up with a solution that if we streamlined our meals and narrowed our choices we might be able to achieve our goal, lower the food bill yet still retain our high quality, healthy meals. It was a team effort and I am happy to report that DH and I have successfully accomplished our goal. We have lowered our monthly food bill by 38%! We used to pay on average $516 a month for the two of us. Now? I can safely say we are currently averaging $317 a month. That’s a savings of almost $200 a month!
We did this by narrowing our food shopping to one main store, Aldi. Once or twice per month I would shop at another grocery store, either Stop & Shop (Thursday only, when all meats and veggies/fruits are discounted) or Shop Rite (when they have their canned good sale/pasta sale/organic chicken sale). I only buy food at these stores. Anything else, such as shampoo, soap, cleaning supplies are purchased at The Dollar Store.
This savings came just in time because DH and I will be facing a steep increase in one of our budgetary categories: medical. DH had some unexpected medical treatment this year due to contracting Lyme Disease. Who would have ever thought that a teeny, tiny little tick could have done so much damage to his health. He’s had a plethora of tests because the Lyme affected his heart and possibly his brain. We’ll know more soon when results from other tests come back. But in the meantime, DH’s out-of-pocket costs, plus his high deductible have pushed us over our budget. I’ve called everyone who we still owe money to (hospital, doctors, labs) and worked out a monthly payback of $217 a month total.
Is it a coincidence that the medical amount is very close to how much we have saved on our grocery budget?
And so my beat goes on.


James Sculthorp-Wright is a Chartered Financial Planner and Managing Director of Wolf Rock Financial Planning. Having worked in the financial services industry for a decade, James has attained the qualification of Fellow of the Personal Finance Society, the most prestigious level of professional achievement based on technical ability and knowledge.
Due to the advice areas we specialise in, James is proud to be a fully accredited member of the Society of Later Life Advisers (SOLLA), which is recognised as the gold standard in advising later life clients, and is independently audited and endorsed by the Government’s Financial Skills Partnership (FSP).
Outside work James is a lifelong volunteer, and has worked with a number of charities and not-for-profits, including the South Western Ambulance Service, and Rotary International. James is currently a Trustee of Creative Kernow, a registered charity supporting the development of creative communities and businesses in Cornwall and through national and global partnerships. He is also an Emergency Ambulance Crew volunteer for St John Ambulance.


The capital of Telangana, Hyderabad is known as the IT and Pharma hub of India. Obviously, the real estate market is a mature one in the city with more people interested in buying under-construction projects.
The government authorities are focusing on boosting sustainable and affordable housing segments of the real estate market. Liberal policies, infrastructure development, and the creation of smaller districts are the main reasons for builders and developers in Hyderabad to invest heavily in the sector.
If you are new to the city here are some important tips to consider before you buy a home.
Set your budget after doing a proper analysis of your finances. If you are taking a loan, consider all the costs involved and budget the EMI payment from your income. You must do long-term and short-term calculations on paper in order to know where exactly you stand. If you are checking flats for sale in Miyapur for example, you need to check if it is within your budget.
Original article published at https://www.ezeebiz.in/essential-tips-for-first-time-home-buyers-in-hyderabad/


Service fees cover the costs incurred by Travelden in booking and servicing your travel reservations. In the event of the client cancelling a booking, Travelden shall have the right to either claim an amount or to retain an amount of the payment as cancellation fees payable to Travelden. We will not provide a refund to you until we receive the funds from the relevant supplier. Cancelled bookings may incur charges directly from the supplier. These charges can be up to 100% of the cost of the booking, regardless of whether travel has commenced. Where we incur any liability for a cancellation fee or charge for any booking which you cancel, you agree to indemnify us for the amount of that fee or charge. An amendment fee per booking may be levied for any changes to the confirmed itinerary and or ticket. This is charged in addition to the change fees charged by the supplier and other Third Party Service Providers. In the unlikely event of there being an unscheduled extension to the final itinerary caused by flight re-scheduling, flight delays, bad weather, strikes or any other cause which is beyond the control of Travelden, its agents or suppliers, it is understood that expenses relating to these unscheduled extensions (hotel accommodation etc.) will be for the client's account. While every effort is made to keep to the final itinerary in accordance with the client?s application, our suppliers and/or Travelden reserve the right to make changes intended for the client's convenience e.g. in some cases, weather conditions can necessitate an alteration in the itinerary and this does not constitute any reason for a refund. It is the client's duty to check each amendment to the itinerary.


The Greek crisis stems from a truly unsustainable development model that was followed for decades, as well as from Eurozone’s structural problems. However, it is not only the causes of the Greek crisis that are shared between Greece and the rest of Europe. The consequences of a potential Greek exit from the euro will certainly have an impact in both Greece and Europe as it will be a real catastrophy for the Greek economy and society, but also a severe blow for the European dream of a united Europe. Hence, euro must become a tool for unity, not for division and Greece mustremain in the Eurozone.
To address the Greek problem, the Troika (EU, IMF, ECB) continues to insist on a one-dimensional policy, based on "internal devaluation" and reduction of wages and pensions (more than 30%) as a tool for the increase of “competitiveness”, as well as on a dramatic cut of public investments and spending for social services.
Judging by the results of these policies during the past 2.5 years, one can observe that they failed to achieve their primary objectives. The deficit did not become eliminated while all predictions for the debt levels failed. In the process, however, something even worse occurred: The fiscal crisis was transformed into a deep economic and social crisis.
The harsh austerity policy led to an explosion of unemployment which reached the overall level of 23,1%, while youth unemploymentskyrocketed to 54,9%. Moreover,the household income was reduced by 25-30% and it is estimated that it will be further reduced by 5-7% until the end of 2012. Furthermore, 20.9% of the population now live below the poverty line, while the real economy is rapidly being destroyed, as Greece heads towards its sixth consecutive year of recession. The total reduction of the greek GDP will reach 20% (2008 – 2012) while it shrank by 6.2 percent just in the last quarter. The crisis has moved from the public to the private sector especially in SMEs which represent a huge part of Greek economy. As a result of all that, the huge amount of money that Europe is spending for the rescue of Greece, is to a large extent used to service the debt and recapitalise Greek banks, instead of being available to revitalise Greek economy.
Can the situation be reversed? It is certainly a very difficult task at the moment. First, Greece needs to urgently changeits administration model taking all the necessary steps to restore the common sense of justice. Second, Greece should set and achieve different targets and priorities in its economy. Emphasis should be placed on a green turn of the economy, which, as studies show, can create new jobs, while jumpstarting the economy in a sustainable and long-lasting fashion. Such a plan will enable Greece to succeed in fiscal consolidation and at the same time upgrade its social infrastructures as a means to compensate for the loss of income. This will in turn, strengthen social cohesion and solidarity and will provide the basis for citizens to start believing again that an exit from the crisis is possible. To this end, Greece shouldget the necessary support to overcome the deepest crisis it is facing in its recent history.
The Greens in the European Parliament are in favour of a number of reforms in policies promoted by the Troika as well as in the terms of the Memorandum of Understanding leading to the Second Economic Adjustment Programme. In this direction, we have publically presented 7 proposals for a way out of the Greek crisis:
1. Green New Deal Investment Package. Greece must be supported in investing in energy and resource efficiency and the use of renewable energy resources as well as in green and social innovation. The corresponding package should be financed from Project Bonds, the European Guaranty Funds, a fair levy on wealth and Financial Transaction Tax (FTT), in addition to the effective utilization of unused resources from Structural Funds andthe innovative utilization of financial instruments from Commission budget resources.
2. Adaptation of the terms of the Memorandum of Understanding to European policies and theirgoalsto successfully address employment, poverty eradication, social dialogue and sustainability issues.
3. Extension of the time available to Greece to achieve the fiscal targets by two (2) years (until 2016, instead of 2014) in order to succeed. The ESM should finance this extension.
4. Ensuring of the Greek borders with European guarantees, in order to freeze all armament programs for 3 years.
5. Ensuring a European support for migrants and refugees in Greece.
6. Engagement of the European Commission in the effort to get detailed data from the Swiss and other banks for Greek deposits. Help for the improvement of the efficiency of the Greek tax administration as well as fair tax harmonization measures in Europe.
7. European Agencies should directly support Greek regions and municipalities in revitalizing the real economy, absorbing the existing European Funds and mobilizing additional investments
If the data used for the ranking the financial state of regions for ERDF are primarily of theperiod before the crisis (2006-2009), this could lead to a situation where certain regions are erroneously classified as of higher financial performance, while the current socio-economic reality is totally different.
Although we undoubtedly need a long term policy for finding a way out of the crisis, which will include speeding-up the reaction of the European Union to the crisis, some social groups are facing an immediate problem of survival. A substantial part of the Structural funds should be earmarked - where necessary without co-financing - for social purposes, fight against poverty and the creation of jobs, especially for the young people. A Youth Guarantee System aiming at job creation in the 8 countries with high percentage of youth unemployment and a Solidarity Fund which could support directly the vulnerable social groups facing difficulties to survive in Greece and other crisis countries must be established with the utmost sense of urgency. The funding could come from the ESF and other European resources (e.g. 120 billion by “Europe for growth”).
Moreover, the debt crisis has led Member States to curb public spending and implement austerity budgets although massive investments are required to break the cycle of the crisis and achieve the EU 2020 strategy. It is therefore particularly important to increase the EU budget which is currently too small to handle the problem.
The establishment and implementation of a multilevel governance model is also of particular importance. Such a model must include a performance-oriented approach for the resources of the Structural Funds and the tools of the Cohesion Policy. At a more integrated level, the Greens propose a Green New Deal which constitutes a comprehensive response to the multiple crises, integrating macro-economic reforms with a social inclusiveness agenda and green industrial policy, from the local to the global level. We need to advocate the necessary investments to jump-start the urgently needed transformation to a sustainable greener economy, allowing the creation of new green jobs, thus leading to social cohesion.


Pupil Premium Information
It is a requirement that we provide information about the Pupil Premium allocation in our school and how we choose to use it.
Pupil Premium is an additional amount of funding that schools receive from the government to support areas of deprivation and vulnerable children. The amount each school receives is calculated by a number of different factors including the number of children who have free school meals, the number of Looked After Children and the number of Service children.
Pupil Premium is granted to help overcome barriers to educational achievement faced by the eligible pupils. In our school those barriers include: Social and Emotional needs, Communication needs, Sensory needs and Specific Learning needs.
We aim to address these needs through the provision detailed in our pupil premium statement for each academic year, follow the links below. (Please note that Pupil Premium is allocated to schools in financial years so there may be some anomolies in the funding detailed, depending on the time of year.) We measure the impact of our provision termly through our monitoring procedures. This is detailed at the end of the academic year in the impact column. We refine our provision termly if required, based on an audit of needs and impact.
If you would like to discuss this further please do contact the school and ask to speak to the headteacher.


Our metaverse is truly a work of art with all the functionalities it could have at this moment. It is created on a platform that supports the blockchain environment and above all it has the ability to produce NFTs from any property that is in the world having its value as a single object or as a larger whole.
The community is the one that really decides the value of any project, but in the present case this metaverse has offered its own value by the fact that it has a support for its functionality from virtual mining that overlaps with the energy production from the units that exist in the metaverse.
Even if the trend of these technologies had a period of decline, in the future all the statistics show an increasing demand for accessing them and the values paid for some projects can show the great potential we have.
Every user of our metaverse has the opportunity to transform his property into an NFT and hold it in his virtual wallet so that if he wants to, he can list it on a platform for selling NFTs in the crypto environment. The value of such an image is given by the perceived value of the project or even of the picture itself, as there is currently no measure by which a possible future concrete value can be estimated.


Leasing from Her Majesty the Queen in Right of Canada
Englewood Village is located on Crown land held in reserve for the Tzeachten First Nation. The Tzeachten First Nation voted as a majority in favour of the Crown issuing a 99-year pre-paid lease to Englewood Village LLP, the Developers. The two parties involved within the lease are Her Majesty and Englewood Village LLP. The lease commenced in July 2008 and will expire in June 2107.
Homeowners within the development shall pay sublease payments of $200 per month. The monthly sublease payment shall be reduced to $100.00 a month until Jan 1, 2013. The main sublease payment shall be increased every 3 years starting Jan 1, 2013 accordingly to theconsumer price index (CPI) or a minimum of 1% each year. The head lease is binding between Her Majesty the Queen in Right of Canada and the Developers and no changes shall be allowed to such lease with out the permission of the Village Homeowners.
Land Leasing Questions & Answers
Are Leases Common?
Yes, Land leases are found in a variety of areas including Canada, Europe and the southwestern United States. Three of the better-known lease developments within the Chilliwack area include Promontory Lake Estates, Halcyon Meadows and the Stoney Creek retirement communities.
What are the benefits of Leasing?
Leasing enables the purchaser of an Englewood Village home the benefit of purchasing without the Land costs. Utilize the money saved in different areas in your investment portfolio.
Does a public roadway access the development?
Yes, Englewood Village is accessed from Keith Wilson Road and is 3 short blocks to Garrison Crossing shopping centre on Veddar Road. Keith Wilson Road is maintained by the City of Chilliwack.
Can I garner financing from financial institutions for the purchase of a home in the development?
Absolutely, a variety of financial institutions have expressed the desire to provide financing for homebuyers within the development. Please see the development sales staff to receive information of those institutions that have created purchase and financing plans for the project.
May I receive legal advise prior to purchasing a home at Englewood Village?
Yes, your offer to purchase a home within the Village will be subject to your lawyer reviewing and approving the purchase documentation. A selection of law firms are available and experienced in legal agreements can offer you independent legal advise.