The number of renters has grown dramatically in some of the most populous—and disaster-prone—U.S. cities, yet few renters actually purchase insurance, according to theInsurance Information Institute(I.I.I.)
Indeed, only 37 percent of renters have renters insurance whereas 95 percent of homeowners have a homeowners insurance policy, according to a 2014 I.I.I. poll conducted by ORC International.
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Bluepoint offers a range of payment options to residents; rents can be paid using personal checks, cashier’s checks, money orders, or straight deposit into our JP Morgan Chase account. We also have the ability to set up an on-line payment option or automatic withdrawal through the tenant’s bank.
Once we receive rent payments, our accounting staff applies any funds needed to cover potential vendor work during the month and the remaining portion will be remitted to the property owner through an electronic funds transfer. We understand the importance of receiving rent payments quickly as many of our clients rely on this money to cover their mortgage.
The owner will receive an email when the funds have been disbursed along with a monthly accounting statement.
While it is rare, problems can arise in the process of collecting rent payments. In the event that a legal process is needed, we initiate those services on your behalf and remain in close contact with all parties involved until the problem is resolved and all funds are received in full.


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Realizing the American Dream is the definitive resource for prepurchase homeownership education. Developed by industry experts and relied on by thousands of housing counselors as the basis for their training curriculum, the manual covers the entire homeownership process and supports all the milestones for successful home purchase. More user-friendly than ever, this invaluable publication provides your clients with critical, updated information on credit and mortgage financing practices, as well as key regulatory updates. Specific sections of content include:
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As independent mortgage advisors, we are able to search the whole of the market to find you the best solution.
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Excise Tax Appeal
The term excise tax includes retail sales tax, use tax, business and occupation tax, and similar taxes administered by the Department of Revenue.
You may appeal an excise tax assessment from the Department of Revenue, or a denial of a request for a refund of excise taxes paid, to the State Board under RCW 82.03.190. This statute requires you to complete the Department’s administrative review process before you appeal to the State Board. If you have not filed a petition with the Department of Revenue, you can do so here.
Important: You must file your appeal with the State Board within 30 days of the date the Department mails its administrative review determination to you. If you ask the Department to reconsider its determination as authorized under WAC 458-20-100, you may file your appeal with the State Board within 30 days after the Department mails its response to your reconsideration request. Note: if you abandon a reconsideration request with the Department, you may lose your right to appeal to the State Board. See BTA Docket No. 15-116, Bestbuy.com v. DOR (2016).
Additional Information / Questions
- For excise tax appeal forms, see our Forms and Publications page.
- Additional information may be available on our Appeals FAQ page.
- The State Board’s administrative rules are located in Chapters 456-09 and 456-10 of the Washington Administrative Code.
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AUSTRALIAN COMPETITION TRIBUNAL
(Non-system property capital expenditure) (No 4)  ACompT 12
Application by Ergon Energy Corporation Limited
(Non-system property capital expenditure) (No 4)
 ACompT 12
Australian Energy Regulator
3 of 2010
MIDDLETON J (DEPUTY PRESIDENT),
MR R DAVEY AND MR R SHOGREN
Date of decision:
Number of paragraphs:
Solicitor for Ergon Energy Corporation Limited:
Minter Ellison Lawyers
Counsel for Australian Energy Regulator:
Mr P Hanks QC with Mr Gray, Mr T Clarke and
Mr L Merrick
Solicitor for Australian Energy Regulator:
Corrs Chambers Westgarth
FILE NO 3 of 2010
APPLICATION UNDER SECTION 71B OF THE NATIONAL ELECTRICITY LAW FOR A REVIEW OF A DISTRIBUTION DETERMINATION MADE BY THE AUSTRALIAN ENERGY REGULATOR IN RELATION TO ERGON ENERGY CORPORATION LIMITED PURSUANT TO RULE 6.11.1 OF THE NATIONAL ELECTRICITY RULES
ERGON ENERGY CORPORATION LIMITED
(ACN 087 646 062)
MIDDLETON J (DEPUTY PRESIDENT),
MR R DAVEY AND MR R SHOGREN
24 DECEMBER 2010
REASONS FOR DECISION:
NON-SYSTEM PROPERTY CAPITAL EXPENDITURE
1 These reasons deal with the non-system property capital expenditure (‘capex’). The expressions employed in these reasons are the same as employed in earlier decisions the subject of the current review.
2 In its Regulatory Proposal, Ergon Energy proposed a total forecast of $266 million for non-system property capex for the next regulatory control period.
3 In the Draft Decision, the AER noted that Ergon Energy had not provided business case documentation or other supporting documentation for the major construction projects included in its proposed non-system property capex. The AER concluded that Ergon Energy had not adequately demonstrated the prudence and efficiency of the program of proposed building works – for example, through a clear exposition of the consideration of options, prioritisation of projects or cost–benefit analysis underpinning the proposed program. The AER proposed to allow Ergon Energy an amount of non-system property capex which reflected a “business as usual” approach, based on the removal from the capex proposal of costs associated with the major building projects.
4 In its Revised Regulatory Proposal, Ergon Energy proposed a revised forecast of $263.8 million for non-system property capex. Together with its Revised Regulatory Proposal, Ergon Energy submitted assessment reports and business cases to the AER in relation to non-system property capex proposals for sites at Townsville, Cairns, Hervey Bay, Maryborough, Rockhampton and Mackay.
5 In the Final Decision, the AER concluded that Ergon Energy had demonstrated that its proposed capex for the Cairns, Hervey Bay, Maryborough and Mackay projects was prudent and efficient, but that it had not demonstrated that the proposed capex for the Townsville and Rockhampton projects was prudent and efficient. The AER therefore removed the proposed cost of the Townsville and Rockhampton projects from Ergon Energy’s proposed non-system capex forecast.
6 The grounds of review advanced by Ergon Energy relate to the AER’s refusal to accept Ergon Energy’s capex proposals for the Townsville and Rockhampton projects.
7 The AER acknowledged that it erred in exercising its discretion under cl 6.12.3 of the Rules by not allowing any capex in respect of the Townsville and Rockhampton projects.
8 The AER accepted that, to fulfil the requirements of cl 6.12.3(f)(1) and (2) of the Rules, it should have arrived at a substitute value for Ergon Energy’s non-system property capex requirement by allowing the cost of the “business-as-usual” proposal advanced in Ergon Energy’s business case analyses for those two sites.
9 Accordingly, the AER submitted that the appropriate order for the Tribunal to make was to vary the amount of Ergon Energy’s capex requirement in the Final Decision by including the value of Ergon Energy’s “business-as-usual” proposals for those two sites.
10 The AER maintained that its decision not to accept the full amount of Ergon Energy’s forecast non-system property capex requirements for the Townsville and Rockhampton sites was not affected by error.
THE STATUTORY BACKGROUND
11 Clause 6.5.7(a) of the Rules requires a distribution network service provider (‘DNSP’) to include in its building block proposal a forecast of its total capex for the forthcoming regulatory control period:
A building block proposal must include the total forecast capital expenditure for the relevant regulatory control period which the Distribution Network Service Provider considers is required in order to achieve each of the following (the capital expenditure objectives):
(1) meet or manage the expected demand for standard control services over that period;
(2) comply with all applicable regulatory obligations or requirements associated with the provision of standard control services;
(3) maintain the quality, reliability and security of supply of standard control services;
(4) maintain the reliability, safety and security of the distribution system through the supply of standard control services.
12 Clause 6.12.1(3) of the Rules provides that a distribution determination shall include a constituent decision in relation to the forecast capex included in a building block proposal (‘the capex constituent decision’):
A distribution determination is predicated on the following decisions by the AER (constituent decisions):
(3) a decision in which the AER either:
(i) acting in accordance with clause 6.5.7(c), accepts the total of the forecast capital expenditure for the regulatory control period that is included in the current building block proposal; or
(ii) acting in accordance with clause 6.5.7(d), does not accept the total of the forecast capital expenditure for the regulatory control period that is included in the current building block proposal, in which case the AER must set out its reasons for that decision and an estimate of the total of the Distribution Network Service Provider’s required capital expenditure for the regulatory control period that the AER is satisfied reasonably reflects the capital expenditure criteria, taking into account the capital expenditure factors;
13 In the event that the AER decides not to accept the forecast capex amount proposed by a DNSP, the capex constituent decision comprises two limbs, namely:
(a) the AER’s decision not to accept the amount proposed by the DNSP; and
(b) the AER’s decision as to the appropriate substitute value.
14 Clause 6.5.7(c)-(e) of the Rules governs the first limb of the capex constituent decision (identified above):
(c) The AER must accept the forecast of required capital expenditure of a Distribution Network Service Provider that is included in a building block proposal if the AER is satisfied that the total of the forecast capital expenditure for the regulatory control period reasonably reflects:
(1) the efficient costs of achieving the capital expenditure objectives; and
(2) the costs that a prudent operator in the circumstances of the relevant Distribution Network Service Provider would require to achieve the capital expenditure objectives; and
(3) a realistic expectation of the demand forecast and cost inputs required to achieve the capital expenditure objectives.
(the capital expenditure criteria)
(d) If the AER is not satisfied as referred to in paragraph (c), it must not accept the forecast of required capital expenditure of a Distribution Network Service Provider.
(e) In deciding whether or not the AER is satisfied as referred to in paragraph (c), the AER must have regard to the following (‘the capital expenditure factors’):
(1) the information included in or accompanying the building block proposal;
(2) submissions received in the course of consulting on the building block proposal;
(3) analysis undertaken by or for the AER and published before the distribution determination is made in its final form;
(5) the actual and expected capital expenditure of the Distribution Network Service Provider during any preceding regulatory control periods;
15 In the event that the AER refuses to approve the amount of capex proposed by a DNSP, in relation to the second limb of the capex constituent decision (identified above) cl 6.12.3(f) of the Rules provides:
If the AER refuses to approve an amount or value referred to in clause 6.12.1, the substitute amount or value on which the distribution determination is based must be:
(1) determined on the basis of the current regulatory proposal; and
(2) amended from that basis only to the extent necessary to enable it to be approved in accordance with the Rules.
16 The grounds advanced by Ergon Energy focused attention on the capex criteria under cl 6.5.7(c) of the Rules.
17 The Tribunal accepts that there is no one correct answer to the question of what are the “efficient”, “prudent” and “realistic” costs of achieving a DNSP’s capex objectives, since there is no single objective question. Rather, the terms used in cl 6.5.7(c) of the Rules call for evaluation of the particular situation. Moreover, what are “efficient costs” and what is “prudent” are abstract concepts. Making an evaluation as to what are efficient costs and what costs are prudently incurred requires the decision-maker to undertake a process of assessment by reference to relevant considerations, factors or criteria.
PROPOSED CAPEX FOR TOWNSVILLE AND ROCKHAMPTON
18 The AER concluded that Ergon Energy had not demonstrated that the proposed capex for the Townsville and Rockhampton projects was prudent and efficient, because:
(a) the dollars per weighted ‘key result areas’ (‘KRAs’) point scores for Townsville and Rockhampton were significantly higher than the scores for the other four sites, which was taken to indicate that there was a substantially higher cost of achieving non-financial benefits at the Townsville and Rockhampton sites;
(b) the results of Ergon Energy’s business case analyses for Townsville and Rockhampton were sensitive to the assumed weighting between financial and non-financial criteria; and
(c) Ergon Energy had not considered any alternative development proposals for those two sites, other than “Scenario 2” and the business-as-usual scenario referred to in the business cases.
19 To justify its proposed capex for each of the six major projects, Ergon Energy prepared case studies that compared a “business-as-usual” or “incremental development” proposal (referred to as ‘Scenario 1’) with a “transformational development” proposal (referred to as ‘Scenario 2’) for each site. Ergon Energy attributed a score for the “comparative commercial performance” for each scenario assessed on a discounted cash flow basis. The case studies also attributed a score for the non-financial performance for each scenario. This score was broken down among various KRAs. Based on the scores given to each scenario for each site by Ergon Energy, and the relative weightings for the commercial and non-financial KRAs that Ergon Energy applied (40% for commercial performance and 60% for non-financial performance), the outcome of each case study was that Scenario 2 achieved a higher overall score.
20 One of the criticisms that Ergon Energy advanced is that the AER’s approach of comparing the implied dollar value of non-financial benefits across the six major projects was irrational because the non-financial benefits differed significantly from project to project, and the scores given by the business case analyses for each site were not comparable between sites.
21 The AER noted that Ergon Energy applied different quantitative scales for the commercial performance parameter in each business case.
22 The AER accepted that, because Ergon Energy has derived an overall KRA score by adding the financial and non-financial KRA score, it must therefore follow that the implied scale that Ergon Energy applied to the non-financial criteria must also have differed from one business case study to the next.
23 The AER therefore accepted that the KRA scores (for both commercial performance and non-financial criteria) produced by Ergon Energy’s business cases were not objectively comparable across the six projects. Accordingly, the dollars per weighted non-financial KRA point comparison that the AER referred to in its Final Determination did not provide an objectively consistent comparison of relative cost-efficiency across the six projects.
24 The AER noted that Ergon Energy purported to rely on the business case analyses for the purpose of its own prioritisation of the six major non-system property projects. In light of the idiosyncratic scaling that Ergon Energy adopted for each of its business cases, the AER did not understand how the business cases could meaningfully have been used for that purpose.
25 Accepting that Ergon Energy’s business cases only enable a comparison to be made between the business-as-usual scenario and Scenario 2 for each site, the AER therefore sought to assess the relative cost-efficiency of the alternative proposals for each site by calculating the implied cost (on the dollars per non-financial weighted KRA point measure) of obtaining the non-financial benefits assessed by Ergon Energy for each scenario individually. That analysis produced the following results:
Dollars ($m) per weighted non-financial KRA point
26 The AER noted that, for both the Townsville and Rockhampton sites, the implied cost of obtaining an additional KRA point was very significantly higher for Scenario 2 than for the business-as-usual scenario. Accordingly, the above results were said to confirm the conclusion that the AER arrived at in the Final Determination, namely, that Ergon Energy had not demonstrated that its capex proposals for Townsville and Rockhampton were efficient.
27 Therefore, it was submitted by the AER that even though Ergon Energy’s business cases did not provide a proper basis for the dollars per weighted KRA point comparison between projects that the AER relied on in the Final Determination, the AER was nonetheless correct in determining that the capex proposed by Ergon Energy for the Townsville and Rockhampton sites was not efficient, and did not therefore reasonably reflect the capex criteria.
28 The AER did note that the analysis above indicated that Ergon Energy’s preferred redevelopment proposals for Cairns, Hervey Bay and Maryborough were also less cost-efficient than the business-as-usual scenarios for those sites.
29 The table referred to above was relied upon by the AER because of the divergence between business-as-usual and Scenario 2, in respect of Townsville and Rockhampton. It has been assumed by both Ergon Energy and the AER that the business-as-usual case and Scenario 2 both achieved capex objectives.
30 The only question left to the Tribunal to decide (accepting as it does that the AER made a reviewable error) is how to vary the determination.
31 As already indicated, cl 6.12.3(f) requires that, once the AER has refused to approve the amount of the forecast capex provided in a DNSP’s building block proposal, it must determine a substitute value for capex that is:
(a) determined on the basis of the current regulatory proposal; and
(b) amended from that basis only to the extent necessary to enable it to be approved in accordance with the Rules.
32 Accordingly, the substitute value for capex determined by the AER was required to be determined on the basis of Ergon Energy’s current regulatory proposal and amended from that basis only to the extent necessary for the AER to be satisfied that the substitute amount of capex reasonably reflects the capex criteria, taking into account the capex factors.
33 The AER accepted that, having acknowledged in the Final Determination that it would be prudent for Ergon Energy to address the safety and capacity issues identified in the site assessment reports for Townsville and Rockhampton, Ergon Energy’s non-system property capex allowance would satisfy the capex criteria if that amount reasonably reflected the efficient costs of addressing the safety and capacity issues for those sites.
34 The business case analyses for the Townsville and Rockhampton sites that Ergon Energy submitted with its Revised Regulatory Proposal did consider a business-as-usual scenario as an alternative means of “address[ing] the identified problem” at each site.
35 The AER submitted that it would have exercised its discretion correctly in the Final Determination if it had allowed the capex associated with Ergon Energy’s business-as-usual proposals for the Townsville and Rockhampton sites. This was then the approach pressed upon the Tribunal.
36 However, it is now for the Tribunal to determine the appropriate non-system property capex. If necessary the Tribunal can consider new information and material – see s 71R(3) of the NEL.
37 Whilst the Tribunal is confined by the NEL and the Rules in making its determination, this is subject to the role the Tribunal has under the NEL.
38 Under the NEL, the Tribunal may perform all the functions and exercise all the powers of the AER under the NEL or the Rules - see s 71P(3) of the NEL. However, in addition, the Tribunal has its own functions to perform and powers to exercise – eg see s 71P(1), (2) and s 71R(3) of the NEL.
39 The materials before the Tribunal in the form of the business case analyses and property strategy, in addition to indicating future proposals for development, show substantial differences and staff levels between each site. The Tribunal is satisfied that such material explains the divergence in the analysis of figures relied upon by the AER and referred to in  above.
40 The Townsville and Rockhampton projects involve transformational development, including large scale redevelopment of core property assets to enable a rationalisation of locations, building assets and workplace interfaces. For instance:
(a) the Townsville project involves commencing development of the Ingham Rd site, a greenfield site which will house 550 staff once the development is complete; and
(b) the Rockhampton project involves progressive redevelopment of 10.3 hectares of the Glenmore Rd depot site which will grow from 170 to 370 staff over the regulatory control period.
41 This may be contrasted with the Cairns project which only involves construction of a warehouse and associated external works at Swallow Rd during this regulatory period.
42 There are other reasons why the cost of achieving non-financial benefits for some projects will necessarily exceed the average cost of achieving those benefits over all projects. The cost of building a staff amenity in the Brisbane CBD may be higher than building an identical staff amenity in Rockhampton. In both cases, the non-financial benefits may be identical, but the Brisbane project will have a higher cost per weighted KRA index point. It does not follow that the Brisbane project is inefficient simply because its benefits are more costly to realise.
43 It is also not correct to assume that a project is less cost efficient because it has a higher cost of generating a weighted KRA index point. For a network such as Ergon Energy's, this is not a logical or reasonable conclusion. Ergon Energy was created in 1999 through the merger of six separate Queensland electricity corporations. Its network coverage extends over 1,698,100 square kilometres and includes such geographically disparate regions as Far North Queensland, North Queensland, Mackay, Capricornia, Wide Bay and South West. In such a network, it is not logical to compare a proposal to build a warehouse in rural Queensland with a proposal to build an identical warehouse in an urban area. A project in the rural area may be less costly than one in an urban area in all circumstances. This does not mean that the proposal in the urban area is not efficient.
44 Therefore, the Tribunal does not accept that the AER’s approach necessarily indicates that the estimates put forward by Ergon Energy in relation to Townsville and Rockhampton are inappropriate. It is to be recalled that the AER regarded Ergon Energy’s approach in considering other sites or projects as reasonable and accepted that Ergon Energy had demonstrated that its proposed capex was prudent and efficient. Based upon the methodology (including the reliance on the KRAs) accepted by all parties, the Tribunal sees no justification for taking a different approach between Townsville and Rockhampton on the one hand and the other major sites or projects on the other.
45 The Tribunal makes a further observation. The parties have accepted the KRA methodology for the purposes of this review. The Tribunal is prepared to adopt this methodology in this review. However, the Tribunal should not be seen as necessarily endorsing this methodology as being appropriate to demonstrate a proposed capex for a particular site or project is prudent and efficient.
46 Therefore, the Tribunal will not vary the decision as suggested by the AER in allowing the amount of expenditure required for the “business as usual” proposal for each of the Townsville and Rockhampton sites.
47 However, it is not yet satisfied that the proper way to proceed is to make the variation suggested by Ergon Energy by increasing the non-system property component of capex by Ergon Energy’s estimate of the cost of projects planned in Townsville and Rockhampton.
48 The Tribunal would be assisted by a short written submission by the AER on whether (in light of the above reasons and the submissions made by Ergon Energy during the hearing) the Tribunal should accept the estimate of Ergon Energy, or whether further information or material as to the estimates should be sought prior to the Tribunal making a final decision.
49 If the AER does not consider the Tribunal should accede to Ergon Energy’s estimates then a short directions hearing may need to be convened to consider the further disposition of this issue.
50 The Tribunal directs that the parties confer and notify the Tribunal as to their joint or respective positions no later than 4:00pm on Monday 31 January 2011.


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The world hasn’t seen the yuan devalued to this level since 2008. China denies that the devaluation of its currency was a deliberate retaliatory step against Trump’s tariff threat. But no one believes it.
Stock markets worldwide experienced significant losses in reaction to China’s retaliation. The Dow Jones Industrial Average dropped more than 900 points during Monday’s trading hours. According to MarketWatch.com, the U.S. major stock markets’ indices ended the day with “the S&P 500 off 6% from its record close set on July 26, while the Nasdaq is off 7.3% from its all-time closing high set the same day and the Dow has pulled back 6% from its July 15 record finish.”
The steep sell-off reflects investors’ concern that the escalating U.S.-China trade war means more uncertainty ahead, and investors hate uncertainty more than anything. What China did this week is its strongest counteraction so far in its ongoing trade war with the United States. It might have achieved the desired effect of causing panic among U.S. investors and businesses, but its action will end up hurting China more than it hurts the United States


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Interests: I have great passion for personal growth, family history and genealogy. I also like to spend my time with my favourite people and I enjoy digital photography and art.


The mundane part of running your business is the bookkeeping; yet this time consuming, confusing and sometimes uninspiring task is fundamental to the success of your business.
We will get your records up to date and help you lodge your Business Activity Statement (BAS) even if it is late...and much more, including tidying up your creditor and debtor records which will help your cash flow, payroll and PAYG issues or preparing your bookkeeping for your end of year accounts and tax returns
Lodging essential returns such as your Business Activity Statement and Payroll/PAYG and Superannuation contributions may seem onerous but they are a fact of life. Also, you need to manage your cash flow so knowing where you are at with your accounts receivable and accounts payable is of paramount importance.
We will work closely with your tax accountant to provide an efficient and reliable bookkeeping, GST reporting and BAS lodgement service. End of year accounts can be given to your accountant in either paper based or electronic format, as required.
With all the demands on your valuable time, and at the end of what has most likely been a long week, the last thing you want to do is chew into your valuable family or relationship time completing your BAS or preparing your financial records for your annual Tax Return.
Millennium Accounting Solutions will add value and understanding to your business, not just numbers. You can rest easy, knowing that your we have the experience in bookkeeping to guarantee the results you want – accurate accounts and a trouble free relationship with the ATO.
Now you can focus on growing your business and serving your customers.


Nearly all people go to work everyday and do the very same routine over and over once again. We work so tough till we caught up in the routines for years. With the income that we make every day, we try to pay all of our expenses. We constantly expect to get a higher salary, getting promotion or our organisation running much better so we can make more money. But we do not realize that when we get more earnings, we likewise have invested more cash on our needs. After we work for two, 5, and even 10 years we just realize that we have remained in the rat race of our financial difficulties.
To be economically totally free is only a dream for us, we don't think that is possible. We currently set our mind set that we will retire after 40 years of working and after that we begin to enjoy our life after that. I do not wish to do that.
What if you can get the financial liberty much faster than 40 years? What if I can reveal you how to get to monetary liberty in 5 years? Would not it be intriguing for you?
There are couples actions to accomplish financial freedom.
You have to get the ideal mind set. Unless you desire to change your mind set to the favorable way, there is no way that you can get your dream, which is Financially Free. You have to think in yourself and think that is possible for you to achieve monetary flexibility.
Second, if you do have the best mind set, you need to change the bad habit that you have. If you do not have the money, don't invest it! Our society nowadays, has a brand brand-new habit that does not exist centuries ago. We can spend our loan before we make it! That's right; I am talking about credit card. Cut all the credit cards that are not in utilized if possible. We will be trap in this monetary mouse trap easily with all the credit cards lying around on our tables. We need to be discipline by just keep one or two credit card that we utilize typically only for emergency.
If you utilize your charge card, please do it in your existing spending plan, not your future spending plan. A great deal of individuals are caught since they use their charge card based on their 'future' spending plan.
Bob simply got promoted this week, and his income will be raised next month. He was so delighted about it, and then he invests his future salary with his credit card.
We often forget that if we put our cash in the bank, the value of the loan will be decrease so quick. The bank does not care about our loan; in fact, they made the most benefit from our cash.
We have to find the best financial investment. I recommend you to go to your financial advisor request for their finest opinions. They will seek your needs, and they can offer you the financial investments that appropriate to your needs.
4th, if we truly desire to be financially totally free, we have to make a passive income. In short you can produce a system that can works for you. The most important from this is that you have to set up a system that works without you.
Another way to get a passive income is that you can franchise. Franchising nowadays has increasing enormously in the previous few years.
You can always discover a good network marketing business and stick with the business for 5 years. There you can find out how to built your network and accomplish Financial Flexibility.
Those are couples steps that you can follow to achieve monetary liberty. Every journey is start with a little action. You can begin your own journey to your monetary liberty by start it with a little action. Do not you squander your time, due to the fact that the time is so valuable that we can't reverse the time. Ideally this entire short article assistance you realize that everybody require financial freedom, prior to you captured up into the regimens for more several years.


Moscow +7 (495) 660-79-88
Home → Products and solutions → Solutions for IT → Informational access equipment → Payment terminals
Self-service payment terminals are used to: book services, pay for a service using international-standard plastic cards or in cash, print out supporting documents and obtain information.
ParametersIn the basic configuration, the terminal is equipped with:
- a touch screen monitor;
- a printer;
- cash machine;
- uninterruptible power supply;
- fiscal data recorder of the PRIM series.
The additional equipment includes:
- 2D barcode scanner;
- plastic card reader (card reader);
- PIN keyboard;
- Infrared port;
- Bluetooth device;
- GPRS modem.
Self-service payment terminal is an ideal solution for offices.


Troy Special Services Parent Advisory Committee
2017-2018 Grant Application
Deadline: May 1, 2017 (end of day)
Please complete all sections of the grant application and hit SUBMIT after completing the form.
We are only accepting applications online. We will only have one round of grant submissions for the 2017-2018 school year. Grants will be selected by the Troy PAC Board Members based on information received and applicability to special education.
Grants are available to special education staff only.
Funds will be available August 1, 2017 for the 2017-2018 school year.
Grants will be awarded as follows:
(6) Six $100 grants
Award recipients are required to provide a 5-10 presentation
If you have questions - please contact
Indicates required field
Provide a brief overview of the project
How will you determine if your objectives are met?
How will you spend grant funds?
Number of students impacted by your project
Are you receiving funding from other sources
Recipients are required to provide a short (5 minute) PowerPoint presentation during the May 2018 Outstanding Staff Awards highlighting how their grant award was used.
Email supporting information
You will be notified via email if your grant has been received and approved..
Create your own unique website with customizable templates.


Pursuant to the recent passage of Assembly Bill 86 (“AB 86”), as of July 1, 2013, Education Code section 17463.7 has been extended and will remain in effect until January 1, 2016. Education Code section 17463.7 was added in 2009 and provides school districts with some additional flexibility regarding the use of funds derived from the sale of surplus real property. AB 86’s passage merely extends the section’s sunset date to January 1, 2016. The substance of Education Code section 17463.7 remains unchanged.
Accordingly, Education Code section 17463.7 continues to apply only to school district property purchased (1) entirely with local funds, (2) with the proceeds of a local general obligation bond or (3) with revenue derived from developer fees. It does not apply to property acquired with any other type of funding.
Under Education Code section 17463.7, a school district may deposit all of the proceeds from the sale of surplus property purchased entirely with local funds in the school district’s general fund. School districts may use the proceeds for any one-time general fund purpose. However, the proceeds from the sale of surplus property purchased with a local general obligation bond or revenue derived from developer fees are treated differently. While proceeds may also only be used for a one-time general fund purpose, only a percentage of these proceeds from these properties may be deposited in the general fund.
However, before a school district can make use of the additional options provided by Education Code section 17463.7, it must submit documents to the State Allocation Board (“SAB”) certifying certain facts, specifically: (1) the school district has no major deferred maintenance requirements not covered by existing capital outlay resources; (2) the sale does not violate the provisions of a local bond; and (3) the surplus property is not suitable to meet projected school construction needs for the next 10 years. Additionally, prior to using section 17463.7, a school district must present, at a regularly scheduled board meeting, a plan that identifies: (1) the source of the funds; (2) the use of the funds; and (3) the reasons why the expenditure will not result in ongoing fiscal obligation for the school district.
It is important to remember under Education Code section 17463.7 school districts that allocate surplus property proceeds pursuant to this section may lose hardship apportionment and eligibility. First, the SAB will reduce an apportionment of hardship assistance awarded to a school district by an amount equal to the amount of the surplus property proceeds that a school district uses for a one-time expenditure under section 17463.7. Second, if a school district exercises the authority under section 17463.7, it becomes ineligible for hardship funding from the State School Deferred Maintenance Fund for five years after the date the proceeds are deposited into the general fund.
While Education Code section 17463.7 will remain in effect until January 1, 2016, given the section’s specific requirements and potential limitations, it is recommended that when deciding how best to use its surplus property proceeds school districts weigh the section’s additional flexibility with the potential consequences mentioned above.


"It's nice to finally have dealt with someone who didn't care how long it took to answer my questions."
- Judy L.
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"I've never written a testimonial before. Then again I've never been so worried about my future, nor so happy when your folks helped me figure out my Medicare supplements situation. I'm so grateful, thank you!"
- Tilda N.
Hundreds of thousands of people on Medicare Part A and Part B are are now seeing that with the right Medigap Plan it's possible to:
Receive a Medicare Supplement Insurance Plan now with the plans you expect at a price that suits your budget.
Safeguard your physical well-being and protect your fiscal health with a Medicare Supplement Insurance Plan
Like the thousands of folks whom we have aided since we first began years ago, you have probably seen that trying to make up your mind on the perfect Medicare Supplement Insurance Policy is painful. Furthermore, trying to find a Medigap Broker to coordinate with in sizing up rates is difficult as well.
Fortunately, you do have choices. Locating a Medicare Supplement Insurance Company that you can trust is simple as ABC if you consider:
Buy a Medicare Supplement Insurance Plan through our company and feel good about about both your low cost premiums and the up to 100% protection.
Moreover that is not the end of what our team is capable of. Did you ever attempted to sign up for an insurance plan like a Medicare Supplemental? Thousands upon Thousands Americans are lamentably declined protection or gotten restrictions on their policy that they didnâ€™t see coming only after they had taken care of the initial premium. Additionally way too often there can be annoying problems involved in getting that payment returned or attaining other matching Medicare Supplement Coverage or other policies.
Our customers will tell you, that things like this don't happen to them. Our Medicare Supplemental Insurance Agents in-house are also highly trained â€œfield underwriters.â€ So we will not only assist you to find the least expensive for Medicare Supplemental Insurance Rates, but we will make certain that you will qualify for the coverage first, before dealing with any paperwork. By answering a few quick questions about your current health and medical history, you could immediatley qualified for Medicare Supplement Insurance Plans which should enroll you you immediately , without a bunch of stress or uneasiness about the possibility canceled policies.
Our staff do not suggest a specific plan to you until we know for a fact your approval will be guaranteed by the Medigap Insurance provider Plus, our Lowest Rate Guarantee ensures that you never ever pay a penny for our brokerage services and are always making payments the affordable available price on the suggested policy you apply for.
Then, for your convenience, we have made deals with with all of our Medigap Insurance Companies to be able to allow you enroll in their policies with an agent on the phone in a matter of minutes. You will have the most affordable Medicare Supplemental Insurance Rates available, protection for life and, if you opt for a Medicare Supplemental Insurance Plan F, you will never ever reach for your credit card to pay in the future for Medicare-covered treatments.
Medicare Supplement Plan F is a perfect plan since it features:
Medigap is another name applied to health care plans commonly known as Medicare Supplements. The Medigap Plans augment the gaps in Medicare coverage that are not taken care of by Medicare Part A and Medicare Part B and are made to fit with Medicare like a key fits into a lock.
A Medigap Insurance Plan is not an alternative for traditional Medicare like a Medicare Advantage Plan, instead it works with traditional Medicare. Moreover, Medigap Plans are different from Medicare Advantage Plans because they have no deductibles, no co-pays and no issues with being "in nework" that could impede you healing when you can't see the right doctor.
Did you know that if you choose the right Medigap Insurance Medigap Insurance Plan like Medicare Supplement Plan F you'll never be made to pay a single dollar when you have treatment in a specialty treatment center, physicianâ€™s office or hospital that accepts Original Medicare.
So this means that you pick Medicare Supplement Plan F, if your hospital or doctor are astronomical , you will will not ever have to pay a dime for hospital or doctor just as long as Medicare greenlights a penny of the charges.
Medigap Plans: Everything you need to know
When you seek out healthcare assistance with a hospital, doctor, or specialty treatment center, all you have to do is show them your Medicare Supplemental Insurance card to the doctor, specialty treatment center or hospital. Then everything will, almost magically, be taken care of for you.
Fact is,, after your claim is filed with Medicare for Medicare Part B charges, Medicare will in most cases ship your claim directly to your Medicare Supplement Insurance Company without you having to do anything. Then your Medigap Carrier will take care of the claim, most often without it ever touching human hands
With a easy comparison of Medicare Supplemental Insurance Quotes, you will find the one that is perfect for health, finances and other life situations and then everything will be managed for you. Once again, if you enroll in a Medicare Supplement Plan F from our company, you will never open your mailbox and see a leftover bill to pay for.
We believe that health care professionals ought to be allowed to prescribe what the best medical treatment is for you while your Medicare Supplement Insurance Plans makes sure that you are not hurt with medical expenses. And, when you take out a Medicare Insurance Policies like the recommended Medicare Supplemental Plan F it's YOURS FOR YOUR ENTIRE LIFE. Unlike the restrictive Medicare Advantage Plans, provided that you routinely pay the monthly premiums, the Medicare Supplement Provider can never, ever take your coverage away
Just like the hundreds of thousands of people over 65 that we have advised over time, you've figured out that looking carry out a conclusion on the correct Medicare Supplemental Policies can be aggravating to say the least. Also, attempting to acquire a Medicare Supplement Provider who will help out as you assess Medicare Supplemental Insurance Rates is challenging too.
Fortunately, not every brokerage is like this. Talking to a a Medicare Supplemental Policy Broker whom is worthy of your trust easy as pie because:
What is more, you never pay for our services.
Medicare Supplement Quotes: Why enroll and buy with us our company?
If you are on Medicare, you are as likely as not thinking about crucial decisions about selecting the ideal Medicare Insurance Policy and you are as likely as not being misled by Medicare Advantage salespeople.
Medicare Supplement Insurance Plan Carriers are required give idententical coverage options plan details. So see, it is very necessary to shop Medigap Prices from the nation's best companies with a brokerage that's on your side.
Our company is different, since we work on your behalf, not an individual Medicare Supplement Insurance Plan Company. We thoroughly consider each of the Medigap Policy Providers selling Medicare Supplement Plans and partner the good ones that are reputable and also can live up to their promises forever. It's pretty simple,, our insurance industry analysts cuts out the insignificant Medicare Supplemental Policy Companies and the unreliable and shady.
When we've located the best Medicare Supplement Policy Companies that are up to our tough qualifications, we then use our state of the art and our proprietary software carry out Medicare Supplemental Quote online comparisons. By shopping around for you, our licensed agents obtain the very best for current status based on your specific needs, not what the Medigap Plan Carriers hope you will purchase from them.
However thatâ€™s not the full extent that our agents are capable of for you. Have you ever tried buy an insurance policy like a Medicare Insurance Policy? Many Medicare patients, are denied coverage or gotten restrictions on their policy after they'd taken care of the first premium. Unfortunately there's often terrible hassles in receiving a refund or getting enrolled in alternative Medicare Supplemental Rate or other plans.
Things like this don't happen on our watch.
The Medigap Policy Brokers on our staff also are Medigap Policy field underwriters.â€ So our professionals not only aid to locate the least expensive Medicare Supplement Insurance Rates, we will also make certain that you will qualify for the plan before we go through the approval process. Simply by answering some quick questions respecting your current heath, you can be instantly approved for a Medicare Supplemental Insurance Policy accepts your application you when you first submit it, without annoying frustrations or fears about of denied claims for lack of coverage.
We will not ever advise you to sign up for a Medigap Policy for you unless we are certain that you will qualify be approved by the Medigap Policy carrier. Furthermore, our Cheapest Premium Promise insures our customers won't ever pay a penny for our professional and are always paying the cheapest available amount of money for the recommended plan you are qualified to receive.
For your convenience , we made arrangements with all our Medicare Supplement Insurance Policy Carriers to be able to allow you to enroll in their policies right on the phone in a matter of minutes. You'll get the cheapest Medigap available to you, a policy for as long as you keep up with your premiums and, if you select a Medigap Plan F, you will never pay extra money again for Medicare covered Medicare eligible.


Financial planning is something that everyone should do. Without it, you’re not going to make the most out of your life. You won’t be making a lot of money all your life unless you have a business that has set you up for life. For all the others who need to prepare for the future, getting an insurance plan is way to do it.
Since there are all types of insurances available, it is important that you know exactly what you need right from the start. A life insurance is required by people who want to keep their family and properties protected in the event of their demise. There are also other types of insurances, such as health insurance and business insurance, if it is applicable to you.
How to Compute for Your Insurance Premium
While this job is actually something that a financial expert should do, there are things that you can now do on your own. You can use online calculators so you’ll have a good idea as to what type of insurance you need and how much premium you can pay considering your monthly finances.
These tools are free to use, you simply have to find them over the internet. Insurance calculators can give you a good insight into the future, and it may even help you predict whether or not it’s viable to keep that insurance plan for the next few years.
The Necessity of Financial Planning Tools
With the right financial planning tools, you’ll have better control of your future. If you go online, you’ll find that there are a bunch of them that you can use, such as investment calculators and expense calculators, on top of insurance calculators. The proper use of these tools could possibly lead you to better management of your funds.
It’s true that financial planning is one of the most difficult areas of one’s life. But it is also the one that’s most essential. If you really value your life, your family, and all the properties that you have acquired along the way, then you should consider managing your finances either on your own or with the help of a financial expert.
Get Better Control of Your Life
Having your life planned really well is the first step to financial freedom. You’re not going to get there overnight but with proper planning and sticking to that plan, you’ll eventually get there. It’s not easy to control what might happen in the future but if you’re prepared for it now, those things are going to be much more manageable than you think they are.
Getting a life insurance policy is the first step to ensure that you’ll have a brighter future ahead. It may not directly benefit you, but it will ensure that your family is well protected when it’s time for you to leave this world. Your family and maybe even the next generation will be grateful for your efforts in making sure that they’ll live comfortably even if you are no longer physically with them.


Are you considering setting up a self-managed super fund (SMSF) but feeling daunted by the setup process and compliance requirements? Look no further. In this article, we will take you through the key aspects you need to know to decode the SMSF setup process and hit the ground running. From understanding the benefits and drawbacks of an SMSF to navigating compliance and investment strategies, we’ve got you covered.
Understanding SMSFs: An Overview
What is a Self-Managed Super Fund (SMSF)?
As the name suggests, an SMSF is a superannuation fund that you manage and run yourself. In contrast to regular super funds, where an external trustee manages your fund assets and investments, an SMSF trustee is responsible for making all investment decisions and complying with the regulatory framework set out by the Australian Taxation Office (ATO). The self managed super fund setup offer greater control and flexibility over your superannuation, but it also comes with greater responsibilities and compliance obligations.
Managing your own super fund can be a daunting task, but it can also be a rewarding experience. By taking control of your retirement savings, you have the opportunity to tailor your investment strategy to your personal goals and risk appetite. This can include investing in assets such as property, shares, and managed funds, or even setting up your own business within your SMSF.
However, with great power comes great responsibility. As an SMSF trustee, you are responsible for ensuring that your fund complies with all applicable laws and regulations. This can include keeping accurate records, preparing financial statements, and arranging for an annual audit. You must also ensure that your fund’s investments are made in accordance with the law, and that you do not engage in any prohibited transactions.
Benefits of an SMSF
One of the main benefits of an SMSF is the level of control it offers. As an SMSF trustee, you have the flexibility to decide how you want to invest your funds and manage your retirement savings. You can customize your investment strategy, choose your own investments, and potentially save on investment fees. Furthermore, SMSFs offer tax advantages, including the ability to access franking credits and tax deductions for contributions and expenses. SMSFs can also offer estate planning benefits, as you can control how your super benefits are distributed after you pass away.
Another benefit of SMSFs is that they can provide greater transparency and visibility over your superannuation investments. As an SMSF trustee, you have access to real-time information about your fund’s performance and can make informed decisions about your investment strategy. This can be particularly beneficial if you have a keen interest in financial markets or if you want to take a more active role in managing your retirement savings.
Potential Drawbacks of an SMSF
While SMSFs offer a high level of control and flexibility, they also come with greater responsibilities and compliance obligations. As an SMSF trustee, you are responsible for administering your fund in accordance with the law and complying with superannuation regulations. This can include keeping accurate records, appointing an approved auditor, lodging annual tax returns and other statements with the ATO, and adhering to investment restrictions and borrowing rules. Failing to comply with SMSF regulations can result in significant penalties or even disqualification of your fund.
Another potential drawback of SMSFs is that they can be more expensive to run than regular super funds. This is because SMSFs require a higher level of administrative and legal support, including the services of a professional auditor and potentially a financial advisor. SMSFs may also have higher investment fees and transaction costs, particularly if you choose to invest in complex or illiquid assets.
Finally, SMSFs may not be suitable for all investors. If you do not have the time, expertise, or inclination to manage your own super fund, or if you have a small balance, then an SMSF may not be the best option for you. In these cases, a regular super fund may be a more appropriate choice, as it can offer a simpler and more cost-effective way to save for retirement.
The SMSF Setup Process
Setting up a self-managed super fund (SMSF) can be a complex and time-consuming process, but it can also be rewarding and offer greater control over your retirement savings. In this article, we’ll take a closer look at the SMSF setup process, including establishing the fund trust, creating the trust deed, registering with the ATO, and setting up a bank account.
Establishing the SMSF Trust
The first step in setting up an SMSF is to establish the fund trust. This involves creating a trust deed that outlines the rules and objectives of the fund, appointing trustees, and obtaining a tax file number (TFN) and Australian Business Number (ABN) for the fund. You can either set up an individual or corporate trustee structure, each with its own pros and cons.
Individual trustees are typically used for funds with up to four members and offer greater control and flexibility, as each member is also a trustee. Corporate trustees, on the other hand, are a separate legal entity and can offer greater protection and ease of administration, particularly for larger funds.
It’s vital to seek professional advice and guidance to ensure your trust deed is appropriately structured and compliant with the regulatory framework. A qualified SMSF specialist can assist you in selecting the most appropriate trustee structure for your fund and ensure that your trust deed covers all the necessary topics.
Creating the SMSF Trust Deed
A trust deed is a legal document that sets out the rules and objectives of your SMSF and specifies how it will operate. A comprehensive trust deed should cover a wide range of topics, including trustee requirements, fund objectives, membership criteria, benefit entitlements, investment powers and restrictions, and more.
Creating an SMSF trust deed requires legal expertise and knowledge of SMSF regulations, so it’s important to engage a qualified professional to assist with the process. Your trust deed should be tailored to your specific circumstances and investment objectives, and should be reviewed and updated regularly to ensure ongoing compliance with regulatory requirements.
Registering Your SMSF with the ATO
Once you have established your SMSF trust and created your trust deed, you’ll need to register your fund with the ATO and obtain a unique identifying number called an Australian superannuation identifier (USI). You can register your SMSF through the ATO’s online portal and provide information about the fund’s trustees and members, as well as your accountant details and audit arrangements.
The ATO will also provide you with guidance on your SMSF’s compliance requirements, such as record-keeping, audits, and tax returns. It’s important to ensure that you understand and comply with these requirements to avoid penalties and potential loss of your SMSF’s compliance status.
Setting up a Bank Account for Your SMSF
As an SMSF trustee, you’ll need to set up a dedicated bank account for your fund to manage the inflow and outflow of funds. This account is used for various fund transactions, including accepting contributions, rolling over benefits, and making investments.
It’s essential to ensure that the bank account is solely in the name of the fund and complies with the banking regulations and superannuation rules. You should also consider the fees and charges associated with the account, as well as any interest rates and investment options that may be available.
Overall, setting up an SMSF requires careful planning, professional advice, and ongoing compliance. However, with the right approach and guidance, an SMSF can offer greater control and flexibility over your retirement savings and help you achieve your long-term financial goals.
Choosing Your SMSF Investment Strategy
Diversifying Your SMSF Portfolio
One of the primary advantages of an SMSF is the ability to tailor your investment portfolio to your individual needs and risk tolerance. However, investing through an SMSF also comes with its own set of risks and complexities, including diversification, liquidity, and market volatility. A sound investment strategy should aim to achieve a diversified portfolio that spreads across various asset classes and investment types, such as shares, property, term deposits, cash, and managed funds. Diversification assists in reducing investment risk by spreading your investments across various asset classes, regions, and sectors.
Understanding Risk and Return
Investing through an SMSF requires a clear understanding of the fundamental principles of risk and return. Each investment option has its own level of risk and return, and it’s crucial to ensure that your investment strategy aligns with your risk tolerance and financial goals. Different investment options require different amounts of knowledge and expertise, so it’s essential to seek professional advice before making investment decisions.
Investing in Property through Your SMSF
One of the most popular investment options for SMSFs is property investment. SMSFs can use their funds to purchase, hold, and lease property, including residential, commercial, and industrial properties. Property investment offers the potential for long-term capital growth and rental income, as well as potential tax benefits like negative gearing. However, investing in property through an SMSF also has its own set of rules and compliance obligations, including restrictions on related-party transactions and borrowing rules.
SMSF Borrowing and Limited Recourse Borrowing Arrangements (LRBAs)
Another avenue of investment that SMSFs can take is borrowing to invest. The ATO allows SMSFs to borrow money to acquire a range of assets, including property and shares, through limited recourse borrowing arrangements (LRBAs). LRBAs offer greater flexibility to SMSF members to purchase investments they would not otherwise be able to afford. However, borrowing through an SMSF also comes with certain risks and regulatory obligations, such as having a separate trust structure and complying with the strict borrowing rules and investment restrictions.
SMSF Compliance and Reporting Requirements
Annual Audits and Financial Statements
As an SMSF trustee, you’re required to have your fund audited annually by an independent auditor to ensure compliance with the regulatory framework. The audit assesses the fund’s compliance with the superannuation law, investment performance, financial statements, and other compliance requirements. It’s essential to engage a qualified auditor who can provide you with expert guidance and advice and help you meet your reporting obligations.
Lodging Your SMSF Annual Return
Each year, SMSF trustees are required to lodge an annual tax return with the ATO, which provides details about the fund’s investments, income, expenses, and tax liability. The annual return needs to be lodged by the due date, and any tax payable must be paid on time to avoid interest and penalties.
Record Keeping and Document Retention
Finally, SMSF trustees need to keep accurate and up-to-date records of their fund’s transactions, financial statements, and minutes of meetings. Records must be retained for at least five years and be made available to the auditor and the ATO upon request. Keeping comprehensive and accurate records is essential to ensure your fund’s compliance with the regulatory framework and effectively manage your SMSF assets.
Setting up an SMSF requires careful consideration and planning. It’s essential to understand the benefits and drawbacks of an SMSF, navigate the regulatory framework, and choose appropriate investment strategies. By following the key steps outlined in this article, seeking professional advice when required, and staying up-to-date with compliance obligations, you can take control of your superannuation and achieve your retirement goals.


Staff Accountant in Columbia Maryland
Please note that the position is PART-TIME.
Applies principles of accounting to analyze financial information and prepare financial reports.
ESSENTIAL DUTIES AND RESPONSIBILITIES FOR GENERAL ACCOUNTING include the following. Other duties may be assigned.
- Maintains a computerized financial reporting system and compiles financial data
- Performs Accounts Receivable job functions to include: processing of invoices in a timely manner, research and investigate non-payments or invoice problems, determine customer credit status, call customers for collection, make bank deposits, apply cash into A/R system, maintain cash receipt register, and reconcile A/R balance to General Ledger.
- Participates in the posting, balancing, analysis and reconciliation of the general ledger and subsidiary accounts
- Coordinates monthly closing and production of financial statements to guarantee timely reporting
- Ensures accurate and timely submission of monthly and year-end financial reporting packages
- Ensures reconciliation and maintenance of all major general ledger accounts
- Maintains records of all financial documents with appropriate supporting material
- Assists in preparation of forecasts
- Assists in preparation of annual budgets
- Compiles financial data for income tax requirements
- Assists outside auditors at year-end to include preparing schedules, providing explanation of supporting materials and procedures, and preparing any other necessary data
- In the Accounting Manager's absence, responds to phone calls and meets with other company personnel to resolve problems of an immediate nature
ESSENTIAL DUTIES AND RESPONSIBILITIES FOR COST ACCOUNTING include the following. Other duties may be assigned.
- Prepares and reviews income/expense analysis
- Updates all standard costs
- Reviews and analyzes variances
- Assists in auditing and costing of inventories
- Performs and directs special projects as requested
- Performs other related duties as assigned by supervisor
EDUCATION and/or EXPERIENCE
Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience. Additional educational/experience requirements:
- Knowledge of computerized account systems
- Working knowledge of accounting principles and practices
- Ability to work with detail and accuracy
- Good organizational skills
- Ability to establish and maintain effective working relationships
US Citizenship required for most positions. EOE/AA, M/F/D/V. Please send resumes and salary history to Advanced Programs, Inc. 7125 Riverwood Drive, Columbia, Maryland 21046 to the attention of Human Resources or email to firstname.lastname@example.org


Be Counted! In March 2020, The Census Bureau mailed all households an invitation to participate in the 2020 Census. If you have not replied, you can still respond to the 2020 Census online, by phone, or by mail.
The Census is safe, secure, and confidential, and your response helps to direct billions of dollars in federal funds to local communities for schools, roads, and other public services.
See my2020census.gov for more information.


"Cal Home Lending I must say is a very progressive mortgage company. You guys are spot on and I have really appreciated working with good real people. Thanks again for getting my loan done so quickly and saving me time and money."
Brody - Sebastopol, CA
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Billing - Assigning Group Billing to Contacts
Sometimes, you may have a billing account with several different billing groups, and the billing group always follows the Booker—that is, each Booker has a different, specific, billing group that he or she always uses.
In this case, you don’t have to remember to pick the proper billing group for each trip—you can assign the appropriate billing group to the contact, and then it is selected automatically.
For our example, we have set up a billing account (Livery Coach) with two billing groups (David and Chip). Before we do any assignment, you can see that when David books a trip, both billing groups are available.
To assign the “David” billing group to David, we simply navigate in Maintenance to Maintain…Accounts…Account…Groups.
Select the desired line, and click on the “Assign” button.
You can then use the “Sort By” field to narrow down your contact record selection. Select the contact you want to assign, and then click Add. The selected contact will move from the top window to the bottom window.
Now, when David books a trip, the only billing account group available is the one assigned to him.
When this feature is used in conjunction with the Mandatory button discussed last week, using account groups can be fast and easy—you don’t have to remember to pick one, or even which one to pick. The system will handle this for you.


*This information is provided for informational purposes only. By distributing this article, Elder Law Attorney Koren Martin is not rendering any legal or professional advice. This is an area of the law that changes quickly. If legal advice is necessary, the reader should consult an Elder Law Attorney. Medicaid should not be confused with Medicare benefits. This FAQ only addresses potential Medicaid eligibility.
The average cost of a semi-private room in a nursing home is $4,940 per month (as per the daily average rate of $162.41 established by Texas Health and Human Services Commission) with costs ranging from about $4,200 per month in small communities to over $6,000 per month in metropolitan areas. However, the cost of round-the-clock in-home care runs about $17-$22 per hour translating to a monthly cost of about $12,500 to $16,000. Thus, unless a person is independently wealthy or has long term care insurance, about the only other method of paying for nursing home costs is through the Medicaid program.
An applicant must:
In order to qualify for Medicaid nursing home care (and the Star Plus Waiver benefit) the applicant must have a medical condition that requires specialized supervision by a licensed nurse for services ordered by a physician according to a documented medical condition. For example, could an unskilled individual provide sufficient care for the applicant. If so, then the applicant does not meet the medical necessity requirement. Generally, a person suffering from dementia or Alzheimers disease who takes prescription medications will meet the medical necessity requirement.
Not all nursing homes accept Medicaid benefits. Of those nursing homes that do, the nursing home may only accept a limited number of Medicaid recipients. Additionally, the Medicaid "bed" generally is in a semi-private room.
A Medicaid applicant must receive an income less than $2,205 in 2017. The Medicaid Agency only looks at the applicant's income (not the spouse's). The Medicaid Agency looks to the name on the check to determine which spouse to attribute a particular item of income.
If the applicant otherwise qualifies for Medical long-term nursing home benefits, the applicant (or the applicant's spouse or other representative) may create a Qualified Income Trust or "Miller Trust." This trust allows the applicant to transfer his/her income into the trust and then qualify for Medicaid long term nursing home care benefits.
Among other provisions, the trust must provide that upon the death of the beneficiary/applicant, the State of Texas will be reimbursed for all expenditures made on the applicant's behalf. If the applicant is married, the benefits will be paid out of the trust as follows:
NOTE: The deductions noted above are given to all institutionalized Medicaid recipients when calculating the co-payment to the nursing home. The Miller Trust puts the budget under very careful scrutiny for compliance.
No. A Miller Trust is ONLY used to overcome the income cap issue. A Miller Trust is NOT a trust used to protect assets (resources).
To qualify for Medicaid, the applicant's countable assets (resources) cannot exceed $2,000.
If both spouses are applying for long term care nursing home benefits, then their combined countable resources generally cannot exceed $3,000.00.
If only one spouse is applying for Medicaid benefits, the community spouse may keep more than $2,000.00 in assets. When the Medicaid application is made, all available non-exempt resources of both spouses will be counted as resources, regardless of whether the property is classified as community or separate property. One-half of the couple's resources will be set aside for the spouse not applying for Medicaid benefits, with a minimum set aside amount of $24,180.00 and $120,900.00 maximum in 2017. (Pre-marital and post-marital agreements are irrelevant to the Medicaid application.)
There may be ways to increase the maximum amount that can be set aside for the spouse staying at home but the strategies can be complex and should be discussed with attorney Koren Martin.
Spending down before or after the application is not the key. The Medicaid Agency gives you credit for all monies spent after you enter a medical facility and ultimately stay for 30 consecutive days or more. For example, Wife has a stroke and goes into the hospital in September 18. On October 4, she is moved into a nursing facility and continues to reside there. Her husband makes application for Medicaid benefits for her in December.
The Medicaid Agency will determine what their assets were on September 1 and again on December 1 to see if they have already spent funds to meet any spend down. When only one spouse is applying for Medicaid, it is best to "spend down" AFTER a person has spent 30 consecutive days or more in a medical facility. When an individual with no spouse is applying for Medicaid, the applicant can have only $2,000 in countable assets so any spend down should be accomplished after entry into the nursing home but before eligibility.
No. The following assets are exempt from being included as a countable resource:
Additionally, the Medicaid Agency will also exempt funds held in an IRA, 401k or other similar tax device that are invested in an annuity product. (I do not make investment recommendations. However, I will work with your financial planner to explain the effect your investments might have on a Medicaid application.)
If a nursing home applicant makes a transfer of resources for less than fair market value (a “gift”) in order to qualify for Medicaid benefits, the applicant will be penalized for the gift by being ineligible for Medicaid nursing home payment for a calculated period of time (the “transfer penalty”)(Currently the gift will disqualify the applicant for the in-home Star Plus Waiver benefit). The Medicaid Agency has determined that the average private pay cost for nursing home care is $162.41 per day (beginning September 1, 2013 through August 31, 2017). To determine the number of months of ineligibility for any gift, the Medicaid Agency will divide the amount of the gift by $162.41. The resulting quotient is the number of days of ineligibility for benefits.
If a gift is made, the presumption is that it was made in order to qualify for Medicaid benefits. To avoid a penalty, the Applicant would have to prove that the gift was made for a totally different reason, which is a very difficult burden of proof. Under Federal and State law, the Medicaid Agency could "look back" for 60 months to determine if an individual made any gifts.
Congress allows a person who is disabled (according to the Social Security definition of disability) under the age of 65 to transfer assets to a Supplemental Needs Trust or a pooled Trust (e.g. the Arc of Texas, Master Pooled Trust) without transfer penalties. Both of these trusts require that upon the death of the applicant/beneficiary, all Medicaid expenditures are paid back to the State out of the remaining trust funds. These trusts are generally irrevocable.
When spouses transfer their assets into a living trust, the Medicaid Agency takes the position that so long as the trust is revocable, it is as if the parties still own the assets–because the parties can revoke the trust at any time and get their assets back. There is no transfer penalty so long as the spouses can recover the property from the trust.
A Medicaid applicant/recipient cannot claim an exemption for the homestead if the homestead is owned in a revocable trust. Additionally, owning assets in a Revocable Trust can result in complications for Medicaid eligibility. When the first spouse dies, if the trust requires that the deceased spouse’s property must pass into a trust for the surviving spouse, such a transfer could result in a Medicaid disqualifying transfer penalty applied against the surviving spouse (even if the decedent’s trust for the surviving spouse had supplemental needs language).
These rules are complex so before creating a trust with the intent of applying for Medicaid, you should consult with Koren Martin.
The answer is most often, no.
An annuity that allows a person to access the cash assets (similar to a savings account) is a countable asset except in the case of an IRA, 401k or other similar investment If the annuity is “annuitized,” the annuity will be paying monthly payments and the fund cannot be cashed out. If your annuity is paying monthly income with no ability to cash out the annuity, then you may have to name the State of Texas as either the secondary beneficiary with a spouse or minor child as the primary beneficiary OR name the State as the primary beneficiary. Upon the death of the annuity owner, the funds must pay to the surviving spouse, a minor child, or reimburse the state for all Medicaid expenditures made on behalf of the annuity owner.
Because an annuity contract could contain significant surrender penalties (over and above the tax issues), you should contact attorney Koren Martin to determine the pros and cons of investing in annuities.
Once you have supplied me with all of the necessary documentation and any prerequisite spend-down or estate planning strategies have been implemented, I will submit the completed application to the Texas Health and Human Services Commission (the "Medicaid Agency"). The Medicaid Agency has 45 days to complete the Medicaid application review and can obtain a 45 day extension to complete the application review for a total of 90 days. Once a Medicaid Application is filed, the only nursing home payment required is the applicant’s income.
If the application is not complete, the Medicaid Agency can deny eligibility. An application can be supplemented during the application process. If the Medicaid caseworker requests additional information required on Form 1200 (the Medicaid application), it is wise to respond quickly to avoid a denial of benefits. However, if there is a deliberate misrepresentation or willful withholding of information for the purpose of obtaining public assistance, the agency can refer the application to the Office of Inspector General for a fraud investigation.
Absolutely. An applicant can appeal a denial of eligibility within 90 days of the denial date. However, it is wise to appeal as soon as the denial is made if the applicant believes that the denial of eligibility was wrong.
While the State will not “take” the homestead as reimbursement for Medicaid payments, when there is no surviving spouse or other exemptions, your executor may have to sell your homestead and your family heirlooms after you die if you accept Medicaid assistance. The following is a brief overview of the Medicaid Estate Recovery rules.
It is important to note that, effective September 1, 2003, the Texas Legislature passed a law requiring the implementation of a Medicaid estate recovery statute based on the federal requirement to attempt to recover certain State Medicaid expenditures from the estate of a deceased Medicaid recipient. The program is called the Medicaid Estate Recovery Program (“MERP”). The rules were effective as of March 1, 2005. According to the rules, there will be no estate recovery, ever, when the deceased Medicaid recipient has a surviving spouse, minor children, disabled child (of any age). There is an additional exemption when an unmarried adult child lived in the homestead at least one year immediately prior to death. This is not a lien statute so the state will not “take” the homestead. The statute makes the State a creditor just like a doctor or ambulance company and just like any creditor, if there are no exemptions or waivers from collection, the creditor can require the executor to sell estate assets to pay the debt.
Before paying Medicaid Estate Recovery, I urge you to have your Certified Elder Law Attorney review the claim to make sure it is a valid claim.
First you must determine if the power of attorney authorizes the agent to make gifts. As noted above, gifting can create a period of ineligibility for Medicaid long term care benefit. Elder Law Attorney Koren Martin advises against gifting for a number of reasons, including but not limited to:
While gifting is difficult, it may be allowable. Any concerns about gifting should be discussed with an Elder Law Attorney.
There is a Texas law that says:
“‘Exploitation’ means the illegal or improper act or process of a caretaker, family member, or other individual who has an ongoing relationship with the elderly or disabled person using the resources of an elderly or disabled person for monetary or personal benefit, profit, or gain without the informed consent of the elderly or disabled person.” Texas Human Resources Code §48.002(3)
If Adult Protective Services (referred to as “APS”) finds that a person used a power of attorney (or any other means) to transfer the Applicant’s money for the benefit, profit or personal gain of someone else (“made a gift”) without the Applicant’s informed consent, then APS could find that the person making the transfer has EXPLOITED the Applicant. APS can refer its findings to the District Attorney. Transfer of funds as small as $500 can result in a state jail felony charge. Therefore, it is imperative that if an elderly person intends to make gifts and may want to use the Medicaid program to help pay for care, then prior to the gifting, the elderly person or his/her family should consult with an Elder Law Attorney.
The internet is not your friend. Since each state has the ability to promulgate its own regulations for Medicaid program eligibility, any other state or a federal website would not provide accurate information. Additionally, regulations and the policy enforcing those regulations change. Therefore, a 2015 website will probably not have the most current statements of regulation and policy. Even if the website has a 2017 publication date, if the site is being published by a stakeholder that is selling a produce, you may not receive the rest of the story.
Therefore, it is my advice that when trying to create a Medicaid plan, it is best to contact an Elder Law Attorney, like Koren Martin. When asking a legal question about the Medicaid program or any other legal issue, it is imperative that a person obtain advice from a competent attorney.
Texas Law prohibits non-attorneys from advising persons about Medicaid qualification and charging a fee:


Call for Expression of Interest (EOI) from Individual Consultants & Professional Firms to Develop MAF Financial Accounting Manual
Malaysian AIDS Foundation (MAF) was established by Malaysian AIDS Council (MAC) as its fund-raising arm in 1993. It was formally incorporated as an independent entity under the Trustees (Incorporation) Act 195 in 2003. MAF supports the activities of MAC and its Partner Organisatons in implementing HIV/AIDS projects throughout Malaysia.
MAF also manages projects funded mainly by private domestic sources. As MAF scales up its projects there is a need to have a better system of check and balance to ensure transparency and accountability in its financial activities. Hence, the management of MAF wishes to develop a Financial and Accounting Manual to regulate its financial activities.
Terms of reference for this assignment is available here.
Submission of EOI
Qualified individuals who have the experience in producing corporate products and are interested to undertake this assignment are invited to fill the EOI template (download here) together with copies of credentials and submit to MAF via email, [email protected] before 15th November 2017. Submission should include at least one work sample by the individual. If published please include the website address where the report is available.
For professional firms kindly submit corporate profile and please state your fee.


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The Nevada Gaming Control Board released its traditional monthly update on the state’s gambling industry. September retains the momentum inherited by previous months, reporting a year-on-year revenue increase of 8%. If the trend continues, the Silver State should easily surpass 2021’s record-setting profits.
Another Excellent Month for Operators
September is the 19th month in a row when Nevada’s gambling sector’s monthly revenue surpassed $ 1 billion. The state made $1.24billion in total, equating to an 8% increase compared to 2021.
Casinos in The Strip contributed the most once again, bringing in $693 million and enjoying the most substantial monthly increase of 8.25% compared to other regions. It accounted for over 55% of the state’s gaming revenue. The strong showing can provide foresight on the upcoming quarterly reports of its largest operators like Caesars, MGM, and Wynn Resorts.
Nevada Gaming Control Board senior analyst Michael Lawton was optimistic that the state would continue its streak. The coming months should receive a substantial boost from a stacked series of high-profile events like the return of the Global Gaming Expo, performances by Adelle and Elton John, and UFC 282.
We have three months left in the calendar year, and I’m going to go out on a limb and say this year is going to surpass last year.
Michael Lawton, Nevada Gaming Control Board senior analyst
This prediction also matches the growing number of visitors. 3.35 million people chose to come to Vegas in September. While the number still lags by 3.5% compared to the pre-pandemic levels, it represents a substantial 14% increase compared to 2021, signaling a healthy upwards trend.
Sportsbook Profits Almost Reached Record Highs
Slot machines continued to dominate the gambling sector, making $858.1 million, which marks a steady 10% year-on-year growth. Table, counter, and card games came in second at $390.8, while baccarat revenue dropped by 3.6% compared to last September, settling at $80.1 million.
Nevada’s sportsbooks were the biggest surprise this September, with revenues just short of November’s $72 million record. The $70.6 million collected is an impressive 30.2% increase compared to last year and can be attributed to the month’s stacked sporting calendar. Online wagers made up 64.6% of all sports betting activity, supporting the growing trend away from land-based establishments.
The Winning Streak Will Likely Continue
While September’s results certainly seem encouraging in the context of post-COVID recovery, experts believe that dark clouds may be on the Horizon. Brendan Bussmann, managing partner of gaming and hospitality-focused consulting firm B Global, told Forbes that $1 billion had now become the standard and warned of some concerning factors that could negatively impact Nevada’s bottom line.
We hit full recovery, plus some, but we have inflation at record levels, and costs are spiraling out of control, which will put pressure on the locals market.
Brendan Bussmann, B Global managing partner
Despite growing concerns, Bussmann was optimistic that Nevada would be able to sustain its billion-dollar streak at least until the end of the year. So far, 2022 is proving to be a breath of fresh air for Vegas. With projected profits rising for the foreseeable future, the Silver State should be in a stable-enough position to handle any upcoming downturn.