Let’s take a look back at the 2008 Global Financial Crisis bear market for a good example.
When the bull market started in March 2009, the S&P 500 rallied +63% from the bottom through the end of the year – very close to the +68% rally following the Covid-19 bear. In 2010, which was the second year of that bull market, the S&P 500 endured an intra-year correction of -16%.
The correction was scary at the time, but also healthy – the market finished up +13% in 2010. We have seen this very regularly throughout history, where the second year of a bull market is choppy but also finishes positive. I could see a similar outcome in 2021.
So, how should investors prepare for market volatility or a double-digit correction? Using history as a guide, it is time to mentally prepare for a correction now, so when it arrives, you expect it and can avoid making any knee-jerk, reactive decisions.
Adapted from Zacks "Mitch on The Markets" on 8 May 2021


Relatones is a leading provider of exceptional learning and development consulting, training solutions, IT consulting, and marketing consulting services to the financial services industry. Our custom-tailored training programs help financial organizations improve employee skills, enhance customer service, and drive revenue growth.
Our IT consulting and digital transformation services enable financial services providers to optimize their technology infrastructure, enhance cybersecurity, and implement innovative solutions that improve operational efficiency and better serve their clients.
Additionally, our marketing consulting services help financial organizations develop effective marketing strategies, optimize their digital presence, and reach their target audience with precision. We understand the unique challenges faced by the financial services industry and we are committed to helping our clients overcome those challenges to achieve their business objectives and stay ahead of the competition.


So do they take credit cards in Vienna?
Well, the city and Austria in general does not have a strong tradition of credit card use. What that means is you can NEVER assume that you can pay for your meal, room, tickets or shopping with a credit card.
Always check for the appropriate symbol on the door or till, first.
Don’t get me wrong – many places in Vienna (especially hotels and other places that regularly serve tourists) do take cards. But many don’t, so check first if in doubt. Even those places you’d think were mad not to take credit cards might refuse your plastic.
The two most popular cards here are probably VISA and Mastercard.
The relatively low uptake of credit cards in the population has its roots in traditional values. Austria is not a credit-driven economy; home ownership is not widespread in Vienna, for example.
The credit card companies also charge an annual fee which puts off some people. And debit cards (the Bankomat card where each payment you make comes straight off your Austrian bank account) are popular alternatives.
(Photo credit: © kkolosov / Fotolia)


Bounty donation matching scheme
At ROOL, we want to see the bounty scheme succeed, so ordinary users can get to see the sorts of things they want to see happen. But we understand that in the early days of the scheme, when we’re testing the water, donors may be cautious about donating, because there’s no track record of how much money has to be raised before a developer is likely to claim the bounty.
ROOL has raised money over the last few years from general donations and from sales of the C/C++ toolchain, and we think it’s appropriate to use some of this to kick start the bounty scheme. We could have chosen to do this by simply allocating money equally to the available bounties, but this pre-supposes that each bounty is equally valuable to end users, and also risks paying above the “going rate” for some tasks.
So what is ROOL doing?
ROOL is hereby pledging to match, pound for pound, the first £1000 donated, spread across all bounties. This means that every £1 you donate is worth £2 to a developer who implements your chosen bounty. It also means that it’s in your interest to donate early, while this money is still available! We will keep the remaining amount available visible on the bounty page so you have some idea how much longer you can take advantage of this scheme.
There is one exception: we won’t be matching donations to the RISC OS Open administration bounty, since this would just be paying money back into the same fund from which we’re making the matched donations, so this would be pointless!
When will this start?
This offer starts with immediate effect. We will actually be starting by matching the donations already made into the bounty scheme. The donation matching process will be performed manually by ROOL staff so don’t be surprised if it takes a few days before the matching donation from ROOL appears in the relevant pot!
What happens if a bounty is closed?
The money that ROOL matched with any donations to that bounty will be redistributed to other bounties, the same as with the original donations.
What if I want to donate more money than is left in the ROOL pledge fund?
If you want to donate (say) £100 but the ROOL pledge fund only has £50 left in it, we will match the first £50 of your donation.
What happens when the pledge fund runs out?
We will re-evaluate whether to extend the scheme at a later date, depending on how successful it has been and how much money we have left in the bank account at that point. It will be encouraging if we get to the point where the pledge fund runs out, because that will mean that the bounty scheme has also attracted £1000 in donations from other people, of course!


Remco Westermann, MSc Erasmus University
Executive Director & Chairman of the Board
Experienced general manager, enterpreneur and investor, with over 25 years of experience in various roles in media- and mobile industries, including his role as a consultant with Adstrat and managing director and board positions at Sonera, Sonera Zed, Bob Mobile, Cliq Digital, Samarion and Gamigo AG. Dedicated to growing companies via buy & build as well as organically.
Over 25 years of experience in international corporate finance advisory in various fields such as M&A, equity/debt financing and venture capital. During that time for six years he was the CEO of a publicly listed Private Equity Firm. For five years he managed as CEO an investment management firm. Before that he was partner in the largest mid-cap principal investment firm in Switzerland.


BBC NEWS. Page last updated at 16:52 GMT+01:00, viernes, 8 marzo 2013
The US unemployment rate fell to 7.7% in February, the lowest since December 2008
Hiring in the US has gathered momentum after government figures showed that the economy created 236,000 jobs in February.
The figure was much higher than analysts had expected, and more than the 157,000 jobs created in January.
The unemployment rate fell to 7.7% last month, the lowest since December 2008, from 7.9% in January, figures showed.
But the White House’s chief economist said more work was needed as Congress remained divided over economic policy.
Employment growth has risen by an average of 195,000 a month in the last three months, figures show. Analysts had forecast a rise of 165,000 jobs for February.
Following the release of the jobs figures, stocks on Wall Street opened higher with the Dow Jones index up 62.23 points at 14,391.72. The dollar also gained against the euro and the yen.
Professional and business services added 73,000 jobs last month, while the construction industry hired 48,000 employees. The health care industry added 32,000 jobs and the retail sector added 24,000 new staff.
Only government lost 10,000 jobs in February, mostly in local education. The public education sector has now lost 340,700 jobs since its 2009 peak.
But the number of long-term unemployed – out of a job for at least 27 weeks – was unchanged, accounting for about 40% of the jobless total.
“Progress in the labour market is unmistakable. The economy is producing more than twice as many jobs as it did at the low point in the second quarter of last year,” said Joseph Trevisani, chief market strategist at Worldwidemarkets.
But he warned that optimism was “relative”, because of slow economic growth. The economy in the October-December quarter made modest gains, growing at an annualised rate of just 0.1%.
Analysts are now debating whether the labour market is strong enough to weather a series of public spending cuts, known as the sequester, and whether the Federal Reserve will continue with its loose monetary policy.
The latest jobs report takes into account the period before the sequester officially began on 1 March.
Last week, President Barack Obama signed into effect spending cuts worth $85bn (£56bn), although he warned that the cuts – if fully realised – would slow US economic growth by 0.5% and cost 750,000 jobs.
The sequester was drawn up in mid-2011 as Congress and the White House feuded over raising the debt ceiling and how to slash the huge US deficit.
Republicans wanted deep cuts in spending, while Democrats insisted on raising taxes as part of any plan to tackle the country’s $16.6 trillion debt.


Refunds will be given if written notice is postmarked by January 15, 2019. There will be a $25 processing fee for all refunds. Please note that the submission of the registration form is a commitment to pay the registration fee, regardless of weather conditions. No-shows will be invoiced and subject to collection for the full amount if written notice is not postmarked by January 15, 2019. Refunds will not be given after January 15, 2019. Request for a change in registrant can be accommodated only if the new responsible party's payment has been received.


In 2012, ICT innovator Ali Niknam found bunq upon the principles of ethical banking with their user’s experiences instead of profit leading the company’s direction. Niknam’s pursuit was spurred by the global banking crisis of 2008, and he launched his platform as the “WhatsApp of banking” by removing the need for IBANs. Then, when bunq got an official banking permit from the Dutch Central Bank in 2015, bunq has been able to supply its users with their own IBANs, making even more of their banking services available to the general public. Overtime, bunq has become available all throughout the EEA, with complete service being offered in Belgium, Austria, Germany, France, Spain, Ireland, and Italy as well.
The bank of The Free
So what does bunq being “the bank of The Free” entail, exactly? There is indeed an account option free from monthly payments, but this tagline primarily comes back to Niknam’s ethical banking philosophy, which is expressed in the unique fact that bunq is completely transparent about its investments. As a bunq user, you can choose how bunq uses your money, for example for ethical or green project investments, safe and reliable government bonds, or simply stored at the central bank.
This way you can rest assured that in no way bunq will ever invest your money in any type of shady business, and thus truly remain free of corruption. With the 2008 crisis waking up everyone’s awareness of the fragility of regular banking, it’s no wonder that so many (international) students, expats, and young professionals choose the ethical and innovative banking services of bunq.
User above all
As we mentioned earlier, bunq’s modern banking service is all about the user experience (UX). This expresses itself in the fact that you can setup your bunq account via your smartphone in just a few button tabs. All you need to do is get the app, enter a few personal details (which you can easily verify by taking photos of your official documents), and wait for the manual verification on bunq’s side. Then you’re all set to start banking directly on your phone, so no need to ever go to a bunq facility or even talk to an employee.
In this, you don’t even need a BSN (burgerservicenummer) to set up your account, which is perfect if you aren’t in the Netherlands yet or just moved here. Consequently, with bunq, you don’t have to worry about being able to pay your rent, shop for groceries and clothes, or get that much-needed furniture to make your accommodation more comfortable. Although it usually just takes a few days before you can get your BSN, bunq gives you 90 days to complete your account, which is also convenient if you’re only here for a short time and weren’t planning on getting your BSN in the first place.
So, the app basically has everything you need; you can scan QR codes with it to make payments on other devices (similar to the scanners that other banks supply you with), and you can generate your own QR codes for anyone who has bunq to pay you directly by scanning it, which is most convenient if you don’t have (or want) each other’s contact details.
However, if your phone is empty, lost or destroyed, or if you find yourself in front of a computer, you can still do your banking on other devices via the bunq web app or via the third-party desktop app (scroll down a little to find the download link).
Of course, you can communicate with bunq employees if you wish to do so; the employee chat is available every day from 08:00 – 23:00, and usually for 24 hours a day when they’re rolling out a new update. In addition, bunq engages with its community via its bunq Together forum and listens carefully to what users want from their banking experience (don’t be surprised if Niknam replies to your posts or comments himself). Moreover, bunq organizes real-life events in Amsterdam to demonstrate new updates and layout their most recent ideas, which have gained waiting-list-level popularity and even attract users from countries such as France, Austria, and Germany.
So, what benefits specifically set bunq apart? How does bunq save you time and help you manage your finances? The complete list is endless, but here we’ll focus on why bunq is ideal for students and expats.
- Bunq is unique in giving you monthly interest on both payment and savings account(s).
- Slice Group(s) for expenses that you make with a group: for example, the groceries, rent or utilities for your student house, or the holiday expenses of you and your family or friends.
- Even without having a Slice Group you can instantly split any bill that you paid.
- 3 debit cards, a Maestro, a MasterCard, and even a sustainable metal card: The cool thing is that the MasterCard works like a regular debit card that you can make credit card payments with as well. This completely new feature in the Netherlands ensures that you can only spend the money that you actually have.
- Thievery-proof MasterCard: there is no CVC code written on your MasterCard; your CVC is safely tucked in your app, and you can even have it be automatically changed every 5 minutes.
- Up to 25 sub-accounts: segment your savings and spending finances effectively. -** Have 2 pin codes connected to 1 card:** for example, on 1 bank card you can link one code to your checking account and one to your savings, or one to a groceries sub-account and one to your general account.
- Change your pin code(s) and deactivate bank cards whenever you like.
- Control security settings: limit (sub-)account spending, give permission per country, change login code and authentication methods, and much more.
- Instant payment push notifications: this way you’re always on top of your expenses, which gives you more insight and the option to immediately interfere if payment isn’t according to plan. Of course, you can turn the type of push-messages that you receive on and off at will.
- Direct debit approval: get notifications so you can approve or reject direct debits.
- Automatic saving: round off payments and have the rounded up amount sent to a savings account. For example, if you pay €2,40 for a beer, then you can have it rounded up to €3,00 and automatically put the €0,60 in a savings (sub-)account.
- Public API: constant customizations and new integrations developed by tech-savvy people
bunq offers 5 types of accounts for its users, each specified for a different type of user, but there are 3 particularly convenient for students and expats.
Easy Travel: The most convenient and secure card to travel the world with.
- All the benefits of a credit card, without the burden of debt or any monthly fees.
- Only real exchange rates, which makes you save up to 3% for each payment that you make abroad.
- Slice Groups: automatically track who paid what.
- Travel assistant: exchange rates, safety tips, travel tricks, etc.
- Integrated with Google and Apple Pay.
Easy Money: Make life easy with a bank account that makes your finances insightful and fun, so you can just enjoy life and not worry about money.
- All Travel Card benefits +
- 30 Days Free Trial
- 3 cards of your choosing with 10 monthly free cash withdrawals
- Up to 25 sub-accounts, including Dual PIN technology
- Automatic saving, and direct bill splitting and payment requests
- TransferWise integration: send foreign currencies only at the real exchange rates
- Complete Siri voice control
Easy Green: A greener world because of you; zero CO2, zero effort.
- All Easy Money features +
- For every €100 you spend, bunq plants a tree for you: become CO2 neutral in only 2 years’ time without any extra effort needed from your side.
- Sustainable Metal card: lasts 50% longer and made of 50% less plastic.
In addition, bunq offers you to get a bunq +1 for anyone that you want to share a (sub)-account with, and Business Easy Travel, Easy Money, and Business Easy Green accounts that are specifically designed to save entrepreneurs time.
If you want to be one of the thousands of students that became part of the bank of The Free follow this link and find out more about bunq.


Monday, August 3, 2009
Now that you've cut your expenses and increased your income, you've come to the boring part. Now, it's time to save money. You'll need to save for a few years. Yep, a few years. Sounds hard? It is. Sounds boring?..........It is. But, it's time that you do it, and once it's over, it's over forever. Once it's over, you'll feel better about yourself, be more financially secure, and be more ready to tackle the world of getting rich than ever before. The hardest process of all in getting rich is the process of saving money for a few years. If you can get past this part, then you definitely can be rich. The hardest part is over only a few years away. Get started.


The potential Mega Millions lottery payout has reached a new record high at $500 million. The next drawing will be held on Friday.
According to a story in the Arkansas Democrat-Gazette, “Julie Baldridge, a spokesman for the Arkansas Scholarship Lottery, said the figure represents the highest jackpot ever in any lottery. Mega Millions jackpots start at $12 million and grow when no one matches all six numbers. The current jackpot started with a draw on Jan. 25 and had swelled to $376 million in Tuesday’s drawing.”
We’re wondering this week if you’ll go out of your way to play the lottery based on this record-setting jackpot total?


Saturday, September 19 - A Day of Prayer with the Bishop!
This Saturday Bishop Richard Garcia will be visiting Saint Catherine's and hosting a talk and roundtable discussion. Our own Youth Ministry will be hosting a workshop exercise which will benefit all who attend -- you don't want to miss it!
Bishop Richard Garcia
Saint Catherine gym, 3460 Tennessee Street, Vallejo.
Saturday, September 19, at 9:00 am.
We are providing lunch for a $5 donation
For more information, contact the church at (707) 553-1355.
Our Faith, Our Future campaign
Our present church building was dedicated to the service of God in 1991. When construction was completed, the parish was left with a large debt of $2.9 million. We would like to raise a minimum of $1 million that will enable us to pay the principal of our debt and plan for the future.
Saint Catherine of Siena parish, with almost 1,600 households, is still growing, and our facilities are not adequate to provide for all our present needs, let alone for those in years to come.
Every member of our parish is integral to the success of this critical fund raising endeavor.


Items 5, 6, and 7 of a Franchise Disclosure Document (“FDD”) are all about money – how much the franchisor charges for the goods and services it provides franchisees before the franchised business opens, how much the franchisee will pay to the franchisor throughout the business relationship, and how much the franchisee will need to invest to open the business. After reading Items 5, 6, 7, the franchisee must understand how much things cost, how much they’ll be paying you, and when they will be making payments.
It is important for you to give accurate estimates to avoid litigation risks and help prospective franchisees evaluate their ability to successfully finance and open the business.
The three required disclosures of Item 5 are initial fees, refundability, and uniformity. An “initial fee” is payment that a franchisee makes for goods and services received from the franchisor or the franchisor’s affiliates from the time of signing the franchise agreement to the opening of the business. While the initial franchise fee is the most common example of an Item 5 fee, franchisors may offer services for additional fees like selecting a site, providing architecture plans, or providing opening inventory and those would need to be disclosed as well.
If you determine that any of the above fees are refundable, you will need to describe the conditions that make it so. Some of these conditions might be failure to find a location for the business or failure to receive required licenses.
Franchisors may negotiate different initial franchise fees among prospective franchisees, especially if the franchise system is emerging. Any variation from the initial fee disclosed (discounts, payment plans, etc.) in the previous fiscal year needs to be described in Item 5. This disclosure does not obligate the you to offer the same discount to future franchisees, but it puts prospective franchisees on notice that you have been willing in the past.
While Item 5 focuses on the fees a franchisee pays to the franchisor before it opens the business, Item 6 describes the fees that may be paid to the franchisor or its affiliates throughout the business relationship. If the franchisor collects a fee on behalf of another party, that will also be included in Item 6. Item 6 requires these fees to be in a specific table, a model of which is found below.
|Name of Fee||Amount||Due Date||Remarks|
|Royalty||5% of monthly Gross Sales||You must submit your sales reports to us by the 5th of each month. The royalties will be electronically drafted from your bank account in one installment each month on the 7th.||Monthly Gross Sales is defined in Note 1.|
|Brand Fund Fee||2% of monthly Gross Sales||Payment made by debit or check to us or by electronic funds transfer (“EFT”) on the 7th of each month, as we designate.||Can be raised up to 3% of monthly Gross Sales|
|Minimum Local Advertising Spend||$500/month||As incurred/monthly||You are required to spend at least $500 per month on local advertising, in the form and manner we require, and to the vendors we approve.|
|Renewal Fee||$10,000||Upon signing of new franchise agreement.||Payable in immediately available funds. Renewal is for a single 10-year term.|
|When we approve franchise transfer.||Fee must be deposited with us prior to our undertaking any review, drafting of documents|
Most franchise systems require franchisees to pay a royalty. This fee is typically a percentage of gross sales and may be subject to a weekly or monthly minimum payment. Another very common fee is a brand advertising or marketing fund used for marketing services and tools that benefit the entire franchise system. Item 6 also lists fees that must be paid to the franchisor upon the occurrence of certain events like renewal of the franchise agreement, transfer of the franchise agreement, or additional training. Finally, some fees function as penalties for breaches of the franchise agreement, such as using unapproved advertising, failing to obtain insurance, or failing to attend required trainings.
The menu of fees that you select will be driven by the needs of your franchise system and the support that you offer franchisees.
Item 7 is designed to help franchisees understand how much money they will need to spend to get the business open and operating. Item 7 includes payments franchisees will make to third parties.
In a table titled “Your Initial Investment”, the franchisor describes the types of expenditures a franchisee will make. The types of pre-opening expenses include the initial fees from Item 5, training, cost of leasing or purchasing real property, equipment and fixtures, construction and improvements, signage, computer equipment, and opening inventory. You can add other categories based upon the unique elements of your system. The final category represents the amount of funds necessary to operate the business for three months.
For each category of initial investment, you will identify the high and low estimates, method of payment, payment due date, and to whom the payment will be made.
The footnotes to the table are just as important as the estimates. These notes give the rationale for the estimates. These are a practical guide to the requirements and best practices of opening and operating a new franchised business. For example, the franchisor will explain that its estimate assumes a certain type of leased space and square footage, that certain equipment will be leased rather than purchased, and the cost of required licenses.
An example of Item 7 is below.
YOUR ESTIMATED INITIAL INVESTMENT1
|TYPE OF EXPENDITURE||AMOUNT LOW||AMOUNT HIGH||METHOD OF PAYMENT||WHEN DUE||TO WHOM PAYMENT IS MADE|
|Initial Franchise Fee||$50,000||$50,000||One lump sum payable upon signing of the Franchise Agreement.||Franchise fee is due on signing Franchise Agreement.||Franchisor|
|Leasehold – first 3 months||$10,000||$30,000||Monthly Rent or landlord terms.||Typically at the first of each month. May vary depending on landlord.||Landlord|
|Leasehold Improvements||$50,000||$100,000||Lump sum or (possibly) amortized by landlord.||Varies depending on your contract with supplier.||Supplier or Landlord|
|Signage||$1,000||$5,000||Lump sum.||Varies depending on contract with vendor.||Approved Vendor|
|Furniture, fixtures, and equipment||$10,000||$15,000||Progressive payments or lump sum incurred||Varies depending on contract with vendor.||Approved Vendor|
|Initial Inventory||$10,000||$15,000||Progressive payments or lump sums incurred||At time of purchase or varies depending on contract with vendor or supplier.||Various Vendors and Suppliers|
|Computer Systems and Equipment||$5,000||$7,000||Lump sum.||At time of purchase or varies depending on contract with vendor or supplier.||Various Vendors and Suppliers|
|Training living expenses||$500||$1,500||As incurred.||Before opening.||Air travel, hotels, meals, incidentals|
|Insurance||$500||$1,000||Lump sum or terms of provider.||Varies depending on contract with provider.||Approved Provider|
|Accounting and Legal Services||$1,000||$1,500||Paid monthly or as invoiced by vendor in lump sum.||Varies depending on vendor.||Various Suppliers|
|Grand Opening Marketing and Events||$10,000||$10,000||Lump sum or as incurred.||As incurred.||Various suppliers, our approved grand opening marketing provider|
|Minimum Local Advertising Spend||$500||$500||Lump sum or as incurred.||As incurred.||Various suppliers or us or our affiliate|
|Additional Funds—3 Months||$7,500||$10,000||As incurred.||(Money to work with still after 90 days – as incurred.)||Vendors, employees, utilities, landlord, suppliers, insurers, tradesmen, city, county|
Note 1: The estimates are based on an initial period consisting of pre-opening and the first 3 months of operation. All fees and payments are non-refundable unless otherwise noted or allowed by third-party vendor. During our last fiscal year all fees in this Item that were paid to us were applied uniformly. Preparing compliant and accurate Items 5, 6, and 7 takes a combination of your business experience and a lawyer’s understanding of what fees need to be disclosed in each Item. The process of developing Items 5, 6, and 7 will help you to make decisions about how the franchise system will operate and help you to articulate that clearly to franchisees. Items 5, 6, and 7 are highly scrutinized by franchisees, both before and after they sign the franchise agreement, because they describe the critical economic components of the franchisor/franchisee relationship. Failure to disclose these Items fully or accurately is a significant, but avoidable, litigation risk.
The attorneys at Manning, Fulton & Skinner have extensive experience drafting Items 5, 6, and 7. Reach out if you have questions about what disclosures you need to make and how you need to make them.


Mindset & Money – 10 Money Myths to Change
How’s your week going? Today I’m talking about Mindset & Money – 10 Money Myths to Change because I’m passionate about helping women find their purpose, use it to make impact and profit so they can attain financial freedom and flexibility to function at their highest capacity and maintain a healthy, happy and balanced life.
What’s your Money Mindset & how well do you Manifest Money? No matter how much you may cringe when people talk about money, you have to understand Money, How to Make it, save it, use it & Invest it because it determines what type of life you live, how much quality time you get to spend with your loved ones, how well your needs are met etc.
Yes, Money doesn’t buy you happiness but it buys you the ability to make significant changes in your life/community, it buys you the freedom, flexibility, power, opportunity & everything else in between your need to maintain a healthy, happy, balanced & successful life. If you disagree with me, leave a comment below saying why.
How well do you understand money? I’m not a financial expert but one thing I can say is most people don’t understand & respect the principles of money which is why they spend their whole life struggling to get it. Also, I’ve learned that most people don’t have a healthy relationship with money. Our thoughts, feelings & attitude toward money has been based on lies, twisted tales & stereotypes, so my goal in the PART 1 of this Money Series is to highlight some of the myths about money that needs to be discredited & share some tips on how to change that narrative so you can be set free mentally & financially.
What I’ve learned in the past few years about money has been mind blowing & life changing. I’m a young African American immigrant woman whose parents relocated to the United States for a better life. I come from a hardworking middle-class family where my Dad had a great 9-5 Job in the Oil & Gas Industry & worked hard at it for more than 30 years to take care of not only his immediate/nuclear family, but also his extended family. So, I grew up with a certain mindset/relationship with money which was heavily shaped by what my parents & people around me said/felt about it and did with money.
Below are the common beliefs, narratives, feelings & relationships with money that most people have so we can mystify them.
- Money is limited and scarce – The idea that there isn’t enough money is part of a limiting, negative and poverty mindset. There may be a certain amount of dollar bills in circulation in the economy right now but there is an unlimited amount of ways for you to make that money and there’s enough to go around if you understand money and execute a successful plan to get it by providing value to people. You can’t live in constant anxiety over money not being enough if not that will become your reality. You need to operate from a place of abundance, positivity and growth.
- Money is the root of all evil – A lot of people are scared of making money because they are scared that it will make bad things happen to them and they will become evil. Well money is just money and has no human attributes. The love for money over human life and values is a problem so money assumes the attributes of whoever controls it.
- Money corrupts and changes good people – Money doesn’t change you and having money doesn’t make you bad or good, instead it highlights your innate personality, character and enhances the qualities you already have within you. You may develop this mindset because of your encounter with people who appear to value money over any human principle or morals which is wrong but the money is not to be blamed for their decision. Money is just money, it’s neither good nor bad, it doesn’t have human qualities, money does what it’s owner assigns it to do. Money doesn’t control people, people control money and choose what to do with it and what value it can provide.
- Rich and wealthy people are greedy and selfish – You may have had a bad experience with a person who seemed rich that made you jump to the conclusion that having money makes you greedy and selfish but there is nothing wrong with having a lot of money, what matters is how you made it, what you do with it, how you treat people, how you manage it and how you use your resources to make a positive impact in people’s lives. The money you have is usually a reflection of the value you have provided for people so there is nothing greedy or selfish about that. In fact, it shows how selfless you are, how much you care about people & how many lives you’ve impacted/changed. Yes, some people provide great value freely sometimes but there is nothing wrong with being compensated for the work/value you create and it teaches other people to invest in themselves, learn to give and create instead of just consuming and taking all the time.
- Money isn’t important or necessary so having a desire to make money is bad – If this is your belief then you’ll never make enough money because money goes only where its valued, respected & used responsibly. There is nothing wrong with wanting to make money, everyone wants that no matter how and what they say because money is essential to living your life. The goal and ability to meet your basic needs, spend quality time with your loved ones, do the things you love, engage in your hobbies, travel the world, fulfill your dreams, help your family & community lies in the brutal fact that you need money. It gives you more free time, more flexibility, more autonomy, more power, more luxury, more options in life, more resources to make things happen, achieve your highest potential and help others do the same.
- Money should always be spent or it should only be saved – You can’t be at both extremes because if you believe that money should just be spent without a balance in your belief that you should also save, you’ll have financial problems. Money needs to flow freely but it needs to flow in the right direction and it needs to be used and managed responsibly and with purpose. You need to save some money for emergency situations, invest some money so it can make you even more money but you also need to not learn to spend in a smart way on yourself, on others and on doing great things for your community. You can’t squander your money or be too frugal, what you need is a balance but always make sure that you cash flow into your accounts is more than your expense going out.
- I’m not good with money – That’s simple not true. Nobody is born understanding money and being great at managing it. It is something that’s learned so if you don’t have a great relationship with money and have a hard time right now managing it properly, you can always learn and get better. You just have to change your belief and attitude about it, take responsibility for your finances and learn to be better.
- The rich get richer & the poor get poorer – This is a mindset that paralyzes you. If you think this way it’s like you’ve given up & have concluded that your situation can’t change which limits you and holds you stagnant. For you to grow and succeed in life, you need to adopt an abundant, positive and growth mindset that propels you to continue to learn, grow, move forward, keep trying, have hope and accomplish your goals.
- You have to work very hard to be rich or you need to have the right network/family to be rich – Again this mindset is untrue and can limit you. While there is nothing wrong with working hard and having a certain type of network may be helpful in being successful, it is only one way. If you understand the principles of Money and how to make it, manage it & make it make more money for you know that you can make money by working smart, leveraging your resources to create real and long lasting value for people at a great price and as you create such value, you will continue to reach more people and start to build a community. There is no one formula or reason to make money and be rich, everyone’s experience and path is different so find what works for you.
- Rich people are unhappy, miserable and depressed because money means more problems – As I’ve said before, money doesn’t buy you happiness but money doesn’t make you depressed or unhappy either. Also, money doesn’t cause more problems, it only highlights and enhances things. It is all about perspective which is based on choice. People are unhappy, miserable and can be depressed regardless of how much money they have or how much impact they make in peoples lives but money gives you the resources to seek further help when needed, it helps you better care for yourself and gets you more support. So just the way people can be poor and depressed, you can be rich and completely happy. It doesn’t have to be one or the other.
What do you think of the above myths about money I just shared? Are there others you know of and want to share in the comment section?
Remember that for you to truly live a life of abundance, tap into your highest purpose and achieve your goals of being healthy, happy, balanced and successful, you have to identify and overcome your limiting beliefs about yourself, your life, people and also money. If you don’t change those negative narratives and limiting beliefs about money that don’t serve you, you will continue to have an unhealthy relationship with money and internally & financially struggle.
So, the first step to financial success & freedom is to identify & change/transform your mindset/feelings/relationship about money because your beliefs determine your feelings which determines your attitude & then your reality/experiences. Your beliefs are usually working on you subconsciously & as you accept them, they become your reality unless you are aware that they exist & you do the work to uncover & then change them.
So, get a book and pen because it’s time to get to work & start uncovering what type of limiting beliefs, habits & feelings are affecting your finances. Take time and reflect and dig deeper into your subconscious and ask yourself the following questions.
What are your feelings about money?
What did you hear and see about money growing up?
What experiences did you have with people about money?
What does money mean to you?
Write out your observations, narratives and perspective about money and then evaluate them rationally. Next, change/rephrase them into something more positive and uplifting, repeat them daily, visualize these new beliefs and the new person you choose to become with this new mindset and journal about your feelings and great experiences with this new mindset/perspective.
Also here are some great books on mindset and money makeover which you can read and use as a resource.
I hope this is helpful and has started you on a new journey towards self discovery and growth. If you have any questions, share below in the comment box or email me at firstname.lastname@example.org
Have a great day!


Vipro Markets is a global EU regulated online broker, with a prime focus on Forex, Stock Indices, commodities, CFDs and precious metals. We serve both institutional and retail Clients from all over the world, always with a keen passion to offer services of the highest quality level and utmost transparency.
Vipro Markets is authorized and regulated by the Cyprus Securities and Exchange Commission (CySEC), with license number 278/15, and is a Member of the Investor Compensation Fund (ICF).
Our mission is to become a leading global broker in the financial services industry, powered by technological innovation, exclusive products and flawless trading conditions in order to serve and exceed the expectations of our traders, investors and stakeholders.
We believe that our ability and persistence to meet the demands of the rapidly evolving financial market along with our strong EU regulation, present an enormous opportunity for us to become an industry game-changer.
Vipro Markets is a trader-centric company where every team member strives for our traders’ success. The guiding forces of our organisation are corporate transparency, advanced technology, clean and efficient trading environment and above all, strong regulation.
We aim to be the preferred destination for all serious traders across the globe by delivering the best trading conditions in a transparent and reliable trading environment, while providing exceptional customer experience.


Careers >> Finance >> Accounts Payable (AP) / Accounts Receivable (AR) Clerk
Filamatic, a division of National Instrument LLC is a 70-year-old leading manufacturer of packaging machinery for pharmaceutical, cosmetic, biotech, and chemical specialty industries located in Baltimore, Maryland. Our success is attributed to exceeding our customers’ expectations by providing products and services which offer a superior value proposition, striving to create a great working environment for our employees and driving continuous process improvement initiatives.
The culture at Filamatic is built on our shared core values – ethical, team-oriented, continuous improvement, trust, golden rule standard (we treat others as we want to be treated ourselves), excellence (we strive for excellence individually and expect the same from our colleagues and support our employees to improve their skills and talents), customer centric and a healthy and safe work environment. If you are interested in making an impact with a growing company and want to share ideas and help build a world class organization this is the company to join.
Why Work for Filamatic
- Highly engaged workforce committed to solving customer problems.
- A company that values their employees.
- A company that promotes a culture of support, open communication, and teamwork.
- Experienced handling and metering most liquids used in the diagnostic, biotech, and cosmetic industries.
- A respected and well recognized name for manufacturing durable machinery that is made in the U.S.A.
- Leadership that is committed to the development of the employees.
- Leadership that is passionate about continuous improvement and growth.
- Employees that possess expert knowledge in their fields.
- A company that believes strongly in supporting the community through local charities.
- Health, Dental, Vision, Life Insurance, and 401K
- 10 paid holidays per year
- Tuition reimbursement
- Work life balance
- Coaching and mentorship
- Health Savings Account
- Employee Assistance Program
- Recognition program
- Career development training
- Employee referral bonus
Checks and verifies cost accounting, account payable records, prepares invoices and vouchers, types, files, posts ledger and general journal entries, and/or balances accounts payable and accounts receivable records. Uses office-automated systems to input data, generate reports, conduct specialized research projects and respond to inquiries. May reconcile difficult accounts. May maintain a complete and systematic set of transactions in a specific phase of accounting. Reports to Director of Accounting & Finance and is located in Baltimore, Maryland.
- Match accounts payable invoices to open inventory receiving.
- Match credit memos to open returns to vendor.
- Process miscellaneous payable invoices without purchase order.
- Work with internal employees to resolve receiving issues and contact suppliers regarding billing discrepancies and credits.
- Monitor vendor statements for errors, unprocessed invoices and payments.
- Prepare payment report, process payable check run and submit for approval and signature. Mail payments to suppliers and file copy of check with the invoices paid.
- Make general journal entries to support the general ledger control system.
- Review invoices for complete and accurate reporting of sales tax.
- Prepare and provide supporting documentation to assist in the preparation of monthly financial statements, annual audits, and tax filings.
- Download credit card transactions, verify supporting documentation, coding, and required approvals.
- Process wire payments to suppliers for advance payments and record in accounting system.
- Track and reconcile advance payments once items are received. Enter invoice to clear advance and apply to advance payment already in the accounting system.
- Smaller function of invoice entering and check writing within QuickBooks for other entities owned by company.
- Documenting new suppliers and getting W-9 forms to meet compliance. Creating and mailing 1099’s annually.
- Reconciling general ledger accounts for received goods not invoiced, advance payments and accrual accounts monthly.
- Prepare weekly cash activity report showing deposits and deductions from cash account.
- Generate Invoices and billing of customer sales orders.
- Enter the invoices into online portals for specific customers.
- Reconcile shipping documents to the original customer order, review discrepancies and initiate corrective actions if necessary.
- Process credit card payments from customers.
- Process Remote Check Deposits daily.
- Retrieve daily banking information from bank website.
- Enter and post customer receipts and resolve discrepancies of under or over payments.
- Prepare weekly reporting of past due customer balances and actions taken, which is discussed with management.
- Drafts correspondence for standard past-due accounts and collections, identifies delinquent accounts by reviewing files, and contacts delinquent accountholders to request payment.
- Prepare customer statements and deliver monthly.
- Block customers for nonpayment and monitor blocked customer report.
- Initiate and monitor unclaimed property for reporting to various states and refunding to customers.
- Reconciling general ledger accounts for shipped but not invoiced, customer deposits and accounts receivable monthly.
- Other duties as assigned.
Education and Experience
- An Associate’s Degree or equivalent work experience with a strong emphasis on personal integrity
- Minimum of two years’ experience in an automated accounts payable, accounts receivable and general ledger environment.
- Note: This position has access to cash and other financial assets; therefore, initial and or random background checks will be conducted on all applicants and incumbents.
Required Knowledge, Skills, and Abilities
- Effective communication skills.
- Knowledge of Microsoft Word, Excel, and Outlook.
- Ability to learn computer systems quickly.
- Ability to anticipate work needs and interact professionally with customers.
- Excellent organizational skills and attention to detail.
- Ability to work and solve problems independently.
- Ability to work individually and with a team.
National Instrument dba Filamatic is an equal opportunity employer. National Instrument dba Filamatic does not discriminate in employment with regard to actual or perceived race, color, creed, religion, national origin, citizenship status, ancestry, age, sex or gender (including pregnancy, childbirth, related medical conditions and lactation), gender identity or expression (including transgender status), sexual orientation, marital status, military service or veteran status, disability, protected medical condition as defined by applicable state or local law, genetic information or any other characteristic protected by applicable federal, state or local laws and ordinances.
4119 Fordleigh Road
Baltimore, MD 21215-2292
For more information, please visit www.filamatic.com.
Please see our careers page for more FILAMATIC job opportunities.


Highlands Natural Resources plc is a UK registered investment vehicle focused on acquiring oil and gas assets which are commercial at current oil prices. The Company, established in November 2014 by highly experienced oil and gas and financial professionals, listed on the London Stock Exchange in March 2015.
The aim is to build a platform from which to acquire opportunities in the oil and gas sector by leveraging the team’s experience and connections in the industry and international financial markets. It is envisaged that there will be a distinct production bias to the portfolio.
The Company was established to take advantage of volatile conditions in the current oil and gas market. The Board believes that, in particular, the current price weakness in oil and oil and gas company shares will present the Company with pursuable value opportunities, the likes of which have not been obtainable for some time.
Primarily utilising its extensive network, the Board aims to identify oil and gas assets which it believes fit its investment criteria. These targets will then be evaluated by the Advisory Board who will provide a further recommendation on suitability. Each member of the Advisory Board brings expertise in fields relevant to the Company’s aims, offering in particular, knowledge of acquisitions, divestments, petroleum engineering, geology, and oil drilling technologies.
The assets being sought will primarily be in production although some exploration projects will also be targeted. The aim is to establish a substantial oil and gas company with a portfolio blend that allows for the careful management of risk while providing significant upside to investors.


Point Carbon analysts have cut their EUA price forecast for 2016 to €30, down from €33 previously.
The 9-per cent downwards revision on Point Carbon’s June forecast for EUA prices is due to an expected increase in renewable generation in Europe, analysts at Point Carbon said on Tuesday.
Over the summer, member states submitted their renewable action plans to meet the EU’s 2020 renewable targets, which led the analysts at the Oslo-based consultancy to revise their power emissions forecasts for the bloc.
Higher generation from low carbon renewable sources will displace generation from carbon intensive power sources, cutting emissions and reducing demand for carbon allowances (EUAs), the analysts said in a statement.
“Predicting how much renewable generation will be built, which impacts by how much emissions will drop and what price will be paid for EUAs, is an imprecise science,” said Kjersti Ulset, head of European carbon analysis at Point Carbon and author of the report.
However, if renewable growth continues as today, under a 20 per cent emissions reduction target, Point Carbon estimates a shortage of 2.5 billion EUAs for the 2008-20 period of the EU emissions trading scheme (ETS).
This shortage increases to 4.9 billion should EU leaders decide to deepen the bloc’s overall emissions reduction target from 20 to 30 per cent under 1990 levels by 2020.
Should the EU stick with its 20 per cent target, the analysts project EUA prices in a €15-28 range for 2016.
But if the EU decides to up its emission reduction target to 30 per cent, the EUA price range forecast is increased to €30-50.
“Point Carbon expects that the final (emission reduction) target will be 25 per cent as there is strong opposition within the EU to increasing the target and progress has been slow in terms of the international negotiations,” the report said.
The analysts arrive at the €30 per tonne price for EUAs in 2016 after weighting the forecast according to the probability of each emissions reduction scenario.
By 1130 GMT, the EUA for December delivery was valued at €14.70 on the European Climate Exchange.
Sceptre Group Limited is a specialist investment firm focused in low carbon financial investments such as sustainable biofuel plantations, agricultural farmland and green technologies.
Sceptre Group’s talented team of professionals will be happy to talk through all investment opportunities with you and build a winning portfolio for the future.
For more information, visit our website: www.sceptreinternational.com


What Is Probate Administration and Why Is It Necessary?
Probate administration is the process of proving to a probate court that a will is valid. If a person dies and leaves a will, then probate is required to ensure that all assets are distributed as the decedent intended. If someone dies without leaving behind a will, then probate is necessary for gathering all of their assets, paying off any debts and taxes, and distributing what’s left to inheritors. It may also be necessary if a will names a beneficiary for a certain account, but the beneficiary passed away before the owner of the account amended the will.
How the Process Works
The first step of the probate process is to file a petition with the probate court to either admit the will to probate or, if there is no will, to appoint an administrator of the estate. Heirs, beneficiaries, and creditors will be notified of the beginning of the proceeding. Next, there will be an inventory of all the decedent’s real property, investments, business interests, and any other assets. An independent appraiser may be brought in to appraise non-cash assets. Any creditor who wishes to make a claim on assets will have a timeframe in which to do so. After all the assets are inventoried, any estate and funeral expenses, debts, and taxes will be paid from the estate. In some cases, non-cash assets may be sold to satisfy the decedent’s financial obligations. Finally, the remaining assets will be transferred according to the will, or if there is no will, then under Illinois’s intestacy succession laws.
How to Avoid Probate
Though it may sound intimidating, the truth is that probate administration is a fairly routine process that is streamlined and inexpensive. Even so, some wish to avoid probate altogether. This can help to protect the privacy of the deceased, reduce legal fees, and possibly avoid the estate tax, which can take a considerable chunk from a very wealthy estate. Creating a revocable living trust is the most popular way to avoid probate. Assets are placed in the trust but are available to the trust creator during their lifetime. At the time of their death, all assets in the trust are passed to the trust beneficiaries.
Contact Our Office Today!
There’s a lot of confusion and misinformation surrounding wills, trusts, and probate administration. At Levo-Donohoo LLC, we help you wade through the jargon and weigh your options, ensuring that your assets are distributed according to your wishes and that the process goes as smoothly as possible.


Interpublic discloses stake in Facebook
By David Gelles in New York
Published: April 3 2011 23:16 | Last updated: April 3 2011 23:16
Interpublic, the advertising group, has emerged as an unlikely beneficiary of the surging value of Facebook.
The company owns a stake in the social network that is today valued at somewhere between $200m and $300m, depending on Facebook’s valuation and the actual size of the stake.
The exact figures have not been disclosed, but people close to Interpublic say it owns slightly less than a half per cent of Facebook, and paid less than $5m for it in 2006.Interpublic, which owns McCann Erickson and other agencies and is led by chief executive Michael Roth, secured shares in what was then an emerging site mostly popular with university students.
Investments by an advertising group in a social network are rare, but Interpublic won the privilege by committing to spend $10m for its clients on Facebook, an early win for a social network seeking to bolster its image with advertisers.
The position in Facebook is not that substantial compared with Interpublic’s overall revenues, which totalled $6.53bn last year. But the value of the stake is welcome for the group, which is recovering from a tough few years during the recession, and has become large enough for Interpublic for the first time to report it in a filing with the US Securities and Exchange Commission.
“From time to time, we make investments in privately held companies that we believe may be of interest to the advertising and marketing sectors,” the company wrote in its annual report for December.
“Certain of these investments, the most significant of which is Facebook, have significantly appreciated compared to their cost, but there can be no assurance as to the terms on which we would be able to dispose of any such investments.”
When Interpublic took its stake in Facebook, the social network was valued at between $1bn and $2bn. Just a year later, however, Microsoft invested $240m in Facebook at a $15bn valuation.
But as Facebook’s valuation soared last year, thanks to robust trading on the secondary market, Interpublic realised it was sitting on a substantial stake, and was compelled to disclose it to the SEC.
Based on a valuation of $50bn, an Interpublic stake of 0.4 per cent would be worth $200m. In recent weeks, however, Facebook has been valued at up to $85bn on the secondary market.
Copyright The Financial Times Limited 2011. You may share using our article tools. Please don’t cut articles from FT.com and redistribute by email or post to the web.


Gifts of cash are the simplest way of making a gift. Donors may also make a pledge when contacted by a volunteer or during one of our phonathons. They will receive a remittance envelope with their appeal and can use it to send a check to the School.
Credit Card Gifts
Donors may also use a credit card (Visa or Mastercard) to make a gift. They may fill out the remittance envelope with their gift amount, credit card number, expiration date, and the name on the card and return it to the school. They may use our Online Giving Form. They may also make a gift by telephone by calling the Development Office at 610-827-7222 with their credit card information.
Gifts of Appreciated Securities
Donating appreciated securities to Montgomery School (stocks, bonds and mutual fund shares held for at least one year and a day) is a tax-advantaged way to make a gift and can be done easily. To insure the proper crediting of stock gifts, donors should call the Development Office with the details of their gift and to obtain transfer instructions.
Corporate Matching Gifts
Many corporations have established programs whereby the company matches or multiplies donations made by active and sometimes retired employees. Any individual whose donation generates a matching gift will receive additional credit for that amount.


We have a great summer ahead of us. I want to announce a new program I created that partners with the six schools located in the City of Isanti, known as Painting Plow Blades. City staff will clean-up our City plow blades and drop one at each of the schools where teachers incorporate painting them into their Arts Program. We will display the plow blades at our Celebrate Isanti Day on August 11. I am excited to see what the students will create! Make sure you check the Community Event section on page 11 to see all the great activities that are available this summer. Please do not forget that Redbirds Baseball games, soccer games, and BMX races are all free to the public to attend.
We are hosting the 11th Annual Mayor’s Employer Celebration Day on June 19. On this day, we take time to celebrate all of our Employers and Employees in the City and their great contributions. We have increased total net employment in the City from 1,377 in 2009 to 1,928 in 2017; while increasing total net businesses from 123 to 182.
We have experienced significant growth in our City the past couple of years. This has raised questions regarding what will happen when growth slows down again. This is an excellent question, considering the boom of the early 2000s and the recession that followed. The City at that time made several unfortunate decisions that caused significant economic pain when the recession hit. The City had taken on a significant amount of debt and did not charge adequate developer fees to cover costs. This lead to total net debt ballooning to $9.1 million. This was a crushing amount of debt for a City our size. Another financial planning decision made was to base their decision on 130 new homes being constructed each year for 10 years. This inflated number lead to irresponsible decision making including large increases in spending and staffing. Another legacy cost was the inadequate, and in some cases, no capital replacement budgets to repair/replace City infrastructure. When the recession hit with the collapse of the housing market Isanti suffered the consequences.
When I was first elected Mayor, cuts were made to address the financial issues the City was facing. There were staff cuts as well as cuts in spending and difficult Union negotiations occurred to share more healthcare benefits cost so we could conserve cash and start paying down debt. I created our Development Impact List, Long Term Financial Plan, Long Term Infrastructure plan and 5 Year Cash Flow Analysis Tool. We are now basing our residential fiscal impact plans on 25 home starts per year. In the last four years, we have had 233 total home starts. This is equivalent to 9.3 years of financial benefit. This helps protect the City when construction slows down and allows us to keep moving Isanti forward. We were able to use these tools, and along with tough decisions, are able to make the following improvements:
Per Capita Income increased 77%
Median Household Income increased 54%
Median House Value is $35,550 higher than neighboring communities
Cut net debt from $9.1 million to $2.9 million, since being elected Mayor
Improved City Credit Rating from Baa1 (one step above Junk/Speculative rating) to
AA+ or High Quality
48% net increase in total number of businesses
Local jobs increased by 40%, since being elected Mayor
Received multiple Business Recruitment Awards from the Minnesota
Economic Development Association
Cut Sewer Base Fee 50%
Cut Water Base fee 25%
Cut SAC/WAC fees $2,500
Cut property tax rate 7% in 2018
Proposed City Property Tax cut of 10% for 2019
Isanti named 6th Safest City in Minnesota (out of 853 cities)
Added Patrol Officer and Police Investigator positions and Police Bike Patrol
Isanti School Resource Officer named #1 in the State
Improved Police equipment and technology
Won Drinking Water Quality Award
Won Blue Star Award for Protecting and Preserving Minnesota’s Water Resources
Fit City Designation
Green Step City
These improvements show that Isanti has overcome the obstacles of the past, and is now on a successful path moving forward. We truly are a “Community for Generations” and there is no better place to work, live or recreate than the City of Isanti.
If you have any questions, concerns or comments please contact me at 763-442-8749 or email me at George@georgewimmer.org . You may also follow me and keep up to date on all things Isanti on Twitter at twitter.com/mayorwimmer Facebook at http://www.facebook.com/MayorGeorgeWimmer or my blog at georgewimmer.org.


What are small value stocks?
Value stocks have different categories, and one of those is a small value stock. Other people refer to it as a small-cap value stock. These are shares with market capitalization and variation styles that intersect. If we are to name an example, we can include a stock that trades lower than its book value and a market capitalization lower than one billion dollars. It’s not an easy task to find a stock that has these two criteria. However, many people can’t deny that small value stocks have a reputation for bringing high yield returns.
The Fama and French’s three-factor model
Fama and French’s three-factor model states that small value stocks have two essential qualities. With all the things we have mentioned earlier, you may already know what they are: size and value. This model expands on the CAPM or capital asset pricing model through additional sizes and value factors to its market risk. It tells us that small-cap stocks will most likely outperform the markets. They will be over and above large-cap stocks regularly. But why? Generally, small stocks have massive chances for growth. They do not always get the attention of analysts. Hence, they do not get enough coverages. They are quick to develop and benefit from new technologies.
Small value stocks are not growth stocks.
Even though we are mentioning all of these, we do not consider them as growth stocks. So, this is more like an advantage for them if we are looking from a fundamental perspective, unlike growth stocks. Growth stocks may look promising, but in reality, they may not be profitable or have solid balance sheets. Growth stocks somehow have high valuations beforehand that come with positive expectations.
What sets small value stocks apart from small-cap growth stocks?
Small-cap stocks are constantly being confused with growth stocks and vice versa. However, these two are considerably different. Investors who have small-cap growth stock investments have chances to beat those involved with institutional ones. But why? Mutual funds come with restrictions. Hence, institutional investors can only buy limited portions of the company’s outstanding shares. On the other hand, small-cap stocks have a more petite float against large-cap stocks. For your information, float refers to shares that are available for trading. Mutual funds find it hard to buy a share percentage that goes beyond the restrictions. They can never inflate the share price. These are some reasons why many investors prefer small-cap value funds. They can directly buy fund shares that the manager already selected beforehand instead of selecting securities by themselves.
What have we learned so far about small-value stocks?
Fama and French’s three-factor model tells us that small value stocks have two essential qualities. These are small-cap size and their value. Small-cap stocks refer to companies with less than two billion market capitalization and trading at lower prices compared to the given valuation model. The valuation model details and the definition used are some factors that affect small value stocks. They are pretty rare and unusual in the investment world. It is almost impossible for analysts to miss out on great stocks or companies. Undervalued stocks with smaller market caps tend to have promising growth opportunities. However, they also come with risks of failure in the long run.


For many of us, pets are more than just animals; they’re beloved members of our families. We want the best for our furry friends, and that includes ensuring they receive top-notch healthcare when they need it. Pet insurance is a valuable tool that provides peace of mind, knowing that you can provide the best medical care for your pets without breaking the bank. In this comprehensive guide, we’ll explore the world of pet insurance, why it’s essential, how it works, and how to choose the right coverage for your four-legged family members.
The Importance of Pet Insurance
- Healthcare Costs: Just like humans, pets can experience accidents, illnesses, and chronic conditions that require medical attention. Veterinary care can be expensive, and pet insurance helps offset these costs, making it more affordable to provide essential healthcare.
- Quality Care: Having pet insurance ensures that you won’t have to make difficult decisions about your pet’s health based on financial constraints. You can choose the best treatment options recommended by your veterinarian without hesitation.
- Unpredictable Emergencies: Accidents and emergencies can happen at any time. Pet insurance prepares you for unexpected medical expenses, allowing you to act quickly to get your pet the care they need.
How Pet Insurance Works
Pet insurance operates on a reimbursement model, similar to health insurance for humans. Here’s how it typically works:
- Choose a Plan: Select a pet insurance plan that suits your budget and the specific needs of your pet. Plans can vary in coverage, deductibles, and monthly premiums.
- Visit Any Vet: Unlike some human health insurance plans that restrict you to a network of providers, pet insurance generally allows you to visit any licensed veterinarian or specialist.
- Pay the Bill: When your pet needs medical attention, you’ll pay the veterinarian directly at the time of service. Keep copies of your invoices and receipts.
- Submit a Claim: After the visit, you’ll submit a claim to your pet insurance provider. This can often be done online, and you’ll need to provide details about the treatment and associated costs.
- Reimbursement: Once your claim is processed and approved, the insurance company will reimburse you for the eligible expenses, usually a percentage of the total bill. Reimbursement rates can vary depending on your chosen plan.
Choosing the Right Coverage
Selecting the right pet insurance coverage is crucial to ensuring that your furry family members receive the care they need. Here are some key factors to consider:
- Type of Coverage: Pet insurance plans typically offer three types of coverage:
- Accident Coverage: Covers injuries resulting from accidents.
- Illness Coverage: Covers treatment for illnesses and diseases.
- Wellness/Preventive Coverage: Covers routine care such as vaccinations and annual check-ups.
- Deductible: The deductible is the amount you’ll need to pay out of pocket before your insurance coverage kicks in. Higher deductibles often result in lower monthly premiums, while lower deductibles mean higher premiums.
- Reimbursement Percentage: Different plans offer varying reimbursement percentages, typically ranging from 70% to 90%. Consider how much of the costs you want the insurance to cover.
- Coverage Limits: Some policies have annual or lifetime limits on coverage. Be sure to understand these limits, especially if you have a breed that is prone to certain health conditions.
- Exclusions: Familiarize yourself with any exclusions in the policy. Certain conditions or treatments may not be covered, so it’s essential to know what to expect.
- Age and Breed: Some pet insurance providers have age restrictions, and coverage may be more expensive for older pets. Additionally, certain breeds may have pre-existing conditions that affect coverage and costs.
- Waiting Period: Most pet insurance policies have a waiting period before coverage begins. Make sure you understand when your coverage starts after purchasing a policy.
Common Questions About Pet Insurance
- When Should I Get Pet Insurance?: It’s best to get pet insurance when your pet is young and healthy. Insuring your pet early can help avoid issues with pre-existing conditions and keep premiums lower.
- Can I Use Any Veterinarian?: Most pet insurance plans allow you to visit any licensed veterinarian or specialist. This flexibility ensures you can choose the best care for your pet.
- What Isn’t Covered by Pet Insurance?: Pre-existing conditions, cosmetic procedures, and some elective treatments are typically not covered. Be sure to review your policy’s exclusions carefully.
- Do Premiums Increase as My Pet Ages?: Yes, premiums often increase as your pet gets older. Additionally, certain breeds may have higher premiums due to breed-specific health risks.
- Is Pet Insurance Worth It?: The value of pet insurance depends on your pet’s health and your willingness and ability to cover unexpected veterinary expenses. It can be a financial lifesaver in emergencies.
Pet insurance is an invaluable tool that allows you to provide the best possible healthcare for your furry family members. It offers peace of mind, knowing that you can afford essential medical treatments and preventive care. When considering pet insurance, carefully review the coverage options, deductibles, and exclusions to choose the plan that aligns with your pet’s needs and your budget. Remember that pet insurance is an investment in your pet’s health and well-being, ensuring they receive the love and care they deserve throughout their lives.


Why does a business need to submit a tax return?
Whatever type of business you have, be it a sole trader, partnership or limited company, a tax return must be completed to declare your income to HMRC and let them know how much tax is due.
Unfortunately, not submitting your tax return on time can result in considerable penalties and interest being accrued by HMRC. This is why it’s so important to put arrangements in place early on to ensure everything is completed on time.
Another huge benefit to being organised with your tax affairs is that you will know how much tax is due in advance with a good amount of time to pay your balance to HMRC.
Completing your Tax Returns
Tax can be a very complex subject so, unless your tax affairs are very straight forward, it is almost always better to seek advice from a professional than attempt to complete your own tax return.
Some of the benefits of using safcom services to handle your tax affairs are:
- Peace of mind. By using professionals you know that your tax calculations will be correct and accurate.
- Investigations. You are less likely to be investigated by HMRC if you use an advisor, as HMRC have ways of knowing if figures submitted on a return are likely to be incorrect. This is a common trigger for a tax investigation.
- Save time. In most cases it will take you a lot longer to complete your own tax return than it would for an advisor. This time could be better spent running your business!
What is the process?
When asking us to complete your tax return we are not just form filling for you, there is a great deal more to it than that. We start by ensuring that your accounts are complete and correct, as the information contained within your accounts is used to form the basis of the tax calculation.
Once we are happy that the accounts are correct, we will take a holistic view of your tax situation (that is, we won’t just look at your business income) and make recommendations that we think could decrease the amount of tax you will have to pay to HMRC. You will then be sent a copy of the tax return/tax calculation to have a look over before any submissions are made.
Once everyone is happy, we will submit your return to HMRC. We can also help you with the payment of your tax as well, as there are many different methods and deadlines when making payments.
This comprehensive service ensures that the correct and minimum amount of tax is being paid and will mean that, should HMRC ever decide to look into your tax affairs, you have nothing to worry about!
How much does all this cost?
To see exactly what we include and to get an instant personalised quotation please use the link below. You won’t be disappointed!


IPO stands for Initial Public Offering, which is the first time that a company’s shares are offered to the public for purchase on a stock exchange. In an IPO, a company sells a portion of its ownership to the public in the form of shares, and in exchange, it raises capital to fund its growth initiatives or to pay down debt.
The process of going public and conducting an IPO typically involves a number of steps, including preparing financial statements and prospectuses, selecting investment bankers to underwrite the offering, and marketing the offering to potential investors. After the IPO is launched, the company’s shares are listed on a stock exchange, and investors can buy and sell the shares on the open market.
The benefits of an IPO for a company include increased access to capital, greater visibility and credibility in the market, and the ability to use its shares as currency for mergers and acquisitions. However, the process of going public can also be expensive and time-consuming, and it can expose the company to greater regulatory scrutiny and shareholder pressure.
For investors, an IPO can be an opportunity to participate in the growth potential of a new company and potentially realize a return on investment through capital appreciation or dividends. However, investing in an IPO can also be risky, as the company may be unproven or subject to a high degree of uncertainty. As with any investment, it is important to conduct thorough research and exercise caution when investing in an IPO.


Paying for brake repair in Austin and San Antonio is now more affordable than ever! Brakes To Go is proud to offer three financing options: Snap Finance, Square Installments & Synchrony Car Care. With three unique financing options, you have the flexibility to pay for Brake Services your way.
Scroll down or click an option below to learn more!
Snap Finance is an independent loan service who understands that big purchases, like brake repair, may not come at an opportune time. Snap Finance helps you pick a payment solution that fits your financial needs, without leaving a mark on your credit score. Approving over 80% of applicants, regardless of credit or bankruptcy history, Snap Finance can offer you up to $3,000 to use towards your brake repair! The Snap Finance application process is simple:
Complete the easy, 3-step online
application – no paperwork needed.
Once you’ve been approved, you will be contacted by a Snap Finance merchant, who will discuss your loan options and the financing amount you have been approved for.
Use your approved amount to pay
for your next brake repair!
Square Installments is a payment option that allows you to pay for your brake repair in monthly installments. Payment plans can be used for purchases ranging from $250 to $10,000, and you can choose to pay over three, six, and 12 months. Annual percentage rates will vary from 0 to 24 percent APR based on what you choose and your credit history. The Square Installments application process is simple:
Apply online by answering a few simple questions to see if you’re eligible.
Choose a plan that’s right for you. What you see is what you pay. No hidden surprises.
If approved, you’ll instantly get a digital card to pay for your brake repair purchase.
Synchrony Financial makes paying for brake service easier with their Car Care One Credit Card. Partnered with thousands of retailers across the United States, Synchrony lets you consolidate all your brake repair and maintenance expenses into one monthly payment.With Synchrony Car Care One Credit Card, you can:
Get a credit decision
Pay no interest on your brake repair purchases if paid in full within 6 months on purchases of $199 or more.
Use it at over 25,000 gas stations and auto service centers nationwide
One of our Brakes To Go ASE Certified technicians will come to your vehicle, wherever it is located, with all necessary parts and equipment. After diagnosing your car’s problems, we will explain your service options, and then replace only those components you authorize. The price you’re quoted includes all parts and labor; there are no hidden fees at Brakes To Go. All brake parts that we use are the highest quality sold by our supplier and specified for your vehicle.


The owners of vehicles with registered gross weight equal to or exceeding 55,000 pounds need to pay a tax called Heavy Vehicle Use Tax (HVUT) for using public highways. The HVUT would be proportionate to the gross weight of the vehicle and the load carried. The gross weight of the vehicle would be the addition of the weight of the motor vehicle & the trailers when empty. The load carried would be the maximum of the load carried through the vehicle and the trailers.
If you are owning a heavy vehicle with gross weight equal to or exceeding 55,000 pounds, you need to report HVUT through IRS Form 2290 and Schedule 1. The reporting would be for the tax period: July 1 of the existing year to June 30 of the following year after the first use of your vehicle under State, District of Columbia, Canadian or Mexican Law.
Get ready with your Trucking Company Details, Vehicle Details, Bank Account Details, etc.
The deadline to file Form 2290 is August 31st. That is, two months after the tax period between July 1 of the previous year and June 30th of the current year ends. If you are yet to report a vehicle you are using, start doing it from the month following the month of first use. For example, if your new vehicle is registered in January for first use, start reporting HVUT from February. You need to cover months up to the due date, that is, August 31st.
There are two methods to file form 2290: Electronic and Paper.
File your Form 2290 electronically along with the HVUT payment through any intermediate service providers of the IRS e-file program for excise taxes, such as ExpressTruckTax.com, or through any electronic return originator (ERO), transmitter etc. Visit www.irs.gov/trucker to get the list of the IRS e-file providers.
The e-file provider authorized by IRS, ExpressTruckTax, supports Form 2290, Form 8849 and Form 2290 Amendments. To learn more click here
To report HVUT through the paper, file Form 2290 with Voucher Form 2290-V to fill the details of check/ money order through which the tax is paid.
You need to mail your Form 2290 with Voucher Form 2290-V to:
Form 2290 with full payment:Internal Revenue Service,
Form 2290 without payment due or using EFTPS for payment:Department of the Treasury,
On paying and reporting HVUT for your vehicle after August 31st, you would face a penalty for every month up to 5 months of 4.5% of the total tax due. For being late in both paying and filing your return, you have to pay an additional monthly penalty of 0.5% of the total tax due along with an extra interest charge of 0.54% per month for the tax due.


Senior Investment Analyst
Rohit has over 16 years of total experience with over 14 years in the investment industry having covered the Indian Telecom, Consumers and IT services sectors as a sell-side analyst at Kotak Institutional Equities. Rohit was consistently ranked amongst the top analysts in both his lead coverage sectors in polls conducted by Institutional Investor and Asia Money. Prior to his sell-side stint, Rohit spent a couple of years working with Ameriprise Financial as a financial analyst on areas like competitive intelligence and cost reengineering.
Rohit holds a Post Graduate Diploma in Management from IIM Calcutta and a B.E. (Honours) degree from BITS, Pilani.


Study finds churchgoers spend less money
New research has suggested that churchgoers are more frugal than other shoppers.
American psychologists from universities in Massachusetts and Pennsylvania found that Christians count their pennies when it comes to grocery shopping and also make fewer impulse purchases.
The researchers said the findings support the notion "that many religions emphasise the value of being prudent with money."
John Morris from Christian financial advisors firm the Harvest Partnership told Premier's News Hour being frugal can be helpful.
"Financial prudence is something we can all learn from and all benefit from, because in the end the household budget is what it is," he said.
"We have to be very wise in our spending and determine what we should spend our money on.
The resources that the Lord has given us are for us to have control over and use according to his will and also to meet the needs of our family."
However, he said it's possible to go overboard with being too penny-wise.
Morris added: "Some people who are wealthy are tight. They don't give very much away and they're very, very careful with their expenditure and I don't think that's automatically good. "
The study surveyed 2,400 shoppers in ten states.


Professional Coding Auditor/Consultant
PYA is seeking a Professional Coding Auditor/Consultant to join its high-performing and privately-owned firm with a dynamic culture and a strong national reputation. This individual will be a part of PYA’s Compliance Advisory Services.
Responsible for the accurate coding auditing of physician and non-physician practitioner documentation using current coding guidelines, with attention to Medicare, medical necessity, NCD, and LCD requirements. Professional coding auditing expertise in multiple specialties is required, and expertise in facility inpatient and outpatient coding methodologies is preferred.
The Consultant will assist PYA clients with provider documentation improvement, reviews for billing and other regulatory compliance with third-party payers, revenue cycle management, as well as reimbursement methodology advisory support.
- Current credential of CPC/CCS-P or related professional credential required
- Strong understanding of and experience in auditing for compliance with 1995, 1997, and 2021 E/M Guidelines required
- Additional credentials such as RHIT, CCS, FACHE, CMPE, or CPMA, desirable
- Physician financial reimbursement and revenue cycle understanding is preferred
- Knowledge related to post-acute coding and billing (SNF, Home Health, Palliative Care, Behavioral Health) is a plus
- Experience presenting to physicians and other healthcare providers preferred
- Professional services firm experience desired
- Ability to work in a fast-paced, high-volume coding audit (5-7 encounters per hour average expected) environment with a team, which expects high-quality deliverables and accuracy to clients
- Superior communication skills, both oral and written
- Excellent project management skills
- Traits that include: detail-oriented, flexible, and responsive
- Openness to feedback
Serving clients in all 50 states from offices in Atlanta, Helena, Kansas City, Knoxville, Nashville, and Tampa, PYA is consistently ranked by Modern Healthcare as one of the Top 20 healthcare consulting firms in the U.S. and by INSIDE Public Accounting as one of the nation’s “Top 100” Largest Accounting Firms. PYA also was named one of America’s Best Tax and Accounting Firms of 2022 in the Forbes annual list, and Accounting Today highlighted PYA as “One of the Most Successful Firms in the Country.”
This success is the result of almost four decades of steadfast adherence to a culture of integrity, responsiveness, and relationships – both with clients and teammates.
Learn more at pyapc.com.
Instructions for Resume Submission:
Call Catie Scott, Director of Talent Acquisition, at 404-799-4231 or email resume to firstname.lastname@example.org.


They’re much more than just tokens of appreciation. They’re tokens that keep the community going.
It’s no secret: caregivers aren’t paid enough for their work. The bulk of caregiving tasks fall into the hands of women, many of whom are mothers and must balance careers on top of their own caregiving responsibilities.
But why is such a critical component to collective wellbeing historically overlooked and underpaid? Where would we be without the people who educate our children, nurse our elders and feed our communities?
Abulé is here to shift the narrative surrounding caregiving and compensation. We help caregivers amass wealth to make up for all the lost years at work. We do so through the trading of$CARE tokens.
So, what is a $CARE token, anyway? In this article, we’ll give you a full breakdown of what they are and how they work, including:
$CARE tokens are tokens that are used to trade or pay for services on the Abulé platform. Earned tokens may be used within the platform or cashed out as extra income. Think of them as the currency exclusively built for the Abulé community. One $CARE token equates to $5. $CARE tokens can be bought using standard dollar currency or with cryptocurrency. If you’re curious about how to connect your cryptocurrency wallet to the Abulé platform, you can check out this article here.
$CARE tokens help buyers and sellers trade value within the ecosystem. They can be used in a variety of ways. For starters, you can use your $CARE tokens to pay for caregiving services. You can send caregivers $CARE tokens from directly inside the Abulé platform. Tokens can also be used to pay for community activities. If you like, you can also exchange $CARE tokens for cash.
Ultimately, Abulé community members are rewarded for helping others with $CARE tokens, enabling the under-economy of caregivers to amass wealth.
As the first care economy on blockchain, Abulé is committed to leveraging cutting-edge technologies that empower strong, independent communities. Together, we’re building the future of decentralized care – and we want you to join us. To learn more about how cryptocurrency and the blockchain will play a future role in the village, check out this article.
Still have questions? Get in touch with us! Our team is happy to help.


Giving to the Eliot Church
The Eliot Church conducts an annual pledge drive to support the church mission and operating budget.
There are two main ways that you can donate to the Eliot Church...
1. Make a pledge to the church by contacting the Assistant Treasurer at firstname.lastname@example.org. You can then fill this pledge either by...
- Completing a form to automatically pay by credit card, debit card or electronic funds transfer from your checking account. The Assistant Treasurer will provide this form.
- Paying by check (on a one-time or ongoing basis)
- Paying by cash (you will be given envelopes to deposit in the Sunday collection).
2. Transfer securities to the church. In many cases, gifting of appreciated securities may offer favorable tax treatment. Please contact the Treasurer of the church for details and a sample letter: email@example.com
The church will track your contributions and will provide documentation for tax purposes. All donations are fully tax deductible.
Thank you for your support - every donation makes a difference to our Church!
Eliot Church Endowment Fund
The Eliot Church Endowment Fund exists as an entity separate from the Church (managed by a Committee elected at the Church Annual Meeting). The purpose of the Endowment Fund is to assure the long term success of the Church.
Surpluses in the Church operating budget may be directed to the Fund. More commonly, income/appreciation from the Fund is distributed to the church to be used as part of the operating budget. The principal of the Fund, however, will always be preserved and used only for emergencies or special purposes that will contribute to the growth and sustenance of the church (for example, real estate purchases).
Members and friends of the Church are strongly encouraged to consider a planned gift such as providing for the Fund in your will or naming the Fund as a life insurance beneficiary. The continued existence of the Eliot Church can be part of your legacy.
Of course, the Fund also accepts current donations: this is an excellent use of appreciated stock.
Please contact Ben Bailey, Chairman of the Endowment Committee for information.


Rachel has been working as an entertainer since she was 5-years-old. She has grown up performing and entertaining via music and film, and will continue to do so for the rest of her life. Rachel and her band, No Babies No Bullets have played at different music festivals and venues through the West Coast, including Sundance Film Festival 2015, NAMM, The Viper Room and others. She has also worked on films and television shows with Daniel Craig, Naomi Watts, Patricia Arquette, Daryl Hannah, Michael Chiklis and many more.
She became involved with investing and trading at 15. Before trading, she was looking for ways to grow her savings and become financially independent at a young age. Her parents were very financially aware and infused that into her life early on. At 15, Rachel began researching how to invest and trade on the Internet. She opened her first joint online trading account with her parents, started with stocks, and 3.5 years later, she is currently trading stocks, futures and options successfully.
Since Rachel was home-schooled for high school and finished early, she began blogging about finance and investing to continue while in-between working on sets and playing music. Her blog is read by people both young and old who want basic answers to their finance questions and want to start investing. Rachel was on CNBC, YahooFinance and Fox Business to discuss Fox on Stocks and trading as well as named one of Time Magazine's 25 Top Most Influential Teens of 2014.
When she's not trading, she loves to travel, run and play music.


What we do
NSW Financial Inclusion Network
The NSW Financial Inclusion Network is a policy think tank concerned with financial inclusion.
We aim to influence policy discussions to create a more financially inclusive future for New South Wales.
The network is a state-wide focused coalition, bringing together deeply invested key stakeholders across several sectors to collaborate on financial exclusion issues, identify potential solutions and persuade state policy makers to act on the issue of financial exclusion.
The network’s members are based all over the state and is facilitated by leading partner Northern Rivers Community Gateway.
Financial inclusion coordination
Northern Rivers Community Gateway is funded to implement the New South Wales Financial Inclusion Program. This program promotes and supports financial inclusion services throughout the state by:
- Developing and exploring financial inclusion strategies, resources and products that:
- can be delivered or accessed by funded NGO’s and
- support NGO’s to undertake effective financial conversations with a view to improving client financial behaviour.
- Providing strategic advice to NSW Fair Trading on financial inclusion.
- Link funded services and microfinance services to financial inclusion strategies and products.