Jetson AI Inc. Announces Reg. CF Private Placement Offering
NEW YORK, NY [07/30/2019] -- Jetson AI Inc. is pleased to announce the launch of a private placement offering in accordance with Regulation Crowdfunding (Reg. CF) adopted by the U.S. Securities and Exchange Commission (SEC) through MicroVentures.
About Jetson AI, Inc.: Jetson AI was founded in 2017 as a voice-first SaaS platform designed to enable businesses to sell their products and services through intelligent voice technology such as Amazon Alexa and Google Home. Jetson’s technology was created to facilitate multi-step conversations and secure transaction processing between AI voice assistants and consumers.
About MicroVenture Marketplace, Inc.: MicroVenture Marketplace (“MicroVentures) is a registered broker/dealer and member of FINRA and SIPC. MicroVentures offers the sale of private placements in early and late stage companies in various industries, facilitates secondary transactions in private companies, and serves as a crowdfunding intermediary in accordance with Regulation CF. Please visit https://microventures.com for more information. A crowdfunding investment involves risk, including illiquidity, potential loss of principal, and dilution. In making an investment decision, investors must rely on their own examination of the issuer and the terms of the offering. The securities offered have not been recommended or approved by any federal or state securities commission or regulatory authority.
This crowdfunding offering is selling Crowd Notes to raise maximum offering proceeds of $107,000 with a minimum investment of $100. We currently anticipate closing this offering on September 23, 2019. More information on this offering can be found at: https://app.microventures.com/crowdfunding/jetson-ai?referral_code=JAIEC72619
Jetson AI Inc. (Jetson or the “Company”) is a voice-first SaaS (Software as a Service) platform that aims to upgrade the smart speaker and voice assistant experience with greater intelligence. It provides artificial intelligence (AI) technology for businesses to use or integrate into their own systems to process voice ordering through smart speakers such as Amazon Alexa and Google Home.
The company currently offers two versions of its technology, Jetson and Jetson Enterprise. Jetson is the base version of the voice technology that comes in the form of a self-service dashboard. Jetson’s Enterprise offering provides clients with licensing and integration of its tools into existing client operations. The company’s technology is platform agnostic and currently can be integrated with communication channels such as Alexa, Google Home, Slack, SMS Text, and mobile apps.
Jetson has secured a contract with GolfPay to process voice orders for tee-time reservations and has several letters of intent (LOI’s) with companies such as Blue Chip Marketing (on behalf of a large consumer goods company) and Volara (a hospitality software solution used by Marriot). Jetson has also partnered with Amazon Pay through its Global Partner Program as well as Delivery.com, an online platform for on-demand food delivery from local restaurants.
The company previously raised ~$1.3 million from angel investors to build out its patent-pending voice technology and build a pipeline of business leads. The company plans to use the proceeds from this round of financing to add more product features and increase its sales and marketing efforts as it looks to onboard more customers and increase transactions processed through its system.
Please refer for more information at: https://app.microventures.com/crowdfunding/jetson-ai?referral_code=JAIEC72619


In today’s digital age, businesses are increasingly relying on technology to streamline their operations, enhance efficiency, and gain a competitive edge. One such innovation is cloud QuickBooks hosting, a revolutionary system that has transformed the way accounting processes are managed.
Gone are the days of businesses struggling with traditional accounting software and the limitations of physical servers. With cloud QuickBooks hosting, organizations can now enjoy seamless access to their financial data from anywhere in the world, with just an internet connection and a device.
So, what exactly is cloud QuickBooks hosting? Simply put, it is the practice of hosting the popular accounting software, QuickBooks, on remote servers rather than installing it on a local computer or server. This approach ensures that businesses can access and work on their accounting data securely and efficiently, eliminating the need for costly in-house infrastructure.
Cloud QuickBooks hosting offers numerous advantages that revolutionize accounting practices. Firstly, it allows businesses to collaborate effortlessly. Multiple users can access the same dataset simultaneously, making it easier for teams to work together and share real-time updates, regardless of their physical locations.
Moreover, cloud hosting provides unparalleled flexibility and scalability. Businesses can easily scale up or down their accounting requirements, depending on their changing needs. Whether it is adding more users, increasing storage capacity, or integrating additional applications, cloud QuickBooks hosting caters to these demands seamlessly, without any disruption to daily operations.
Data security is a paramount concern for any business dealing with financial information. Cloud QuickBooks hosting addresses this concern with robust security measures. Service providers implement advanced encryption techniques, multi-factor authentication, and regular backups to safeguard financial data, minimize the risk of data breaches, and ensure compliance with industry regulations.
Additionally, cloud QuickBooks hosting offers automatic software updates. Gone are the days of manually downloading and installing patches and updates. With cloud hosting, the software is regularly updated, ensuring that businesses have the latest features and security enhancements without any hassle.
The cost-effectiveness of cloud QuickBooks hosting cannot be overlooked either. By adopting this technology, businesses can eliminate the need for expensive IT infrastructure, maintenance, and upgrades. Instead, they can subscribe to a hosting plan, tailored to their specific requirements, paying only for the resources they use. This eliminates large upfront costs and enables businesses to allocate their budgets more effectively.
In conclusion, cloud QuickBooks hosting has revolutionized the accounting landscape, offering businesses unprecedented flexibility, scalability, and collaboration opportunities. With enhanced data security, automatic updates, and cost-effectiveness, it is no wonder that an increasing number of organizations are turning to this technology. Embracing cloud QuickBooks hosting opens up a world of possibilities, allowing businesses to focus on their core competencies while leaving accounting processes in the hands of cutting-edge technology.
Understanding Cloud QuickBooks Hosting: Exploring Ways, Tips, and Advantages
Cloud QuickBooks hosting has revolutionized the way businesses manage their financial operations. With its convenience, flexibility, and enhanced security, it has become increasingly popular among organizations of all sizes. In this article, we will delve into the concept of cloud QuickBooks hosting, explore various ways and tips to optimize its usage, and highlight the numerous advantages it offers to businesses.
What is Cloud QuickBooks Hosting?
Cloud QuickBooks hosting refers to the practice of hosting the renowned accounting software, QuickBooks, on cloud servers rather than on local systems. This remote hosting enables businesses to access and utilize QuickBooks via the internet, offering a range of benefits that traditional on-premises installations cannot provide.
Ways to Optimize Cloud QuickBooks Hosting
1. Choose a Reliable Cloud Hosting Provider:
When it comes to cloud QuickBooks hosting, selecting a reputable hosting provider is crucial. Ensure the provider offers comprehensive security measures, reliable customer support, and efficient data backups to guarantee smooth operations.
2. Collaborate Effectively:
Cloud QuickBooks hosting allows for seamless collaboration among team members. Make the most of this feature by encouraging employees to use shared folders, real-time updates, and commenting functions to enhance productivity and streamline communication.
3. Monitor Usage:
To optimize cost and performance, keep track of your cloud QuickBooks usage. By monitoring the number of users, their privileges, and the resources consumed, you can adjust your hosting plan accordingly, ensuring maximum efficiency and cost-effectiveness.
4. Regularly Update QuickBooks:
Cloud QuickBooks hosting providers often release updates and new features. Stay up to date with the latest versions to benefit from enhanced functionality, improved security, and bug fixes. Regular updates will also ensure compatibility with other software and systems.
Tips for Efficiently Using Cloud QuickBooks Hosting
1. Enhance Security Measures:
While cloud QuickBooks hosting providers implement robust security measures, it’s crucial to reinforce your own security protocols. Encourage your team to use strong passwords, enable two-factor authentication, and regularly update antivirus software to protect sensitive financial data.
2. Use Mobile Apps:
Cloud QuickBooks hosting enables access to financial data from anywhere, at any time. Make the most of this advantage by utilizing mobile apps. Install the QuickBooks app on your smartphone or tablet to easily manage invoices, track expenses, and analyze financial reports on the go.
3. Automate Routine Tasks:
Take advantage of the automation capabilities of cloud QuickBooks hosting. Explore features like scheduled reporting, automatic invoice generation, and recurring billing to save time, reduce human error, and improve efficiency.
4. Leverage Integrations:
Cloud QuickBooks hosting integrates seamlessly with numerous other business applications. Whether it’s CRM software, project management tools, or e-commerce platforms, leverage these integrations to streamline workflows, eliminate duplicate data entry, and enhance overall efficiency.
Advantages of Cloud QuickBooks Hosting
1. Increased Accessibility:
Cloud QuickBooks hosting allows users to access their financial data and software from any location, using any device with an internet connection. This level of accessibility enables businesses to work remotely, collaborate effortlessly, and make informed financial decisions in real-time.
2. Enhanced Security:
Cloud hosting providers implement advanced security protocols, ensuring the safety of sensitive financial data. The use of encryption techniques, firewalls, and regular data backups provide businesses with peace of mind, knowing their data is protected from cyber threats and potential hardware failures.
3. Scalability and Flexibility:
Cloud QuickBooks hosting offers businesses the flexibility to scale resources up or down as needed. Whether it’s adding more users during peak seasons or reducing resources during slower periods, cloud hosting ensures businesses pay for only what they require, making it a cost-effective choice.
4. Disaster Recovery and Data Backup:
In the event of a disaster or system failure, cloud QuickBooks hosting offers reliable data backup and recovery options. Cloud hosting providers typically have multiple data centers and backup routines in place, minimizing the risk of data loss and ensuring business continuity.
Frequently Asked Questions (FAQs)
1. Is QuickBooks Online the same as cloud QuickBooks hosting?
No, QuickBooks Online and cloud QuickBooks hosting are distinct solutions. QuickBooks Online is Intuit’s web-based accounting software accessible via a web browser, while cloud QuickBooks hosting involves hosting the desktop version of QuickBooks on remote servers, accessible via the internet.
2. Can I access cloud QuickBooks hosting from a Mac computer?
Yes, cloud QuickBooks hosting is compatible with both Windows and Mac operating systems. You can access your hosted QuickBooks application from any device with an internet connection, regardless of the operating system it runs on.
In conclusion, cloud QuickBooks hosting offers businesses a modern and efficient way to manage their financial operations. By optimizing its usage, adhering to best practices, and leveraging its advantages, organizations can streamline their accounting processes, enhance collaboration, and make informed financial decisions. Explore a reliable hosting provider, apply the shared tips and tricks, and take advantage of the benefits cloud QuickBooks hosting offers. Embrace this technological advancement and pave the way for a more efficient financial future for your business!


Credit Card Payments
Rate is inclusive of Goods and Services Tax (GST).
Credit card payments incur a merchant service fee in addition to the total amount payable as follows:
MasterCard, Visa and American Express 1.2% (Inc GST)
China Union Pay 1.75% (Inc GST)
Diners Club, JCB and Discover 3% (Inc GST)
Payments by cash or EFTPOS do not attract a merchant fee.
Public Holiday Pricing:
A surcharge of 15% applies on all Victorian public holidays.


The technology works as an accelerant to the business organization. If a business is already efficient, technology will make it even more efficient. Conversely, if an organization is inefficient, the technology will eliminate all its inefficiencies via bringing out the best possible solutions. Progressive companies maximize their efficiencies via integrating the enterprise databases like CRM and ERP.
In our previous blog titled CRM vs ERP, we already discussed the component features in details. It's known fact that CRM software functions with front-office information pertaining to customer interactions with sales, marketing, and support, conversely ERP software handle the critical back-office data. It also manages the customer information like purchase history, billing and shipping details, and accounting information once the order has been placed.
Both ERP and CRM software solely offer substantial benefits to businesses. If ERP and CRM are integrated into a single software system, the business organization can seamlessly process their financial management, management Process, and marketing Process.
Let us look into the 5 key benefits of integrating CRM in an ERP system.
1. A 360-degree customer analysis.
One of the prime advantages of integrating CRM in an ERP software is that it provides a detailed and complete overview of the potential customer. One can easily track customers buying habits, order history and also the general needs. From sales and support to finance and accounting, the integration makes everything seamless. With a better customer base insight it conversely builds lasting relationships, thereby determine the future potential growth. Consistent data gives better analytics and reporting, leaving customer preferences, profitability, and loyalty easy to track.
2. Real-time access to crucial information
Lack of timely information comes along with the risk of employees becoming less efficient and productive, resulting in a loss to customers. A fully integrated CRM and ERP software will provide the employee's access to real-time information without many complexities. In a single click, all the information pertaining to inventory levels, shipments, customer financials, order history, returns, payments, pricing are brought in.
3. Eliminate tedious data entry and duplication
Both ERP and CRM software is embedded with contact and account information for different business purposes. While ERP focusses mainly on the billing and shipping addresses, CRM primly focuses on the prospects and sales/support. The ERP and CRM integration removes the tedious task of duplicating the data entry by bringing the identical rules for both CRM and ERP. For instance, if any kind of alterations made in the ERP, it will automatically reflect in the CRM and vice versa. The same principle applies to the addition/removal of custom fields, new entries or any kind of changes in the database.
4. Efficient inventory and quote management
Integrating CRM with ERP initiates the businesses to turn their proposal generation into actual orders, which can be executed and tracked in an ERP system. It reduces the time consumed for the management of data, thereby improving the efficiency of the company. Furthermore, a sales team would have enhanced visibility regarding order status updates for customers and easy access to make necessary changes if needed.
5. Reduced IT and training overheads
With a single, unified platform with functionalities of both ERP and CRM, one can easily bring down the IT costs. A single platform reduces the expense of maintaining two separate systems. With an efficient integration, one can also bring down the amount of support and training.
Cybrosys Technologies, understand the client’s needs and processes, accordingly integrate the ERP befitting your business needs. For any feedback or queries, kindly drop your message to firstname.lastname@example.org.


|Your Source For Georgia Short Sales!
Foreclosure is one of the most devastating financial challenges that a family can face
and one that many times can be avoided. The options available to residents for foreclosure
are many, including but not limited to short sales. Following is a brief explanation of these
A reinstatement is the simplest solution for a foreclosure, however it is often the most
difficult. The homeowner simply requests the total amount owed to the mortgage company to
date and pays it. This solution does not require the lender's approval and will 'reinstate' a
mortgage up to the day before the final foreclosure sale.
Forbearance or Repayment Plan
A forbearance or repayment plan involves the homeowner negotiating with the mortgage
company to allow them to repay back payments over a period of time. The homeowner
typically makes their current mortgage payment in addition to a portion of the back
payments they owe.
A mortgage modification involves the reduction of one of the following: the interest rate on
the loan, the principal balance of the loan, the term of the loan, or any combination of these.
These typically result in a lower payment to the homeowner and a more affordable mortgage.
Rent the Property
A homeowner who has a mortgage payment low enough that market rent will allow it to be
paid, can convert their property to a rental and use the rental income to pay the mortgage.
Deed-in-Lieu of Foreclosure
Also known as a "friendly foreclosure," a deed-in-lieu allows the homeowner to return the
property to the lender rather than go through the foreclosure process. Lender approval is
required for this option, and the homeowner must also vacate the property.
Many have considered and marketed bankruptcy as a "foreclosure solution," but this is only
true in some states and situations. If the homeowner has non-mortgage debts that cause a
shortfall of paying their mortgage payments and a personal bankruptcy will eliminate these
debts, this may be a viable solution.
If a homeowner has sufficient equity in their property and their credit is still in good standing,
they may be able to refinance their mortgage.
Servicemembers Civil Relief Act (military personnel only)
If a member of the military is experiencing financial distress due to deployment, and that
person can show that their debt was entered into prior to deployment, they may qualify for
relief under the Servicemembers Civil Relief Act. The American Bar Association has a
network of attorneys that will work with servicemembers in relation to qualifying for this relief.
Sell the Property
Homeowners with sufficient equity can list their property with a qualified agent that
understands the foreclosure process in their area.
If a homeowner owes more on their property than it is currently worth, then they can hire a
qualified real estate agent to market and sell their property through the negotiation of a
short sale with their lender. This typically requires the property to be on the market and the
homeowner must have a financial hardship to qualify. Hardship can be simply defined as a
material change in the financial stability of the homeowner between the date of the home
purchase and the date of the short sale negotiation. Acceptable hardships include but are
not limited to: mortgage payment increase, job loss, divorce, excessive debt, forced or
unplanned relocation, and more.
This represents only a summary of some of the solutions available to homeowners facing
foreclosure. Locate a CDPE in your area for an evaluation of your individual situation,
property value, and possible options.
Understanding your options now could mean all the difference in the world.
What is a Short Sale?
A short sale can be an excellent solution for homeowners who need to sell, and who owe
more on their homes than they are worth. In the past, it was rare for a bank or lender to
accept a short sale. Today, however, due to overwhelming market changes, banks and
lenders have become much more negotiable when it comes to these transactions. Recent
changes in corporate policy and the Obama administration have also improved the chances
of getting a short sale approved.
But to be technical, here's a more official definition:
A homeowner is 'short' when the amount owed on his/her property is higher than current
A short sale occurs when a negotiation is entered into with the homeowner's mortgage
company (or companies) to accept less than the full balance of the loan at closing. A buyer
closes on the property, and the property is then 'sold short' of the total value of the
For homeowners to qualify for a short sale, they must fall into all of the following
Financial Hardship – There is a situation causing you to have trouble affording your
Monthly Income Shortfall – In other words: "You have more month than money." A lender
will want to see that you cannot afford, or soon will not be able to afford your mortgage.
Insolvency – The lender will want to see that you do not have significant liquid assets that
would allow you to pay down your mortgage.
This seems simple enough, but it is a complicated process that takes the expertise of
experienced professionals. Find a CDPE in your area by clicking here. Together, you can
identify all possible options and, when possible, a CDPE can assist you in the quick
execution of a short sale transaction.
Short sales have become much more efficient and stream lined. No longer do you have to
wait for months for the bank to make a decision. We are getting approvals within two weeks
once all documents are in the banks hands.
Call me to start the process before your options are gone.
|Learn the TRUTH about short sales


QUICK SERVICE RESTAURANTS
Fast-food, or quick-service restaurants (QSRs), continue to thrive, which makes the industry a great place to invest. Fifty million Americans eat at a fast-food restaurant daily, which accounts for the 2018 U.S. revenue of $256 billion, and 2019 growth is projected around 4%. QSRs like McDonald’s, KFC, Wendy’s, and Starbucks are stable, long-term net-lease investments with reliable, creditworthy tenants, effortless monthly income, periodic rent increases for 10-15 years, and few or no maintenance responsibilities.
Quick Service Restaurants for sale listings are some of the hottest retail properties in the market. Whether you are looking to buy a Fast Food, Quick Service Restaurant or sell your Fast Food, Quick Service Restaurant, Annandale is here to help you through the process for the best possible outcome.
Contact Us Today!


We have funding to cover the tuition fees for one Masters of Science by Research (MSc-R) at Lancaster Environment Centre, Lancaster University.
The successful applicant will join the Climate Citizens project team to conduct a piece of original research on one of two topics:
- Green financial reform and the prospect of democratisation
- What climate policies do the public want to see?
More information about the opportunity can be found here.
The funding covers tuition fees only, there is no stipend (living expenses) included in the funding.


SINPF Online Portal
Use the search below to check if there are any unidentified transactions for your SINPF account.
The employers list only shows those who have unidentified transactions, so if you can't find your employer then that's great!
It means all your contributions have been successfully allocated to your account.
Suspense transactions are held for a maximum of 5 years (60 months) before being transferred to the General Reserve.
The Months Remaining column shows how many months left.
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Buying your first home is huge. It’s mind-blowing to imagine being finally free of house inspections, lease renewals, ignored communications from absentee agents, and less-than-stellar maintenance. For many people, it is the culmination of a lot of strict saving and dedication, as well as a lot of patient waiting.
The First Home Owners Grant is an initiative that was introduced in 2000 to make buying a home more accessible. Like most of the home-buying process, the First Home Owners Grant can be a little confusing. So ACM Construction has put together a little information to help you get started. This is article is not, by any means, comprehensive but will hopefully point you in the correct direction for further investigation.
What is the First Home Owners Grant?
The First Home Owners Grant (FHOG) is a sum of $15,000 for QLD homes bought in 2019 from the government. Depending on State, the sum and restrictions can vary so it is important to look up your State’s regulations. This sum can be used as your deposit when buying a home or can be applied to your principal.
This grant is awarded to people buying or building new owner-occupied homes. Additionally, owners of the home must live in the house for at least one year continuously. If the conditions of the grant are breached, homeowners must pay back all money received. Substantially renovated homes may be eligible, however, renovated homes have a set of complex criteria surrounding what the government will deem eligible. Always make sure you do your research and speak with a knowledgeable professional.
It is import to remember if you are buying a house jointly with someone else you must both satisfy the grant’s criteria in order to be eligible. Furthermore, you will only receive one grant. If you are interested in finding out your eligibility for assistance, you can visit the Queensland Government’s estimator.
While the first home Owners grant is a great bonus for people looking to own their own home, it doesn’t work for everyone. For people looking to buy a previously lived-in home that is still in great condition, the First Home Owners Grant will provide no relief. The same is true for people looking for an investment property.
However, in this circumstance, you may still be eligible to receive some form of assistance. For homes under $550,000 you can receive a concession on Stamp Duty.There are some handy estimating tools available for transfer duty and first home concessions, among others. Again, you should always consult with a knowledgeable professional before taking action. As such we recommend you consult with an approved agent.


In this article, we will review some of the top Bitcoin casinos that offer a variety of games, bonuses, and features for crypto enthusiasts. Whether you want to play slots, table games, live casinos, or sports betting, these sites have something for everyone. Here are our picks for the best crypto gambling sites of 2023:
- mBit Casino: This is a safe and easy-to-play crypto casino site that offers over 2000 games from top providers like NetEnt, Microgaming, and Play’n GO. mBit Casino also has a generous VIP program that rewards loyal players with cashback, free spins, and exclusive offers.
- BitStarz: This is a top-rated online casino that accepts both Bitcoin and fiat currencies. BitStarz has a huge game library with over 3000 titles, including slots, jackpots, table games, and live casinos. BitStarz also has regular promotions and tournaments that give players a chance to win big prizes.
- 7Bit Casino: This is a recommended real money slot site that has over 4000 games from leading providers like Betsoft, Pragmatic Play, and Yggdrasil. 7Bit Casino also has daily cashback offers, reload bonuses and free spins for new and existing players.
- FortuneJack: This site has a reputation for being fair, secure, and reliable. FortuneJack accepts a wide range of cryptocurrencies, including Bitcoin, Ethereum, Litecoin, Dogecoin, and more. You can also enjoy a generous welcome bonus of up to 6 BTC and 300 free spins on your first four deposits. FortuneJack has over 2000 games from top providers like NetEnt, Microgaming, and Evolution Gaming.
- LuckyBlock: This site is powered by the Binance Smart Chain and offers a unique gaming experience with low fees and fast transactions. LuckyBlock has a variety of games, including slots, dice, roulette, blackjack, and poker.
- Stake: This site offers a sleek and user-friendly interface. Stake accepts Bitcoin and other popular cryptocurrencies like Ethereum, Litecoin, Bitcoin Cash, and more. You can also use USDT as a stablecoin option. The stake has a huge selection of games, including original titles like Crash, Mines, Plinko, and Limbo.
- Metaspins: This site aims to revolutionize the online gaming industry. Metaspins is built on the Polygon network and offers low fees and instant transactions. Metaspins has a unique feature called MetaSpinners, which are NFTs that represent different characters and themes. MetaSpinners can be used to play games on the site and earn rewards.
- Cloudbet: This is one of the oldest and most trusted crypto gambling sites in the market. Cloudbet was founded in 2013 and has been offering high-quality gaming services ever since. Cloudbet accepts Bitcoin and other major cryptocurrencies like Ethereum, Bitcoin Cash, Tether, USD Coin, and more. You can also use credit cards or e-wallets to deposit and withdraw funds. Cloudbet has a huge library of games from leading providers like Play’n GO, Pragmatic Play, Betsoft, and more.
These are some of the best crypto gambling sites of 2023 that you should check out if you want to have fun and win big with cryptocurrencies. These sites offer a variety of games, bonuses, features, and payment options for crypto lovers. They are also safe, secure, and reliable platforms that have been tested and verified by thousands of players around the world.


What is Long Term Care Insurance?
My parents purchased a long term care insurance policy some years back. My father is in the hospital and my mother is worried about being able to care for him. I know Medicare will help with physical therapy, nurses’ visits, occupational therapy, speech therapy and/or a social worker for several weeks after discharge but know covered benefits are limited in scope and time. If the long term care insurance policy is a good one, it could help keep my father at home paying for additional care and supporting my mother as the primary caregiver too. Is long term care insurance something that can help them now?
Depending on the policy your parents purchased, this may be the time to file a claim for benefits. Long term care insurance evolved more than 15 years ago as a retirement planning tool for healthy individuals who recognized the limitations of public coverage for long term care. The original product was called “nursing home care” because in truth, it only covered someone if or when they entered a nursing home. Fortunately, policies these days offer coverage for community-based care including care in your own home, in an assisted living, while attending adult day care, or in a nursing home. In reality, long term care can be defined as care you’ve purchased to use in your older years for a long time. You can only qualify to use it when you’re unable to accomplish daily tasks on your own such as walking, bathing, eating, or living alone safely.
How do I see if my parents qualify for benefits?
If both parents have coverage, it is likely that there are two policies since policies normally are written on the individual. After you locate the policy, look for a number to file a claim. When you call, you will need the individual’s full name, date of birth, policy number and reason you are filing a claim. Note: If you cannot locate the policy but have the name of the insurance company and the policy number and/or the date of purchase, you still may be able to file a claim.
The insurance company will then determine eligibility by sending out a home health professional to assess the individual’s ability to complete activities of daily living or will send a form to be completed by the individual’s physician regarding the need for assistance in the home. This process may take several weeks before eligibility is established.
After reading my father’s policy, I believe he will qualify for benefits. Can I start services to help my father as soon as he is released from the hospital?
Yes, you can contract for help in your parent’s home with an agency that provides home care and if approved for benefits, the insurance company will normally recognize agency documentation. If the claim is approved, there may be an elimination period before benefits are paid.
What is an elimination period?
An elimination period is a deductible period that must be met before the insurance will begin paying benefits. A typical elimination period is 30-90 days. The individual is responsible for paying for care privately with documentation sent to the insurance company. Once the required number of days is met, the insurance company will send a letter to the policy holder approving benefit payments.
How are payments structured once the claim is approved and the elimination period is met?
Payments can be paid at a maximum daily rate i.e., $80/day or a capitated monthly rate of $2,500/month. Each policy should have a summary page at the beginning of the policy that details how benefits will be paid as well as the specifics of the elimination period.
How are these benefits different from those covered by Medicare?
Long term care insurance covers services not covered within Medicare. Examples are assisting with ambulation and transfers, meal preparation, supervision when memory impairment requires supervision, helping someone to eat, bathing and personal care. These activities are necessary for a person’s independence but are considered non-medical home care.
How long will the benefits be paid?
Once a claim is approved for benefits, the insurance company will pay monthly benefits as long as the policy holder is disabled and eligible for benefits. An annual re-assessment is common to assure the disability remains. The company will continue to pay for the life of the policy or until all benefits have been utilized.
Carol S. Heape, MSW, CMC is the CEO of Elder Options, Inc. She earned her BSW, MSW from California State University-Sacramento. She is a Certified Care Manager (CMC) earning her certification in the first year of the CMC through the National Academy of Certified Care Managers.


Your guide to child support in the UK
Child maintenance was introduced as the ‘The Child Support Act 1991’ because the government were concerned that single parents were not being supported enough, often resulting in child poverty. The government felt that parents should be financially responsible for their children, so introduced the act so that maintenance payments could begin.
Where possible, parents are now responsible for making payments to support their children, rather than the single parent relying on financial support from the government.
Below, we’ve put together a child support guide to help you get a better understanding of some key points.
What is child support?
Child support, or child maintenance, means regular financial support that is paid by one parent to another. This payment is made as a contribution towards the child’s everyday living costs and covers children who are under the age of 16, or under the age of 20 provided they are in full time education.
How do I apply for child support?
You can apply for child support yourself or apply through the Child Maintenance Service (CMS). The CMS is a ‘statuary child maintenance service’, and they can work out how much child support you should receive, and they are also able to collect payments.
The CMS is a government run agency with no ties at all with the court system. If you fail to agree the level of child maintenance that is to be paid, then either parent can apply to the CMS and ask them to conduct an assessment.
Child support agreements
In the best-case scenario, both parents will be able to agree on the level of financial support that the parent with full time care should receive. When an agreement between each parent can be amicably agreed, this generally causes less animosity and can cover various scenarios and expenditure. Many parents often agree to share all expenses, such as clothing, childcare fees, school trips etc.
If both parents agree on the amount of child support that should be received, then the level and frequency of payments can be recorded in a written document. If the agreement is more complex, or yearly increases are to be made, the document may need to be more thorough. The document does not have to be registered with the CMS, but if you have any queries regarding child maintenance it is worthwhile contacting the CMS to seek advice.
A child support agreement is most useful when both parents trust each other and are honest with their financial circumstances. However, it’s worth noting that a private agreement is not legally binding, so if one parent was to change their stance on the situation they will not be legally held to the terms of the agreement. In this case, it’s likely you’ll have to make an application to the CMS.
A court agreement is similar to a private agreement, however the agreement between each parent is recorded and approved by the court in the form of an order. This results in an agreement that is legally binding for at least 12 months. If one parent wishes to change the terms of the agreement, and the change cannot be agreed between each party, then either may apply to the CMS for a further assessment. This option is only available as part of a divorce or dissolution, and only by agreement.
Who pays child support?
The parent responsible for paying child support is the parent who doesn’t have day to day care of the child. It will be their responsibility to make child support payments to the parent who does have day to day care of the child.
There are 4 rates of child maintenance, and these rates are used with the paying parent’s financial income to calculate the weekly amount of child support that should be paid.
The government website offers a useful child maintenance calculator that you can use to estimate the amount of child maintenance that should be paid from one parent to another.
If you need guidance on any aspect of family law, or any of the other legal services that we offer here at Fonseca Law, then don’t hesitate to get in touch with us. Our expert legal team are on hand to offer the best advice possible. Call us today on 01495 303124, e-mail email@example.com, or fill in our convenient online contact form.


The California State Teachers’ Retirement System (CalSTRS) is the largest educator-only pension fund in the world. CalSTRS administers a hybrid retirement system, consisting of traditional defined benefit, cash balance, and defined contribution plans. CalSTRS serves California’s more than 896,000 public school educators and their families from the state’s 1,700 school districts, county offices of education and community college districts.
On average, CalSTRS members retire at age 62 after more than 25 years of service, with a defined benefit pension that replaces about 50 to 60 percent of their salary. For new educators, the CalSTRS defined benefit pension will replace about 50 percent of their final salary. Members will need to close any gap between their target retirement income goal and their CalSTRS retirement benefit with personal savings and investments. For this reason, CalSTRS created its voluntary supplemental savings, a defined contribution plan, known today as Pension2.
With Pension2, CalSTRS offers its members and classified employees of CalSTRS-covered employers an opportunity to supplement their defined benefit pensions through pre-tax or Roth payroll contributions to 403(b) and 457(b) plans. Pension2 provides low-cost, flexible investment options with free financial services like retirement saving planning calculators, access to financial advisors, and financial awareness workshops. Voya Financial works in partnership with CalSTRS staff as Pension2’s recordkeeper.
The primary goal of the Pension2 ebook was to create an online “enrollment kit” which would include all the information, tools and resources one might need to plan for and learn about retirement. Not only did it have to be informative and intuitive, it also had to be easy to use and pleasing to the eye. The goal was not to just to make information available on a website but to create an experience that members would come to appreciate and rely on.
The Pension2 ebook was rolled out in the first quarter of 2015 and continues to be a go-to place for members to get program information. Its theme is consistent with other Pension2 materials, bringing a sense of familiarity and belonging. The ebook includes the following:
• Welcome and why Pension2
• Five reasons to start today
• Plan Highlights
• What kind of investor are you?
• Tools, calculators, and videos
• How to contact us
During the fall 2015 campaign, 9,331 accessed the ebook to learn more about Pension2 and 2,741 users interacted with the savings widget and visualized how their savings could grow. 570 people enrolled in Pension2, which accounted for 34 percent of all new enrollments from January 2015 to November 2015.
For the September through December 2015 timeframe, 10,413 people accessed the ebook, 8,938 of them unique. CalSTRS was also able to track the specific pages users interact with, allowing them to gauge interest within the site.
In this increasingly digital age, CalSTRS continues to look to the Pension2 ebook as a primary method of information delivery for its members and uses its flexibility in campaigns to help people get on a path to a more secure financial future.
To view and learn more about CalSTRS ebook online enrollment kit, visit voyadelivers.com/calstrs/ebook.


Podcasting could be converted into a profitable venture, as long as you have a clear idea of your target audience, consistent content production, and effective marketing strategies.
Whether you’re passionate about sharing your knowledge or want to tell captivating stories, podcasting offers endless possibilities for creativity and success. So why not take the plunge and start exploring this exciting medium?
With dedication and hard work, you could be the next big thing in podcasting! Transform your podcast into a profitable enterprise with ease. Since you already possess the product, all that remains is to utilize it for financial gain.
This article will demonstrate the exact steps required to generate income through podcasting in an efficient and speedy manner. Without further ado, let us commence.
Can you really make money podcasting?
Definitely. However, it is important to note that we do not expect your podcast to generate immediate profits. Like with any endeavor, you will need to invest time and effort in order to achieve success.
Making your podcast profitable is closely related to utilizing your personal or podcast brand, which will undoubtedly be advantageous for you in the future. If you have a dedicated audience, there are several ways to generate income from podcasting.
How Do Podcasts Make Money?
There are numerous ways to earn money from your podcast, which is the most fascinating aspect of monetization.
It’s important to remember that various ways of making money are more suitable or efficient during different phases of growth. A strategy that’s successful for a well-established, widely known podcast may not be as feasible for a new one, and that is acceptable.
To attract advertisers, broaden your audience.
It should be obvious that if your podcast has a significant number of loyal followers, including advertisements in your episodes is a smart move. Businesses are willing to pay a high price to reach out to your audience through their ads.
Podcasters who have a limited number of listeners should focus on expanding their audience before they can attract sponsors. With sufficient effort, promoting their brand and generating positive word-of-mouth buzz, this increase in listenership will occur naturally.
Earning income through the inclusion of advertisements and sponsorships within a show.
Sponsorships and advertising contracts are highly profitable and demand minimal effort on your end (except for finalizing the arrangement, of course). As these brands and businesses compensate you for promoting their products, the greater your audience size, the larger payment they are prepared to offer.
If you are a podcast listener, you may recognize the familiar line “brought to you by xy and z”, which indicates sponsorship.
Several podcasting advertising companies exist to facilitate connections between podcasters and advertisers. These companies oversee the practical aspects and management for a cost.
If you run a podcast that caters to a particular audience, consider contacting businesses that specialize in that niche. You might discover a valuable collaboration opportunity.
At what point should I begin considering making money from my podcast?
The choice is yours as to how you want to approach the financial aspect of your podcasting venture, whether it be more of a hobby or a serious business endeavor.
Do you want to earn some extra cash from your podcast or do you want it to contribute significantly to your income? Depending on your answer, you will need to decide when and how to monetize your podcast.
Ultimately, the starting point of your podcast doesn’t hold much significance. However, as previously stated, the growth stage of your podcast may determine the varying opportunities available to you.
There are twelve methods to generate income from a podcast.
1. Ask for donations
There is a common phrase that suggests requesting something is necessary for receiving it. One way to earn money through your podcast is by simply asking your audience for donations.
Your loyal listeners may choose to donate through platforms like Patreon or PayPal to help support your podcast.
2. Offer paid membership tiers
By offering different pricing tiers with varying levels of access and perks, you can cater to different levels of commitment from your fans and increase revenue.
It’s a win-win situation as your fans are happy to pay for exclusive content, and you earn money from providing it. I’m sorry, but there is no paragraph provided to paraphrase. Please provide the original paragraph.
A membership program is beneficial for podcasters who prefer not to associate with brand partnerships as it allows them to maintain their independence while still making money from their podcast.
In other words, if you have already secured a profitable advertising agreement, you could provide a choice for your paying subscribers to enjoy your content without any ads. It just takes determination and effort to make it happen.
What are Podcast Memberships
In simpler terms, a podcast membership is a subscription that offers a more personal touch. This means that your audience will pay a set fee on a regular basis to receive unique content and features.
Having podcast memberships can be a beneficial means of obtaining a steady financial flow and also enhancing the feeling of belongingness within your audience. It’s a mutually advantageous situation in our opinion.
Podcasts that have a dependable fan base who frequently keep up with and interact with your content are most suitable for a membership framework.
Ways to Generate Revenue from a Podcast through Memberships
Make sure that your membership is beneficial and valuable.
It is possible that many people who listen to your podcast will show their support due to their kind intentions towards you and their belief in the potential success of your podcast. However, you should not solely depend on this support.
Ensure that your audience perceives the offer as advantageous when you request them to make recurring payments.
Produce additional or superior material for individuals who have subscribed to your service.
You have the freedom to be inventive and enjoy designing special content for those who belong to your membership program. The workload involved in crafting such content can be adjusted according to your preferences.
You have the option to film more episodes and allow your members to view your recording process live, or ask for their input on future content. The decision ultimately depends on what you believe your audience would be interested in paying for.
Create tiered memberships
One option is to provide varying tiers that include increasingly impressive benefits and exclusive advantages. This accommodates a range of price ranges and may entice individuals with limited funds to become members.
A basic subscription may involve a small charge in exchange for a straightforward announcement on your program, while a premium membership provides the opportunity for your audience to attend live events and interact with you directly, either in person or virtually.
Consider becoming a member of Apple’s Podcasters Program to offer subscriptions for sale via Apple Podcasts. Alternatively, you could establish membership options using Patreon.
3. Get sponsorships or sell ads
If you have a significant number of followers or focus on a specific group of listeners, it should be relatively easy to obtain sponsorship or advertising agreements.
If you are selling a sponsorship or advertisement, you are essentially offering time for promotion before, during, or after your episode. The most sought-after and consequently high-priced ad placement is mid-roll because it is less likely for your listeners to skip through it.
Post-roll, being the least impactful form of placement, is comparatively inexpensive due to the fact that majority of the audience tends to discontinue listening or move on to the next episode.
There exists two common categories of advertising in podcasts:
The host promotes the product. As the host, you can discuss and showcase the product or service without causing disruption to the overall flow of your episode. This approach may be less intrusive.
Pre-recorded ads. The advertiser who purchases the slot for an advertisement gives you a previously recorded commercial. Your role is to incorporate the recording into the specified quantity of episodes.
4. Join an advertising network
Podcast Advertising Networks like Midroll are here to simplify your life. They facilitate the connection between podcast hosts and potential brands and sponsors, thereby eliminating the need for you to put in the effort of finding them on your own.
5. Sell repurposed content
After investing your time and effort in making a podcast that contains valuable and insightful content, it is crucial to maximize its benefits. Consider transcribing your podcast, which is made easier with Riverside’s automated transcription function, as it can be repurposed for future use.
After obtaining a transcript of your podcast, you can transform it into an article and attempt to present it to well-known publications that cater to your specific field of interest.
6. Syndicate your show to YouTube
To syndicate your podcast to YouTube means to change its format and make it available as a video on the YouTube platform. While it is effortless to record a video podcast using Riverside.fm, if you are unable to do so, there is no need for concern. You can instead upload your podcast episode’s audio along with the cover art for your podcast as the video’s image.
What is the YouTube Partner Program?
The YouTube Partner Program provides an opportunity to earn money from your YouTube content, as well as access to additional YouTube tools and options.
One can earn money through a podcast by utilizing the YouTube Partner Program.
audience and earning revenue. However, it should be noted that meeting specific criteria, including meeting a minimum number of subscribers and viewers, is necessary to become a part of the YouTube Partner Program. By uploading your podcast on this platform, you can expand your audience reach and generate income. There may be members in the audience who do not use traditional listening platforms for podcasts.
You can earn revenue by creating podcasts and uploading them on YouTube.
Advertising Revenue. You will receive a share of the income generated from advertisements that are shown before, during, or alongside your content.
Channel Membership. Analogous to the process of establishing levels of membership, podcast users have the option to make monthly payments in exchange for additional benefits and limited access content.
Sell your merch. By using your channel, YouTube provides the opportunity for you to earn extra income by selling merchandise that bears your brand.
YouTube Premium Revenue. If a viewer who has subscribed to YouTube Premium watches your content, you will receive a share of the amount they paid for their subscription.
7. Sell merchandise
It can be a successful source for the podcast creator, and secondly, it serves as a form of advertising for the podcast as anyone who wears or uses the merchandise becomes a walking billboard.
It’s no wonder that branded merchandise is so popular among everyone. As long as you’ve got an identifiable logo or artwork, you can quickly create various items such as t-shirts or coffee mugs.
The great thing about creating podcast-related merchandise is that it can serve two purposes at once. Firstly, it provides extra income for the podcaster through product sales, and secondly, it acts as an advertisement for the podcast because anyone who wears or uses the merchandise becomes a mobile advertisement.
It’s not surprising that there’s such a high demand for branded gear among people. One benefit of giving away branded t-shirts to your podcast listeners is that it is a cost-free marketing strategy. By simply wearing the shirt, they are advertising your podcast in a subtle manner.
There are various types of products and merchandise related to podcasts.
Joe Rogan’s merchandise The products available vary from t-shirts and socks to duffel bags and beach towels.
8. Public speaking
After podcasting for a certain period and gaining credibility in your field of interest, you can begin to request payment for speaking engagements.
9. Create a paid e-course
If you have an educational or informative podcast, you can make money from it by creating an e-course. You don’t need to spend a lot of money to create one. You can easily use your podcast content and add a few more details to make an e-course. Valuable suggestions, techniques and useful guidance.
The reason why people are keen to purchase E-courses is that they offer concrete outcomes. They have a clear understanding of what they are investing in and the benefits that come from it.
Moreover, since you already have a captive audience, there is a high probability that many individuals will be interested in taking your course immediately after it is released.
10. Sell content upgrades
One can earn some money easily and swiftly by providing content upgrades such as specific resources or downloadable aids to accompany their podcast. The upgrade should be relevant to the podcast episode’s subject matter and contribute positively to the listener’s encounter.
As an illustration, suppose your podcast episode focused on “ending procrastination”, you could provide a practical set of steps or a list to assist your audience in putting your recommendations into practice.
11. Events and conferences
Organizing events and conferences is an excellent means of building bonds with your audience, generating income from your podcast, and fostering a sense of unity within your community.
Making money from your podcast through organizing a large event is a more ambitious and expansive approach. This method is ideal for well-established podcasts that have the ability to coordinate a significant event.
After building a loyal audience and establishing your brand in the world of podcasting, you can consider taking the next step by organizing a larger event that requires tickets for admission.
The primary draw for most of your supporters will be the opportunity to meet you and any other hosts in real life. The type of gathering or occasion you organize will vary depending on the theme and target demographic of your podcast.
If your podcast content is meant to be informative, you could think about featuring seminars, training sessions, or group conversations. On the other hand, if you’re specifically doing comedic content, performing a stand-up comedy routine could be a good idea.
Given the current situation with COVID-19, it may not be feasible to hold a podcast event or conference in person. However, you could explore the option of organizing an online event or live broadcast instead.
12. Sell consulting or coaching services
After establishing oneself as a successful podcast host and demonstrating expertise in the field, one may begin providing consulting or coaching services to other podcasters.
This will entail offering guidance to other podcast creators on the most efficient ways to increase their audience, promote, and make money from their podcasts.
Are you someone who prefers visual aids? If so, then you might want to see this video demonstration on how to earn money from your podcast.
5 rapid and highly efficient strategies to earn money from your podcast
1.Create a podcast with high-quality production.
a need to ensure that your podcast has a professional touch and is of a high quality if you aim to earn money from it, secure profitable partnerships and utilize your brand effectively. You’ll be able to gain the commitment and support of potential sponsors and listeners only if your podcast meets their expectations. There’s nothing more frustrating than having low-quality sound or unimpressive editing that hinders your abilities.
2. Build a community
Prior to considering how to make money from your podcast, it is imperative to consider your listeners and the community that surrounds your podcast. The audience and community are extremely valuable assets for any podcaster.
It’s not only about having a large number of followers. While building a significant audience is important, it’s essential to create a feeling of belonging and establish personal connections with them.
generate more revenue from your podcast through advertising and sponsorships by fostering a loyal following who supports both you and your show.
In addition, when listeners are engaged and invested in your content, they may be more inclined to respond favorably to any advertisements or affiliate links incorporated into your episodes. Increase the cost of advertising on your platform.
3.consider the type of monetization that will be suitable for both you and your audience.
Different podcasts need different approaches to make money, depending on their audience and the nature of the podcast. Understanding these factors is necessary for effectively monetizing your podcast.
variety of sponsorship deals might work well. On the other hand, if you run a podcast about personal finance, creating an online course or offering consulting services could be more viable monetization options. It is crucial to understand your audience and tailor your monetization strategy accordingly.
If you are a teacher or coach, the opposite may be true, and a sponsorship agreement may not be as beneficial.
4.Consider expanding your brand by being accepting of a variety of opportunities.
In a perfect scenario, your podcast would yield earnings directly from sponsors and advertisements without any further complications. However, this isn’t always feasible, particularly if you have a limited listener base.
If your goal is to earn profits through podcasting, it’s crucial to consider alternative sources of income that involve expanding your brand and the content you provide.
Examples of this could include offering online courses, coaching services or creating more podcast episodes. This offer is only available to those who are subscribed. Expand your thinking beyond conventional methods.
5. Find a middle ground and not hesitate to decline requests.
You don’t want to compromise the integrity of your podcast just to earn some extra cash. If you’re struggling financially or have a limited budget, any opportunity to generate income through your podcast can be incredibly helpful.
However, it’s important to remember that you understand your podcast and its audience better than anyone else. It’s crucial to find a balance between earning money and maintaining the authenticity and relevance of your podcast for your listeners.
You should avoid sacrificing the quality or values of your content in order to make more money from it. You should prioritize your podcast’s integrity above all else.
Trust your instincts and don’t hesitate to decline a deal or partnership that doesn’t feel right. You’re likely to find a more suitable opportunity soon enough.
What is Affiliate Marketing for Podcasts
You can earn money by promoting and selling products as an affiliate.
To promote affiliate products to your audience, you have to advertise them as usual. The difference, however, is that instead of getting paid for simply featuring the advertisement, you receive payment based on the number of people who actually buy the product that you are promoting.
Affiliate sales may not be a dependable source of income due to the uncertainty of how many customers will actually purchase the product being promoted.
How to Find Affiliate Sponsors
It is not always necessary to finalize a partnership agreement before promoting affiliate products on your podcast.
to establish an affiliate relationship. With so many options available, it’s important to carefully consider which program will best suit your needs and fit with your brand.
There are numerous affiliate programs that can be easily accessed. A simple internet search can yield many options, but some of the most favored ones are Amazon Associates and Skillshare.
Another option is to connect with brands that align with your target audience and attempt to build an affiliate partnership. Because of the variety of choices, it’s essential to carefully evaluate which program would be most suitable for your requirements and align well with your brand identity. Establishing a unique relationship with an affiliate.
One way to make money from a podcast is by using affiliates as sponsors. Here are some tips on how to do it: First, find affiliate programs that are related to your podcast’s subject matter or niche.
Next, look for affiliate products or services that you use and can genuinely recommend to your listeners.
Then, promote the affiliate sponsor in each episode and provide a unique link or promo code for listeners to use when purchasing the product/service. Finally, track the results of the affiliate program and continually adjust your approach based on feedback and success rates.
When you advertise an affiliate product on your podcast, it’s like taking a risk and wishing that the product will connect with your audience. Ideally, many listeners will buy the product and you’ll receive a considerable commission from their purchases. Buying.
How to Promote Your Affiliate Links
In your podcast, you have two options for promoting the affiliate product. You can either mention it casually during the episode if it aligns with your topic or create a separate segment solely dedicated to it.
It’s important to provide your listeners with the affiliate link, which can be shared verbally during the podcast. In addition to incorporating it into your show notes and podcast transcript.
Important tip: Inform your audience about receiving a commission from their purchase.
How Much Money Do Podcasters Make?
There is no definite amount that podcasters earn, as it largely depends on the popularity of their podcast. Ideally, podcasts with more downloads or listeners have a greater earning potential.
If you want to understand the typical income of a podcaster, it would be helpful to refer to our article that covers how much money podcasters usually earn.
Who Are The Highest Earning Podcasters?
Forbes reports that the individuals who make the most money from podcasting are:
Joe Rogan of The Joe Rogan ExperienceEarning $30 million every year and having 190 million downloads per month.
Karen Kilgariff and Georgie Hardstark from My Favourite Murder have 35 million monthly downloads and make $15 million every year.
Dave Ramsey, the host of The Dave Ramsey Show, has a staggering amount of 13 million listeners tuning in each week and an annual income of $10 million.
Frequently Asked Questions Related to Earning Money from Podcasting
How do you monetize a podcast?
We have observed that earning money through podcasting is not as challenging as it may seem. There are several options available to monetize a podcast; however, it requires dedication and efforts to achieve success.
It’s important to keep in mind that just because a certain strategy or approach works well for another podcast, it may not necessarily be effective for your own podcast.
Are podcasts profitable?
There are several ways to monetize a podcast, such as ads, sponsorships, merchandise sales or even crowdfunding campaigns. If you have a passion for a specific topic and the skills to produce great content, creating a successful podcast can become your main source of income.
There are podcasters who have become well-known and are earning millions from their podcasts. However, not all podcasters find it easy to make money from their shows, especially if they are just starting out.
Despite this, it is possible to earn a decent profit from podcasting provided that one has a large audience. Committed to implementing different approaches for making money.
What is the minimum number of downloads required to earn money from my podcast?
To make money from your podcast, it is beneficial to have a larger audience or a smaller yet devoted group of listeners.
Despite that, there are methods for less popular and smaller podcasts to begin earning revenue.
What is the expense for initiating a podcast?
The expense of podcasting is entirely up to you. If you have a lot of money and are willing to spend it on a high-quality setup, the cost will be high. However, if you’re just interested in giving podcasting a try, you can get started for very little money.
Do podcasts on Spotify make money?
enable podcasters to earn money directly from their listeners. Simply put, podcasts on Spotify are a lucrative business opportunity that can generate revenue for creators through various methods such as sponsorships, advertisements, and affiliate marketing.
Additionally, a new podcast monetization scheme has been launched by Spotify (restricted to the United States currently) which allows podcasters to earn money directly from their audience. The platform allows podcasters to generate direct income.
By utilizing this scheme exclusively offered by Anchor, which is a podcast hosting service, you can optimize your podcast earnings by offering paid memberships.
Is podcasting a good way to make money?
Using podcasting as a means to generate income can be effective. Certain famous podcasters earn millions annually, but this isn’t the reality for all. It demands a significant amount of effort and not all are able to rely on podcasting as their primary source of income.


The SSD Guy was recently asked whether HDDs would continue, at least through 2019, to remain preferable to SSDs as cost-effective high-capacity storage. The answer was “Yes”.
Longtime readers will note that I steadfastly maintain that HDD and SSD gigabyte prices are unlikely to cross for a very long time. Historically, a gigabyte of NAND flash has cost between ten to twenty times as much as a gigabyte of HDD. Let’s look at where Objective Analysis expects things to go by 2019.
Our current projections call for NAND price per gigabyte to reach 4.4 cents in 2019. I would expect for HDD to still be 1/10th to 1/20th of that price. Most likely 1/10th, since we expect for NAND flash to be in a significant oversupply at that time and will be selling at cost.
If HDD prices continue to hover around $50, then a 2019 HDD price of 0.44 to 0.22 cents per gigabyte (1/10th to 1/20th of the price of NAND flash) would imply an average HDD capacity of 11-23TB.
A couple of weeks ago, on December 2, 2015, Western Digital’s HGST introduced its Continue reading
Earlier this month Western Digital’s HGST division invited The SSD Guy to a launch of a number of products. On the HDD side there were:
- 6TB air HDD, HGST’s last air-filled enterprise HDD
- 8TB helium HDD, an incremental upgrade of last year’s 6TB helium HDD
- 10TB shingled helium HDD (pictured)
I view these as very solid evidence that HDD costs will continue to stay an order of magnitude cheaper than SSD costs, thwarting the price-per-gigabyte crossover that others have been predicting for years.
In fact, since my last post on the price crossover in 2011, very little has changed.
It’s safe to assume that the HDD industry will Continue reading


Did you know that if you do independent contractor work, even casual 1099 work like Uber driving, you should have a business bank account? Or maybe you know your established business should have its own bank account, but your frustrations with business checking options led you to keep using your personal account?
If you have an LLC or corporation, it must have its own bank account in its own name. An LLC or corporation is a separate legal entity from you, so it isn’t proper to put its money into your personal bank accounts even if you’re the sole owner.
Instead, you should accept all business payments into and pay all business expenses from your business bank account. When it’s time to pay yourself, write yourself a check or set up direct deposit.
If you mix your business money with your personal money, a court could decide that you weren’t really operating as an LLC or corporation. If that happens, you could lose the legal protections you thought you received by incorporating.
It’s Required for All Business Types
Even if you’re a small sole proprietor, you still need a separate business account. Federal law gives different protections to personal and business bank accounts, so you need to open the right bank account to protect your rights in the event you have to dispute something on your account.
Your bank account terms also probably state that you can’t use personal accounts for business reasons. Banks do this to make sure they follow federal law and to give you the proper services and pricing. If you don’t follow your account terms, your bank may close your account which could disrupt your business if you suddenly can’t receive payments or pay your vendors.
It Makes Your Accounting Easier
Having a separate business bank account also makes your accounting easier. Whether you use automatic import to your bookkeeping software or send everything to your accountant, you won’t have to waste time separating out your personal transactions.
You’ll also have a clean, easy-to-understand set of financial records to use if you apply for a business loan, decide to sell your business, or get audited by the IRS. In addition, you won’t lose privacy by having your personal transactions placed under the microscope when your business transactions are reviewed.
Business Accounts Offer More Services
Business bank accounts aren’t just a must. They also give you additional benefits.
One of the most important features is limiting what access employees have to your accounts. You can decide who has check-signing authority, who can only make deposits, and who can use a debit card. You can also set limits on debit card use.
Depending on your account tier, you may also receive benefits such as unlimited transactions, earning interest on your cash reserves, and lower-cost cash and change processing.


Legacy Giving Ministry at St. John's
“The true meaning of life is to plant trees, under whose shade you do not expect to sit.” (Nelson Henderson)
"All you have shall some day be given; therefore give now, that the season of giving may be yours and not your inheritors'." (Kahlil Gibran)
Making a legacy gift is a powerful witness of faith, love and gratitude. This type of gift recognizes the heritage left by those who came before us, and acknowledges that we bear a responsibility to future generations to insure the continuation of God’s work within and beyond St. John’s.
How will my gift be used?
In order to be faithful stewards of all that Christ has given us, St. John’s has established a Permanent Endowment Fund. This fund and its operation are managed by the parish Endowment Committee with oversight by the Vestry, in accordance with the parish bylaws. The “principal” of the endowment gifts are permanent and only a small fixed percentage may be used at the discretion of the Vestry. The funds are carefully invested and accumulated earnings are used for purposes beyond those of the annual operating budget.
Should I leave a legacy gift to St. John’s?
A legacy gift is often the largest gift a person can make, so it is important to take time to make a prayerful and thoughtful consideration of the legacy you would like to leave. Individuals of all income levels make planned gifts to accomplish their charitable purposes. This type of gift speaks to intention and generosity more than net worth.
A Gift of Gratitude, a Legacy of Faith
This journey starts by reflecting with gratitude and wonder on the abundance God has bestowed upon you during your lifetime. While in the presence of God, ask the Holy Spirit to reveal to you the people and institutions that helped you find your purpose and gave meaning to your life. Ask yourself:
- Which institutions do I want to see prosper in order to serve and uplift the next generation?
- What areas of ministry resonate with my gifts and passions, and have blessed me, my family, and others?
Next, ask for the Holy Spirit’s guidance in creating a financial plan that honors these institutions and ministries. Your legacy gift will glorify God and bless others by making a difference in the future of a ministry that you have cherished and supported during your lifetime.
How do I leave a legacy gift to St. John’s?
There are many creative ways to make a legacy gift. Among them...
A. Make a bequest in your will or trust. You may choose to donate a percentage or a specific dollar amount.
B. Name the Church as a beneficiary of a life insurance policy.
C. Name the Church as a beneficiary of a retirement account (e.g. IRA, 401k or 403b).
D. Charitable gift annuity or charitable remainder trust. These types of gifts offer the donor guaranteed lifetime fixed income payments and may offer significant tax savings.
E. A charitable lead trust offers significant estate tax benefits.
F. Cash gifts. These types of gifts provide a tax deduction and are easy to make if you have liquid assets that are not needed now.
G. Appreciated stock, securities, real-estate & tangible personal property gifts may offer significant tax benefits.
*To make a legacy gift, consult with your your lawyer and/or tax/financial consultant.
Legacy gifts state that I believe my Church should continue into the future as an expression of what has been meaningful in my life and as my blessing upon the next generation.
What resources are available to help guide me through this process?
Members of St. John’s Legacy Committee
Trusted family advisors (CPA, Attorney, Financial Planner, Insurance Agent)
Below: Bishop Rob with St. John's parishioners Spotswood, Charlotte, and Jim at the annual Legacy Society Lunch, 2016.


IMany taxpayers are finding it difficult or impossible to pay their tax liabilities. In many cases, their tax liabilities are growing quickly as interest and penalties accrue. Ultimately, the IRS will attempt to levy their assets or garnish their wages. In certain situations, however, the IRS may agree to substantially reduce a taxpayer’s tax debt. Taxpayers may submit an “Offer in Compromise” to the Internal Revenue Service seeking to have their tax liability (including penalties and interest) reduced.
Generally, the IRS will not accept a proposed decrease in tax liability if it concludes that it can reasonably collect the full amount of the tax liability. In order for the Internal Revenue Service to make this determination, it requires that the taxpayer seeking the Offer in Compromise submit financial statements showing assets, liabilities, income and expenses. The IRS also considers the taxpayer’s potential for future income and allows for certain basic living expenses in determining the reasonableness of an Offer in Compromise. If the IRS concludes that the reasonable collection potential for a certain tax liability is greater than the amount offered, it will reject the Offer in Compromise.
The IRS may accept an Offer in Compromise on three grounds:
- Doubt as to collectability. If it is doubtful that the taxpayer could ever pay the full tax liability owed within the remainder of the statutory period for collection, then the IRS is likely to allow the taxpayer to pay a lower amount in full satisfaction of the tax liability.
- Doubt as to liability. If there is a reasonable possibility that the assessed tax liability is not accurate, the IRS may agree to accept a lower amount. For example, if the taxpayer can establish that the IRS has made an error or the taxpayer has new evidence in favor of its position, the IRS will consider these facts.
- Exceptional circumstances. Even if there is no doubt that the assessed tax is correct and there is potential to collect the full amount of the tax owed, in certain exceptional circumstances the IRS will still consider an Offer in Compromise. In order to obtain an Offer in Compromise due to exceptional circumstances, the taxpayer must establish that the collection of the tax would create an economic hardship or would be unfair and inequitable.
In certain instances, if the Internal Revenue Service rejects an Offer in Compromise, it may propose a higher settlement figure. For taxpayers facing significant tax liability, an Offer in Compromise may provide much needed financial relief. Although the criteria are somewhat different, similar tax relief is also available from the Franchise Tax Board and Board of Equalization. To schedule a consultation to explore the possibility of seeking an Offer in Compromise, please contact Troy Kingshaven, Esq. at (831) 373-1241.
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What's Your Property Worth?
One of the recent trends in real estate has been for national websites like Zillow and others to offer “automatic” valuations of your property. When we real estate professionals have challenged their numbers or asked how in the world they came up with their valuations, they have mumbled something about “complicated computer-generated algorithms”.
Our local High Country real estate market is quite unusual in that, unlike big cities, we seldom have two properties that are exactly alike. Even homes that are right next to one another may have completely different views or lot terrain. Seldom has a whole development been built at the same time. Immediately adjacent subdivisions or neighborhoods may be surprisingly different. An “automatic” valuation system or “algorithms” cannot take these varying conditions into account. For that, you need a real, live, experienced real estate professional who is familiar with the nuances of the local market.
To help you establish an appropriate asking price for your property, I would prepare a Comparative Market Analysis Report (a “CMA”) that would look at similar properties that have sold within the past year and others that are now on the market that would be likely to be shown with your property. I would select comparable properties that would appeal to a similar buyer. CMAs differ from appraisals by considering on-the-market properties as well as sold properties. There is no charge for this helpful report and information.
If you are a Buyer and I am representing you as your Buyer’s Agent, I would prepare a similar market evaluation for you for property you are considering purchasing. Again, there is no charge for this personal service.
So, while “automatic” valuations are increasingly available, they are still not as reliable as your friendly real estate agent! I’m here to help!


Deriving income from the customers in a state without any physical presence in the state is the main feature that distinguishes digitalised businesses from the traditional businesses. It is a well-known fact that under the current traditional taxation rules, the business income of a non-resident enterprise would be taxable only the state in which enterprise is resident, unless it has a PE in the market state. In a case where the non-resident enterprise has a PE in the market state, then only income that is derived from that PE and it is attributable to it would be taxable in the market state. However, the traditional PE definition is entirely based on a taxable physical nexus which does not allow it to catch the income derived (i) from a country without any physical presence and (ii) from innovation new concept of value creation. This situation has triggered a political and academic discussion about how international taxation can be reformed to provide a "reasonable and stable system for taxing profits of MNEs in the 21st century".
Policymakers in all levels are currently struggling to find sustainable solutions which can ensure effective and fair taxation for taxpayers and tax authorities. In this regard, while some states have already taken some measures to tax the provision of some sort of digital services and goods by implementation Digital Service Taxes unilaterally, creating a new nexus ( Digital PE), allocating taxing right based on value creation and rethinking of profit allocation methods are the remain main subjects on the agenda of competent authorities.
This book is grouped into four parts:
The first part deals with the traditional permanent establishment concept by considering the OECD Model Convention and some international court cases.
The second part address the multilateral and unilateral measures regarding the taxation of digital economy and specific to the permanent establishment issue.
The third part of this book is focused on Value Creation in digital economy by providing some business models specific to the use of data.
The last part of this book aims to give a summary of the present and the proposed relevant profit allocation methods for taxation of digital economy.
|Basım Tarihi||:||Ocak 2021|
|Basım Yeri||:||Türkiye / İstanbul|
|Boyutlar||:||16,00 x 23,50 cm|
|Kağıt Tipi||:||2. Hamur|


Tuition Assistance, Scholarships, and Loan Forgiveness
A master's degree is a substantial financial investment. There are numerous funding opportunities and nursing scholarships available to Nursing@Georgetown students, which we encourage you to explore:
- Federal Student Aid
- Graduate PLUS Loans
- Nursing Education Loan Repayment Program
- Public Service Loan Forgiveness Program
- National Health Service Corps Scholarships and Loan Options
- Nursing Scholarships and Nursing Grants
- Scholarships for Minority Students
- State-by-State Scholarships
- Georgetown University Office of Student Financial Services
In addition to these options, many health care organizations support their employees by offering tuition assistance for graduate nursing education. We encourage you to independently research funding opportunities that may be available to you through your employer, local agencies, or private organizations.
If you would like to know more about third-party billing and tuition benefits, contact the Office of Student Accounts.


If you are new to Web3, you may be feeling overwhelmed by all the buzzwords and jargon that are used to describe this new technology. But don't worry, you are not alone. Many people are just starting to learn about Web3, and it can take some time to understand all the different concepts and terms.
This blog post will help to explain some of the most common Web3 buzzwords, including terms like decentralised finance (DeFi), decentralised applications (dApps), and non-fungible tokens (NFTs). By the end of this blog, you should have a better understanding of these terms and how they are being used in the world of Web3, blockchain and cryptocurrency.
The metaverse is a term used to describe a collective virtual shared space, created by the convergence of the physical and digital worlds. It is a concept that is often associated with science fiction, but is increasingly being discussed in the context of emerging technologies like virtual reality (VR), augmented reality (AR), and blockchain. The metaverse is seen as a potential future where people can interact with each other and with digital objects in a fully immersive and interactive online environment. It is envisioned as a global digital platform that will allow people to create, share, and experience a wide range of virtual experiences.
A blockchain is a digital ledger of transactions that is distributed across a network of computers. Each block in the chain contains a record of multiple transactions, and once a block is added to the chain, it cannot be altered.
This allows for a secure and tamper-proof way to store and transfer data without the need for a central authority.
Non-fungible token (NFT)
A NFT is a non-fungible token, which is a unique digital asset that represents ownership of a digital item, such as a piece of artwork or collectible. Unlike traditional cryptocurrencies, which are interchangeable and have the same value, NFTs are unique and cannot be replicated. This makes them ideal for representing ownership of digital items that have value because of their uniqueness.
A digital wallet is a piece of software that allows users to securely store their cryptocurrencies and make transactions with them. It works by generating a unique, cryptographic address for each user, which is used to send and receive digital assets. This address is stored on the blockchain, and because the blockchain is transparent and immutable, it allows users to easily and securely manage their digital assets without the need for a central authority.
Smart contracts are self-executing contracts with the terms of the agreement between buyer and seller being directly written into lines of code. The code and the agreements contained therein are stored and executed on the blockchain. Smart contracts allow for the automation of digital transactions, which can help to make them more secure, efficient, and transparent.
They can be used for a wide range of applications, from simple financial transactions to more complex business processes. Because they are stored on the blockchain, smart contracts cannot be altered or deleted once they have been created. This helps to ensure their integrity and enforceability.
AI, GPT and ChatGPT
Currently taking the world by storm, ChatGPT is a language model chatbot built by OpenAI and is built upon GPT (Generative Pre-trained Transformer). GPT is a machine learning model that uses deep learning techniques to generate natural language text. ChatGPT uses GPT-3 specifically and is an advanced version of the GPT model that has been trained on a massive dataset, allowing it to generate text that is often indistinguishable from that written by a human. In simple terms, ChatGPT is an AI model that can generate human-like text based on the given prompt and it can be fine-tuned to perform specific tasks.
GPT-based models, like GPT-3, will likely have a major impact on the development of Web3 and decentralised technologies. GPT-3, in particular, has been used in a variety of ways to improve the functionality of decentralised applications, including natural language processing for decentralised finance platforms, content generation for decentralised social media, and automating smart contract development.
Layer 1 refers to the underlying infrastructure of a blockchain network. This typically includes the protocols, rules, and consensus mechanisms that govern how the network operates and how transactions are processed and verified. Layer 1 is the foundation upon which other layers of the blockchain are built, and it is often considered the most important and fundamental layer. It is sometimes called the "base layer" or the "network layer" of a blockchain.
Layer 2 refers to additional protocols or technologies that are built on top of a blockchain's underlying layer 1 infrastructure. These technologies are designed to improve the scalability, efficiency, or functionality of a blockchain network, and are often referred to as "off-chain" solutions. Technologies built within Layer 2 can help to increase the throughput of a blockchain network, reduce transaction fees, or enable new use cases that are not possible on the base layer alone.
In order to add a transaction to a blockchain, it must be verified by other users on the network. This verification process requires computing power, and users who contribute their computing power to the network are rewarded for their efforts.
However, this process also requires a fee to be paid. This fee, called a "gas fee," is paid to the users who verify the transaction and add it to the blockchain. This fee is designed to incentivise users to continue contributing their computing power to the network and to prevent spam or malicious transactions from clogging up the network.
In simple terms, gas fees are the fees paid to users who help verify transactions and add them to the blockchain. These fees are an important part of how a blockchain network functions and are essential to its security and stability.
Decentralised identity (DID)
Decentralised identity, also known as self-sovereign identity, is a digital identity that is owned and controlled by the individual, rather than by a central authority such as a government or corporation. This means that the individual has full control over their personal information and data, and can choose how and with whom to share it.
The goal of decentralised identity is to give individuals more control over their personal data and to enable more secure and efficient digital interactions.
Decentralised application (dApp)
A decentralised application is a type of software application that runs on a decentralised network, such as a blockchain. Unlike traditional applications, which rely on a central server to function, dApps are distributed across a network of computers, which makes them more resistant to censorship and downtime. dApps can be used for a wide variety of purposes, such as creating a digital currency, managing supply chain logistics, or building a social network.
Decentralised finance (DeFi)
Decentralised finance, or DeFi, is a financial system that is built on top of a blockchain. This means that it is not controlled by any central authority, such as a bank or government, but rather is managed by a network of users who interact with each other directly using smart contracts.
DeFi allows for the creation of financial applications and services that are open, transparent, and accessible to anyone with an internet connection. This can include everything from lending and borrowing, to trading and investing, to insurance and prediction markets. The goal of DeFi is to provide people with greater access to financial services and to enable more inclusive and efficient financial systems.
Decentralised storage is a way of storing data that involves distributing the data across a network of devices, rather than storing it on a central server. This means that no single device or entity has complete control over the data, making it more resistant to things like data breaches and outages. In general, decentralised storage systems are designed to be more secure, reliable, and scalable than traditional centralised storage systems.
Decentralised governance is a system in which decision-making power is distributed among multiple parties, rather than being concentrated in a single central authority. This can take many forms, but the general idea is that decisions are made through a collaborative, participatory process that involves multiple stakeholders. In a decentralised governance system, power is distributed among various users, such as individuals, organisations, or communities, who all have a say in how decisions are made. This can make decision-making more transparent, inclusive, and democratic, and can help to prevent abuses of power.
Decentralised exchange (DEX)
A decentralised exchange (DEX) is a type of cryptocurrency exchange that operates without a central authority. This means that it is not controlled by any single entity, such as a company or government, and instead relies on a distributed network of computers to facilitate the buying and selling of cryptocurrencies. In contrast to centralised exchanges, which are more common, decentralised exchanges allow users to retain control over their funds and personal information, making them more secure and private. However, they often lack the features and liquidity of centralised exchanges, which can make them more difficult to use.
Proof-of-work is a type of algorithm used by some blockchain networks to achieve distributed consensus. In a proof-of-work system, network participants (called "miners") compete to solve complex mathematical problems in order to validate transactions and add them to the blockchain. The first miner to solve the problem is rewarded with a certain number of tokens or cryptocurrency. The difficulty of the problems is adjusted over time to ensure that the network processes transactions at a steady rate.
Proof-of-stake is a type of algorithm used by some blockchain networks to achieve distributed consensus. In a PoS system, the likelihood that a user will be chosen to add a new block to the blockchain is proportional to the amount of cryptocurrency that they hold. This means that users with a larger stake in the network (i.e. those who hold more of the network's cryptocurrency) have a higher chance of being chosen to add a new block, and therefore earn the reward associated with that block.
In contrast to proof-of-work (PoW) systems, which use mining to achieve distributed consensus, PoS systems do not require users to perform any computation in order to add new blocks to the blockchain. This means that PoS systems are typically more energy-efficient than PoW systems.
In simple terms, PoS is a method for achieving distributed consensus in a blockchain network that does not require mining. Instead, users with a large stake in the network have a higher chance of being chosen to add new blocks and earn rewards.
Overall, the benefits of web3 are numerous and wide-ranging. By providing greater security and privacy, enabling more decentralised and inclusive applications and services, improving business operations, and enabling new economic models, web3 has the potential to revolutionise the way we interact with the web, and create new opportunities for growth and innovation.
Web3 also has the potential to revolutionise the healthcare industry, with blockchain technology being decentralised and secure, it makes it an ideal solution for storing sensitive data like patient records while also only allowing access to authorised parties.
Blockchain could also be used in the clinical trial process, from recruiting participants to storing data and sharing results. All parties involved in a trial would be able access data in real-time and ensure data integrity.
Medical research is also another area within healthcare that could benefit from a blockchain based solution. By potentially facilitating a more efficient and secure sharing of medical research data among researchers, institutions and companies, that could lead to faster and more impactful discoveries.


We rely on client feedback to constantly improve our level of service and the way we do insurance. Understanding your situation, your circumstances and your financial position gives us the best possible standpoint to meet your expectations and needs.
Founder and CEO, Anette Davis, has decades of experience in the insurance industry. She has worked to help several major insurers develop their products and services to be more client-centric, and take responsibility for each and every client. In 2014, she won the National Sanlam Businesswoman of the Year award in the commercial category.