Home – Semi truck Financing #lease #purchase #truck #jobs, #semi #truck #financing


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Easy Rig Lease

469.317.0701

Semi truck financing bad credit, semi truck financing no money down, semi truck finance florida, lease sale semi trucks guarenteed financing, semi truck financeing

    • At Easy Rig Lease we make it simple and fair. Regardless of your past credit problems we can put you behind the wheel of your OWN semi truck or procure lease or financing for a trailer or any construction equipment. Semi truck financing and leasing is our specialty. Whether you see a semi truck listed for sale on this site, or have your eye on a semi truck for sale elsewhere, we will finance it for you. Easyriglease.com can pre-approve you for semi truck financing today! Current loan and lease offers available nationwide.
      We specialize in financing people with

      • Bankruptcies
      • Repossessions
      • Tax Liens
      • Slow Pay

        Here is a sample of an application that has a good chance of getting approved

        2. Provide Copy of your last 3 bank statements

        3.Provide a letter of employment or letter of intent to hire. Need a job? www.elitedrivingjobs.net

        You can either attach these documents to the bottom of the application
        or Fax them to 631-489-0129

        The main direction of the company is the sales of trailers, Trucks, and heavy duty commercial equipment. Years of experience allows us to bring you competitive rates and sell only quality equipment. We can help with the following:
        Semi truck Financing | Semi Truck Lease | bad credit semi truck finance | used semi truck financing | semi truck financing with bad credit | high risk semi truck financing | guaranteed semi truck financing | financing for semi truck | financing a semi truck | financing companies for semi trucks | semi truck financing | semi truck financing bad credit | semi truck financeing bad credit | bad credit semi truck financing | bad credit financing semi truck | easy semi truck financing

        The year 2009 proved to be another great year for the commercial truck financing industry. How commercial truck financing works is still dominated by modes of transport, Approximately 62% of the commercial truck finance portfolio is movable property. However, since then there has been a cycle of commercial truck sales going up and down. Now we are starting to see gradual increases as the market share of commercial finance truck, machinery and industrial equipment is coming back to life. Over the last year it rose from 30.8% to 32.3% and this increase is undoubtedly the result of a clear recovery in the economy, especially when it comes to financing commercial truck. The total value of commercial financing truck last year of all vehicles exceeded 12 million (about 37% more than last year), including cars and trucks amounted to about 13 million. In this group the highest proportion of truck sales came from financing commercial trucks, about 38.6% were heavy duty trucks. After four quarters of 2006 the value of financing commercial trucks was an estimated two billion and was 45% higher than 2005. The average value of a commercial truck financing loan was over 80 thousand.
        Easy commercial truck financing is currently the fastest growing subgroup of the leasing market of road transport. Last year, over 22% of used commercial truck financing was financed through the form of leasing and the total value of financing for commercial trucks was up by an estimated 58% higher than in the last few years. These are very good results for heavy commercial truck financing. This confirms that the leases are getting better while commercial truck financing rates remain the same. The leasing sector in the market of bad commercial credit financing truck sales and service is continuing to gain popularity among most companies, especially in Tampa fl commercial truck financing is rapidly growing amongst fleet management services.
        The top companies on the leasing market of financing low commercial truck loans remain relatively low because only 10 percent increases of profit were recorded in the commercial truck loans and financing segment. According to members of the Association of leasing companies the development of the industry can use government funds to help with bad commercial credit financing truck. The high demand for owner operators is constantly growing, however it is estimated that 70 percent of owner operators do not have good credit. Owner operators are the force driving the industry that is why there has to be some form of guaranteed commercial truck financing.
        In 2006, banks that specialized in bad credit commercial truck financing lent approximately 8 billion for the purchase of over 298.3 thousand trucks. The financial result is better than that of 2005 by 2.3% and means that fewer banks sold loans (-4.4%). The average value of commercial truck financing bad credit in 2006 was 50,000 and is almost 2.5 times less than the average amount granted for car leasing. There are 2 reasons for this disparity. First, customers of banks much more often choose a mixed option (cash + credit) to finance your vehicle which is greater than leasing on its own. Second, banks have in their portfolio a significant amount of repossessed trucks that qualify for inhouse financing on commercial trucks. They are much cheaper than new ones – for example in the case of the transfer in October by Fortis Bank and fifth in the ranking of 100% share of credit provided was for repossessed trucks.
        On the market for direct financing for commercial trucks most lenders guaranteed financing on commercial trucks and successfully introduced more than 10 different promotions for new vehicles. Some of them are dedicated to selected partners while others are open for everyone.
        According to the very optimistic forecasts of commercial truck financing for bad credit sales of new trailers and trucks, including the value of their loan should be much higher than the prior year. This is mainly because too many loans were given out. A similar dynamics of growth of credit share of funding should demonstrate that bruised credit commercial truck financing is still possible, since there is no clear evidence that repossessions fell sharply and rose. Despite this, 2010 promises to be very interesting because the presidents of the largest banks, non-automotive corporations, announced a fierce competition for the lead in the market for owner operator commercial truck financing. Remember that competition is the best guarantee of high quality low price, namely the cost of credit. So it appears that they will be more accessible and hopefully give owner operators a lower interest. Taking into consideration the total number of all credit type commercial truck financing applicants that apply for loans is steadily rising, by next year there should be more commercial truck leasing financing programs because the average time for commercial financing leasing trailer truck is 36 months.

        New!

        Bad credit business loans for your trucking business. Equipment financing Credit repair help for better rates.


    Calculate Beta With Historical Market Data, yahoo finance api historical data.#Yahoo #finance


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    Calculate Beta With Historical Market Data

    This tool calculates beta across any time frame for any stock against any benchmark. It uses historical stock quotes downloaded from Yahoo Finance.

    But this spreadsheet goes one step beyond this, and gives you a value of beta for your specific requirements

    Beta measures historical systematic risk against a specific benchmark, and the values given on Yahoo Finance and Google Finance aren t quite what you need. For example, Yahoo gives beta for the trailing 3 years against the S P500 but you need beta for the five years between 1995 to 2000 against the FTSE 100.

    If so, this spreadsheet is perfect for you. Just enter

    • a stock ticker whose beta you want
    • a benchmark ticker
    • and two dates

    After you click the prominently-placed button, the tool grabs the historical market data from Yahoo Finance and calculates beta.

    In the following screengrab, we ve calculated the beta of Exxon Mobil (ticker: XOM) against the S P500 for the three years trailing 31st March 2015.

    Yahoo finance api historical data

    You could, if wanted, change the time period or swap out the benchmark for NASDAQ 100 (ticker: ^NDX).

    The value of beta given by this tool (specifically, the beta of the close prices) matches that quoted by Yahoo Finance.

    7 thoughts on Calculate Beta With Historical Market Data

    Hello Samir khan,

    I have downloaded spreadsheet calculate beta with historical market data on my laptop from your website http://www.investexcel.net. But it is not working in my open office even after enabling macros. Do I require to record macros, run macros, or organise macros?

    Would you guide me in this regard so that spreadsheet starts working.

    Please send a reply quickly.

    It won t work in Open Office.

    Hello Samir khan,

    Can I download the spreadsheet calculate beta with the historical market data in the EXCEL ONLINE ?

    Please send a reply. thanks

    Does not work on Excel for Mac, ver. 15.15 (latest update for Office for Mac 2016). Clicking the Download Historical Stock Data and Calculate Beta button gives me a Compile error in hidden module: Module 1 message.

    This spreadsheet no longer works, I suspect because Yahoo changed the column order for historical price downloads. Macro reports Run-time error 1004 : Method Range of object _Global failed .

    Could you update the algorithm for obtaining historical data from Yahoo in this spreadsheet Excel Calculate Beta With Historical Market Data ?

    In May, Yahoo! curtailed their free datafeed API that was supplying free data to Pairtrade Finder.

    Over the last month, we ve been able to build a new bridge for Pairtade Finder to enable our

    users to continue to use Yahoo! to source free data. We ve also upgraded the IQ Feed connection

    in the latest version to ensure that no matter what happens with Yahoo! (they just merged with Verizon)

    you always have access to high-quality data.


    How to import historical stock data from Yahoo Finance into Excel using


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    How to import historical stock data from Yahoo Finance into Excel using VBA

    In this article, we are going to show you how to download historical stock prices using the Yahoo Finance API called table.csv and discuss the following topics that will allow you successfully import data in Excel from Yahoo in a simple and automatic way:

    • Yahoo Finance API
    • Import external data into Excel
    • Import data automatically using VBA
    • Dashboard and user inputs
    • Conclusion

    Before we delve into the details of this subject, we assume that you know how to program in VBA or, at least, that you have already some notions of programming, as we are not going to introduce any basic programming concepts in this article. However, we hope to post other articles in a near future about more simple aspects of programming in VBA.

    You can find the whole code source of this tutorial on GitHub, or you can download the following Excel file that contains the VBA code together with the Dashboard and a list of stock symbols: yahoo-hist-stock.xlsm.

    Yahoo Finance API

    Yahoo has several online APIs (Application Programming Interface) that provides financial data related to quoted companies: Quotes and Currency Rates, Historical Quotes, Sectors, Industries, and Companies. VBA can be used to import data automatically into Excel files using these APIs. In this article, we use the API for Historical Quotes only.

    It is of course possible to access Yahoo Finance’s historical stock data using a Web browser. For example, this is a link to access Apple’s historical data, where you can directly use the Web interface to display or hide stock prices and volumes.

    Yahoo finance api historical data

    Now, the first step before writing any line of code is to understand how the Yahoo Finance API for Historical Stock Data is working, which implies to first learn how URL (Uniform Resource Locator) are built and used to access content on the Web. A URL is a Web address that your browser uses to access a specific Web page. We give here some two examples of Yahoo’s URLs.

    • This is how a URL look like when navigating on Yahoo Finance’s Web site:

  • And this is how the URL of Yahoo Finance API look like when accessing historical stock data:

    Note that these URLs both access stock data related to symbol GOOGL, i.e. the stock symbol for Google.

    However, except the fact that there are tow distinct URLs, they are also quite different in the result they return. If you click on them, the first simply returns a Web page (as you would expect), while the second returns a CSV file called table.csv that can be saved on your computer. In our case, we are going to use the table.csv file.

    Here is an example of data contained in this file. The table.csv file contains daily stock values of Google from the 24th to 30th December 2015.

    As you can see, the returned CSV file always contains headers (column names) in the first line, columns are separated by comma, and each line contains measurements for a specific day. The number of lines contained in the file depends on the given parameters (start data, end date and frequency). However, the number of columns (7) will always be the same for this API.

    The first column [Date] contains the date for every measurement. Columns 3 to 5 [Open,High,Low,Close] contains stock prices, where [Open] represents the recorded price when the market (here NasdaqGS) opened, [High] is the highest recorded price for a specific time interval (e.g. day), [Low] is the lowest price for a specific time interval, and [Close] is the price after the market closed. [Volume] represents the number of transactions executed during the given time interval (e.g. for a day, between market opening and closure). Finally, the [Adj Close] stands for Adjusted Close Price and represents the final price at the end of the day after the market closed. It may not necessary be equal to the [Close] price because of different business reasons. So, usually, we prefer to use the Adjusted Close Price instead of the Close Price.

    Now, if you look more closely at URL, we can see that it is composed of two main parts (one fixed and one variable): (1) the Web site and file name [http://ichart.finance.yahoo.com/table.csv] that is fixed, and (2) the parameters that can be modified in order to get historical data from other companies and/or for different periods of time [s=GOOGL a=0 b=1 c=20 14 d=5 e=30 f=2016 g=d]. These two parts are separated with a special character: the question mark [?].

    Let’s take a closer look at the the URL parameters following the question mark. Parameter name and value must always be passed together and are separated by an equal sign “=“. For example, parameter name “s” with value “GOOGL” gives parameter “s=GOOGL” that is then attached to the URL just after the question mark “?” as follow:

    Note here that only parameter “s” is mandatory. This means that the above URL is valid and will download a file containing all historical stock data from Google (on a daily basis), i.e. since the company was first quoted on the stock exchange market. All other parameters are optional.

    Additional parameters are separated with symbol “ ” from each other. For example, if the next parameter is “g=d” (for daily report), the URL becomes:

    Note the difference between “g” and “d”, where “g” is the parameter name whereas “d” is the parameter value (meaning “daily”). Note also that the order in which parameters are appended to the URL is NOT important: “s=GOOGL g=d” is equivalent to “g=d s=GOOGL”.

    For the Stock Symbol parameter “s”, a list of symbols (called tickers) can be found here.

    Additionally, one might also want to to target a specific period of time. Fortunately, the API also accept parameters that allows us to reduce or increase the time window by using more parameters. Here is an exhaustive list of all parameters from the Historical Stock API:


  • Finance for non-financial managers, finance for non finance managers course.#Finance #for #non


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    Finance for non-financial managers

    Finance for non finance managers course

    • Price: 75.50 kr
    • Price: €8.99
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    • Price: $8.99
    • Price: 75.50 kr
    • Price: 75.50 kr

    Download for FREE in 4 easy steps.

    Finance for non finance managers course

    Corporate eLibrary

    Discover our employee learning solutions

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    You can get free access for a month to this – and 800 other books with the Premium Subscription. You can also buy the book below

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    Finance for non finance managers course Finance for non finance managers course

    Corporate eLibrary

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  • About the book

    Description

    Today’s managers need to be more commercially aware more so than ever before. Even if they do not have to manage budgets or finances themselves as part of their role they still need to understand about the financials of a company, what it all means and the impact of their actions on the bottom line.

    In this textbook you’ll receive a thorough grounding that explains what all of the financial statements of a company means from a “non finance” point of view. Explained in easy to understand language, you will soon gain a great insight into the finance aspects of a company even if you have no direct input into the financials yourself.

    Preface

    Today’s managers need to be more commercially aware more so than ever before. Even if they do not have to manage budgets or finances themselves as part of their role they still need to understand about the financials of a company, what it all means and the impact of their actions on the bottom line.

    In this textbook you’ll receive a thorough grounding that explains what all of the financial statements of a company means from a “non finance” point of view. Explained in easy to understand language, you will soon gain a great insight into the finance aspects of a company even if you have no direct input into the financials yourself.

    Sean McPheat, the Founder and Managing Director of management development specialists, MTD Training is the author of this publication. Sean has been featured on CNN, BBC, ITV, on numerous radio stations and has contributed to many newspapers. He’s been featured in over 250 different publications as a thought leader within the management development and training industry.

    MTD has been working with a wide variety of clients (both large and small) in the UK and internationally for several years.

    MTD specialise in providing:

    • In-house, tailor made management training courses (1-5 days duration)

    • Open courses (Delivered throughout the UK at various locations)

    • Management & leadership development programmes (From 5 days to 2 years)

    • Corporate and executive coaching (With senior or middle managers)

    MTD provide a wide range of management training courses and programmes that enable new and experienced managers to maximise their potential by gaining or refining their management and leadership skills.

    Our team of highly skilled and experienced trainers and consultants have all had distinguished careers in senior management roles and bring with them a wealth of practical experience to each course. At MTD Training we will design and deliver a solution that suits your specific needs addressing the issues and requirements from your training brief that best fits your culture, learning style and ways of working.

    Our programmes are delivered when and where you need them! We believe that training should be fun, highly interactive and provide “real world” practical techniques and methods that you can use back in the office – and that’s exactly what we provide.

    Content

    1.1 Understanding Finance Basics

    1.2 Three Basic Finance Principles

    1.3 Basic Finance Terms

    1.4 Overview of the Ebook

    2. Financial Information Every Organization Needs

    2.2 Bookkeping (Accounting)

    2.3 Chart of Accounts

    2.4 The General Journal (Original Book of Entry)

    2.5 The General Ledger

    3.2 What a Balance Sheet Tells You

    3.3 What the Balance Sheet Doesn’t Tell You

    4.2 Elements of the Income Statement

    4.3 What an Income Statement Tells You

    4.4 What an Income Statement Does Not Tell You

    5.2 Cash Flow Categories

    5.3 Preparing the Cash Flow Statement

    6.2 Approaches to Budgeting

    6.3 Reading the Budget

    7.2 How Important is Price?

    7.3 Demand for the Product or Service

    7.4 Your Environment

    7.5 Pricing Strategies

    8. Applying Your Knowledge


    Entrepreneurship – The New York Times, small business finance blog.#Small #business #finance


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    Entrepreneurship

    The Rebranding of the Bronx

    A cadre of homegrown artists, designers and entrepreneurs are giving the South Bronx an image transplant.

    By RUTH LA FERLA

    Small business finance blog

    Entrepreneurship

    Bubble Tea Purveyors Continue to Grow Along With Drink’s Popularity

    Entrepreneurs marketing the beverage hope to ride tea’s rising popularity to expand their businesses and steal more of coffee’s market share.

    By JOANNE KAUFMAN

    Small business finance blog

    Entrepreneurship

    When a Scented Candle Just Won’t Do

    Companies that sell commercial fragrance systems for stores and hotels have introduced high-end devices for the home, aiming to vanquish plug-ins.

    By JOANNE KAUFMAN

    Small business finance blog

    Small Businesses Split Over Republican Health Plans

    Small-business owners, some of the most vocal opponents of the Affordable Care Act, are divided over Republican plans to reverse much of the law.

    By STACY COWLEY

    Small business finance blog

    Paid Petsitting in Homes Is Illegal in New York. That’s News to Some Sitters.

    The arrival of dogsitting apps like Rover and Wag has led the city to dust off a rule against caring for pets for pay in homes.

    By SARAH MASLIN NIR

    Small business finance blog

    Beer Makers Who Used Other Breweries Are Opening Their Own

    A sense of place, and a place to sell, are suddenly important in the beer world. So contract, or “gypsy,” brewers are putting down roots.

    By JOSHUA M. BERNSTEIN

    Small business finance blog

    In Social Sports, It’s About Camaraderie, Not Competition

    Businesses step in to provide personal connections through leagues for sports like kickball and dodge ball.

    Small business finance blog

    For Fashion Week, an Archivist Comes Down From the Attic

    For the designer Emily Adams Bode, the shock of the new is worth less than the thrill of the old.

    By MATTHEW SCHNEIER

    Small business finance blog

    Four Questions

    Custom Suits for Guys Who Thought They Were Out of Reach

    With custom-made garments and pieces from under-the-radar clothiers at discount prices, Brooklyn Tailors meets an unexpected demand.

    Small business finance blog

    Entrepreneurship

    Travel Agents? No. Travel ‘Designers’ Create Strategies, Not Trips.

    Boutique travel agencies have carved a specialty out of catering to wealthy clients who want curated long-term travel plans.

    By JOANNE KAUFMAN

    Small business finance blog

    The South Park Commons Fills a Hole in the Tech Landscape

    The Bay Area tech scene has start-up incubators and hacker spaces. But what do you do when you want to figure out your next move?

    Small business finance blog

    Prototype

    Feel the Noise: Homemade Slime Becomes Big Business

    The market for slime — a sticky substance in a multitude of colors — is thriving in a cottage industry run by fourth-graders, teenagers and young adults.

    By CLAIRE MARTIN

    Small business finance blog

    Retiring

    When Mom and Pop Can’t Sell the Farm (or in This Case, the Theme Park)

    Larry and Helene Donley want the Wild West Town they built to survive them, but their sons and grandchildren are ready to move on. What to do?

    Entrepreneurship

    A New Lure for Spa Customers? A Salt Cave

    Hundreds of spas now offer salt therapy, which some claim can treat asthma and eczema and even regulate blood pressure, though there is no proof.

    By JOANNE KAUFMAN

    Small business finance blog

    Economic View

    Why Women Don’t See Themselves as Entrepreneurs

    Research shows that women are less likely to consider entrepreneurship, largely because they don’t see other women entrepreneurs as role models.

    By CLAIRE CAIN MILLER

    Small business finance blog

    Corner Office

    Chip Bergh on Setting a High Bar and Holding People Accountable

    The chief executive of Levi Strauss & Company says leaders have to be straight with employees, and tell them if their performance is falling short.

    Small business finance blog

    Now, Your Financial Advisers Will Have to Put You First (Sometimes)

    A new fiduciary rule, which takes partial effect on Friday, will help investors assess the fees they are charged as well as the motives of the people who guide them.

    The Workologist

    Stuck in the Middle (With Good Ideas)

    Friendships at work are wonderful, but they can cause problems when you feel obligated to solve issues that aren’t your responsibility.

    Small business finance blog

    Entrepreneurship

    How Much Did That Zipper Cost? With Transparency Pricing, You Know Everything

    Some online retailers have taken to explaining in exhaustive detail how much their wares cost to make, so consumers know what they are paying for.

    By IMAN STEVENSON

    Small business finance blog

    Corner Office

    Barbara Corcoran on the Power of a Positive Attitude

    The judge on “Shark Tank” says she likes to invest in entrepreneurs who will persevere and always find a way to succeed.

    Small business finance blog


    Washington D #zero #hedge,zerohedge,finance,economics,markets,politics,analysis,nbc,reuters,washington #d.c.,white #house


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    Washington D.C. Turned Into Virtual Fortress As 250,000 Protesters Descend Upon The City

    Over the past couple of days, we’ve highlighted a couple of the mass protests that are being planned by disaffected Hillary supporters in an effort to disrupt the various Trump inaugural events that get kicked off tomorrow evening. Perhaps the most aggressive “disruptions” have been planned by groups called “DisruptJ20” and the “DC Anti-Fascist Coalition” and include plans to “paralyze the city” with “clusterfuck blockades” of bridges and tunnels, “stink bombs” in ventilation systems and chaining metro trains to station platforms to shut down rail traffic. Unfortunately for them, all of their plans were caught on tape by Project Veritas (see “New Video Exposes Anti-Trump Groups Plotting Criminal Acts To Disrupt Inauguration “) so we suspect police will be well prepared.

    As Reuters points out this morning, efforts to disrupt the inaugural process will have to evade a massive force of 28,000 security personnel and miles of fencing and roadblocks fortified by sand-laden dump trucks and other heavy equipment.

    Washington will turn into a virtual fortress ahead of Donald Trump’s presidential inauguration on Friday, as the U.S. capital braces for more than a quarter-million protesters expected during the Republican’s swearing-in.

    About 28,000 security personnel, miles (kilometers) of fencing, roadblocks, street barricades and dump trucks laden with sand will be part of the security cordon clamped around 3 square miles (almost 8 square km) of central Washington.

    “If we do have a mass arrest, we’ll be able to get people processed very quickly,” he said in an interview with Washington’s NBC 4 television station.

    And, if America’s millennial snowflakes are able to break through rhe police fortress they will undoubtedly be met by the “Wall of Meat “ recently promised by the “Bikers for Trump” group which has vowed to go “toe-to-toe with anyone that is going to break through any police barriers.”

    Overall, the inauguration is expected to draw a crowd of 900,000 with 250,000 of those guests showing up to protest the new President-elect.

    Police have forecast that some 900,000 people, both supporters and opponents, will flood Washington for the inauguration ceremony. which includes the swearing-in on the steps of the U.S. Capitol and a parade to the White House along streets thronged with onlookers.

    About 30 groups that organizers claim will draw about 270,000 protesters or Trump backers have received permits for rallies or marches before, during and after the swearing-in. More protests are expected without permits.

    By far the biggest protest will be the Women’s March on Washington on Saturday. which organizers expect to draw 250,000 people.

    Luckily, at least one helpful protest group will be on hand with plans to calm down the rowdy masses by passing out 4,200 doobies.

    One Washington inaugural protest will come amid a haze of pot smoke as pro-marijuana protesters show their opposition to Trump’s choice for attorney general, Alabama Republican Senator Jeff Sessions, a critic of pot legalization.

    The group plans to distribute 4,200 joints at the inauguration and urge attendees to light up. Possession of small amounts of marijuana is legal in Washington, but public consumption is not.

    As we’ve said before, we wish all the protesters the best of luck. we’re sure your dreams of disrupting the democratic process will be well rewarded with a free night’s stay at a local DC jail.

    Come on, come on, turn the White House on
    It’s Inauguration Day and I won’t be long
    Gotta do my hair, put my spray tan on
    It’s Friday night and I won’t be long

    Til I hit the House floor
    Hit the House floor
    I got all I need
    I got tons a cash
    I got tons a cash
    And I got the office baby
    Baby I don’t need dollar bills to do laws up right
    (I hate media shills)
    Baby I don’t need dollar bills to do laws up right
    (I hate media shills)
    But I don’t need their airtime
    They will feel my Tweets
    I don’t need their money
    They will taste defeat


    NACM – National Association of Credit Management #national #association #of #credit #management,


    #

    BENEFITS
    of being a member of NACM

    NACM is committed to assisting every member, meeting their needs and addressing their concerns by offering easy-to-obtain, high-quality products, services and programs.
    Here you will find valuable tools for the credit professional, including links to training resources, online education, useful forms and timely publications.

    Take advantage of these resources and so much more as a member of NACM.

    Visit our Knowledge and Resource Center

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    Business Credit Magazine

    Credit Manager’s Index

    National Trade Credit Report

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    CONSTRUCTION

    Services

    Aug 2, 2017 | 11:01 am

    Aug 1, 2017 | 10:20 am

    Jul 31, 2017 | 13:38 pm

    Jul 28, 2017 | 16:40 pm

    News

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    Written on 2017-08-02

    Written on 2017-08-02

    New Texas Law Will Allow Suppliers and Others to Void Clauses on Projects that Require Out-of-State Resolution: nacmsts.com

    Written on 2017-08-01

    Construction Spending Falls in June: nacmsts.com

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    As the advocate for business credit and financial management professionals NACM and its network of Partners take great pride in being the primary learning, knowledge, networking and information resource for commercial creditors nationwide.

    NACM membership begins with a local NACM partner. Join our network today!

    Follow us on

    National Association
    of Credit Management

    Please schedule a visit. We are located close to Baltimore and not far from DC.


    UAB – Information Engineering – Management #engineering, #professional, #masters #degree, #engineering #management,


    #

    Masters of Engineering Management
    Information Engineering Management
    Online Campus

    What to expect from Our Information Engineering Management (IEM) Master s Program:

    Entrepreneurship focus on Engineering IT management
    Invest 2 days a month for 20 months 100% online
    Engineering undergraduate degree not required
    Flexible classes that fit into work and family schedules
    All online student clients pay in-state tuition
    Real-world focus with immediate life/job use
    Faculty comprised of employed industry leaders
    No GRE/GMAT required for admission

    Is IEM right for you? Here’s what we look for:

    Who we are:

    IEM stands for Information Engineering and Management. We are an executive master degree available in house or 100% online. providing an entrepreneurial focus to engineering and technology.

    Why you want a master degree in Information Engineering and Management:

    You will learn how to network effectively, identify your strengths, bolster your weaknesses, and you will gain the technical skills and perspectives you cannot get anywhere else.


    Best Bridging Loans UK – Fast Decision Bridging Finance #bridging #loan,bridging #finance,lender,broker,uk,residential,commercial,deals


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    Low cost bridging loan deals

    As a specialist bridging finance broker with access to a number of lenders in the UK, we’ll get the best possible deal for you.

    Our bridging loans are designed to suit your individual requirements and we have access to exclusive lending facilities and can beat or match any arrangements that you may have already been offered.

    We can arrange a bridging loan from �30,000 to �5 million on a first or second charge basis. Terms are available from 1-12 months with extensions available. Rates are very competitive.

    We operate a flexible approach to bridging finance and can arrange loans for people with a good or bad credit history, the self employed and limited companies with no accounts.

    Simply complete our quote request form or call us on 0800 292 2115

    Plugging the finance gap

    Traditionally, bridging loans have provided a solution in the broken residential chain. Bridging finance enables someone to purchase one property before they complete on the sale of another.

    So when a buyer for the borrowers property pulls out, they could opt to take out a loan against an existing property (as long as it is not the borrower’s home) to allow them to complete on the purchase of their new home.

    Bridging can also be used where the property in question is unsuitable for mainstream mortgage purposes, where a mortgage offer may have been withdrawn, or where there is a time constraint such as buying at an auction.

    Getting deals done

    In recent times, the credit crunch and subsequent recession has changed the financial landscape considerably. A dramatic fall in mortgage approvals and LTV ratios has meant even quality borrowers have experienced difficulties in securing finance.

    As the mortgage market has stagnated, the role of bridging finance lenders has become increasingly important as a mechanism for getting deals done.

    Bespoke approach

    Specialist short term lenders can often be distinguished from their high street counterparts because they tend to be more flexible in their approach meaning they will look far more closely at a borrower’s circumstances rather than simply applying computer generated credit scoring techniques. Each bridging loan is assessed on its own merits to determine whether it’s a sensible course of action from the perspective of both the borrower and the lender. If the deal makes sense, bridging lenders will do their best to make the funds available as quickly as possible, often within days.

    • Personal or Commercial Loans
    • Loans from �25,000 – �5 million
    • Competitive rates
    • No minimum term
    • No exit fees
    • Fast decision
    • Rapid completion
    • LTVs based on Open Market Value
    • Unlimited mortgage arrears
    • Up to 100% available
      (with additional security)

    Think carefully before securing other debts against your home.
    Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.


    Best Reddit Beauty Forums To Read #reddit #personal #finance


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    The Weird, Wonderful World Of Beauty On Reddit

    Reddit, a forum site where users share links, photos, and advice, was founded about nine years ago. Since then, it has become an Internet powerhouse, garnering nearly 174 million monthly active visitors. and attracting A-list celebrities and industry insiders for its regular AMA (Ask Me Anything) series. The site bills itself as “the front page of the Internet,” and calls its users “redditors.” All of this is incredibly amusing to many new-media companies, considering that its minimalist design essentially mimics Craigslist — in our age of streamlined web design, Reddit looks like it was plucked from the ’90s land of Angelfire and GeoCities.

    The front page is a total hodge-podge — film reviews, funny videos, discussions about Kim Kardashian. Essentially, a redditor posts something or submits a link, video, or photo, and then (hopefully) engagement happens. Interaction within the community is uniquely intense, and redditors are quick to call bullshit if they sense anything that seems disingenuous or sponsored. But, any newbie to the site knows that it can be a bit, well, daunting.

    We spent some time navigating the makeup forums to see what all the hype was about, and were pleased to find that there’s a whole lot of good stuff. In fact, it could be the perfect space for the very saturated, alluring world of beauty. Here’s the lowdown on what you need to know.

    MakeupAddiction, The Beauty Junkie’s Haven
    In the beauty space, we’ve seen the rise of the blogger and the YouTube star. This has spawned countless at-home experts — girls (and boys!) who have watched enough contouring tutorials to teach even the best makeup artist a thing or two. Many of these self-made professionals (in fact, 206,448 of them) find a home in the subreddit MakeupAddiction .

    There, you’ll find everything from a pretty damn spot-on how-to of Taylor Swift’s makeup in the “Blank Space” video to an announcement of Tom Ford’s new lipstick collection (which they managed to post before most editorial sites did). There are also countless threads of people seeking recommendations on filling in their eyebrows or applying liquid eyeliner. And, of course, there are product reviews, swatches of lipsticks and shadows, and sale announcements for the savvy shopper.

    The subreddit essentially takes the term “beauty junkie” to a whole new level. Its participants are engaged with their products, passionate about what they’re writing, and genuinely interested in helping their fellow redditors with skin issues, recommendations, and more. And, even though it can seem overwhelming to a beginner, there is plenty of comprehensive and thoroughly reported advice.

    Case in point: An Excel spreadsheet of just about every makeup blogger worth following, sorted by skin tone and undertone, in order to help you find your beauty guru. Or, there’s the handy guide of what to buy at Sephora. divided by price range — a list that would essentially yield you the same results as if you had a top-tier makeup artist next to you, selecting items for your cart. There’s even a beyond epic guide for taking a selfie that will show off your makeup, including lessons in lighting, iPhone-camera resolution, and posing. Finally (and most delightfully), there are the “HG” lists, which stands for Holy Grail, of course. If you’re smart (and broke), you’d be wise to check out the amazing guide to drugstore beauty products — even we were taking notes.

    Makeup Addiction has gained notoriety in the beauty community, prompting many websites to parody the more interesting threads seen there. It also inspired a rather hilarious YouTube video by Sharon Farrell, who recreated the subreddit’s much-discussed “makeup pet peeves.”

    Some redditors pointed out in the comments that there are two additional subs worth mentioning: Indie Makeup and More and Skincare Addiction. They are, in short, exactly as they sound, and their followers are clearly very passionate.

    Addressing Diversity In The World Of Beauty
    A few redditors have even started subreddits that appear to be inspired by MakeupAddiction — sub-subreddits, if you will. These are more niche areas for users who may feel neglected by the typical beauty blog. There are 11,430 subscribers to Asian Beauty. which is a treasure trove of information about cutting-edge products and innovations that have yet to hit stateside. There’s even a comprehensive guide to Asian skin care. which details each and every step for the ideal routine, and has an ingredients glossary and an FAQ section. On top of that, someone who clearly went to an Ivy League institution organized a list of 149 facial cleansers by pH level .

    Additionally, there are almost 3,000 readers of BrownBeauty. and they have created their own “Holy Grail” list of products that work for deeper skins. They also go crazy when, say, Mindy Kaling posts a photo of her favorite foundations. This forum serves as a special space for women to talk about makeup techniques that address skin concerns unique to people of color.

    And, Things Can Get Weird
    Of course, this being the Internet, there is plenty of room for the bizarre. For example, a very popular thread on mortician makeup made the rounds six months ago, in which professionals chimed in on embalming tactics, how to make discolored lips look rosy and natural, using super glue to temporarily mend lacerations, and handling requests from the departed’s family. There was also a rant about the racial implications of vaginal-bleaching creams. which are apparently quite popular in the Philippines. On the less disturbing side, there’s the subreddit Male Polish. which is home to a whole lot of dudes who know the value of a good varnish.

    There’s Major Team Spirit
    The most incredible thing about makeup on Reddit is that it’s a community. There’s even a sub called Random Acts of Makeup. where subscribers are encouraged to “gift” a product to one another. There’s the boyfriend whose girlfriend was diagnosed with arthritis. leaving her with poor eyesight and painful joints, who found an entire community of beauty addicts pointing him to products and video tutorials, in the hopes that he could eventually do her makeup for her. There’s also the mom who took to Reddit for advice on how to conceal her daughter’s acne scars. so going to school would be a less socially traumatizing experience. Women often engage in discussions about makeup shaming and other issues, empowering one another to make the choices about beauty that feel best. Reddit, it seems, has turned into a (mostly) safe space for the makeup lover.

    It’s What The Beauty World Didn’t Know It Needed
    In an odd way, Reddit is the perfect complement to what’s already happening with beauty in the digital space. On one hand, you have candid product reviews and recommendations, which is similar to the wide world of blogging. On the other hand, you have an avenue of discussion about content that’s already out there — this R29 story gained particular traction thanks to MakeupAddiction. And, finally, there’s the element of open dialogue, which is something that’s missing from so many beauty websites. One of the most challenging things about my job as a beauty editor is producing pieces that hit every mark. Recommending a product or a tip is, at best, a good intention — most things don’t work on everybody. It’s wonderful to see how the beauty fiends on Reddit challenge the status quo and, in turn, fill in the blanks. We could all stand to learn a thing or two from them.


    Business – Finance – Des Moines Public Schools #business #finance #schools


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    Des Moines Public Schools

    For more than 100 years, Des Moines Public Schools has provided an outstanding education to the students of our community. Today, our school district is a leader and innovator in public education, offering families some of the best educational choices in Iowa as we become the nation’s model for urban education.

  • Home to more than 60 schools located in every neighborhood of the community, Des Moines Public Schools provides families with choices to meet the educational needs of students from preschool through college-level courses.

  • With nearly 33,000 students and more than 5,000 employees, there are a lot of stories to tell about the work and accomplishments that take place each day at Des Moines Public Schools. From news releases and articles to our mobile app and social media, keep in touch with Iowa’s largest provider of public education.

      • Office of Superintendent
      • Office of Human Resources
      • Office of Academics
      • Office of Schools
      • Business Finance
      • Operations
    • From teachers and principals to bus drivers and food service workers to financial analysts and technology specialists, Des Moines Public Schools is home to a dedicated team of professionals who all – directly and indirectly – contribute to the education of our students.

        • Academic Curriculum
        • Educational Philosophy
        • Educational Programs
        • Iowa Assessments
        • Enrollment Registration
        • Graduation Requirements
        • English Language Learners
      • What sets DMPS apart? We provide families with more educational choices than any place in Iowa, educate top student scholars who go on to attend leading colleges and universities around the world, and are home to teachers recognized throughout the state and across the country as the best in their field.

          • Members
          • Meetings
          • Elections
          • Belief Statement
          • Board Governance Policies
          • Community Legislative Action Team
          • Standing Board Committees
        • The people of Des Moines elect seven members to serve as their representatives on the School Board. In turn, the Board is responsible for the governance of Iowa’s largest provider of public education. Learn more about your elected School Board members, and access information about past and upcoming meetings.

          Business Finance


    The Best Canadian Credit Card With Travel Rewards #credit #cards,travel,travel #tips,personal #finance,personal


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    The Best Canadian Credit Card With Travel Rewards

    Is a weaker Canadian dollar clipping travellers’ wings? Would-be vacationers could find themselves paying 30 per cent more for their warm-weather getaways this year. As the Loonie hovers around US$0.75, three-quarters admit the weak currency has impacted their trip plans.

    But cash-strapped travelers needn’t settle for a staycation, as a number of travel rewards credit cards can effectively offset travel costs.

    However, using plastic to fund a vacation can be a point of confusion. While there are a number of fantastic travel offers available in today’s market, many Canadians aren’t aware of travel rewards best practices, and there continue to be misconceptions around the true value of rewards, and how to effectively earn and redeem them.

    To help Canadians take flight faster, RateSupermarket.ca has revealed the Guide to Flying for Free – How to Cash in Travel Rewards Credit Card Points. The guide provides clarity on choosing the right card, and insight to the value offered by popular rewards programs.

    How to Pick the Perfect Travel Rewards Credit Card

    How Big is That Bonus. Really?

    We’ve all seen the ads — sign up today and get 50,000 points! Seems like a really sweet deal — but how much is a point really worth? It depends on the card and the way you redeem. Here’s a breakdown of what the most popular points in Canada are worth* when cashed in for travel:

    American Express Blue Sky Points
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
    Blackouts or Restrictions. No

    American Express Gold Rewards Points
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Great. Book any travel and apply points to your balance. A minimum 10,000 is required to redeem. Points are converted to statement credits of $100 each, which can then be applied to any travel purchase.
    Blackouts or Restrictions. No

    BMO Rewards
    Each. $0.01
    Points needed for $100 in travel. 10,000
    Redemption – Good. Travel must be booked through the BMO Rewards travel agency, either online or over the phone. You must have a minimum of 100 points to redeem. If you don’t have enough points to cover your trip, you can pay the remainder with your credit card.
    Blackouts or Restrictions. No

    Capital One reward miles
    Each. $0.01 each
    Points needed for $100 in travel. 10,000
    Redemption – Great. Simply charge your travel expense to your card, then apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
    Blackouts or Restrictions. No

    CIBC Aventura Points
    Each. $0.03
    Points needed for $100 in travel. approx. 3,300
    Redemption – Ok. Travel must be searched for via the CIBC Aventura rewards portal, which includes all airlines. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

    Scotia Rewards Points
    Each. $0.01 each
    Points needs for $100 in travel. 10,000
    Redemption – Great. Simply charge your travel expense to your card, then log into your Scotia Rewards account to apply points to your balance. There is no point minimum required to redeem, and points can be used to pay taxes and other surcharges.
    Blackouts or Restrictions. No

    RBC Rewards Points
    Each. $0.023
    Points needed for $100 in travel. approx. 4,300
    Redemption – Ok. Redeem your points online via the RBC Orbitz portal, over the phone, or via Carlson Wagonlit Travel. Flight types are classified as long haul, short haul, domestic and international, and require a minimum number of points to qualify per category. There is a maximum cap on the number of points you can redeem, and points cannot be used to pay for taxes and other surcharges.

    AIR MILES
    Each. $0.15 each (varies based on flight redemption)
    Points needs for $100 in travel. Approx. 667
    Redemption – Ok. Flights must be booked via AIR MILES’ Dream Rewards Centre, which prices point requirements based on mileage. Redemption costs are higher during the high season, and AIR MILES cannot be used to pay for taxes and other surcharges.
    Blackouts or Restrictions. No

    Aeroplan Miles
    Each. $0.23 each
    Points needs for $100 in travel. approx. 4,300
    Redemption – Ok. Travel must be booked by the Aeroplan rewards portal, and are restricted to Air Canada and other partner airlines. Point redemption is divided into two tiers: Fixed Mileage and Market Fare. Fixed Mileage Flight Rewards travel can be booked for fewer points, but are subjected to limited availability and seasonality.
    Blackouts or Restrictions. Some seat restrictions

    TD Rewards
    Each. $0.005
    Points needs for $100 in travel. 20,000
    Redemption – Good. Book travel on any airline, or book through Expedia for TD, then log in in to your TD Rewards Account to pay with your points. Points can also be used to pay for taxes and additional surcharges.
    Blackouts or Restrictions. No

    *Based on value of signup bonus. Note values may vary depending on redemption method, flight seasonality and flight class).

    Tips for Using a Travel Rewards Credit Card

    Seek out the perfect plastic. There is a wide variety of travel rewards programs to choose from and each offers a different earning and redemption structure. It’s important to determine whether a card’s earning potential can be maximized based on your specific spending habits — for example, gas and grocery purchases, or earning on all spending.

    Heed the fee.
    Travel rewards cards are often packed with additional insurance, concierge and lounge benefits — and that means the majority charge an annual fee. Look for cards that waive this charge for a limited promotional period, and determine whether your annual earnings offset the fee amount. For those who are fee adverse, a non-fee card with a lower earning threshold can be a better fit.

    Ask about redemption.
    Those points won’t do much good if they’re grounded during your desired departure season. Seat capacity, seasonal, and minimum redemption restrictions are common pitfalls vacationers should be aware of. For the greatest flexibility, look for cards that allow points to be redeemed directly on travel purchases charged on the card.

    Cover yourself.
    Many travel cards come with built-in insurance benefits — but you shouldn’t assume you’re covered. At a bare minimum, ensure you have sufficient travel medical and accident insurance for yourself, spouse and any dependents travelling with you. Add-ons like trip interruption, delay and cancellation coverage can provide greater peace of mind on your journey.

    * Preparing for Takeoff: Air travel outlook for 2016 – Expedia.ca

    Follow HuffPost Canada Blogs on Facebook


    Finance Your Bariatric Surgery – Online Application #finance #surgery,patient #financing,finance #gastric #bypass,finance


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    Patient Financing for Gastric Bypass Surgery

    Our patient financing offers you a full range of payment plans. Our 3, 6, 12, 18 month No Interest* payment plans feature monthly payments as low as 3% of the balance and let you pay within the specified time without incurring interest charges. Simply make your minimum monthly payment and pay off your entire balance during the agreed upon time period, and you’ll pay no interest.

    For patients/clients with higher treatment fees who would prefer more time to pay with lower monthly payments, our 24, 36, 48, 60 month extended payment plans* offer a low, fixed 11.9% interest rate and an extended term.

    We offer a variety of affordable financing programs through your doctors office with flexible payment options and low monthly payments. With available loan amounts from $1000 to $25,000 we have a loan program for every budget, even for those with less then perfect credit.

    Key benefits of our patient financing programs:

    • Fixed rates starting as low as 5.9%
    • Interest Rebate programs for up to 12 months
    • Fixed low monthly payments
    • Terms from 12 months to 84 months
    • No prepayment penalty
    • Bad credit financing available with a Co-Applicant
    • Easy application form with quick approval decisions

    Please enter your height and weight


  • What does it cost?

    Thank you for inquiring about this surgery

    In many cases your insurance will cover all/most of the cost of this surgery.

    If you want to pay cash, the cost can be as low as $10,000
    **cost varies region to region

    Another good reason to have surgery is that our patients have told us that weight loss surgery can reduce your monthly food bill as much as 50% or more

    What is your average monthly food bill?


  • How to claim pension tax relief (while it lasts) #tax,personal #finance,finance


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    How to claim pension tax relief (while it lasts)

    This week s great news for pension savers a reduction in tax due on pension money passed on at death could carry a sting in the tail. There are fears that the newly announced tax cut for people who bequeath their pension to the next generation will be offset by a reduction in the tax breaks that apply when you save the money in the first place.

    In other words, the huge improvements to savers choices and tax situation when they take money out of their pension could be counteracted by a future cut to the tax perks when savers put money in.

    Chancellor George Osborne announced on Monday at the Conservative conference that from next April any money left in the pension pot of someone who dies before the age of 75 could be inherited completely tax-free. For deaths at 75 or over, the bequeathed money can remain in a pension with no tax to pay or be withdrawn by the recipient, subject to his or her normal rate of income tax.

    Under the current system, which will be scrapped in April, there is a penal 55pc tax charge on inherited pensions; the only exception is when the pension saver never withdraws any money from the plan and dies before the age of 75 when there is no tax to pay.

    Related Articles

    In effect a tax of 55pc will be replaced by one of either zero or between 20pc and 45pc, depending on the recipient s income and when the money is withdrawn.

    Unlike with ordinary inheritance tax, the 55pc on an inherited pension applies to the entire sum there is no £325,000 tax-free nil-rate band.

    The change, combined with the new freedom, announced in the Budget, to allow pension savers unrestricted access to their money after the age of 55, will make pensions a far more attractive means of saving for many. The freedom to do as they wish with the money during their own lifetimes will be extended to future generations in fact some commentators say we can expect to see everlasting pensions that pay an income to successive generations with the capital left intact.

    There is much more detail on these changes, in the form of a comprehensive Q A .

    and the potential bad news

    These substantial new attractions of pension saving could be undermined if the Government curtails the current very generous tax breaks on the money that is put into pensions contributions are made from untaxed income. There are fears that full tax relief for higher-rate (40pc) and top-rate (45pc) taxpayers will be scrapped and replaced by a flat rate 30pc relief for savers of all incomes.

    Politicians from across the spectrum have stated, or hinted, that savings could be made by cutting back the tax relief paid on higher earners pension contributions.

    Malcolm McLean of Barnett Waddingham, the pensions consultancy, said: The days of higher-rate tax relief are almost certainly over. Laith Khalaf of Hargreaves Lansdown, the investment shop, said: The ground has been prepared for a cut to tax relief with Mr Osborne s latest pension policy.

    Removing higher-rate tax relief now looks like a no-brainer for the Conservatives and I d expect to hear more in the Autumn Statement in December or in the election manifesto.

    If these experts are right, the only way for savers to get the best of both worlds the top rate of tax relief on contributions and unrestricted withdrawals without penal rates of tax is to pay money in quickly between now and the Autumn Statement in December.

    However, the practicalities of higher-rate tax relief on pensions are complex. If you want to benefit from it now, before its possible abolition in a few months time, here is our step-by-step guide to the process.

    Our guide to achieving the best of both worlds

    If you re in a works pension scheme, you probably don t need to do anything. It s all done for you. That s because the money you pay into your pension pot and it doesn t matter whether your pension is a final salary sort or not gets paid in before tax. In effect, you get the benefit of tax relief at your highest rate of tax automatically. So if you pay 40pc tax, or 45pc, that s the benefit you get on your contributions. You don t need to claim any further relief.

    But if you have a personal pension, or a self-invested personal pension (Sipp), or a stakeholder pension, it s less easy. Here s how it works.

    1. You make a payment into your pension pot

    Just as if you were paying into an Isa, you move money from your bank account into your Sipp. For ease of calculation, say you pay in £800.

    2. Your pension firm boosts your contribution by the 20pc basic rate tax relief

    Most big providers add the basic rate of tax relief instantly, so in this case your pension pot gets £1,000 (in other words, your contribution is boosted by 25pc).

    3. Your pension provider then goes to HMRC and claims that money back

    This is how it works with most big providers. But John Lawson, pension expert at insurer Aviva says: It can take the pension scheme an average of six weeks to get that tax relief from HMRC, and some smaller Sipp providers don t add the 20pc tax relief to your pension until they receive it from HMRC.

    Remember, there are limits to how much you can contribute to a pension each year, linked to your earnings. Everyone including children can put in £2,880 without earning anything at all. If you don t have enough net relevant earnings to cover your contribution, it s likely to be picked up at this stage.

    4. Now you claim the extra 20pc tax relief (for 40pc taxpayers)

    The easiest way to claim the extra is via your self-assessment tax return. There is a box on the form where you can declare the gross pension contribution (ie, in the above example, £1,000). But when would you do it? If you are now getting down to filling in your tax return for the year ending April 2014 (which you can send in at any time between then and the deadline on January 31, 2015) you will be including any contributions made during that period. Equally, if you make a payment into a pension now (October 2014), it would appear in the return you file for the next year.

    5. So when do you get the money?

    The most common way of receiving the benefit is in the form of lower tax bills, based on an adjusted tax code for the rest of the tax year. So if you made a contribution now, included in your return filed by January 31, 2016, that could be reflected in the tax code applied to your earnings for the rest of that year and possibly the next depending on how much of a rebate was due.

    John Lawson adds: If you write to HMRC or call them, you could get your tax relief sooner. For example, if you paid a contribution on October 1 2014 and telephoned or wrote to HMRC immediately, your tax code would be adjusted upwards for the remainder of the 2014/15 tax year.

    6. But how does that extra relief end up in my pension?

    It doesn t. There is a common misconception that higher rate tax relief goes straight into your pension pot. But it doesn’t. You need to pay it in, effectively starting the whole process again. And for those paying the maximum amount in per year currently £32,000 plus the £8,000 basic relief, you would need to be a high earner with plenty of spare cash you would have to wait until a new tax year to add the extra £8,000.

    As a result, most people who want the benefit of their higher-rate tax relief to go into their pension simply increase their original contributions. Laith Khalaf explains: Basically, if you want more in there, you contribute more to begin with. Savers into Sipps and personal pensions need to recognise that the way the system works means the higher-rate relief isn t actually going into the accounts.

    Follow Telegraph Money on Facebook


    Gemini Sun Sign – Zodiac Signs – Article by #article, #astrology, #fortune,


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    Gemini Sun Sign – Zodiac Signs

    BY ASTROLOGY.COM NOVEMBER 20, 2009 04:51 PM EST

    Gemini is the third sign of the zodiac, and those born under this sign will be quick to tell you all about it. That’s because they love to talk! It’s not just idle chatter with these folks, either. The driving force behind a Gemini’s conversation is their mind. The Gemini-born are intellectually inclined, forever probing people and places in search of information. The more information a Gemini collects, the better. Sharing that information later on with those they love is also a lot of fun, for Geminis are supremely interested in developing their relationships. Dalliances with these folks are always enjoyable, since Geminis are bright, quick-witted and the proverbial life of the party. Even though their intellectual minds can rationalize forever and a day, Geminis also have a surplus of imagination waiting to be tapped. Can a Gemini be boring? Never!

    Since Geminis are a mix of the yin and the yang, they are represented perfectly by the Twins. The Gemini-born can easily see both sides of an issue, a wonderfully practical quality. Less practical is the fact that you’re not sure which Twin will show up half the time. Geminis may not know who’s showing up either, which can prompt others to consider them fickle and restless.

    They can be wishy-washy, too, changing their mood on a simple whim. It’s this characteristic which readily suggests the Mutable Quality assigned to this sign. Mutable folks are flexible and go with the flow. Further, the Twins are adaptable and dexterous and can tackle many things at once. It’s a good thing, too, when you consider their myriad interests. The downside of such a curious mind, however, can be a lack of follow-through. How much can any one person do, anyway?

    Ruled by Mercury, Geminis exhibit a delicious brand of mercurial energy. They are quick-thinking, quick-witted and fast on their feet, much like the messenger god of Roman mythology that rules their sign. Geminis are both curious and clever, which is why they are such a hit at cocktail parties. Although they talk a great game, they also love to listen and learn. With any kind of luck, the Twins will find themselves in interesting company, because if they don’t, they are likely to get bored and start fidgeting. Any social setting is a good one for a Gemini, however, since these folks are charming, congenial and love to share themselves with their friends. While their effusiveness may be misconstrued as scheming by some, Geminis generally have their hearts in the right place. It’s that ample energy which can also paint them as scatterbrained and unfocused, but behind all that zipping around, the Twins are busily filing all that good data away.

    The element associated with Gemini is Air. Air signs are the thinking person’s signs, and the Twins don’t disappoint. Those born under this sign prize intellect and consider it the key to all things. At work, they are the clearest of thinkers, looking at a project from all (well, at least two) sides and putting forth some logical and well-thought-out ideas. This quality makes Geminis an asset to any team, and while these folks are not inclined to take the lead, they are a most valuable component. It’s also the Gemini’s literary bent that allows them to offer a useful perspective on most any situation. The Twins also enjoy bringing their objective reasoning and big-picture ability into their personal relationships. While some may perceive all this logical thought as cold and unemotional, it’s simply how these folks tick. They want to connect, they just do it their own way. Luckily for Geminis (and their pals), their lightness of spirit and youthful exuberance help them to appear forever young. In keeping with that skip in their step, Geminis enjoy short road trips — and their agile minds and nimble hands ensure that they could change a tire (if needed) in no time flat. Is all of this Twin-energy more than any one person can handle? Ah, maybe that’s why they are two.

    When it comes to sports, Geminis would seem a natural for doubles tennis — and they are. They love the camaraderie of games and play, which is why they excel at team events. Whether it’s volleyball or a game of charades, Geminis are always ready to play. A book club would certainly stimulate their literary minds. In the game of love, Geminis are playful, flirtatious and endless fun. Physically speaking, Gemini rules the nervous system, which is why Twins should practice yoga or deep breathing techniques. Layering themselves in soft yellows and blues will also calm their mood.

    The great strength of the Gemini-born is in their ability to communicate effectively and to think clearly. Adventures of the mind are what the Twins are all about. They also love to share themselves with their friends, and they make for charming companions.


    Invoice Factoring -an advance on money due to you from a business


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    Invoice Factoring

    Its what your looking for

    What is factoring:

    Invoice factoring is essentially an advance on money / cash due to a business, by means of the sale of the invoices to a bridging company. This is not a loan against invoices but an outright sale of selected invoices ( one or many ) or the full debtors book, to a bridging finance company, but with recourse to the seller of the full invoice value.

    Why use single invoice factoring or selective invoice discounting

    This is a very simple and reasonably quick method (within 2 weeks of receipt of all documents) used by businesses to improve cash flow or working capital as and when needed. There is no lock in period and no penalty for early settlement. You elect to bridge one or a few invoices not the entire debtors book.


    Costs Once

    Once off set up fee of approx 3 % to 5 % depending on the size of the invoice bridging required. Monthly cost of between 4,5 % and 6 %

    Pre-Conditions to Discount Invoices:
    The goods /services must have been delivered / rendered and the customer must have accepted the goods / services with no pending disputes. The company requesting the bridging should be profitable and have a clean credit record.

    We use this Mass eMailing system.
    Click the logo below for a free, no obligation trial.


    Master of Finance #masters #of #finance #programs


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    Master of Finance

    The Master of Finance program at UC San Diego’s Rady School of Management prepares graduates to tackle significant challenges facing the financial sector.

    The Home of Econometrics

    The Rady School is in a unique position to offer a Master of Finance that emphasizes quantitative methods, empirical work and financial econometrics. UC San Diego has a rich tradition in empirical and theoretical econometrics. Some of the most widely-used empirical models developed from the research of UC San Diego faculty. The emphasis on rigorous empirical data-driven methods differentiates the Rady School s Master of Finance from programs specializing in financial engineering.

    Our Faculty Shaped the Industry

    The Rady School of Management s Master of Finance degree provides rigorous, hands-on training preparing graduates to immediately contribute in environments where quantitative and analytical skills are at a premium.

    You will learn leading-edge methods for analyzing “big data” for financial decision making and risk management. The program s emphasis on quantitative models and methods ensures graduates are equipped to develop innovative solutions to the complex problems facing the financial industry.

    Master of Finance applicants will have exceptional quantitative skills, strong interest in the analytical foundations of finance and of risk management, and a desire to have an impact in the financial sector.

    Schedule Options

    Students have the option of completing the program in one year or electing to complete the program in fifteen months by choosing to seek a summer internship and then return to Rady for a final quarter.

    Careers In Finance

    Finance professionals skilled at producing forecasts of business, industry and economic conditions and financial risk management are in demand in investment institutions across the globe. The United States Bureau of Labor and Statistics expects the risk management field within business to grow at an average rate of 13 percent over the next decade. Longer term career paths may include, but are not limited to, chief risk officer, chief finance officer, risk managers,and as the head of risk management in banks and investment banks, stock exchanges, asset management companies, mutual funds, hedge funds, insurance companies, private equity firms, large corporations, credit rating agencies and regulators.

    Master of Finance students receive career support from Career Connections. Through personal coaching, an array of programs and resources and a commitment to creating access to opportunities, Career Connections enhances your potential for success.


    MBA in Finance: A Complete Guide with Salary, Jobs, Scope #finance #mba


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    MBA in Finance

    Finance is one of the most sought after specialization of MBA. A big community of students is attracting with this specialization.

    It is one of the oldest disciplines of management courses. In the last of the 19 th century it was the subject of Economics. By the start of the 20 th century it got the affiliation of an individual subject for study.

    When we heard the term ‘finance’, we thought of the banking. But no, just only banking is not the all for finance.

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    ”The financial management is concerned to the planning and controlling of the financial resources of an industry”.

    Finance as a subject involves the management, control and review of the collection, investment and resources of money as a capital required for an industrial building, plant and working.

    This activity is called as the Financial Management which is controlled by the Finance Manager .

    The students always think that, why to do MBA in Finance. There are some other specializations in MBA curriculum, then after what is the scope of finance. Actually;

    It is the age of industrialization in all around the world. Many industries are being established in many countries. Finance is the way to establish an industry in a proper way in according to the money management of the building, run, money resources and its proper collection.

    Get Latest Career Notification about MBA in Finance, by entering your details below.

    Course Curriculum

    MBA is a 2 year degree programme. You can choose the one of your favorites and interested specialization out of the finance, marketing. HR. Operation etc.

    To get the admission in MBA you should have a graduate degree in any discipline with good percentage.

    Here we are talking about one of the specializations called “Finance ”.

    Students were asked that why you are choosing finance as their specialization. Replies, the financial crisis is being counted as the biggest crises of the world. And we had the experienced that before a couple of years. All countries are demanding heavily the skilled financial analyst against their financial sector for preparation and control.

    Therefore, MBA in finance is most sought programme in across the world.

    In this course, the students are offered the knowledge and skills of analytical thinking, continuous process, concept of managerial decision, maintaining balance between risk profitability, coordination process and centralized nature.

    The course is included with the corporate finance, budgeting, costing, international finance, investment securities and working capital management. These subjects prepare the students to work with any financial organization.

    Actually, the students who have done the B.Com or having commerce in their qualifying examination, they are well going-through the finance, accountancy and related fields.

    You can do the MBA in finance after the completion of UG degree in Engineering, medical, science, art and humanities.

    Benefits of MBA in Finance course:

    • You can initially join as a trainee or finance manager in various companies.
    • You can opt organizational jobs for preparing financial reports or managing investment activities.
    • After completing this course, you can also go for the further research studies.

    Admission

    To get the admission in MBA with any specialization, it is necessary to appear and score in GMAT Exam or CMAT Exam (Graduate Management Admission Test/ Combined Management Admission Test).

    Some of the affiliated universities conduct their own admission examination.

    Yes, you can do the MBA in finance through the distance learning education programme. Some of the universities like Sikkim Manipal University and Indira Gandhi National Open University (OPENMAT Exam) are offering the distance MBA programme.

    Some of the Indian Universities do not hold the entrance test for online education.

    You may also check the following Examinations offering the MBA programmes:

    Top colleges offering MBA in Finance course are listed here:

    • Indian Institute of Management (IIM), Ahmedabad
    • Indian Institute of Management (IIM), Bangalore
    • Indian Institute of Management (IIM), Calcutta
    • Xaviers Labour Research Institute (XLRI), Jamshedpur
    • Indian Institute of Foreign Trade (IIFT), New Delhi
    • Indian Institute of Management (IIM), Indore
    • Indian Institute of Management (IIM), Lucknow

    Jobs Career

    “There are lots of job opportunities are offered in the MBA (Finance) qualified in the public as well as private sector”.

    Finance MBA can work in banking and non-banking sectors. You can work anywhere in the corporate world. Every industry has a need for financial expert for maintaining the balance of capital.

    The students, who have done the MBA in finance, have a lot of job opportunities in government and the private sector. He/she can be a part of the stock market, top-notch organization, finance ministry and related organizations. Beside an MBA finance with CA can run his own business.

    You can play the role of following positions in an industry:

    After pursuing this course, you can find job placements in various areas such as Financial Institutions, Banks, Financial Consultancies, Colleges Universities and various government and private firms companies.

    Recruiters

    The top recruiters for MBA finance among all are as the following:

    Salary Packages

    “Finance is counted among one of the highly paid sectors of the country”.

    It is a good paying degree course. Salary is no bar for the qualified and skilled one. A financial manager can earn Rs. 3 to 4 lacs per year.

    Salary of an MBA in Finance qualified can also depend upon the working experience, qualification, recruiters, geographic location of the organization, etc. After gaining sufficient experience, you can easily earn attractive salary packages in both sectors.

    Books Study Materials

    Here we are providing a list of most popular books to study MBA in Finance:

    • The Intelligent Investorby Benjamin Graham, Jason Zweig, and Warren E. Buffet
    • The Five Rules for Successful Stock Investingby Pat Dorsey and Joe Mansueto
    • Common Stocks and Uncommon Profits and Other Writingsby Philip A. Fisher and Kenneth L. Fisher
    • Interpretation and Application of Generally Accepted Accounting Principlesby Steven M. Bragg
    • Competitive Strategy: Techniques for Analyzing Industries and Competitorsby Michael E. Porter
    • Best Practices for Equity Research Analystsby James J. Valentine

    For any other queries about MBA in Finance, you can ask us by leaving your queries below in the comment box.

    This may also be helpful to you:

    Hello sir I am about to pursue MBA in finance since I am a fresher I want to know what course apart certification or anything I can do so that I can land a high paying job

    Mohit Negi says:

    You can work on your communication skills, understanding the finance market in India. You can also work part time basis with any finance company so that u may get an idea of how things goes here. This will eventually help you in landing a good job.

    D.R Mohanty (MBA Fin.,BSC(Math Hons.) says:

    Yes u can easily pursue Mba fin. As i hope u will be good in playing with numbers.I suggest you to go with full time MBA from a recognized university instead of online or distance.

    Hello sir,
    I have completed my Bsc-IT and MMS in Finance form mumbai university. I have to learn some course which will increase my skills in finance and i will get a good job in finance as a trainee manager or finance manager in banking sector or corporate sector.

    Mridul kewaliya says:

    hello sir, recently I completed my exams of b.com so I m confused for finance or marketing in MBA, which I choose and my score 49% then I Will be able to criteria of MBA admission exams


    Nationally Ranked MPA – Rockefeller College of Public Affairs – Policy –


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    rock_images/random_pagetops/2016/1.jpg; rock_images/random_pagetops/2016/2.jpg; rock_images/random_pagetops/2016/3.jpg; rock_images/random_pagetops/2016/4.jpg; rock_images/random_pagetops/2016/5.jpg; rock_images/random_pagetops/2016/6.jpg; rock_images/random_pagetops/2016/7.jpg; rock_images/random_pagetops/2016/8.jpg; rock_images/random_pagetops/2016/9.jpg; rock_images/random_pagetops/2016/10.jpg; rock_images/random_pagetops/2016/11.jpg; rock_images/random_pagetops/2016/12.jpg; rock_images/random_pagetops/2016/13.jpg; rock_images/random_pagetops/2016/14.jpg; rock_images/random_pagetops/2016/15.jpg;

    Department of Public Administration Policy

    The Department of Public Administration and Policy provides graduate and undergraduate students the skills and insights necessary to participate in the management of public and nonprofit organizations and the creation of public policy. Our curriculum offers more than 30 areas of specialization, including IT/e-government, homeland security, financial market regulation, non-profit management, local government management, public finance, and health policy. The diversity of our offerings reflects the diversity of our faculty: 24 experts drawn from seven fields, plus a set of master practitioners who bring their wealth of experience to the classroom.


    Masters in Finance & Investment Online Course #finance #online #degree


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    MA in Finance and Investment online

    The MA in Finance and Investment, provided by London School of Business and Finance, delivers a world-class educational experience aimed at producing graduates who possess a detailed understanding of the theory and practice behind financial decision making.

    Through a rigorous, intellectually demanding and broad-based programme of study, you will gain essential knowledge and analytical expertise in the concepts and techniques that set leading organisations apart from their competitors. This course has been developed alongside some of the world’s most successful businesses, meaning that on completion of the MA in Finance and Investment degree you will have attained the skill sets, personal attributes and business acumen that leading employers the world over are looking for.

    The programme is fully-flexible and delivered 100% online, allowing you to set your own of pace of learning. This allows you to build a study schedule around your professional and private commitments, and thanks to a range of specialist pathways and elective modules, you can adjust the syllabus of the course to complement your future career aspirations. In addition, InterActive’s innovative online learning platform lets you benefit from a first-class educational experience anytime, from any mobile device, whatever your global location.

    Together, London School of Business and Finance (LSBF) and InterActive adopt an innovative approach to learning. This is reflected in progressive teaching methods which equip you with the real-world experience and skills you need to distinguish yourself from other professionals in your field. On graduation from the programme you will have developed top-level leadership and management skills, as well as the ability to effectively put those skills to use in the workplace.

    April, July & October

    Video tuition sample

    MA in Finance and Investment (general pathway)

    This degree syllabus examines today’s challenging business environment and the financial expertise needed to excel within it. The 3 core and 3 elective modules provide expert industry knowledge and the flexibility to tailor your programme to your specific career aspirations.

    MA in Finance and Investment (Accounting and Financial Management)

    This pathway will place you in the centre of global commercial operations, giving you the accounting and financial knowledge needed to manage all types of financial information and services, while learning how to best utilise modern financial accounting techniques.

    MA in Finance and Investment (Financial Risk Management)

    Risk management is crucial in today’s business environment and leading organisations need professionals who are able to manage this risk. There is a demand right now for graduates who have an in-depth understanding of crisis management and can evaluate these risks competently.

    MA in Finance and Investment (Investment Banking and Capital Markets)

    The programme ensures that you will understand the essential workings of capital markets; investment banking, methods of raising capital, identifying risks, as well as creating value though appropriate analytical techniques. You will also learn about derivatives and alternative investments.

    MA in Finance and Investment (Islamic Banking and Finance)

    This pathway explores innovation in the world of Islamic finance and gives you working knowledge of an area which is seeing a rising demand for its services. You will study how Islamic banking operates under Sharia principles and gain an understanding of Islamic portfolio management.

    MA in Finance and Investment (Mergers, Acquisitions and Private Equity)

    The financial sector is constantly evolving and this pathway is designed for those wishing to pursue a career in the highly rewarding fields of mergers and acquisitions and private equity. You will examine this fast developing area by way of both hypothetical and real-world case studies.

    MA in Finance and Investment (Retail Banking and Money Markets)

    Retail banking and money markets have global reach and organisations require employees who possess a comprehensive understanding of the instruments in use. This pathway will give you an insight into global banking activities and the tools with which to manage them.

    Choose a provider who gives you more

    Experience our real-life case studies

    Entry requirements admission documents

    To be considered for the MA in Finance and Investment programme you must meet the following entry requirements:

    • UK Bachelor or equivalent (any class), such as ACCA F1-P1 min, CIMA Managerial level or CIM professional postgraduate
    • Applicants who do not meet the stated entry requirements may apply via our Mature Route. You will be asked to provide evidence of three year’s managerial work experience, plus transcripts of your highest qualifications achieved to date. Applications via this route are assessed on a case-by-case basis;
    • IELTS 5.5 or equivalent, or
    • High school English, or
    • Bachelor’s degree completed in English language (NARIC or letter from the University or University from any English speaking country) or
    • ACCA/CIMA 14 papers completed, or
    • Work experience in an English speaking environment (upon approval by the admissions board)

    To make your application, please provide your advisor with the following documents:

    • Your completed application form
    • Authentic copies of your qualifications, certificates and complete transcripts for all years of studies
    • A scanned copy of your passport
    • An English copy of your CV/résumé
    • Proof of English proficiency
    • A scanned copy of a recent passport-sized colour photograph (jpeg, 150*150 pixels)
    • Two reference letters (academic / professional); please ensure that your reference letters are on letter-headed paper, stamped and dated (not older than 6 months)

    Thank You!


    Cleancredit #credit, #clean, #repair, #fix, #equifax, #experian, #transunion, #quick, #fast, #score, #raise,


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    Frustrated and looking for answers on “How to Fix Your Credit?

    Have you tried to buy a home / Car only to be turned away or told to wait a year and try again?

    There are laws that protect the consumer but those laws are hard to find and harder to interpret. Quick Credit Clean LLC will provide you with our knowledge and experience to make these laws work for you instead of against you .

    It’s unfortunate but major companies are aware that the average consumer cannot interpret these laws and they are more than happy to use this to their advantage.

    What makes Quick Credit Clean LLC different?

    • Our system is a collaboration between the client ourselves. Working together ensures a much greater result.
    • Every client’s file is handled personally and “in-house” – this means no Outsourcing or breakdowns in communication. Again, increasing effectiveness.
    • Our process is completed within 45 to 180 days – NOT 18 months or more.
    • Our consultation/evaluation is always free – If we cannot help we would rather give you free advice and hope you’ll send us someone that does need our services.
    • Every client is given a “credit education” guide in an understandable format.


    Can “accurate” information be removed?

    Most consumers ( and professionals ) view credit daily without the correct information to interpret what is or isn’t truly accurate; Because of this the wrong call for accuracy is made every day. Once the accounts are viewed by someone that knows the ins – outs of the credit reporting system; we find that many of those harmful account are not accurate at all. Once these errors removed you really get to see you actual credit worthiness!

    Every day someone tells us an account is accurate – every day we prove why it’s not. Having the knowledge to determine the difference between accurate and inaccurate combined with the essentials for maximum scoring are the keys to making huge score gains. They also make sure big companies can t bully you into paying too much interest.

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    What items can be removed from your file:

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    Do you want to “Fix my credit report” “clean up my credit report” We want to help, Quick Credit Clean in Maryland repairs credit fast and educates you so that you can keep it there. Credit Repair How to Help Yourself credit repair services Credit problems? No problem! We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever! We can erase your bad credit 100% guaranteed. Create a new credit identity legally. fix my credit fix my bad credit Help with my bad credit DOES CREDIT REPAIR WORK attorneys at the nation s consumer protection agency legitimate credit repair quick fix for credit You can improve your credit report legitimately personal debt repayment plan Recognizing a Credit Repair have poor credit his tories clean up their credit report get a car loan home mortgage improved credit report No one can remove accurate negative information you re left with the same credit report If you see a credit repair offer here s how to tell if the company behind it is up to no good: The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised. The company doesn’t tell you your rights and what you can do for yourself for free. The company recommends that you do not contact any of the three major national credit reporting companies directly. The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current. The company suggests that you try to invent a new credit identity and then, a new credit report by applying for an Employer Identification Number to use instead of your Social Security number. The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness. If you follow illegal advice and commit fraud, you may find yourself in legal hot water, too: It s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses. You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information. Your Rights Regarding Credit Repair No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA): You re entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment.

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    Sell your pension for cash: the two-minute briefing #pensions,personal #finance,finance


    Sell your pension for cash: the two-minute briefing

    It s been the dream of many an unhappy annuity buyer: sell the policy back to the insurer for a cash lump sum. And now the Government wants to make it a reality.

    The pensions minister, Steve Webb, told The Telegraph last weekend that he d like to create a market for second-hand annuities, so that people who would prefer a lump sum to a regular income could simply sell their policy to the highest bidder.

    It sounds a simple and attractive idea, but there are complexities. How could you be sure you were getting a good price for your annuity? And how much tax would you have to pay? We look at how such a market would work in practice.

    Q How much would I get for my annuity if I sold it on this new market?

    A: Under Mr Webb s plan, the annuity would continue to exist after you sold it in the second-hand market. Payment would be reassigned to the new owner and the pension would continue to pay out until you not the new owner died.

    Related Articles

    We can t be sure how much your annuity would fetch in these circumstances. But one possibility is that the annuity would be worth whatever it would cost someone of your age and life expectancy to buy the same annual income for life that you currently receive from the policy.

    For example, let s say that you buy your annuity today at the age of 65 while you re in good health. Roughly speaking, the annuity company will assume that you ll live for another 20 years, until you are 85.

    Now let s assume that you want to sell the annuity in five years time, when you are 70, and that you are still in good health then.

    If the company that buys your annuity sells it on to another 70-year-old buyer in good health, it would presumably base its price to that buyer on what it would charge him or her for a new annuity at that time.

    However, the new buyer would probably prefer an annuity that lasted until his or her death, rather than yours. Therefore, he is likely to expect a discount for the second-hand annuity. He might also expect you to take a medical to confirm your good health. And the firm that carries out the transaction would expect a cut.

    If the second-hand annuity s value is based on that of a new one, it would clearly depend on the factors that influence annuity rates at that time. These include the interest paid on government bonds (gilts). If you bought when annuity rates were higher, it means gilts were cheaper then, so your annuity should fetch more now.

    Q If there was no buyer for my annuity, couldn t the insurer just buy it back?

    A: This is another possibility. Any annuity carries risk for an insurer because it doesn t know when you will die and therefore how much money it will pay out in total. If a particular insurer thinks it has taken on too much risk, it could reduce it by buying back annuities. For the policyholder, the question is what price is offered. Experts said insurers would want a discount, perhaps 20pc, on the true value of the annuity.

    But what is that true value? It depends on your life expectancy at the time you want to sell. If your health has deteriorated since you bought the annuity, its value will be lower, reflecting the fact that it is likely to pay out for less time than originally expected.

    Because of this, you would probably have to have a medical check-up before you got a trade-in value for your annuity.

    Q What could go wrong with Mr Webb s plans for a new annuity market?

    A: As mentioned above, the problem for a buyer of your annuity is that payments will cease on your death, not theirs. How many people will want an income that could end at any time? This could severely dent prospects for the new market and make second-hand prices unappealing.

    It s possible that individual annuities could be bundled together and sold to institutional investors to get round this problem.

    There are also practical problems. There will need to be a mechanism by which the original insurer is informed of the death of the first owner of the annuity so that it can stop the payments.

    It s possible that these problems could be overcome if insurers were prepared to link payments to the new owner s death rather than the original owner s, assuming similar life expectancy.

    Q Will these changes really happen and when will the new market be up and running?

    A: Mr Webb said he would seek cross-party support to ensure that his plans could be implemented early in the next parliament, whichever party won the election.

    Q If I sold my annuity, how much tax would I have to pay?

    A: The sale would probably be treated in the same way as accessing your whole pension in one go under the pension freedoms that take effect in April. On other words, the money will be treated as income and taxed at your marginal or highest rate.


    Major Field Tests: Bachelor s Degree in Business #bachelor #in #finance


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    Bachelor’s Degree in Business

    The ETS Major Field Test for the Bachelor’s Degree in Business contains 120 multiple-choice questions designed to measure a student’s subject knowledge and the ability to apply facts, concepts, theories and analytical methods. Some questions are grouped in sets and based on diagrams, charts and data tables. The questions represent a wide range of difficulty and cover depth and breadth in assessing students’ achievement levels.

    For information about the data and how to use it, see the Comparative Data section.

    With the introduction of the ETS Major Field Test for Bachelor s Degree in Business for use around the world. institutions can use Major Field Tests to measure student learning outcomes of their bachelor’s degree business programs whether they have U.S. programs, programs in Europe, Asia or other regions, or combined programs. And, since ETS Major Field Test for Bachelor’s Degree in Business also provides national U.S. comparative data on business-specific titles from hundreds of thousands of students, institutions can now measure student learning outcomes of their bachelor s degree business programs outside of the United States to those within the U.S. Get started today .

    Sample Reports

    Departmental Roster includes total scores and subscores (if applicable) of all students tested, listed alphabetically by last name.

    Departmental Summary: Total Scores and Subscores includes the frequency distributions of total scores and subscores, showing the percent of students scoring below each percentile. The departmental mean scale score and standard deviation are also shown. A Departmental Summary does not include scores of students who answered fewer than 50 percent of the test questions in one or both sections of a test.

    Departmental Summary: Assessment Indicators provides a list of the mean (average) percent correct of test questions answered in particular subdomains/content areas for the group as a whole.

    Departmental Demographic Summary Report provides student demographic information taken directly from the answer sheets and summarized for the group as a whole.

    Individual Student Report includes total score and subscores for each student tested, along with interpretive information.

    For more information about other reports, see the Reports section.

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