Three months ago, the coronavirus disease 2019 (COVID-19) was hardly on the radar for most Americans. Today, it's completely upended the largest economy in the world, displacing more than 20 million workers and unceremoniously ending the longest economic expansion in U.S. history.
With no clear-cut end in sight to this pandemic, Congress passed and the president signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act on March 27. At $2.2 trillion, the CARES Act is the biggest relief package ever signed into law on Capitol Hill.
Among the many purposes of the CARES Act, it directed $500 billion to distressed industries and nearly $350 billion to small business loans, gave $100 billion to hospitals, and set aside $260 billion to expand the unemployment benefits program (i.e., the extra $600 per week through the end of July 2020). But what folks can most relate to is the $300 billion apportioned for direct payouts to workers and seniors.
Over 150 million Americans are eligible for an Economic Impact Payment
According to Treasury Department estimates, more than 150 million people are expected to be eligible for an Economic Impact Payment, as these stimulus payouts are officially known. Eligibility is being determined by a combination of adjusted gross income (AGI) on a tax filer's most recent federal return, their tax filing status, and their citizenship.
For example, single, married filing jointly, and head-of-household tax filers can receive the maximum Economic Impact Payment if their AGIs are respectively below $75,000, $150,000, and $112,500. This would lead to $1,200 payments to individuals and $2,400 payouts to couples. Additionally, qualifying dependent children aged 16 and under can add $500 per child to the amount a parent or household receives.
On the other end of the spectrum, single, married, and head-of-household filers making more than $99,000, $198,000, and $136,500, respectively, in AGI aren't eligible for any payout. Folks whose AGIs fall in-between these upper and lower bounds can expect to receive a reduced payout to the tune of $5 removed for every $100 in AGI above the lower bound.
Other disqualifying factors include being a dependent aged 17 and older, as well as being a non-citizen without a Social Security number and a legal pathway to citizenship.
Still waiting on your stimulus check? Here's the likely holdup
Thus far, close to 130 million Economic Impact Payments have been disbursed, including 110 million direct deposits and roughly 20 million paper checks. However this still leaves more than 20 million eligible recipients wondering, "Where's my stimulus money?" If you're among them, one of the following five scenarios likely describes why you're still waiting.
1. Your payout was sent to a temporary bank account set up by a tax-prep service
If I had to choose the likeliest reason why a majority of eligible recipients still don't have their money, it would be because they used a tax-preparation service in 2018 and/or 2019. If you've used a tax-prep service and been owed a refund from the federal government, these services often set up a temporary account where that refund will first land. This temporary account allows the tax-prep service to remove any fees and interest you might owe. It then forwards the remaining balance to your bank account.
In theory, these temporary accounts work very well... until there's stimulus money to hand out. Back in 2008, stimulus payouts for approximately 20 million Americans wound up in these temporary accounts, which eventually meant the federal government had to issue paper checks by snail mail to those impacted. While do-it-yourself tax-prep software has made life easier for taxpayers since 2008, I'd contend that there are still millions of Americans whose payouts likely are in a temporary account.
2. You're receiving a paper check
Another reason for the delay is that you're receiving a paper check. The Internal Revenue Service (IRS) didn't even begin mailing out paper checks until recently, and the agency's check-printing capacity is constrained to about 5 million per week.
Furthermore, the way the IRS plans to dole out paper checks is from the bottom up, at least in terms of income. This means those folks with AGIs of up to $10,000 will have their paper checks mailed first, followed by those with AGIs of up to $20,000, then $30,000, and so on. If you're a middle-income or upper-middle-income individual or couple who qualified for an Economic Impact Payment, you could be waiting until June or even later to receive your paper check.
Also note that it can take up to two weeks to receive your paper check once it's been issued.
3. You filed a paper tax return
A third possibility for the delay in receiving your stimulus money is due to having filed a paper tax return for the 2019 tax year.
For the 2018 tax year, around 89% of all taxpayers chose to electronically file their federal return. That's a lot. However, it still meant that more than 17 million taxpayers chose to print out their tax return and mail it in.
Normally, this wouldn't be an issue. But because of the coronavirus pandemic, the IRS stopped processing paper returns in March. It's unclear when paper-return processing will be completely back to normal, which could delay your receipt of a stimulus check.
4. The wrong bank account info is on file with the IRS
A fourth reason you could be waiting on your Economic Impact Payment is due to the wrong bank account information being on file with the IRS.
Even though a smaller percentage of Americans than ever are choosing to switch banks, we're still talking about millions of Americans making the move to a new bank or credit union each year. If you're one of those people who made the move to a new bank since last receiving a direct deposit federal tax refund, the attempt to pay you via direct deposit at your now-closed account would have bounced back as unsuccessful. In such a case, the IRS will be forced to issue a paper check, thereby delaying receipt of your payout for weeks or potentially months.
As one last note, the IRS deadline to update your bank account information online via the Get My Payment tool for direct deposit hit this past Wednesday, May 13, at noon EDT. This means if your bank account info is/was wrong, you're stuck waiting for a paper check.
5. It's been seized by your bank or a collection agency
Fifth and finally, your stimulus money may have been gobbled up by your bank or a creditor the moment it hit your account.
The language of the CARES Act specifically disallows federal and state collection agencies from targeting Economic Impact Payments. This is why people who owe federal back taxes or are in arrears on student loan debt are still receiving their stimulus money.
However, it doesn't provide those same parameters for private collection agencies, such as a bank, credit union, or collection agency. If, for instance, you have a negative account balance at your bank or you've fallen more than three months behind on a credit card bill or mortgage payment, your bank could seize your stimulus payout to offset your outstanding debts.
For what it's worth, the nation's four-largest financial institutions -- Bank of America, Wells Fargo, Citigroup, and JPMorgan Chase -- have pledged not to use your stimulus money to offset outstanding debts. Additionally, certain states have taken action to prevent the seizure of stimulus payouts by collection agencies. You'll need to check with the rules governing your state to see if your payout is protected from seizure.


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Check out this video to begin separating fact from fiction.
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MOSCOW, July 23 (Reuters) - Restructuring the debt of struggling Russian miner Mechel through state development bank VEB is preferable to allowing the company to go bust, President Vladimir Putin’s top economic aide said on Wednesday.
Hit by weak prices for its products, Mechel is in critical need of financial support. It has already undergone several debt restructurings but the head of VEB said this month he recommended avoiding further bailout schemes as they would be loss-making.
“Restructuring would be less painful than bankruptcy in terms of the interests of the country and the company itself,” the economic aide, Andrei Belousov, told journalists, warning of the risks to creditor banks if the company were to go bust.
The Russian government will come up with a plan to save Mechel within a week, he said.
Reporting by Darya Korsunskaya; Writing by Alessandra Prentice, Editing by Timothy Herttage


By Michael Waldman
Friday, January 22, 2010
The Supreme Court on Thursday upended a century's worth of campaign finance law. An immediate question raised by the Citizens United v. Federal Election Commission decision is whether this will flood elections with suddenly legal corporate money. Less understood but deeply significant is what this shows about the court and its relationship to the Obama administration and Congress.


It has been a tough year for Iconix Brand Group.
After several high-profile executive departures, an investigation by the Securities & Exchange Commission, slipping sales and news that the firm will restate official financial filings for most of the past three years, many investors and market watchers have walked away from the company.
In the past few weeks alone, Iconix has shed more than half its share price, valued at roughly $7 now, while analysts have dropped the firm from their coverage lists, citing — among other concerns — “insufficient visibility” into the company’s financials.
“[We are] discontinuing coverage due to the meaningfully different environment, set of risks and significant management turnover compared with several months ago,” noted Robert Drbul, an analyst at Nomura Securities International Inc. “[And] we believe the likelihood of continued SEC investigations, legal risks and related fines remains high, and do not anticipate an unadulterated view into the company’s business model or historical financials in the near to medium term.”
Citi Research analyst Kate McShane also dropped the company from her coverage area, while CL King & Associates analyst Steve Marotta downgraded the stock but continues to cover the company, albeit cautiously.
“Clearly, they’ve got some issues,” Marotta said. “They’ve got some good brands and some not-so-good brands. They have to separate the good from the bad, and we’ll see how they shake out. Their business is under a tremendous amount of pressure, and given the leverage on the balance sheet, that’s really what’s causing the issues.”
But Iconix’s struggles may not be isolated. Now, experts warn that the brand’s challenges could have a chilling effect on other brand-management firms.
Canaccord Genuity Inc. analyst Camilo Lyon warned that the perception of private equity brand managers could become tainted — with Sequential Brands Group, Lyon noted, as one example.
“We believe the recent turmoil at Iconix Brand Group, coupled with cautionary comments by department stores, has weighed on Sequential — undeservedly so,” Lyon wrote on Friday. “While we fully understand why the negativity around Iconix has clouded the view on the sector, we believe there are distinct differences between Sequential and Iconix that necessitate noting.”
Lyon pointed out Sequential’s recent acquisitions of Martha Stewart Living Omnimedia and Joes brand as well as its “strong, sound financial partners” as key distinctions.
Marotta suggested that the current cheapness of Iconix’s stock may present a rare buying opportunity. However, he admits near-term upside remains slim.
“Given the free cash flow metrics, it’s a very cheap name,” Marotta said. “But with the topline under as much pressure as it has been and with earnings estimates continuously [faltering], I can’t be compelled to be very constructive on the name in the near term.”
Iconix’s brands and licenses include Candie’s, Peanuts, Badgley Mischka and Rocawear.


Financial advisors and planners, real estate and insurance brokers and attorneys in a variety of practices likely have clients who need estate planning services. The experienced estate and elder law attorneys at Timothy Rice Estate and Elder Law Firm work closely with our professional partners to ensure their clients’ needs are met.
There are many situations that may “trigger” a professional service provider to refer a client to an estate and elder law attorney. These include:
- A family law attorney is helping a client with divorce and custody issues. Any change in life circumstances like this is cause for an update to an existing estate plan or should spark a reminder to create one.
- A financial advisor learns that a client just had a baby. Ensuring the child’s future is protected with proper estate planning should be a financial priority for the family, and an opportunity for the financial advisor to refer the client to an estate planning attorney.
- A catastrophic injury, whether it be the result of an auto accident or medical malpractice, could lead to both a sizeable financial award and special care considerations for the injured person. A personal injury attorney could help a client in this situation by referring the individual to a trust and estate law attorney for assistance with special needs trusts and guardianship or conservatorship issues.
- A newly married couple is looking to buy their first home. A mortgage broker, real estate broker or financial advisor could help the couple by referring them to a trusts and estate law attorney to create or update their Wills, powers of attorney, trusts and other important estate planning documents.
- A soon-to-be or recent retiree reaches out to a financial advisor for advice on retirement savings. The financial advisor should ask the client if their estate plan reflects this change in circumstances and refer the individual to a trusts and estate law attorney for further assistance.
- As people age, Medicaid planning becomes very important. Insurance brokers and financial advisors, as well as a variety of attorneys, can provide a great service to clients by referring them to elder law attorneys to ensure the client’s long-term health care is secure.
Any change of circumstances, from buying or selling property or a business to winning the lottery, impacts estate planning.
By noticing these “triggers,” bringing them to the client’s attention and providing a referral to a trusted estate planning attorney, professional service providers demonstrate to their clients they care about their financial and physical well-being.
TREEL attorneys have a reputation for working closely with clients to protect their best interests by creating holistic and sound estate plans. When conflicts arise over issues like Wills or guardianships, TREEL attorneys zealously advocate for their clients in court. We treat clients with respect, empathy and compassion as we help them navigate sensitive and difficult issues regarding long-term health care, financial decisions and end-of-life wishes. For more than 20 years, TREEL has served clients ages 18 to 108, as a committed member of the community.
By referring clients to TREEL, professional service providers show their clients they care about them. We hope that we can be partners in providing members of our community the peace of mind that comes from working with reliable, knowledgeable professionals just like you!
We invite you to learn more about TREEL by visiting our website or reaching out at (833) 388-0462. Please feel free to refer your clients to us and know they will receive the same high-quality service your clients have learned to expect from working with you.


Common Date Gold Coins vs Rare Coins
What’s the Difference?
At times, Austin Rare Coins & Bullion will recommend clients purchase Pre-1933 common date gold coins when we feel certain issues are temporarily undervalued in the marketplace. But, what exactly is a common date gold coin, and what is the difference between that and a rare coin? In the rare coin market, there are scarce coins and there are fundamentally rare coins.
What is a Rare Coin?
An example of a fundamentally rare coin is an 1859 New Orleans $10 Liberty Head. Only 2,300 were struck and fewer than 60 are known to exist in all grades that have been certified by PCGS and NGC over the past 25 years. Today, the finest known in the series would sell in excess of $70,000. (But you could never get the present owner to sell – we know. We sold him the coin.)
Yes, this is an extremely rare coin and perhaps a price tag that scares away some people. Coin dealers refer to this as a Classic Rarity – a coin that is fundamentally rare in all regards.
What is a Common Date Gold Coin?
Common date gold coins are less rare and very affordable. Common date pre-1933 U.S. coins are more available within a series and have a higher surviving number. They can be quite affordable, even those preserved in brilliant uncirculated, mint state grades. An example is the 1932 $10 Indian with a mintage of just over four million coins. The majority of these don’t exist today, but there are around 90,000 that have been certified in MS-63. This allows these half ounce coins to have the perfect balance of scarcity, affordability, and quality. With price ranges typically between $600 up to $2,500 per coin, this market offers an excellent bridge between gold bullion and truly rare coins.
If you believe that current prices offer a fantastic opportunity to start or add to your positions, then you should consider this area of the market. Certified Pre-1933 U.S. gold offers rarity, a high gold content, and appears to be oversold at today’s levels when compared to prices over the past several years.
While we don’t advise focusing solely on common-date material, the fact is they often add leverage in a rising gold market and the possibility to gain even when gold is falling. This is an important point to understand when building a balanced and diversified metals portfolio. The key is working with a knowledgeable firm who understands and realizes the best opportunities, and when to take advantage of them.
With a universal process and standards in place, these coins are extremely liquid and heavily traded each day across the industry. This system has created a healthy exchange market that is liquid, transparent, and reliable. We’re constantly evaluating this area and our top recommendations are based on the most attractive values and long-term potential.
To summarize, here are the main reasons you should consider common-date gold:
- Diversification: A critical strategy for most investors, it makes good sense to spread your exposure across market segments to reduce risks and increase the strength of your portfolio as well as potential for profits.
- Fixed and Limited Supply: Because no more will be produced, they can rise in value quickly when demand overwhelms supply.
- Twice the Demand: Pre-1933 U.S. gold coins are in demand by both collectors and investors with new buyers from both categories consistently entering the market.
- A Younger Bull Market: As in the past, the modern bullion market is leading all metals segments in this long-term bull trend with many successful years ahead. Common-date gold is riding the same wave, but we’re convinced it’s at a younger stage in the cycle behind bullion. The way we see it, this segment offers a way to “buy gold at yesterday’s prices” and profit as the gap closes in the future.
- Solid Value at Current Levels: No one is certain what the future holds, but, as with stocks, a critical strategy in acquiring common-date gold is value. We only recommend coins that we’re convinced offer not only excellent long-term upside potential to their previous all-time highs, but also look undervalued in today’s changing marketplace.
Safety from Confiscation
It’s impossible to say how likely such action is or exactly how it would be executed. However, we believe that Pre-1933 U.S. gold coins have the best chance of being exempt from confiscation due to their track record and the fact that they’re valued above their gold content. Therefore, Pre-1933 U.S. gold adds a greater insurance policy to your bullion as well as better upside potential.


The South-American country has made the headlines numerous times in the last years for many good reasons when it comes to claiming its stake in the global race towards a low-carbon economy. Since 2010, when the first Spanish solar companies arrived in Santiago, the country has increased its support for renewable energies by launching well-run tenders without compromising the public finances. Likewise, the local banking sector has also shouldered the development of the sector by providing financing not just to projects supported by PPAs but also and even most importantly to merchant projects.
In 2018, Chile already counts with a market with 4GW of operational solar PV projects and a pipeline of more than 10GW to be built in the next years to come. Approximately 10% of these projects belong to PMGD projects. This type of project, which is limited to projects below 9MW, has several characteristics such as faster permitting, better connection possibilities and other financial traits like being able to sell the electricity under the so-called stabilized price mechanism. This mechanism, which has been shortly described as a hybrid between the spot market and a PPA has spurred significant debt and equity financing in the market. One company that stands out in this sub-sector is the Spanish EPC company GRENERGY with a portfolio of PMGD projects of more than 200MW, of which more than half has been already financed and built.
What investors in Chile appreciate is not only the long legacy of rule of law but also the dollarization of the energy market and the availability of competitive long-term financing. The market is now a second phase where many opportunities abound for an institutional investor. Two different investing strategies seem to exist in the Chile solar PV market:
- Building a PMGD portfolio of assets: the avid investor can build a portfolio of PMGD assets, lock-in the stabilized price mechanism to enjoy long term semi-contracted revenues and extract value by financing on a portfolio basis.
- Acquiring majority or minority stakes in utility scale solar projects with or without a PPA.
- A balanced combination of both
In the long term, Chile will continue to consolidate as a strong market for institutional and infra investors. Time runs in the favour of Chile now as solar capex prices have come down a notch while the country continues to offer excellent solar irradiation conditions
José Gaspar, Solar Portfolios
Solar entrepreneur with financing, strategy and business development skills and 12 years international experience in Renewables investment and financing with positions in Banking (BBVA Greater China), Solar IPP (Solarig) and Advisory (Voltiq). Solid transactional experience gained through more than 30 international debt/equity transactions
Founder of Solar Portfolios in 2015, Jose Gaspar leads the company along Sergio Vera and works on the vision of making the global solar market more transparent and accesible to all types of investors. Solar Portfolios is a deal-centric specialized advisor of solar M&A and financing transactions on a global scale.
greenmatch is the leading web-based investment application for renewable energies. The highly flexible application models the complete financial project lifecycle of your wind, photovoltaic, hydro and biomass projects and optimizes your workflow. Its collaborative and integrative approach allows projects to be analyzed and executed more efficiently, comprehensibly and reliably. Our solutions empower project developers, investors and banks in making reliable decisions and in increasing the success of their transactions. greenmatch is an innovative model to limited traditional spreadsheet applications.


“The Internet is becoming the town square for the global village of tomorrow. “
“Your most unhappy customers are your greatest source of learning. “
“Each person is the Chief Financial Officer of his own portfolio for wealth. Take control of family financial activity. If that sounds daunting, it isn’t. Signing checks, worrying over cash flow, and making financial plans; you are doing it anyway, learn what you need to know. What does the CFO do? Reports accurate information. Controls expenditures and earnings. Most importantly, has an economic strategy.
So who is the boss?
Be the captain of your ship. Go where you want to go and have great wealth.”
~ from www.traderdoc.com
“Taking advantage of potential major winning trades is not only important to the mental health of the trader but is also critical to winning. Letting winners ride is every bit as important as cutting losses short. If you don’t stay with your winners, you are not going to be able to pay for the losers. In addition to not overtrading, it is important to commit to an exit point on every trade. Protective stops are very important because they force this commitment on the trader. “
~Michael Marcus, who turned $30,000 into $80 million in 20 years
“My ability to do what is uncomfortable enhances the profitability as I have a willingness to buy a stock on extreme strength following a significantly bullish news item. In such situations, most investors will wait for a reaction that never comes, or at the very least will place a price limit on that buy order. I also realize that if the news is sufficiently significant, the only way to buy the stock is to buy the stock. Any more cautious approach is likely to result in missing the move. In a similar fashion, one should also be ready to immediately liquidate a holding, even on a sharp one-day decline, if a negative news item has changed the outlook for the stock. The rule is : Do what is right, not what is comfortable. “
– RICHARD DRIEHAUS
“A room full of contrarian thinkers is a crowd.”
Never use contrarian thinking as an excuse to trade against price and trend. A true contrarian thinks independently of the crowd, not simply contrary to it. Focus on what you see in price and trend, and ignore trying to outsmart the market. Trade with the crowd of technical signals in the chart—they have gathered in your trading room for a reason.
“Put the trade on right; then you relax, and let the trade work.”
“In trading, you win by not losing.”
If you can’t manage your risk, it doesn’t matter how much you know about trading. Most people underestimate the emotional pain associated with big losses, and few beginners are prepared for the stress of making decisions with money on the line. Understanding how to mange risk, use leverage, and manage trades is essential to successful trading.
– Dr. Charles Schaap, traderdoc.com
“You can’t predict when it will happen, and you can’t trade it after it has happened; so you must recognize when it happens.”
“It’s better to prepare than predict.”


Coming from a premier engineering institute, it becomes a tad bit tougher to enter the world of finance. Apart from the routine of explaining to people why I chose finance, the lack of an equally interested peer group also acts as a roadblock. I started developing my interest in finance in my 2nd year and I applied for a second major (in finance). Many fail to understand the point that textbooks just provide you a platform with raw concepts. Unless one learns to apply those in real life scenarios, they are quite meaningless.
My first professional experience was during my internship with IB division at J.P. Morgan Mumbai. I learned that understanding the financial statements and the logic behind every multiple used in performing any analysis is crucial. Post my internship at JP Morgan, I completed my Master’s thesis at the most prestigious B-school in India: IIM Ahmedabad. The thesis was aimed at analyzing a recent failed M&A deal in the global tire industry. While working on the thesis I had the opportunity to work on various aspects of M&A including the free cash flow based valuations. It as well involved analyzing the qualitative aspects like the legal and operational issues the parties faced in the failed deal. Gaining exposure to these was a different experience altogether.
It was during my thesis that I came across Project Firefly and the Emerging Leaders Competition. I was quite fascinated by the opportunity. The whole prospect of conveying your thoughts in form of an essay, getting judged by well-known professors was quite stimulating and guess what: there were few prizes too! I wrote my essay on the efficient markets hypothesis; it was well received and I was soon asked to be an Ambassador at Project Firefly. This was a defining moment for me. Next, I participated in the Holt Valuation Challenge and quite successfully learned an advanced valuation technique and gained access to the HOLT Lens™. I didn’t participate in 2nd round due to personal reasons but as I try to remember I was among the top 150 people after round 1. This was quite an achievement on its own for me. I have since then used HOLT Lens™ quite a lot in gaining an understanding of stocks that interest me. I usually compare my analysis to the market movements which helps me in acquiring a mature approach to analysis the next time.
It has been 7 months since I joined as an Analyst at BCC (an offshore unit of Bain & Company) in New Delhi. I have mainly worked on corporate finance cases to analyze the Shareholder returns for a company and its industry peers. All the practical experiences have helped me nurture a lot of skills that in turn have helped me insanely at my job. To all the peers/students who are looking to breakthrough in the financial world, I would advise to not only stick to their curriculum and textbooks. Go make an extra effort, learn how to apply the concepts you read. That is how you learn, how you succeed. It just takes an ‘extra’ effort to make an ordinary career into extra-ordinary. Project Firefly did the same for me and I am really grateful for the part they played in my career so far.


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Our accountancy and accounting services Melbourne based bookkeepers will certainly help you choose in between the cash or amassing or the combination of both cash-accrual based of accountancy depending upon the nature and dimension of the business. A cash based of accountancy records purchases at the time of the cash was received or paid despite when the purchases have happened. This type of accountancy is suited to tiny organisations or local business but vulnerable to much more errors
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Sell Mazda CX-5
Although the Mazda CX-5 vehicle is relatively new to the car market, you may be ready to sell yours for cash and move on to something else.
If you’re wondering how much money you can get if you sell your Mazda CX-5, especially if you are interested in a stress-free process, you’ve come to the right place. Consider selling your CX-5 to a respectable company like Cash Auto Salvage.
Companies like Cash Auto Salvage offer free towing and on-the-spot payment. In addition, your cash offer is based on the vehicle’s value. The better the condition of the Mazda, the more you’ll make.
When an offer is prepared for your vehicle, a few major factors are considered:
- The interior and exterior condition of the car
- The mileage
- The model and year of the CX-5
- The market price of scrap metal (if the vehicle is considered “junk” condition)
- Whether the title is clean
Introduced for the 2013 model year, the CX-5 is now in its second generation of production. Introduced as a compact crossover SUV, the CX-5 is the first vehicle to use Mazda’s new Skyactiv Technology suite, which features an efficient engine and transmission for reduced emissions and fuel consumption.
Even if you haven’t had your CX-5 long and you’re worried because it’s not in the best condition, don’t be. At Cash Auto Salvage, we are interested in your vehicle no matter the condition. Whether it’s gently used, has more damage than you’d like to repair, or no longer running, we are interested in preparing a non-obligation quote for you to consider.
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Kyber Network and BitTorrent have announced the integration of KyberSwap with BitTorrent Chain (BTTC) as their 11th chain integration, with more than $1.5M in liquidity mining and trading incentives available to users immediately.
The partnership will accelerate DeFi’s adoption with the combined benefits of best trading and earning rates, ease of use, security, and multi-chain capabilities.
Making Liquidity Mining Attractive
KyberSwap is the leading multi-chain DEX and is the best place to trade and earn the most excellent rates in DeFi. As of March 2022, KeyberSwap was the #7 DEX in terms of TVL growth and facilitated over US$8B of the trading volume. BitTorrent is an EVM cross-chain designed protocol that adopts the PoS (Proof-of-Stake) mechanism and leverages sidechains to scale smart contracts. For the next 4 months, from 21st April, users of KyberSwap and BTTC can participate in more than US$1.5M of liquidity mining incentives.
Will KyberSwap become the de-facto DEX with the most liquidity and swaps on BTTC and cross-chain bridging with Ethereum, BNB chain and Tron network? The partnership certainly hopes so.
Why add liquidity on KyberSwap? KeyberSwap allows liquidity providers (LPs) to maximize returns with the best trading rates, attractive incentives and yields.
Amplified Liquidity Pools have extremely high capital efficiency; fewer tokens are required to achieve better liquidity and rates than AMMs.
Dynamic Fees that react to market conditions and optimize returns for LPs.
Better Reliability & Security: Audited by ChainSecurity and insured up to $20M by Unslashed Finance.
Fully Permissionless: Anyone can easily add liquidity for any token pair to KyberSwap pools, while any taker (e.g. Dapp, aggregator, or end-user) can access this liquidity.
No Centralized Oracle: No third-party or centralized price feed oracle risks. Oracles refer to a middle software that shares info between non-blockchain sources and blockchain sources (central software that connects blockchain to the outside world)
With KyberSwap, BTTC users can trade and earn with the best rates and access the full spectrum of multi-chain DeFi capabilities. With monthly trading competitions, community giveaways, and an exclusive airdrop for all users who participate on-chain, KyberSwap is making it more attractive to add liquidity and maximize returns using its platform; and that’s not all! Even more integrations, features, and rewards will be coming up soon!
KyberSwap is excited about this partnership. The team is holding a sure-win trading contest with a $30,000 KNC reward pool to kick things off! Winning is straightforward; just follow the steps:
Step 1: Visit kyberswap.com
Step 2: Ensure you are on the BitTorrent Chain and have some BTT tokens in your wallet for gas fees.
Step 3: Perform ANY token swap. The minimum trade volume is $100.
All trades must be carried out on kyberswap.com. From 21st to 30th April, simply perform any token swap on BTTC to get your share of the rewards pool.
For The Love of BTTC & KyberSwap
The partnership between BTTC and KyberSwap brings attractive incentive campaigns for all users who love the two platforms. BitTorrent will be enhancing liquidity on KyberSwap with a $1.5 million liquidity mining campaign. Over the next four months, starting from April 21st SGT, liquidity providers can add any liquidity to the 13 eligible pools on KyberSwap on BTTC; to unlock their share of $1.5M in BTT and KNC rewards.
BTTC farms on KyberSwap will be allocated over $1.5M in BTT and KNC rewards over four4 months. The following farms listed below will go live on Thursday, April 21st, 2022, at 20:00 GMT+8, and other farms to be announced.
Saving the best for last and putting the cherry on top of this fantastic partnership, in their upcoming Gleam Campaign, there’s also $200 KNC to give away to five lucky winners! You have to follow some simple tasks, and five lucky winners will be selected at random to win $200 each in KNC!
Full details will be announced later, so stay tuned to the announcements to avoid missing out!
How to Start Liquidity Mining With BTTC
In order to start farming $BTT and $KNC all you have to do is:
Step 1: Visit kyberswap.com
Step 2: Make sure you are on the BTTC network and have some BTT tokens for gas transaction fees.
Step 3: Visit the Pools page and add liquidity into the eligible pools. Eligible Rainmaker pools are identifiable by a raindrop 💧 icon. You will receive Liquidity Provider (LP) tokens representing your pool share after you add liquidity.
Step 4: Go to the Farm page and click Approve on the farm you wish to add liquidity to. Once approved, stake your LP tokens on the farm and you will start receiving BTT and/or KNC rewards, which can be harvested anytime. There is no vesting period!
Make sure to check out the Kyber Network’s Medium post on the matter for the full details and explanations.
This is a sponsored post. Learn how to reach our audience here. Read disclaimer below.


Iron ore prices fell on Tuesday after a state-backed bourse in China said it would limit trading volumes of futures contracts for the key steelmaking ingredient.
According to Fastmarkets, benchmark 62% Fe fines imported into Northern China fell 0.69%, to $126.01 per ton.
The most-traded January iron ore contract on China’s Dalian Commodity Exchange (DCE) ended daytime trading 0.48% lower at 923.5 yuan ($126.81) a metric ton.
The DCE said late on Monday that trading volumes of opening both long and short positions on iron ore futures from January to May 2024 among any non-futures company member shall not exceed 1,000 lots on any single day, effective Wednesday.
Trading volume on the other futures contracts shall not exceed 2,000 lots for a single day, it added, while trading volume for hedging and market-making of opening positions shall be exempted.
The DCE also announced it will raise trading fee rates of iron ore futures contracts from January to May 2024 from daytime trading on Thursday.
“The move is to curb the excessive speculative activities and we expect iron ore prices to move within a limited range in the short term,” said Cheng Peng, a Beijing-based analyst at Sinosteel Futures.
Also weighing on sentiment was news of unseasonably cold weather and blizzards hitting northeast China on Monday, raising concerns that more regions will be hit by the cold wave, affecting construction activities.
($1 = 7.2824 Chinese yuan)
(With files from Reuters)


The following text is a full version of press release:
Prague, London, October 22, 2008 – N.V. (‘Zentiva’ or the ‘Company’), a leading CEE pharmaceutical company that develops, manufactures and markets modern branded generic pharmaceutical products announces that it expects to report net sales for the first nine months of 2008 of around CZK 13 billion, representing an 18% increase over the same period in 2007. During the first nine months of 2008, Zentiva’s sales have been negatively impacted by the strength of the Czech Koruna, the Company’s reporting currency. At constant exchange rates, net sales in the first nine months of 2008 would have increased by 28% versus the corresponding period in 2007. This increase in sales in 2008 has been driven by the Company’s new Turkish acquisition which has provided a platform for growth and has given a much more balanced market presence.
Jiri Michal, Chairman and CEO commenting today said:
“Zentiva’s sales performance during the first nine months of 2008 demonstrates the inherent strength of our much more broadly based business. This is particularly true given the impact of the stronger Czech Koruna during the period. We are continuing to make good progress in Turkey, our Romanian business is now in much better shape and in Russia our sales are continuing to grow at an attractive pace. These developments are allowing us to overcome the anticipated sales decline that we are seeing in the Czech Republic. Our higher sales have also allowed us to deliver an improved operating performance as a result of the integration benefits that we are generating in our Turkish business and our on-going focus on efficiencies across all of the activities of the Group.”
In the nine months of 2008, saw the following net sales trends:
?? In Turkey, achieved net pharmaceutical sales of approximately CZK 2.3 billion, impacted to a large degree by the CZK/TRY exchange rate. In the 3rd Quarter net sales have increased by approximately 22% in local currency terms
?? In Romania, the Company’s net pharmaceutical sales declined by around 19% yoy, to a large extent due to the strength of CZK. In local currency terms sales in Romania increased by approximately 2% in the first nine months of 2008. In the 3rd Quarter of 2008, sales in Romania more than doubled in local currency terms. This reflects the benefits of the actions that have been taken in the last fifteen months to create a more solid business platform in this important market and the low level of sales in the 3rd Quarter 2007.
?? In the Czech Republic, the Company’s net pharmaceutical sales were down 11% yoy as anticipated. This sales decline reflects the impact of the introduction of mandatory fees for doctor visits and prescriptions from the beginning of the year.
?? Zentiva’s other markets and other non-pharmaceutical businesses have made an important contribution, with net sales up 16% yoy (almost 27% at constant exchange rate) driven by strong performances in Russia, Ukraine, the Other CIS countries, and Bulgaria, as well as the consolidation of our non-pharmaceutical businesses in Turkey.
will provide further details on its performance for the nine month period ending September 30, 2008, on November 10, 2008 at noon CET, when the Company’s Nine Month 2008 Report is released.


The stakes were high as bidders from around the globe took part in one of the most anticipated auctions of the season at Christie's this past weekend, where buyers had the chance to bid on some rare and important jewels, as well as some items that belonged to Lucille Ball.
Twelve items from the estate of Lucille Ball were auctioned off, including five pendant necklaces, two watches, two rings, a retro diamond and gold evening bag and matching cigarette case, selling for a combined total of $331,000. Part of the proceeds went to the Lucille Ball-Desi Arnaz Center, in Jamestown, NY.
The most anticipated sale of the day was an extremely rare blue diamond ring, a 5.07-carat rectangular cut "fancy" stone within a pave-set pink diamond, which sold for the highest price of the day to an anonymous buyer over the phone. The blue diamond was simply described as having been the "property of a gentleman". It was the last sale of the day.
The total in sales for the day was $38,878,650, the highest selling item going for $2,885,800 and the lowest selling item, a colored diamond ring, going for $1,375.


? Cool title, but what’s the news?
On November 7th, The Ministry of Finance approved (finally) a proposal for a hike in the pay of the employees of the Film and Television Institute of India (FTII). Once the pay commission comes to effect, the FTII would end up spending about 20.4 crore/annum on salaries of FTII employees.
? Okay, but what does it mean?
When in Jan 2017 the FTII implemented a pay scale revision, they did it without proper concurrence from the Ministry of Finance. And then they withdrew it only two months later. The FTII had to recover the extra salary paid to its 166 employees for the months of April and May.
This approval now comes as a good news to everyone working permanently with the FTII. Because the employees had blamed the ‘goof up’ in pay scale revision to have had caused them inconvenience and a loss of funds.
? I get it, but why should I care?
For you personally: Balance has been restored in the universe.
Ideally, you should just be happy reading this happy news, the balance has been restored in the universe and everyone (meaning government employees) can now enjoy the benefits of the 7th Central Pay Commission .
For increasing your knowledge: Here are the numbers.
Several reports in the past have indicated that the FTII spends about 19 crores/annum in salaries. This amount will now be increased to about 20.4 crores. The MoF directs that the autonomous bodies are to bear the additional burden of the salaries. Hence the FTII would require about 1.5 crores more to do so. Fortunately, the FTII had written to the Information & Broadcasting Ministry and was prepared to bear about 30% of this additional cost (about 45 lakhs), and hence the proposal to bring into effect the pay commission should be approved.
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Sushil Sonawane Asked us:
I am a little worried whether all the documents I submitted using the Sqrrl App for my KYC verification will be safe.
So we told him:
You don’t need to worry because the only use of the documents you submit to us is for verifying your identity. They’re directly submitted to the Central KYC system for verification. We store the documents you submit on a secure and encrypted server. They can not be accessed by anyone, and cannot be used for any purpose but your KYC verification.


Uk Georgia Trade Agreement
The agreement introduces a preferential trading system – the Deep and Comprehensive Free Trade Area (ACFTA). This regime improves market access between the EU and Georgia on the basis of better coordination of the rules. The CCFTA has been applied on an interim basis since September 1, 2014. On 21 October 2019, British Foreign Minister Dominic Raab and Georgian Foreign Minister David Zalkaliani signed a strategic partnership and cooperation agreement to strengthen relations between countries following the UK`s withdrawal from the European Union. The agreement – officially known as the UK-Georgia Strategic Partnership and Cooperation Agreement – is the first continuity agreement between the UK and an Eastern European country. The agreement obliges us to continue our cooperation in areas such as financial services, education, transport, industry and environmental protection. It also welcomes Georgia`s strong commitment to an ambitious programme of reforms in key areas such as governance, economic reforms, trade and security policy. The agreement is expected to enter into force on 1 January 2021 (or as soon as possible). Foreign Minister Dominic Raab and Georgian Foreign Minister David Zalkaliani sign the agreement on trade continuity and strategic cooperation. The UK is one of the top ten investors in Georgia, while two of the country`s largest banks – TBC Bank and Bank of Georgia – are included in the FTSE 250 stock index.
Statistically, trade between the UK and Georgia was $95 million in 2018. The agreement was therefore a necessary step to ensure minimal disruption for businesses and consumers in both countries, when the EU and Georgia agreement will no longer apply to the UK, either after an implementation phase or after a Brexit without a deal. The agreement will ensure that UK businesses and consumers continue to trade preferably with Georgia after leaving the EU. After leaving the European Union, the UK plans to negotiate trade agreements to replace and complement members of the EU Customs Union. Since October 2020[update], the UK has concluded a new trade agreement (with Japan) for the continuation of 20 existing agreements (EU) and new negotiations are under way. The British government calls itself a proponent of free trade.   The European Union Free Trade Agreement contributes to EU growth: in 2018, the EU was the world`s second-largest exporter (15.5%) before the United States (10.6%) China (15.8%).  The latest information is available at: EU trade agreement with Georgia The UK government has powers over international trade and trade agreements as well as the right and power to pass legislation on all matters under parliamentary sovereignty, but it will normally seek approval from the Devolved Parliament (s) when areas conflict with decentralized jurisdictional issues in the agreement regardless of their capacity to legislate, the Foreign Secretary today signed an agreement between the UK and Georgia to ensure that our trade and political relations remain strong even after we leave the EU. Once the agreement comes into effect, you can obtain certificates of origin after the fact from your usual supplier.
If you have questions about trade from January 1, 2021, contact the Department of International Trade (DIT).


For the third straight day, all main cryptocurrencies, together with Bitcoin, Ethereum, and Solana, prolonged their positive factors because the state of affairs lastly picked up tempo.
Though it has maintained barely above $21,000 over the earlier 24 hours, bitcoin has been fairly secure and calm.
The king coin has been overshadowed by altcoins, with ETH, SHIB, AVAX, and SOL all posting important day by day will increase.
Following the Fed Chair’s most up-to-date announcement concerning mountain climbing rates of interest, BTC retraced from its week-long high of $21,500. The market worth of cryptocurrencies on Saturday, June 25 elevated by 2.67 p.c on the day before today to achieve $954.13 billion on the time of writing.
Probabilities of Upside are Under Average ?
A widely known cryptocurrency dealer has predicted what has to occur for probably the most beneficial digital asset, Bitcoin, to show bullish. Rekt Capital, a cryptocurrency analyst, predicts that Bitcoin would probably endure till its buy-side quantity begins to extend.
Rekt Capital additionally factors out that this week’s purchase quantity for BTC is insignificant in comparison to purchase volumes at previous bear market bottoms that occurred close to the 200-week transferring common.
Compared to purchaser quantity at prior Bear Market Bottoms created across the 200-week transferring common, the BTC buy-side follow-through on final week’s excessive promote quantity remains to be fairly low because the week involves a end.
Then, Rekt Capital issued a warning to buyers, stating that Worry of Lacking Out (FOMO) BTC investments ought to sometimes be saved for unhealthy days, particularly if BTC is round $20,000.
Moreover, he predicts that the highest cryptocurrency asset by market cap will most likely backside out when buyers least count on it to.
“Not solely will the BTC backside happen while you least count on it to. However it can happen in a second when you’re devoting much less time/thought to crypto basically. Consolidation conjures up boredom & downtrends provoke the ostrich impact. Each distract from alternative.”
On the time of writing, BTC is buying and selling at $21,089 and has elevated by 0.49 p.c within the final 24 hours.
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What seems to be a fresh attempt to sway the Fed to take rates negative saw immediate backlash from sound-money supporters.
Econometrics Of Risk Football finance expert Kieran Maguire has warned that the Championship is currently a "high-risk" industry, with the. The Organizing Committee is pleased to announce the 5th annual Financial Econometrics & Risk Management Workshop & Conference in London, Ontario, Federal Reserve Chair Jerome Powell, in a sober review of where the U.S. economy stands on the
27 juli 2018.
Bitcoin was trading lower Friday morning after the SEC rejected a bitcoin ETF for the second time. The coin was trading down 1.35% at $7,840.
28 Jul 2018.
Bitcoin believers are flocking to a sympathetic SEC commissioner's.
Tyler Winklevoss's second attempt to list shares in a bitcoin ETF was shot.
The Winklevoss Bitcoin ETF is an exchange-traded fund that will make it much easier to invest in the Bitcoin digital currency. The Winklevoss Bitcoin Trust still requires SEC approval of a rule.
26/07/2018 · The Winklevoss twins’ dream of launching a bitcoin ETF was dealt another blow on Thursday as the Securities and Exchange Commission ruled.
24 Aug 2018.
In contrast, when the proposed rule change for the Winklevoss bitcoin ETF was rejected in March, it took Bats BZX exchange to file a petition for.
Toronto-based investment manager 3iQ Corp. has completed a $48 million offering in its Bitcoin Fund (QBTC.U), trading on the.
18/11/2014 · There are many questions surrounding the Winklevoss Bitcoin Trust ETF (COIN) such as its viability as an investment vehicle, its first-of-a-kind exposure to an unregulated crypto-currency, and.
The Winklevoss Bitcoin ETF (BATS: COIN) is a proposed exchange-traded fund that will buy and hold Bitcoin to back the shares investors have purchased. If approved by the U.S. Securities and.


Industry body PHDCCI has asked the government to direct central Public Sector Undertakings (PSUs) to clear all pending payments of Micro, Small and Medium Enterprises (MSMEs) to help the sector tide over financial woes. In a representation to MSME minister Narayan Rane, the chamber said the sector is facing the problem of delayed realisation of their bills and receivables, particularly from their large corporate buyers and government organisations, for a long time.
As a result of these delays, MSMEs face financial hardships and liquidity constraints which lead to severe pressure on their working capital management, and many of them turn into 'Non Performing Assets' (NPAs).
This severely affects sustainability of their operations, it said in the representation.
"The government should direct all CPSUs to make payment of their entire overdue bills in 30 days and take steps to provide adequate funds to those CPSUs which report lack of financial resources to meet their payment obligations.
The chamber also made a case for relaxation in classification of MSMEs' accounts in NPAs.
Government supplies are high value in nature and since purchases by PSUs and government departments are on behalf of government of India, their payment is guaranteed and risk-free, PHDCCI said in the representation.
"It is therefore desirable that relief be granted to such units whose bills and receivables are stuck with government organisations and private companies from classifying.
PHDCCI said there are apprehensions that if the problem of delayed payments of MSMEs' bills is not resolved, it might lead to large number of MSME accounts being referred by banks to the National Company Law Tribunal (NCLT) for insolvency proceedings under the Insolvency and Bankruptcy Code.


The term capitalization is used when the acquisition costs are recorded as assets
rather than treated as expenses. The accounting standards differentiate between two kinds of expenses. The first
type of expense is incurred on assets that will be consumed immediately in the normal work of the company. The
second type represents expense on assets that will be operating for many years to the benefit of the company. An
asset which provides service for many years may be capitalized. It will be referred to as capital expenditure
and added to the asset account. This increases the value of the asset as defined for tax purposes.
The term capital expenditure covers several types of assets. Amounts spent on the acquisition of fixed assets fall into the category of capital expenditures. Similarly, the money spent to add value to existing fixed assets qualifies as capital expenditures. The requirement is that the assets have useful life that extends beyond one calendar year. Repair work on problems that existed prior to the acquisition of the assets fall into this category. Other covered categories are: the start-up costs of a new business activity, the renovation and adaptation of assets to be used by the company, and the legal costs to establish and maintain property rights over a real estate. Expenses which are incurred to maintain the current condition of an asset shall be deduced during the same year.
Capital expenditure is used most extensively in the oil, telecommunications, and utility industries. In general, capitalization is beneficial for companies because it allows for the delayed recognition of expenses. Companies that acquire long-term assets can spread out the costs over certain periods of time. Usually, the goal is to maintain or enlarge the scope of activities. When the cost of equipment is capitalized, the particular item is recorded as a tangible asset on the balance sheet. Shipping charges are also capitalized and included as assets. Then, the asset is subject to depreciation for many years. If the item in question is an intangible asset, it will be amortized. Costs which are not capitalized will appear as the costs of the items.
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More on Economy
“I am deeply frustrated by the relief bill introduced by Senate Republicans yesterday. After months of inaction, their proposal fails the American people during this once in a lifetime global crisis.
(Washington, DC) Today, Representative Malinowski announced the inclusion of funding priorities requested by Mayors throughout New Jersey’s 7th district in the Fiscal Year 2021 House Appropriations packages that will be passed in the House of Representatives over the coming weeks.
(Somerville, NJ) Following the release of data from the U.S. Small Business Administration (SBA) on the Paycheck Protection Program (PPP), Representative Tom Malinowski announced nearly 15,000 small businesses and non-profits in New Jersey’s 7th district have received PPP loans, supporting over 135,000 jobs.
(Washington, DC) Today, the House of Representatives passed the Moving Forward Act, comprehensive legislation that will invest $1.5 trillion to rebuild America’s infrastructure and jumpstart our economy. Earlier this week Representative Malinowski spoke on the House Floor in support of the bill; you can find a transcript and video of his remarks here.
(Washington, DC) Today, Representative Malinowski spoke on the House Floor in support of the Moving Forward Act, a comprehensive bill to rebuild America’s infrastructure and jumpstart our economy. You can find a video of his remarks here and a transcript below.
(Somerville, NJ) Today, the Federal Transit Administration announced that New Jersey Transit will receive $13.3 million in funds directed towards operations in rural communities. This funding is part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, the $2 trillion emergency stimulus package Congress passed in March.
(Somerville, NJ) Today, Representative Malinowski is sending a reminder to all small business owners of New Jersey’s 7th Congressional District of the approaching June 30th application deadline for the Paycheck Protection Program (PPP). For additional information on small business relief options and to apply for a forgivable loan, click here.
(Washington, DC) Today, the House passed the Paycheck Protection Program Flexibility Act, a bipartisan bill to provide needed flexibility for small business owners amid the COVID-19 health and economic crisis. Representative Tom Malinowski cosponsored the bill.
(Washington, DC) Today, Representative Tom Malinowski spoke on the House Floor to call on Congress to provide direct federal aid to state and local governments. Watch a recording of the speech here.


TeraExchange offers market participants an anonymous central limit order book (CLOB) for execution of a wide range of clearable swaps, as well as request-for-quote (RFQ), request-for-market (RFM) and indications of interest (IOI). Clearable swaps that can be traded on TeraExchange include interest rate swaps, credit default swap indices, and FX cash-settled and non-deliverable forwards. Bilateral contracts include equity derivatives and bitcoin forwards.
The company plays an important role by increasing the certainty of clearing, helping participants meet the regulatory goals of increasing transparency, accountability and oversight in the derivatives markets. TeraExchange also provides the world's first regulated bitcoin index - the Tera Bitcoin Price Index (TeraBit) - creating a benchmark for portfolio valuation.
TeraExchange has an extensive range of approved derivative instruments for clearing by connected clearing houses, including CME and LCH.Clearnet.
In addition, TeraExchange offers two complementary trading tools for market participants. TeraDirect is a sophisticated front-end execution management system that displays all information and functionality needed to trade on TeraExchange. TeraCheck is a proprietary pre-trade credit risk management engine that allows market participants and their clearing members to enter and maintain appropriate risk controls and promotes the firmness of orders and finality of trade execution. TeraCheck integrates seamlessly with all in-house and external credit hub systems.
Participants wishing to design their own execution solutions to trade on TeraExchange may connect via FIX.
TeraExchange is open for trading from 7:30am to 5:00pm ET Monday through Friday. Our customer service team is available during all regular trading hours.
Tera Bitcoin Price Index is published 12:00am to 11:45pm UTC seven days a week including holidays.
The exchange is closed on the following U.S. holidays in 2016 (unless otherwise noted).
|New Year's Day||January 1||Closed|
|Memorial Day||May 30||Closed|
|Independence Day||July 4||Closed|
|Labor Day||September 5||Closed|
|Thanksgiving Day||November 24||Closed|
|Thanksgiving Friday||November 25||Early Close|
|Christmas Eve||December 23||Early Close|
|New Year's Eve||December 30||Early Close|
*Subject to change.


When I started freelancing, I didn’t know any other freelancer in my own line of work. There were other creative people I knew who were freelancing but not writers or editors. So learning the ropes of the trade has literally happened with own experiences and trial & error. What I was not prepared for is that unlike it is in being involved with a brand or a company directly, in freelancing, you spend a good amount of time in haggling, sending reminders and following up on payments due.
One of the things which I’d gauged early on was that work with foreign clients went smoother than those from local clients. While the scene has changed to a large extent in relation to local clients, foreign clients are still as reliable as ever. And a large part of the credit goes to PayPal, to be honest.
My first client who’d sent me payment via PayPal was a fashion magazine I used to write for. It’s been years since the magazine shut shop, but the experience remains as a for memory. Every payment was made within 24-hours of sending the invoice and PayPal made the conversion, transition and experience extremely smooth!
A couple of months ago, I worked with a client from another Asian country. It was my first time working with another Asian country and I’ll be honest, I had some doubts about the reliability on prompt payment. Having worked with clients from US, Australia and parts of Europe, I was more at ease and knowledgeable about how payments worked. To my amazement, the process was smooth and the money would get transferred to my own linked bank account within 24 hours every time. The payee being a registered and verified member on PayPal gave me the assurance that I would not have to worry of (possible) non-payment. The inconvenience.
Freelancer can use PayPal not only to receive payments from foreign clients but also avail the host of friendly options like PayPal.Me where one simply needs to create a link which can be personalised and shared with clients for easy credit of the payments. PayPal understands that it is important to gain trust of freelancers for which they have Seller Protection Policy specially for freelancers.
Recently, PayPal has introduced Go Global Campaign to facilitate freelancers take up business opportunities through the platform. Since the freelancer community, though small, is a well-connected and depends a lot of the community’s influence. The process is pretty simple keeping in mind that the medium wants freelancers to have hassle free experience on the website. PayPal has tie-ups with different freelance networks, which helps the registered users look for freelance options as well. This sounds like a great thing apart from the existing services PayPal offers.
Freelancing is not what is largely assumed to be – a low paying option to earn some pocket money. It can be high paying and one way to ensure that is to associate with foreign brands and individuals. PayPal makes the process easy and one can easily double their income just like I have.
Get your dues and work with clients who appreciate your level of sincerity and deliverables. In no way am I saying that local clients should be avoided, I have myself worked with some brilliant brands and individuals. But, foreign clients bring in variety to you resume and you learn a lot of things to. Create a business out of your freelance profession and bring on board, clients from as many countries as you can!


We have requests from people who want to transfer the ownership of their house to their children now in order to avoid its loss should they enter long term care, but this presents its own problems. What if your children die, divorce, become bankrupt or estranged from you? . What about the capital gains tax liability your children may have to suffer? If your intention is to give your home away in order to avoid its value being used to pay for your care in the future, then this is likely to be considered ‘asset deprivation’ and simply will not work.
As Property Lawyers and Trust and Estate Practitioners, Goddard Dunbar can advise you as to the advantages and disadvantages of placing your house into trust. The ideal situation is to own nothing but to control everything, and to ensure that such control can pass on to others who in turn will own nothing but gain control of everything. This concept often reserved for the rich and wealthy to protect their assets and to simplify the management of such assets is now available to you and will help solve all of the problems discussed, and more.
With this in mind, Goddard Dunbar’s Home Protection Trust can help prevent the problems we have highlighted from arising. With your home in a Home Protection Trust, you no longer own the property, but you still control it.


Item 5.02. Departure of Directors or Certain Officers; Election of Directors;
Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.
On January 8, 2021, Corvus Gold Inc. (the "Company") appointed Ronald Largent as
Executive Chairman of the Company, effective January 1, 2021. Mr. Largent has
been a director on the Company's Board of Directors since March 11, 2019 and is
an experienced mining executive, he most recently for AngloGold Ashanti from
1994 to 2017 and in the capacity of Chief Operating Officer - International from
2012 to 2017 and worked for AMAX Gold from 1988 to 1994.
Mr. Largent will receive additional compensation in relation to his appointment
as Executive Chairman. Mr. Largent's daily rate will increase to $2,500 per day
with a base level retainer of $15,000 per month and, he will continue to receive
his normal director fees of $3,000 per month. As a result of Mr. Largent's
appointment as an executive of the Company, Mr. Largent was replaced on the
Compensation Committee and Corporate Governance and Nominating Committee of the
Company's Board of Directors.
Mr. Largent does not have a family relationship with any other member of the
Board of Directors or any executive officer of the Company, and has not been a
participant or had any interest in any transaction with the Company that is
reportable under Item 404(a) of Regulation S-K. There is no arrangement or
understanding between any of the Company's officers and directors and Mr.
Largent pursuant to which he were selected to serve as an officer.
Item 7.01. Regulation FD Disclosure.
On January 13, 2021, the Company issued a press release reporting initial core
results from the new Lynnda Strip discovery, Mother Lode Project, Nevada. The
press release also reports the appointment of Ronald Largent as Executive
Chairman. A copy of the press release is attached to this report as Exhibit
99.1. In accordance with General Instruction B.2 of Form 8-K, the information
set forth herein and in the press release is deemed to be "furnished" and shall
not be deemed to be "filed" for purposes of the Securities Exchange Act of 1934,
as amended. The information set forth in Item 7.01 of this report shall not be
deemed an admission as to the materiality of any information in this report on
Form 8-K that is required to be disclosed solely to satisfy the requirements of
Item 9.01. Financial Statements and Exhibits.
99.1* Press Release, dated January 13, 2021
104 Cover Page Interactive Data File (embedded within the Inline XBRL
* The foregoing exhibit relating to Item 7.01 is intended to be furnished to,
not filed with, the SEC pursuant to Regulation FD.
© Edgar Online, source Glimpses


Monaco Telecom has completed a €250 million acquisition of Vodafone Malta, the company said on Wednesday.
The company, which is owned by the government of Monaco and French billionaire Xavier Niel’s firm NJJ Holding, received regulatory approval from the Malta Communications Authority to conclude the deal on March 17.
It will continue to operate under the Vodafone brand for a transitional period.
Monaco Telecom first announced its plans to enter the Maltese telecoms market in late December.
Tamas Banyai will take over as CEO of the Malta operation, following the departure of Vodafone Malta’s Sonia Hernandez. Banyai has led Vodafone Malta’s Consumer Business Unit since 2014.
In a statement announcing the acquisition, Monaco Telecom CEO Martin Peronnet said the company would be fully focused on Vodafone Malta customers’ user experience and he sent out a strong message of support to Vodafone Malta staff.
“We are committed to keep them safe while they offer the best of technology and experience,” Peronnet said.
Banyai said: This is a timely move for Vodafone Malta as Monaco Telecom’s international experience prepares us for the future at a time when customer needs are changing fast and we have to adapt to globally challenging times.
“My background gives me a thorough understanding of customers’ changing needs and, with our new shareholders, we will be focusing on network investment and customer experience. The purpose of our company is to connect Malta for a better future and the need for delivering on this is now more pronounced than ever.”
Vodafone Malta was the first overseas Vodafone UK expanded into and introduced mobile telephony to the island through a company then called Telecel.
The deal to sell to Monaco Telecom comes two years after a proposed merger with Melita fell through due to objections raised by the competition regulator.
This is Monaco Telecom’s second overseas business aquisition, with the company having recently bought up Cypriot telecoms operator Epic.
Xavier Niel, who part-owns Monaco Telecom through his firm NJJ Holding, also has interests in telecom operators in Switzerland (Salt) and Ireland (Eir), and Iliad-Free (France and Italy).


An anonymous Twitter user who goes by the username @BTCHODLVirginia took to Twitter last week to complain about all the "shitcoiners" and "fiat maximalists" hurting the BTC price. Shortly after tweeting an angry storm about SBF and Berry Silbert, @BTCHODLVirginia tweeted that "We are never going under $17k again, goodbye cheap sats."
@BTCHODLVirginia's sentiment seems to be a theme in a certain subset of Bitcoin Twitter. You can see it in CEO of Swan Bitcoin's Cory Klipsten's Twitter posts where people decry "shitcoin scammers."
Another trend that @BTCHODLVirginia has been a part of is posting their NOSTR public key, as well as pictures of their weekly $25 "stacks" on Swan. A "stack" or the act of "stacking" is a term used by a large portion of Bitcoin twitter referring to individuals giving up all their personal information to some entity in order to exchange money from their bank account for Bitcoin.
A large contingency of Bitcoin Twitter has been publicly celebrating the act of "Stacking" by posting public pictures of their purchases on Twitter. They have been participating in something called a stack chain which appears to be some sort of peer pressure campaign in an attempt to get individuals to use products like Swan and Strike as well as to collectively try to raise the price of Bitcoin.


Aware Super, one of Australia's biggest industry funds, and VISSF, one of the country's smaller funds, have begun exploring a merger.
Superannuation fund executives in Australia are largely unconcerned about rising inflation expectations.
United Technologies and Raytheon's merger presented challenges for CIO Robin Diamonte and her staff in merging the firms' retirement plans.
Interest in state private-sector retirement programs continues to grow, particularly as states grapple with the economic impact of COVID-19.
International retirement and savings plans for those working outside their home country have continued to grow in popularity.
The CEO of UniSuper, the Melbourne-based super fund focused on the higher eduction and research sectors, will depart later this year.
Australian industry funds Maritime Super and Hostplus agreed to pool assets as an alternative to Australia's wave of fund mergers.
Total assets in the 22 largest major retirement markets reached 80% of GDP in 2020, up a record 11.2 percentage points for the year.
Cbus added three senior investment professionals amid its continued push to bring more portfolio management in-house.
Aware Super wants to grow to be able to manage up to $230 billion, a push that could see it open offices in Europe and the U.S.
The key to successful adoption of financial wellness options is ensuring that they meet the needs of sponsors’ unique employee groups.
Tontines, with the promise of mortality credits, could attract growing numbers of clients hoping to win the pension lottery.
Despite a roller-coaster ride in markets as a result of the coronavirus pandemic, retirement plans ended 2020 with solid investment returns.
State Super tapped its acting head of investments as the $32.6 billion Sydney-based fund's new chief investment officer.
Hub International acquired Alpha Pension Group, a Boston-based registered investment adviser firm, following six similar deals last year.
National Employment Savings Trust will boost its private markets exposure to about 15% by 2022.
Malaysia's Employees Provident Fund approved $4.8 billion in hardship withdrawals under a program announced in November.
The Australian Prudential Regulation Authority has increased scrutiny of the performance of the country's superannuation funds.
U.K. retirement plans want the Pensions Regulator to keep deficit recovery contribution holidays despite a stable outlook for 2021.
Research from Georgetown University showed a national policy to close the retirement savings gap could boost savings and retiree income.
Raymond James Financial agreed to acquire NWPS Holdings, a provider of plan administration, consulting and actuarial services.
AustralianSuper portfolio assets have exceeded A$200 billion for the first time, with size and scale improving its prospects.
Infratil's board has rejected AustralianSuper's bid to acquire the infrastructure firm, citing "significant deficiencies" in the offer.
AustralianSuper announces an offer of $5.21 a share for New Zealand Stock Exchange-listed infrastructure developer and manager Infratil.
Malaysia's Employees Provident Fund has pegged employees' contribution rate for 2021 at 9%, another year below the statutory rate of 11%.


Crude Oil Inventories On Deck
Shain Vernier • 2 min read
October has brought energy sellers to the crude oil market in droves. Values of December WTI futures have dropped consistently, falling $10 per barrel from early month highs. For the time being, it appears that regular builds in supply and subsiding geopolitical uncertainty has brought calm to global oil. Let’s dig into the coming inventories cycle and see if this week’s numbers are in line with recent trends.
What To Expect From This Week’s Crude Oil Inventories
Recent news out of Saudi Arabia regarding increasing production looks to be having a calming influence on the WTI market. It was not long ago that the leading investment banks were predicting $100 WTI crude. Now, traders are wondering if this market is headed back to $60.00 in the near-term.
Here is a quick look at industry expectations for the coming inventory cycle:
Event Previous Projected
API Crude Oil Stocks 9.88M NA
EIA Crude Oil Stocks 6.35M 3.67M
In mere days, more sanctions are to be levied against Iran. The U.S. goal of “zeroing” out Iranian oil sales and exports is progressing quicker than expected, with another deadline for sanctions set to go into effect November 4. All eyes will be on Saudi Arabian output and their commitment to make up for any shortfall created by the Iranian sanctions.
WTI Crude Oil
Today’s session for December WTI crude has featured a bearish test of the $65.00 level and subsequent rejection. At press time, values are off slightly and a daily Doji candlestick may set up by the closing bell.
Overview: The action has been significant in December WTI. Traded volumes are approaching 500,000 contracts for the day, a large figure about halfway through the session. Expect more volumes to hit the market this afternoon on the API report and tomorrow morning on the EIA number.


Inflation is hardly a problem limited to American consumers. Across the, world, central banks are struggling to get it under control—while risking recessions in the process.
In the U.K., inflation is the highest it’s been in four decades at 9.1%. It’s climbed to 8.6% across the EU, the highest rate ever recorded there, while other countries ranging from South Africa to Australia have hit new inflation records as well.
Those numbers, however, pale in comparison to what Turkey is currently experiencing. Inflation is now at 78.6%, according to a report released Monday by the Turkish Statistical Institute, the country’s government agency tasked with tracking national data.
That number represents the country’s highest level of inflation in approximately two decades, with price increases varying widely across consumer sectors. Healthcare inflation, for example, is 39.3%, while the recreation and culture sector is experiencing 50.5% inflation.
Rates are significantly higher in other essential sectors, like food, where prices have nearly doubled in the past year with an inflation rate of 93.9%. The sector with the highest rate of inflation is transportation, which reached 123.4% in June, according to the report.
The lira, Turkey’s national currency, has simultaneously tumbled in value throughout 2022. It’s currently worth about 20% less versus the U.S. dollar than on January 1.
Experts say that the country’s economic outlook is likely to get worse throughout this year. “Acute exchange rate and inflationary pressures are hitting consumer purchasing power and undermining confidence, which will continue to weaken private consumption,” wrote S&P Global Ratings in an economic outlook report for Q3 across Europe, the Middle East, and Asia released last week.
The root causes of Turkey’s inflation woes are similar to those impacting countries across the world, with Russia’s invasion of Ukraine and its resulting global energy and food crises playing an especially prominent role. “Recession in Russia and Ukraine, as well as the growth slowdown in the eurozone and the U.K. will weigh on exports, which has been Turkey’s important growth driver until recently,” added S&P Global.
Compounding the rise in inflation is an unconventional policy approach to combating it. Turkey’s central bank has vowed not to increase its baseline interest rate, which it has kept at 14% since December. The country’s president, Recep Tayyip Erdogan, has argued that lower rates will ultimately boost production and help with inflation.
“This government will not raise interest rates. We will continue cutting them,” he said last month after a cabinet meeting.
The country’s loose monetary policy factors into S&P Global’s economic forecast. “We don’t see any sign of a change in the monetary stance of Turkey’s central bank, and expect it will keep the key rate unchanged at 14% in the coming months, while using various macroprudential measures to curb credit growth and support the currency,” wrote analysts.
In January, Turkey increased its minimum wage 50.5% in an attempt to help workers cope with the increased cost of living. The country’s labor ministry is expected to increase the rate again this month.
Turkey’s policy stands in stark contrast to the monetary policy changes other central banks have taken in response to inflation. Last month, the Swiss National Bank increased its interest rate 50 basis points, its first rate hike since 2007. Meanwhile the European Central Bank (ECB) is expected to institute its first rate hike in 11 years this month. The Bank of England has increased its interest rate five times since December.
In the U.S., the Federal Reserve has taken similar action to tighten monetary policy, instituting its first rate hike in March, followed by a second in May, and a third in June. The last, a 75-basis-point increase, was its biggest since 1994. The bank is expected to continue to make interest rate increases throughout the year, even as signs of an economic downturn loom.
S&P Global’s report on Turkey was not solely negative in its outlook. “Ongoing strong recovery in international tourism remains a bright spot,” the report pointed out.
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Business / Real Estate / Amortization: The gradual repayment of a debt by means of systematic payments of principal and/or interest over a set period, so that at the end of the period there is a zero balance. The principal is thus directly reduced or amortized over the life of the loan. Some loans are not fully amortized, and require a balloon payment at the end of the term of the loan.
Business / Accounting / Effective-Interest Amortization: A method of systematically writing off a bond premium or discount that takes into consideration the time value of money and results in an equal rate of amortization for each period. MORE
Business / Finance / Negative Amortization: A loan repayment schedule in which the outstanding principal balance of the loan increases, rather than amortizing, because the scheduled monthly payments do not cover the full amount required to amor MORE


Embattled Hong Kong Express names new CEO from Africa-based airline
Airline plucks head of small-scale carrier backed by troubled Chinese conglomerate HNA Group
Budget carrier Hong Kong Express took its latest step to bolster its leadership amid a company shake-up by naming the head of a young Ghana-based airline backed by troubled Chinese conglomerate HNA Group to take the helm.
The CEO and co-chairman of small-scale Africa World Airlines, Michael Luo Cheng, overseeing a fleet of six planes, was appointed with immediate effect as chief executive officer, the company announced on Friday night.
Luo will be responsible for the airline’s overall direction and strategy, playing a key part in its investments and operational decisions.
The move came as the budget carrier serves a punishment meted out by Hong Kong’s aviation regulator for cancelling flights during a major Chinese public holiday last September.
Luo would monitor day-to-day business, which would be led by company president Li Dianchun, who was poached from Hong Kong Airlines. Zhong Guosong would remain executive chairman and overlap with Cheng in a number of duties.
In its statement on Friday, the company said the appointment would “enhance the quality of customer service and improve management efficiency”.
HNA Group, a major Chinese firm with interests in aviation, financial services, tourism and real estate, is under significant financial pressure amid a debt-fuelled buying binge of assets totalling US$40 billion.
In recent months, its bankers have moved to shore up their exposure to the Hainan province-headquartered company. This has caused it liquidity challenges.
HNA Group has interests in more than a dozen airlines in mainland China and Hong Kong, plus stakes in foreign carriers including Virgin Australia and Brazil’s Azul Airlines. The company has a major stake in Hong Kong Airlines, the city’s third-largest airline.
Meanwhile, Hong Kong Express has encountered its own high-profile problems.
Last November, the Civil Aviation Department banned Hong Kong Express from taking delivery of new aircraft for new routes or adding flights or destinations to its network until April 30 next year.
This punishment came for its sudden scrapping of 18 flights between Hong Kong and Seoul, Osaka and Nagoya from October 1 to 8 – ruining travel plans of some 2,000 passengers during the busy “Golden Week” National Day holiday period.
The episode led to the sacking of CEO Andrew Cowen and triggered an overhaul of the company’s management team.
Based at Hong Kong International Airport, Hong Kong Express has a fleet of 23 single-aisle aircraft. It flies to 26 destinations in Asia.
Africa World Airlines was founded in 2010 as a joint venture between Hainan Airlines and several partners. It flies a half-dozen routes in Ghana and western Africa.


10 Ways To Immediately Start Selling TOP QUALITY CRYPTO MINING
Crypto” – or “crypto currencies” – certainly are a type of computer software system which supplies transactional functionality to consumers through the Net. The most essential feature of the system is their decentralized nature – commonly provided by typically the blockchain database system.
Blockchain and “crypto currencies” have become major elements in order to the global zeitgeist recently; typically because of the “price” regarding Bitcoin skyrocketing. It has lead millions involving people to participate in the marketplace, numerous of the “Bitcoin exchanges” starting massive infrastructure tensions as the requirement soared.
The almost all important point out understand about “crypto” is usually that although it actually serves the purpose (cross-border deals through the Internet), it does not necessarily provide any other economical benefit. Quite simply, the “intrinsic value” is staunchly restricted to typically the ability to work together with people; NOT NECESSARILY inside the storing or disseminating of value (which is exactly what nearly all people see that as).
The virtually all important thing you need to realize is that “Bitcoin” etc are payment sites – NOT “currencies”. This will end up being covered deeper throughout a second; the most important thing to realize is usually that “getting rich” with BTC will be not a case of giving individuals any better economic position – it’s basically the technique of staying able to purchase the “coins” intended for a low cost promote them increased.
To this end, whenever looking at “crypto”, you need in order to first understand how this actually works, and even where its “value” really lies…
Decentralized Payment Networks…
As stated, the key point to not forget about “Crypto” is that it’s predominantly a decentralized repayment network. Think Visa/Mastercard minus the central running system.
This is definitely important because it highlights the real reason why people have really began looking at the “Bitcoin” task more deeply; it gives you the capacity to send/receive funds from anyone around the world, so long while they have your Bitcoin wallet handle.
top cryptocurrency casino why this attributes the “price” for the different “coins” is because of the particular misconception that “Bitcoin” will somehow supply you with the ability to create money due to becoming a “crypto” asset. It doesn’t.
The particular ONLY way that individuals have been making money with Bitcoin has been as a result of “rise” in its price – purchasing the “coins” for a low price, and selling them for any MUCH larger one. Whilst it worked out well for many men and women, it was really based off the “greater fool theory” – essentially stating that when you control to “sell” the coins, it’s in order to a “greater fool” than you.
This specific means that if you are looking to get involved with typically the “crypto” space right now, you’re basically looking at buying any regarding the “coins” (even “alt” coins) which in turn are cheap (or inexpensive), and riding their price goes up until you sell them off later on. Because zero of the “coins” are backed by simply real-world assets, right now there is no way to estimate when/if/how this will function.
Intended for all intents-and-purposes, “Bitcoin” is a spent force.
The legendary rally of Dec 2017 indicated mass adoption, and although its price will likely continue to increase into the $20, 000+ range, getting one of the particular coins today will certainly basically be the huge gamble of which this will arise.
The smart money is looking from the majority involving “alt” coins (Ethereum/Ripple etc) which have got a relatively small price, but are usually continually growing throughout price and usage. The key issue to look in in the modern “crypto” space is definitely the manner in which the various “platform” methods are actually being used.


PARIS • STMicroelectronics yesterday delivered an upbeat assessment on second-half demand for its smartphone-focused products, brushing off investor anxiety over the soft take-off of Apple's iPhone X.
The chipmaker said sales should grow in the first half, offsetting a seasonal smartphone dip in the first three months of the year. Its forecasts come as concerns about a potential stagnation of smartphone demand intensified after South Korean chipmaker SK Hynix warned on Tuesday of slower growth in smartphone chip sales.
Analysts say Apple represents about 10 per cent of STMicro's revenues. The group is said to make imaging and proximity sensor products used in the iPhone X. It declines to identify its customer.
Chief executive Carlo Bozotti said in a statement yesterday: "For the second half of the year, we see healthy demand, with a strong backlog across all our product groups, end markets, including smartphones."
First-quarter results were in line with market expectations.
The group's quarterly net revenues rose 22 per cent to US$2.23 billion (S$2.96 billion) from a year ago, but fell from the last quarter of 2017 due to a seasonal smartphone dip. Gross margin rose to 39.9 per cent from 37.7 per cent. Second-quarter revenues are expected to rise by about 1.5 per cent from the previous quarter. The mid-point target for gross margin is 40 per cent for the second quarter.


What Is Tax Crime?
False statements and tax returns, seeking refunds that you are not entitled to, failing to file the proper returns are just a few of the cases that could be prosecuted by the IRS or Franchise Tax Board as tax crimes.
Don has successfully defended these cases. His experience in the accounting and securities field make him well qualified to be your lawyer in such cases.
If you are charged or accused of Tax Crime,
please call or email Don at (310) 284-2040 or email@example.com.